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

I am writing to express my serious concerns about the handling of my personal financial information, particularly regarding XXXX accounts and unauthorized inquiries. As a federally protected consumer, I believe that my privacy rights have been violated, and I'm requesting immediate corrective action. 

I want to make it clear that I have not given permission for my personal financial information to be shared or reported, especially concerning any XXXX accounts. If any consent was given in the past, I am now formally revoking it. I believe that your company has failed to inform me of my right to keep my information private, which is a violation of my consumer rights. 

I've found several inaccuracies in my credit report, including mismatched dates and incorrect amounts on various accounts. This suggests that proper procedures are not being followed to ensure the accuracy of the information being reported about me. 

I'm particularly concerned about the following issues : 1. XXXX accounts are being reported without my consent. 
2. Unauthorized inquiries appear on my credit report.

3. My transaction history is being shared without my authorization. 

In this context, I'd like to highlight the case of Trans Union LLC v. Federal Trade Commission ( 295 F.3d 42, 2002 ). In this case, the U.S. Court of Appeals for the D.C. Circuit upheld the Federal Trade Commission 's interpretation of the Fair Credit Reporting Act ( FCRA ), emphasizing that credit reporting agencies have strict limitations on how they can use and share consumer information. This ruling reinforces the importance of consumer privacy in credit reporting and supports my position that my personal financial information should not be shared or used without my explicit consent. 

Based on these issues, I am formally requesting that the following actions be taken within 30 days : 1. Block and remove all XXXX accounts from my credit report. 
2. Delete all unauthorized inquiries, particularly those over 30 days old and not related to accounts I currently hold.

3. Correct all inaccuracies in my report, especially regarding account balances, dates, and payment histories.

4. Cease sharing any of my personal financial information without my explicit written consent.

5. Provide me with a free copy of my credit report showing these corrections. 

I want to emphasize that this request is not made in error, nor is it based on any misrepresentation. I am exercising my rights as a consumer to protect my privacy and ensure the accuracy of information being reported about me. 

I expect these issues to be addressed promptly and in accordance with all relevant consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried fixing this problem since XX/XX/2020 the EQUIFAX did not do their job send them many requests and waited months.I had letter from " XXXX XXXX '' showing there are not reporting late payments for XXXX XXXXXXXXi am attaching letter as a proof from " XXXX XXXX '' I hope they fix this Chaos ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX Delaware has fraudulently re-aged their credit card account ( XXXX ) on my Equifax credit report and is incorrectly reporting a charged-off credit card account with a charge-off date that is 2 years newer than was previously reported. This is not accurate and XXXX XXXX XXXX is negatively affecting my ability to obtain housing, employment and credit. This fraudulent and harassing negative reporting by XXXX XXXX XXXX has damaged me financially and professionally and will result in a lawsuit or arbitration. This CFPB complaint will serve as a future record of the damages that XXXX XXXX XXXX has caused me to endure. The credit card account XXXX originally showed that it was charged off in XXXX of XXXX but it has been changed today to falsely show that the charge-off occurred in XXXX of XXXX which is not true. This caused my credit score to drop XXXX points and reduced me from XXXX XXXX to XXXX XXXX which has immediately caused me hardships.
Product: Payday loan, title loan, or personal loan

There is no transparency : -No monthly statements, no payment history. 
-Attempts at online payments generate a pop up window that declares " online payments not available at this time ''. 
-My starting balance was {$3500.00} in XX/XX/XXXX, my current balance is {$3800.00} as of XX/XX/XXXX despite having made six on time payments of {$180.00} for a three month total of {$1100.00}. Even at an APR of 129.776 % the balance should not be growing. 
-Agents can not answer questions about why a balance is going up rather than down. 
-Emails are not replied to. I sent several emails regarding a payment issue, the last on XXXX XXXX and as of XXXX XXXX have yet to receive a reply.
Product: Debt collection

I received online notification from all three credit bureaus on that IC SYSTEM Collections placed a Collection account on my credit report in the totals of {$1500.00}. I do not have an account or agreement with IC SYSTEM Collections. IC SYSTEM Collections violated the FACTA section 623 ( A ) ( 7 ). They did not properly notify me by mail before placing a negative item on my credit report., and allow me to dispute the validity of this debt. This debt can not be validated, I do not owe this debt. I dispute the validity of this debt and it should be deleted from all three credit bureaus.
Product: Credit card

XX/XX/year> American Express has once again decreased my credit limit without any rhyme or reason which is in reprehensible and a grave unjust to my consumer rights. I have never had a missed payment, late payment and pay my balance off in full every month so the 2nd adverse action is a cause for litigation and relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union, and XXXX preventing me for getting anything approved they saying my social is not who I am I've sent my license and social security card certified mail so I know they have but don't want to remove statement
Product: Vehicle loan or lease

I have spoken with Nissan motor acceptance back in XXXX on the improper use of my credit report. I have asked that they follow the law and remove all transactions associated with my account as I do not give them permission any such transactions.
Product: Checking or savings account

Hello I have or had a checking account with Wells Fargo and since its not my primary bank and have no active deposits they took it upon them selves to close out my account.
Product: Student loan

During a refinance process, I received confusing communication regarding my loan balance and as a result of this miscommunication, my account was reported as late and adversely affected my credit score unfairly. I now have to spend a ton of time disputing my credit with the bureaus as a result of their faulty operations. This has been a total nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX has a debt placed on my credit reports in the amount of XXXX. This debt was disputed quite some time ago and was removed by a different collection agency. 
I sent XXXX XXXX a certified debt validation letter and they have yet to respond to my request or send me anything they have to show that this debt belongs to me. This company is using illegal tactics and placing debts back on consumer reports that were removed due to fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I explored the option to pre-quality which has no impact on ones credit report but despite that I got hard inquiries on my XXXX and Equifax reports from XXXX XXXX. They said, it was a mistake and after that they didnt help in any way and didnt attend my calls next day either.
Product: Credit card or prepaid card

THE BANK OF AMERICA SENT ME A BALANCE TRANSFER OFFER FOR INTEREST FREE AFTER A % FOR TRANSFER. THEN WOULD GO TO XXXX. THEY NOW ARE SAYING THAT THEY ARE CHARGING ME XXXX WHEN OFFER RUNS OUT ON XXXX/XXXX/2018 THEIR REASON THEY SAY IS BECAUSE IT WAS ROUTED TO MY ACCOUNT. THE ACCOUNT HAD A OVER DRAFT BALANCE OF AROUND 46,000.00 BALANCE .SO OTHER WORDS IF THEY SENT A CHECK LIKE THEY HAVE DONE PRIOR IT WOULD HAVE STAYED AT XXXX. BUT BECAUSE THEY USED A ROUTING NUMBER TO SEND THE MONEY IT DOES NOT. SURLY I WOULD NOT HAVE DONE IT IF THEY HAD TOLD ME THAT .I WOULD OF JUST HAD THEM SEND THE CHECK.
Product: Credit reporting, credit repair services, or other personal consumer reports

Charges on my XXXX XXXX credit card were disputed due to unauthorized charges. These charges were determined unauthorized by XXXX XXXX and I an not responsible for the charges. I have disputed this with Experian on many occasions and instead of fixing the problem they retaliated by dropped my credit score by 70 points for no reason and refuse to remove the unauthorized charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted the credit bureaus on XXXX, XX/XX/2020 and XX/XX/2020 about removing a chapter XXXX bankruptcy off my credit report. They provided me with false information saying that they verified the bankruptcy with the court. Which was proven to be a lie, which goes against the credit fair act. Ive contacted the bankruptcy court to ask about this. They sent me a letter stating that they DO NOT verify, or send any information to credit bureaus. So ive been trying to have this bankruptcy removed from my credit report for quite sometime now. It is really holding me back from what im trying to accomplish. So im really hoping filing a complaint will help me. I have the letter from bankruptcy court stating they dont provide information, or verify with the credit bureaus. That i will attach. Thank you
Product: Mortgage

Escrow Deposit for a cancelled contract by ALL PARTIES and provided to Title Company was never returned. I have repeated called XXXX XXXX @ XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute a negative mark on my credit report that was caused by an unpaid emergency hospital visit. On XX/XX/2018, I was riding my XXXX on NJ XXXX in XXXX XXXX, NJ when I hit a pothole that was negligently maintained by the state of NJ. As a result, I was thrown from my XXXX and sustained serious injuries that required immediate medical attention. 

I was knocked out conscious and taken to XXXX XXXX XXXX XXXX where I received emergency medical treatment for my injuries. I want to inform you that I was fully insured at the time of the accident and my insurance company handled the claim. Despite my efforts to pay the medical bill, I was unable to do so due to the financial hardship caused by my injuries and the associated lost wages. 

I believe that the state of NJ is liable for my injuries, as they were caused by a pothole on a state road that was not properly maintained. I have already contacted the state of NJ to request reimbursement for my medical expenses, and I am currently awaiting their response. 

I am requesting that you remove the negative mark on my credit report, as it was caused by an unpaid medical bill that was not my fault and was handled by my insurance company. I would also like to request that you freeze the credit reporting of this debt while I am awaiting the response from the state of NJ. 

Please be informed that if this negative mark is not removed from my credit report, I will consider it as a violation of the Fair Credit Reporting Act ( FCRA ) and will take legal action accordingly. Also, if you fail to investigate my dispute and fail to correct any errors in a timely manner, it could also be considered a violation of the FCRA and may result in penalties and fines. 

Please let me know if any further information is needed from me. I can provide the medical report and the evidence of my claim against the state of NJ, as well as the proof of insurance. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

First collection services told XXXX that my debt isn't paid and it is. They were supposed to take it off my credit report when paid and they are not
Product: Mortgage

On XX/XX/2021, I paid my mortgage payment through the mortgage company 's, Mr. Cooper ( formally Nationstar ), website. The full regular payment amount on - {$1200.00} was withdrawn from my bank account on XX/XX/2021. 

On XX/XX/2021, a payment of + {$1200.00} from Mr. Cooper ( Nationstar ) was credited back to my bank account. A third transaction occurred the same day of XX/XX/2021 deducting - {$1200.00} from my bank account. The activity on XX/XX/XXXX was NOT authorized by me, nor was it disclosed by Mr. Cooper. 

I have not suffered a financial loss. To my knowledge, my credit score and on-time payment history has not been affected, but this is highly suspicious activity. This can not be a computer error. I highly doubt it was a human error. Mortgage companies do not conduct business this way. I wanted to file this complaint to document Mr. Cooper 's irregular business practices.
Product: Credit reporting or other personal consumer reports

XXXX has failed to properly investigate my reports there are accounts that were never mine reporting and information I am not legally responsible for all they say is info was validated no other information nothing with my signature
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked up my credit report on Transunion and found a hard inquiry done on my credit calles XXXX XXXX XXXX XXXX, I never heard of this company or even applied for credit with them or if this is even a real company.
Product: Debt collection

I have a collection on my credit reports from a collection agency called XXXX XXXX XXXX. I have no knowledge of this debt. The company lists XXXX XXXX as the original creditor. I have never had Services with XXXX.
Product: Credit reporting or other personal consumer reports

looked at my credit report there are a lot of names and locations not associate with me
Product: Credit reporting or other personal consumer reports

Experian ones again violated my rights by not providing documentation to support the negative information in my consumer report. Those negative transactions are affecting my credit and are affecting the well-being of my family. The dispute was sent on XX/XX/XXXX and the result only took 20 days.It is impossible to do a serious investigation in so few days.. Below copy of the result of the investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items on my credit report. 

XXXX : Bankruptcy : Discharged XXXX Case Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED  XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account Number # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX   XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX  XXXX XXXX XXXX, SD XXXX BYMAILONLY XXXX XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Acciunt # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, NE XXXX BYMAILONLY XXXX   Account # XXXX Contact Information XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, MO XXXX BYMAILONLY XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, MO XXXX BYMAILONLY
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt.
Product: Credit reporting or other personal consumer reports

My consumer report contains accounts linked to identity theft, which I never authorized with a written signature. Following my recent communication, I formally request immediate blocking and removal of these accounts from my report. Their presence has caused significant distress and misrepresents my credit history. If not addressed properly, I'm prepared for legal action. These fraudulent entries have impeded important financial goals, including home purchase and family needs.
Product: Debt collection

I am filing this complaint regarding an unauthorized debt collection action initiated by I.Q. Data International Inc. and the failure to return my security deposit by XXXX XXXX XXXX XXXX, the property management company. 

Move-Out and Lease Fulfillment : I was a tenant at Heritage at XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA. I vacated the property on XX/XX/year>, in full compliance with the lease terms, and returned the apartment keys to the management on the same date. This marked the end of my lease obligations, and no charges should have applied beyond this date. 

Debt Collection Notice : Despite fulfilling my lease requirements, I received a debt collection notice from I.Q. Data International IncXXXX requesting payment for XXXX rent. This debt is erroneous, as I had vacated the apartment on XX/XX/XXXX. This charge has been confirmed as incorrect by XXXX XXXX XXXX, the property XXXX at XXXX at XXXX XXXX. 

Property Managers Acknowledgment of Error : The property manager, XXXX XXXX, verbally acknowledged that the debt collection was a mistake and that I do not owe any rent for XXXX. However, despite my requests, he has not provided written confirmation to rescind this debt, nor has he stopped the collection action. 

Failure to Return Security Deposit : Furthermore, XXXX at XXXX XXXX has not returned my security deposit, which is overdue. I have requested an itemized statement or explanation for any deductions from the deposit, but I have received no response. 

Lack of Transparency and Notification : At no point prior to the collection notice did XXXX at XXXX XXXX inform me of any outstanding balance or provide documentation justifying this charge. The collection action was initiated without any prior notification, causing unnecessary stress and potential harm to my credit.
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : XXXX Account # : XXXX Date Opened : XX/XX/year> Balance : {$7400.00} Payment Status : Repossession