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

I am writing to file a formal complaint against Equifax, XXXX, and XXXX, the consumer reporting agencies, for multiple violations of the Fair Credit Reporting Act ( FCRA ) and related regulations. These violations pertain to unauthorized sharing of my private information, lack of consent, failure to inform me of my rights, inaccurate reporting, and inadequate maintenance of reasonable procedures. 

As per FCRA Section XXXX ( a ), consumer reporting agencies have the duty to handle consumer information with fairness, impartiality, and respect for privacy. However, Equifax, XXXX, and XXXX have failed to fulfill these obligations by sharing my nonpublic personal information without my explicit consent, as mandated by XXXX XXXX XXXX. 

Moreover, under FCRA Section XXXX ( a ) ( XXXX ), consumer reporting agencies are only permitted to furnish consumer reports in accordance with written instructions from the consumer. However, the financial institutions - XXXX XXXX XXXX BANK, XXXX XXXX, and XXXX XXXX BANK - along with Equifax, XXXX, and XXXX, have neither obtained my consent nor adhered to this requirement. 

Furthermore, FCRA Section XXXX ( b ) ( c ) stipulates that financial institutions must inform consumers of their right to exercise nondisclosure options regarding the sharing of nonpublic personal information. However, the aforementioned financial institutions failed to provide me with an explanation of this right, thus denying me the opportunity to protect my privacy. 

Additionally, FCRA Section XXXX ( a ) ( XXXX ) prohibits consumer reporting agencies from including adverse items in consumer reports without authorization. Yet, the inquiries from XXXX XXXX XXXX BANK, XXXX XXXX XXXX, XXXX XXXX TX, XXXX on XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX NM, XXXX on XX/XX/XXXX and FIRST XXXX BANK, XXXX XXXX XXXX Texas XXXX, XXXX TX, XXXX on XX/XX/XXXX, are adverse items reported without my consent, constituting a violation of the law. I demand the immediate removal of these unauthorized accounts and inquiries from my credit report. 

Moreover, Equifax, XXXX, and XXXX have reported inaccurate, non-mailable, and non-receivable addresses, such as XXXX XXXX XXXX XXXX XXXX XXXX NM, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NM, XXXX. I demand the removal of all variations of these addresses from my credit report. 

Furthermore, the XXXX XXXX XXXX account ( XXXX for XXXX, XXXX for XXXX, and XXXX for Equifax ) XXXX opened on XX/XX/XXXX, is inaccurate and violates XXXX XXXX Code XXXX ( b ). Equifax, XXXX, and XXXX are also failing to maintain reasonable procedures, as mandated by FCRA XXXX XXXX, resulting in inaccurate reporting. 

I demand the immediate removal of these inaccurate accounts and any variations from my credit report. Additionally, under XXXX XXXX XXXX, I am exercising my right to opt out of the inaccurate reporting services currently furnishing my credit report. 

Thank you for your attention to this matter. I anticipate a prompt investigation and resolution of this complaint
Product: Credit card or prepaid card

i Made a Payment Today {$40.00} at The M & T Bank Located XXXX XXXX XXXX, XXXX  XXXX, NY XXXX for some reason the payment did not post to my Credit Card account and i am very Upset about this and my Payment is Due XX/XX/2021. 
and for some reason customer care cant see the payment on my credit card account ending XXXX
Product: Credit card or prepaid card

I have a credit card from Victoria Secret through Comenity Bank. I was charged a late on XX/XX/XXXX in the amount {$50.00} due to the payment being passed XXXX EST. However when I look at the terms and conditions provided by the bank for late fees and penalties their paperwork does not specify payment is due EST and their terms specify the late fee amount is {$25.00} or {$40.00}, not {$50.00}. 
I have contacted the bank on XX/XX/XXXX about this issue and was told my payment was late thus the fee of {$50.00}. When I said I made my payment before the cut off time in XXXX and have the email for it I was told the time only applies towards EST. I advised their paperwork through the online bank does not specify time zone and the fee amount was over charged I was given silence and told it is what it is and to be sure to make payments on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

All hard inquiries and all soft inquiries reported on this credit profile are unrecognizable and unauthorized. No consent was given to XXXX, XXXX, or XXXX to report any inquiries displaying on this credit profile. Due to these reports that weren't given to lawful consent, the credit scores were effected tremendously with each credit bureau causing major downfalls to the consumer. All consumer laws were broken to withhold the consumer from operating in legal and lawful commerce within the past 5 years.
Product: Student loan

I have two student loans with fedloan servicing. 

One loan is a direct unsubsidized of XXXX, XXXX  and the other loan is a direct subsidized of XXXX, XXXX On Monday XX/XX/2019 I called to pay off my direct subsidized loan of XXXX, XXXX. I spoke to XXXX ID # XXXX. My confirmation number for my payment is XXXX. I made it clear to XXXX I wanted to pay off my direct subsidized loan of XXXX, XXXX. He said he understood. He told me it would take 2-3 business days to process. 

On Wednesday XX/XX/2019 I checked my online fedloan servicing account and the account said I owed XXXX, XXXX on my unsubsidized loan and XXXX, XXXX on my subsidized loan. This is not what I wanted. I wanted to pay off my subsidized loan of XXXX, XXXX  and just have one student loan ; my unsubsidized loan of XXXX, XXXX I called fedloan servicing one again On On Wednesday XX/XX/2019 I spoke with XXXX ID # XXXX. I informed her of my payment on Monday and informed her I wanted to pay off my subsidized loan. She said she would reapply the payment. She informed me this would take 2-3 business days to process. 

On Friday XX/XX/2019 I checked my fedloan servicing online account and it said I owed XXXX, XXXX on my unsubsidized loan and XXXX, XXXX  on my subsidized loan. I call fedloan servicing on Friday XX/XX/2019 I spoke with XXXX ID # XXXX. I informed her this was my third time calling. She said she would take care of the issue. I specifically informed her I wanted to pay off my loan of XXXX, XXXX which was my subsidized loan. I informed her I only wanted one loan of XXXX, XXXX which is my unsubsidized loan. She said she would take care of the issue. She informed me if would take 2-3 business days to process. 

On Tuesday XX/XX/2019 I checked my fedloan severing online account and it said I owed XXXX, XXXX on my unsubsidized loan and XXXX, XXXX on my subsidized loan. I call fedloan servicing on Tuesday XX/XX/2019 I spoke with XXXX ID # XXXX. This is the 4th time I call and waste my time. I informed XXXX the issue. He now informed me it would take 15 days to resolve the issue. 

I am not sure what fedloan servicing is trying to do with my loans. I have called 4 times and the problem is not yet resolved. 

It is easy On XX/XX/2019 I wanted to pay off my direct subsidized loan of XXXX, XXXX  This did not happen. 

I will never ever go back to college and get a student loan again. 

BEWARE OF FEDLOAN SERVICING
Product: Credit reporting or other personal consumer reports

I have a few fraudulent accounts appearing 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
Product: Debt collection

I got sent a judgement that I was going to get garnish for my wages in XX/XX/2019 from the District Court of XXXX County, Arkansas. I have never gotten serve papers for this judgement against me. I was told I had 30 days to response back but I didn't get my 30 days. I receive the letter on XX/XX/2019 and I got garnish on XX/XX/XXXX. I also response back and they never answer my letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account with Preferred Credit was settled for less than full amount recenty for around {$110.00}. The company made a settlement offer to consider the account paid and closed. The payment was sent on XX/XX/2020 and cleared my bank. As of XX/XX/2020, the company reported the remaining balance is still due and failed to update all 3 bureaus. Requesting immediate update to all bureaus and account closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a unauthorized use of ID information I am in the process of filing another Police report. My bank account and credit profile have been comprised.The information is not information relating to any transaction by myself, I am attaching a copy of my ID and SS to confirm My Identity to the credit bureaus. It was an unauthorized XXXX bank account. I have never done business with any of these companies I don't know who they are : XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX   XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX I am requesting a FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency
Product: Credit reporting, credit repair services, or other personal consumer reports

After installing the XXXX  XXXX app my credit reporting was unlocked. The only way to relive it was to subscribe to their service. I tried calling and their IVR hung up after playing a long message. I sent an email and am waiting for a response. This seems like bait and switch or fraud.
Product: Credit card

2 accounts with XXXX XXXX XXXX was charged off 1 in XXXX and 1 in XXXX i was garnished XXXX XXXX of my pay check in which i paid {$1100.00} i waited after i paid for it to be removed from my credit reports it hasnt as of today XXXX XXXX  sent to XXXX  and XXXX  i called them today they said it was paid in full they told me to contact lvnv i did lvnv said i owe additional {$1000.00} i then called credit one they said in XXXX charge off was {$85.00} and XXXX the charge off was {$370.00} Lvnv steals customers money XXXX XXXX XXXX  also does the same thing how a {$85.00} balance turn into a {$1100.00} and then a {$370.00} balance turn into a {$1000.00} i want lvnv funding llc to be removed from my credit reports all three i didnt sign a contract with lvnv it was XXXX  XXXX this called me a lot of hardship
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and update in my credit file. : XXXX XXXX XXXX : {$21000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$19000.00} ; XXXX XXXX Balance : {$410.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX, CA XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

My account with ( 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 ( MONTHS REPORTING LATE ) 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 ) 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

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX California [ XXXX ] XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Formal Complaint and Cease and Desist Order Against XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint and issue a cease-and-desist order against XXXX for multiple violations of federal laws and regulations, as well as against XXXX, XXXX, and XXXX for their roles in reporting inaccurate and unauthorized information. 

The crux of the inaccuracy in Nordstroms reporting lies in their knowledge that the debt in question was discharged. Despite this knowledge, XXXX continued to furnish information related to my account to XXXX, XXXX, and XXXX, which is a clear violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ). 

Furthermore, XXXX unlawfully attempted to collect on a discharged debt, which is considered a certificate of indebtedness by the Internal Revenue Service ( IRS ). According to IRS regulations, such discharged debt can not be reported as income. XXXX has failed to provide me with a 1099-C for the cancelled debt as required by law. This failure to comply with IRS reporting requirements and the misreporting of my account as a debt rather than a certificate of indebtedness are clear violations of federal statutes. 

In addition to these violations, XXXX has breached its own terms and conditions by sharing my information with non-affiliates, XXXX XXXX XXXX XXXX, without my explicit consent. This action disregards my right to privacy as a federally protected consumer under the Privacy Act of 1974. 

Moreover, XXXX failed to inform me of my right to exercise my nondisclosure option, as mandated by 15 U.S. Code 6802 ( b ) ( c ). This failure, coupled with the unauthorized inclusion of adverse information in my consumer report by XXXX, XXXX, and XXXX, further demonstrates the systemic disregard for consumer rights and legal obligations. 

I hereby demand that XXXX immediately delete the account related to me from their records and cease all further reporting to XXXX, XXXX, and XXXX. This cease-and-desist order is issued in accordance with federal laws and regulations governing consumer rights and privacy. 

I also request a thorough investigation into the actions of XXXX, XXXX, XXXX, and XXXX regarding their handling of my account information and the inaccurate reporting of my financial status. This letter serves as my final attempt to resolve this matter amicably before pursuing further legal action, including filing complaints with the Securities and Exchange Commission. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 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 # XXXX ; XXXX ; XXXX, and I'm including it again : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i have filed disputes with Bank of America and all 3 bureaus for this account, i asked for them to conduct a full investigation for accuracy and they come back verified, how have they verified this account if there is not even a comment saying that the account is in dispute? they didnt and this is a clear violation of my rights, this report is inconsistent between all 3 bureaus ... different high credit, diffrent 2 year history, different credit limits and te account has been re aged, i have attached a snip of my 3 bureau report for proof as well as a few dispute letters that were sent out months ago
Product: Debt collection

On XX/XX/2019, voicemails were left for myself and a reference that were against the FDCPA. The voicemail left for myself was harassing by stating how long theyve tried to contact me, threatening by stating that hes called my refenences and extremely unprofessional by the tone of his voice. The voicemail to my references stated that he has been trying to contact me all month long, as well as stating directly where he was calling from. There was a phone to my other reference on this day as well and he spoke to her tell her his name, where he was from ( without being asked ), stated that hes tried to call me all month long and left a message with her to call me back. He left his name, number, and extension with the reference. 

For the voicemails left I have copies of both the voicemail left for myself and the voicemail left for my reference. However, they will not attach as they are not paper files. 

I contacted XXXX XXXX directly at XXXX XXXX and tried to explain that he violated FDCPA, he basically told me he didnt care and that I was past due {$250.00} and that my account needed taken care of. I asked to speak to a manager and was connected with a woman, who I told the violations to and explained how rude and unprofessional XXXX was. She apologized, but you could hear in her voice that she truly didnt care and was walking through the motions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th 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 account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX Dealer in XXXX, MA XXXX as a Co-Signer/Applicant and filled/signed only one credit application form from XXXX XXXX XXXX XXXX allowing they to check my credit report/score and see if I can help a family/friends to start their own credit leasing a new XXXX XXXXXXXX XXXX. But today I was checking my credit report and realized they did many Hard Inquires! Details : XXXX : 1 time using the dealer 's name on XX/XX/XXXX and 1 time again on XX/XX/XXXX using the dealer 's name and then 1 time using the TMCC " Toyota Motor Credit Corporation '' on XX/XX/XXXX. plus XXXX  : They checked 2 times using a different dealer name called " XXXX XXXX XXXX '' .on XX/XX/XXXX and then again on XX/XX/XXXX. I don't know yet about the XXXX  if they checked there too. So, Is this right? Can they keep checking my credit as many time they want? I don't think so. Could you help me please? Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a complaint on TransUnion in reference to inaccuracies on my account. This is the response they sent back " This complaint lists someone the company does not recognize as their customer or their customers authorized representative. 
We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. 

Companies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 I called Transunion to give my authorization they informed me that they received no complaint from the CFPB. I sent my initial dispute on XXXX/XXXX/202. When I asked about it today they said they didn't receive one in XXXX only one in XXXX the XXXX I sent in XXXX was me asking them why haven't they responded on the one I sent on XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights.

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 with antedates the report by more than seven years.

15 U.S.C 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate