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

am writing to formally dispute the unauthorized sale and inaccurate reporting of the XXXX XXXX XXXXXXXX XXXX account ( # XXXX ) on my credit reports with XXXX and Equifax . The account was sold to collections without my consent, constituting a breach of privacy. Additionally, the reporting on this account is inconsistent and incorrect. I demand the immediate removal of this account from all credit reporting agencies, compensation for the damages caused, and a detailed investigation into these issues. 

Issues Identified 1. Unauthorized Sale of Account : The XXXX XXXXXXXX XXXX XXXX  account was sold to collections without my knowledge or consent, violating my privacy rights and the Fair Credit Reporting Act ( FCRA ). 
2. Inaccurate Reporting : High Credit : XXXX : {$0.00} Equifax : {$440.00} Credit Limit : XXXX : {$300.00} Equifax : {$0.00} Last Reported Date : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Date Last Active : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Date of Last Payment : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX These inconsistencies in reporting are unacceptable and contribute to the inaccurate portrayal of my credit profile. 

Violations and Impact The discrepancies in the reported information, along with the unauthorized sale of the account to collections without my consent, are clear violations of the FCRA and my privacy rights. These actions have caused undue stress, potential damage to my creditworthiness, and an invasion of my privacy.

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting violate this requirement.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.

6. Right to Privacy : The unauthorized sale of my account without my consent constitutes a breach of my privacy rights, which includes the protection of sensitive information from unauthorized disclosure.
Product: Debt collection

The collection had been open from XX/XX/year> to XX/XX/year> and didn't know about until it was reported to my credit report. I called the initial creditor and they stated that I did not owe them anything. I was provided a ledger showing that I paid them. The collection agency is IQ Data International.
Product: Credit reporting

I recently switched my cell carrier to XXXX. I was told I would have to pay for the phone up front and use autopay because they could not get my credit score from Equifax. I requested and received a copy of my credit report from Equifax which clearly shows a hard inquiry from XXXX. I have written them twice but only received a copy of my credit report ( which I clearly stated I already had ) plus generic form letters which did not address my issue.
Product: Student loan

I have made numerous attempts to explain to Navient that I can not afford to make any payments at this time due to my ongoing financial hardship due to being unemployed and unable to secure employment at this time. I am unable to pay my basic living expenses so I am not sure where I am supposed to find the financial means to pay them during such a difficult time. My current federal loans are in a pause due to this financial hardship. I was told by a Navient employee in XXXX that just because I am unemployed doesn't entitle me to not pay my loans or have other options for payment during this time. I was told there was no other option for me at this time but to pay an estimated $ XXXX a month, which I do not have and told her to please put this in the notes that I do not have the ability to pay them at this time. Navient has continued to call my phone and send me emails relentlessly seeking payment. It has cause an increase in my XXXX  and XXXX on a daily basis considering they will not stop calling me and I can not afford to pay them still. They have left me numerous voicemails as well. I recently received a letter from Navient on XX/XX/23 stating that I am now in a XXXX XXXX pending the company taking me to court to sue me. Again, another form of harrassment to threaten for me to pay them with money I do not have only leading to further depressive symptoms. They have also reported it to the credit bureau and ruined my credit score making things increasingly more challenging for me. They are greatly impacting my mental health at this time by not working with me and my current financial situation. I am unsure what else to do since speaking with them doesn't solve the problem and only exacerbates my hardship even more.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 Accounts : XXXX XXXX XXXXAccount number XXXX XXXX XXXX-Account number XXXX XXXX XXXX.-Account number XXXX XXXX XXXX XXXX-Account number XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX Inquiry date XXXX XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes ( XX/XX/2019 ), Equifax has failed to respond to my latest dispute. They have violated the FCRA, it has been more than 30-days. Please see the items below : XXXX XXXX XXXX {$1600.00} not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit profile for the first time in 6 years and seen many accounts that were not mine. I never applied nor seen any of these accounts. These accounts need to be removed. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. There are also some inquiries that I'm not aware oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX I have contacted the FTC and my local police.
Product: Credit reporting or other personal consumer reports

LVNV reporting on my credit report for incorrect amount.
Product: Credit card or prepaid card

Back in XXXX i rented a car. when i returned it XXXX took days to get it checked back in. well they ended up charging my credit card over {$2000.00}. I ended up disputing it and XXXX issued a refund. well when they issued me a new card they ended up creating a new a new account. well that original account still continues to report with an open balance of {$2000.00} over limit. its taking a huge impact on my score. i have sent messages, letters with proof, called them and nothing gets done. i just want it updated to XXXX. becuase it has not been updated its showing my utilization at over 400 % and and because of it the utilization the points that were taken when first reported have not been retured. the longer this goes on the less likely that my credit will repair it self when the reports are fixed per first progress
Product: Credit reporting

I purchased a a car from XXXX XXXX. in XXXX. I have had several problems with it the first 3 months. I went to the salesman in XXXX 2015 and told him I wanted to look into a different car he asked how much I still owed and I roughly told him. He tried to call the bank but no answer, so he ran a credit check again I did n't sign anything and now I have XXXX marks on my credit report from the same company. On top of all that he could n't get me into a different car. He should have done a soft inquiry not a hard one that will effect me for 2 years.
Product: Credit reporting or other personal consumer reports

Subject : **Immediate Removal of Fraudulent Accounts from Credit Report** I am writing to demand the immediate removal of all fraudulent accounts appearing on my credit report. Under both state and federal laws, these erroneous listings are unlawful and constitute a violation of my rights. I have provided IRS Form 1099-C and 1099-A documents, which confirm the IRS has recognized and discharged these debts, eliminating any basis for the debts to be reported.

Please note the following applicable legal standards : 1. **Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681** This law requires that credit reporting agencies maintain only accurate and verifiable information. Reporting a discharged debt, especially after official IRS confirmation, is considered a breach of the FCRA, and any failure to remove this erroneous data will constitute a willful violation of this statute. 

2. **Truth in Lending Act ( TILA ) 15 U.S.C. 1601** The TILA mandates that lenders provide clear evidence of debt obligation, which must include a signed promissory note or security instrument. There is no signed instrument demanding payment or security instrument by me, XXXX XXXX, to validate these debts. Therefore, there is no enforceable debt, and continued reporting of these accounts violates federal standards. 

3. **Uniform Commercial Code ( UCC ) 9-102 ( a ) ( 23 ) ** Under the UCC, a car is classified as a " consumer good '' when used for personal purposes. Lenders or third-party collectors can not claim the status of an unsecured consumer debt as a basis for collection activities or credit reporting without clear, enforceable documentation. 

4. **Prohibition Against " XXXX '' and Harassment** Any continuation of these misrepresentations could be construed as targeted harassment or " doxing. '' By sharing incorrect financial data, you are exposing me to unnecessary reputational damage, further violating my right to privacy and putting me at risk. This creates a cause of action under both state privacy laws and certain anti-harassment statutes. 

Since you can not present a signed demand or security instrument for these accounts, any further misrepresentation on my credit report is not only unlawful but actionable. Under federal law, you are required to correct all inaccuracies within 30 days of receiving notice. If you fail to comply, I will take all necessary legal steps, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and any applicable state authorities.

Furthermore, in accordance with 15 U.S.C. 1681n, I will pursue statutory damages, attorney 's fees, and punitive damages should any party attempt to persist in this illegal reporting. To avoid this, you must provide written confirmation within 30 days that the erroneous items have been removed from my credit report. 

Sincerely, XXXX XXXX
Product: Mortgage

I am writing to submit a formal complaint regarding the mismanagement and lack of communication surrounding my home equity line of credit ( HELOC ) tied to account number XXXX, initially opened by my late grandfather, XXXX XXXX XXXX XXXX. 

Key Points of Concern : XXXX ) Successor in Interest : a XXXX Bank of America has formally recognized me as a Successor in Interest, granting me the right to information and actions related to this loan. 

XXXX ) Payment Attempts : a ) On XX/XX/XXXX, I made XXXX significant attempts to clear all dues : i ) I visited a Bank of America branch to wire funds but was denied. 
ii ) I overnighted a personal check, which was returned because it wasn't certified funds. 
b ) On XX/XX/XXXX, I sent a cashiers check for {$4500.00}. Despite exceeding the due amount, the check was rejected and returned because it was not the " exact amount. '' I was never told the exact amount. 
c ) I did not receive a formal reinstatement amount until XX/XX/XXXX. 
d ) Full payment was sent via overnight mail on XX/XX/XXXX. 

XXXX ) Inadequate Communication : a ) I have not received any formal foreclosure notices as mandated by Florida laws. 
b ) Monthly invoices did not specify the need for " certified funds, '' nor was I informed of this requirement separately. 

XXXX ) Frivolous Fees : a ) A reinstatement calculation letter dated XX/XX/XXXX included {$2300.00} as foreclosure and attorney fees. 

XXXX ) Personal Hardships : a ) As previously mentioned, I am the sole caregiver to my XXXX son with learning disorders, among other personal challenges.
Product: Checking or savings account

On XX/XX/2019, I was scammed. I did receive a call stating that they were for a financial institution and they were offering financial rewards. They accessed my account and deposit fraudulent checks, and then made me pay more than XXXX $ back in order to get my rewards. USAA froze my husband 's account because I am an authorized signature making him failed in our home, car payments. USAA took from my husband XXXX from his account when this situation was due to scam. All my husband 's income goes in there. My husband has been contacting them several times since XX/XX/2019, and they do not want to unfreeze his account. Also, they failed to provide us the proof with all notes of the fraud analyst in why the made the decision to made me responsible for all scam charges. we have been contacted the bank several times and they are failing in provide case number and letter in how they based the decision. I am requesting that my husband 's account be unfrozen in order for to him make his payment of our children 's roof. If they don't do we will lose our children 's house.
Product: Credit reporting, credit repair services, or other personal consumer reports

please check the following accounts that appear in my report, without any authorization, are not mine Identity Theft BK OF AMER Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft BK OF AMER Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a recorded conversation of when I spoke with two of your, Transunion representatives today and those agents willfully violated my federally protected consumer rights. I requested information be blocked according to 15 usc 1681c-2 and the agent refused and said the address on my utility bill did not match, i assured your agent that the addresses were the same and he stated he had no access and transferred To a supervisor, XXXX. I also questioned who gave permissible purposes and the agent had no rebuttal. I asked for him to block several times he said he had to do an investigation and yet and still refused to block although its been past 4 days and I am XXXX XXXX! TRANSUNION IS MAKING MY LIFE XXXX! I have NO access to my XXXX credit because of XXXX identity theft and fraud I am XXXX!
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding several inaccurate collection entries that appear o my credit report. I have reason to believe that these collections may be in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 15, Code 1692. The collections listed on my credit report have negatively impacted my credit score and financial stability. 
The details of my complaint are as follows : Name of Creditor/Collection Agency : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Amount of Debt : [ {$740.00} ] I have reviewed my credit report and noticed discrepancies and/or inaccuracies regarding these collection accounts, which I believe may be in violation of FDCPA Section 1692. Specifically, I am concerned about incorrect amounts, failure to verify the debt, or improper reporting practices. These actions violate the requirements set out by the FDCPA, including the protection against unfair or deceptive debt collection practices.
Product: Credit reporting or other personal consumer reports

( Note : I filed earlier but didn't have the company legal names at the time. I'm hoping that by providing them now will make them easier to locate ) I have the XXXX XXXX XXXX Credit Card administered by XXXX  XXXX XXXX XXXX I have an autopay set up to make the minimum payment, but typically pay the balance in full within a couple of days of any charges and have never made a late payment. I am buying a house and applying for mortgages so am watching my credit score carefully. On XX/XX/2024 XXXX  reported to Experian that I was over 30 days late for {$41.00} in XX/XX/2024, dropping my Experian score from XXXX, by XXXX points down to XXXX in a single day. I called XXXX on XX/XX/2024 to get this corrected and they wouldn't help and referred me to XXXX. I worked with XXXX for a while and they sent me back to XXXX who wouldn't fix it and sent me back to XXXX. My statement for XX/XX/2024 clearly shows no late payments and in fact shows XXXX payments throughout XXXX all above the minimum payment. Its been over a month now and I'm really frustrated, I am also working with Experian to get the error fixed directly with them. I blame XXXX for contracting their credit card services to XXXX  as well as XXXX  for both reporting erroneous information to Experian and their lack of effort to correct their mistake.
Product: Checking or savings account

I have two issues : Issue one, my debit card will not add to my XXXX XXXX ( XXXX XXXX ). There has been an executive relations complaint open on this for a few months now. This is way past the timeframe that should be required to fix the issue. XXXX XXXX is working on this issue. 

Issue two executive complaints reference number : XXXX, I received a random service charge for {$25.00} on XX/XX/year>, I was under the understanding that I had a free product with no fee 's from PNC. I contacted PNC phone customer service and spoke with an agent and she advised that she could see on the bank employee side that my account had been being charged service fees and they were being refunded. I advised her that there were no such transactions on my side the customer facing side in my PNC App and I have also looked in the online banking app as of today XX/XX/year>. I have no visual information that reflects any service charges until the XX/XX/year> date. I have included all statements and a full print out to show this is not on the customer facing side. 

I'm a former personal and business client of BBVA and throughout the initial BBVA PNC Merger where PNC was the surviving entity our banking relationship was destroyed with all the problems that occurred. 

I had been solicited many times over the years to come back to PNC so I finally decided to give PNC a second chance. The relationship is turning out to not be a good one for a second time with the issues that are occurring.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The Items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
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 items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # Date : XX/XX/XXXX Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Hard Inquiries Violation of 15 U.S.C. 1681 To Whom It May Concern, I am writing to formally dispute several unauthorized hard inquiries that appear on my Experian credit report. I did not authorize these inquiries, and they therefore constitute a violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

After reviewing my credit report, I identified the following hard inquiries, which I believe were made without my consent : [ XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX  ( Bank ) XX/XX/XXXX XXXX FCU ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX Under 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report under specific circumstances that constitute a permissible purpose, such as with a legitimate business need, employment purposes, or with the consumers explicit authorization. Since I did not provide consent or initiate these inquiries, they are in violation of this provision. 

Moreover, pursuant to 15 U.S.C. 1681i, you are required to investigate any disputed information on my credit report within 30 days of receiving my dispute. I request that you investigate and remove these unauthorized inquiries immediately. 

Should Experian fail to comply with these obligations, I am prepared to escalate the matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies as provided by 15 U.S.C. 1681n and 15 U.S.C. 1681o for negligent or willful noncompliance.

Please confirm in writing once the disputed inquiries have been removed from my credit report. Should you need any further information from me to resolve this issue, feel free to contact me directly. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

Sunwest Mortgage is reporting a late on my credit file that needs to be removed. I was refinancing my home and working with the title company and sunwest and my lender on this. Everyone advised me to not make a payment because it would mess with my refinance and that the title company would issue the final check that would pay off my loan so I did as I was told. However, even though Sunwest was aware of this, they placed a late on my credit even though they got the payment from my title company. This is not my fault and the late needs to be removed.