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

I am writing to formally address a serious matter concerning the unauthorized disclosure of my credit information. As an individual deeply impacted by my upbringing and surrounding environment, the safeguarding of my personal data is of utmost importance to me. My unique circumstances have instilled in me a strong awareness of privacy and the critical need for consent in sharing sensitive information.

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - " Permissible purposes of consumer reports, '' it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned.

It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information.

Given this unauthorized action, I demand the prompt removal of all inaccurately reportedinformation from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT AND IT'S A FEW FRAUDULENT ACCOUNTS REPORTING TO ALL 3 CREDIT BUREAUS AND SHOULD NOT BE BC IT'S ILLEGAL AND I WAS NOT AWARE. I HAVE CONTACTED THE COMPANY 'S AND THEY SAID CONTACT THE BUREAUS TO DELETE THE ACCOUNTS BUT NOTHING HAS HAPPENED. I ALSO FILED A POLICE REPORT AND I'M READY TO SUE IF THIS ISN'T HANDLED WITHIN THE NEXT 15 DAYS. PLEASE DELETE THESE ACCOUNTS XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. PLEASE DELETE 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.
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. 


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

Due to identity theft, I placed a credit freeze with all 3 credit bureaus in XX/XX/XXXX. I removed the freeze early in XX/XX/XXXX, with all 3. For XXXX  and XXXX, the process was fairly easy. For Transunion, I had to request a new pin number, by mail, which I received in XX/XX/XXXX, and used to lift the freeze on XX/XX/XXXX. I recorded this date in my notes on the process. 

I recently applied for a line of credit, and discovered ( on XX/XX/XXXX ) that a freeze was ( incorrectly ) still in place with Transunion. I tried to remove the freeze online and received an error message. This launched me into a painful series of phone calls with Transunion, which spanned multiple days, and involved me being handed off to at least four different people, and ultimately being transferred to their " US call center ''. At my final phone destination, I spoke with someone who was able to resolve the error and lift the freeze, which I confirmed online while I was still on the phone with her. I also made it clear that I wanted the freeze lifted permanently, not temporarily. 

I know this removal worked, as my bank was able to successfully pull my credit from Transunion and complete my application for the line of credit. 

Yesterday ( XX/XX/XXXX ), I applied for a new credit card ... and was told that they could not complete the application because there was a freeze on my Transunion account. I immediately went online with Transunion ... and saw that the freeze was, in fact, back in place. I tried to remove it, and received the same error message that started the whole removal process that I went through a couple of weeks ago. 

This is ridiculous. This company has too much power to waste my time, interfere with my financial life, and create annoyance to have such minimal responsibility for correcting errors in a timely and painless way. I would like to see my problem resolved immediately ... but beyond that ... I'd like to see Transunion ( and the others ) being held to a higher and more appropriate standard.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting that I am ( 60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account been paid. No payment has ever been missed and therefore no lates should be reporting. I was not aware there were any lates reporting until I obtained a most recent copy of my credit report. I contacted XXXX XXXX  and spoke with the billing department and they stated to me that they did not show any late payments and/or missed payment in their accounting system. I have attached a copy of my payment history as proof that this account has in fact been paid. The lates being reported are in error and need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an identity theft victim from the Equifax data breach. I would like all fraudulent inquiries removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

In XXXX, I cashed two posted dated checks at the check cashing store in XXXX Fl. They didnt hold them and tried to cash them. The didnt clear. They called me and told me they would turn it over to XXXX XXXX Attorneys Office to collect monies owed through courts. the check amounts were {$110.00} and XXXX. SO I get the money and delivered it to them paid in full. Much to my surprise in XX/XX/XXXX XXXX and XXXX XXXX placed these on my credit report. I called them and told them they were paid. They said they didnt care that I owed the money. Quite rude. I called the check cashing store and they said they had no record i owed them any money. I called the collection again but they demanded I pay on a debt that had been paid in full years before. I dont have the receipt of payment because I changed banks and moved a few times. Covid happened shortly thereafter. This has caused great harm and undue stress. My attorney advised me to file a police report against XXXX XXXX XXXX. I want this removed from my credit immediately as its caused me great harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I purchase a used XXXX XXXX XXXX. XX/XX/XXXX I was involved in a vehicle accident which totaled the car. My car loan was through XXXX XXXX. Once I could I made a payment plan on the vehicle through them and paid off what my insurance couldn't cover. The insurance made two payments one for XXXX and another for XXXX then my payment plan started XX/XX/XXXX for XXXX  a month. On XX/XX/XXXX I made my last payment of XXXX that payment wasn't due until XX/XX/XXXX and they are trying to say it was charged off so it is hurting my credit score dramatically and if this isn't resolved I've contacted my lawyer to file a law suit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I hope this letter finds you well. I am writing to formally request a copy of the IRS Form XXXX for a debt that was charged off and reported by your company on my credit report. The details of the account are as follows : Account Number : XXXX Date of Charge-Off : XX/XX/2024 Amount Charged Off : {$16000.00} I believe that the issuance of a XXXX is required under IRS regulations for the cancellation of debt, and I would appreciate your assistance in ensuring that I receive this form promptly. 
Please send the XXXX form to the address listed above or provide instructions on how I can obtain it. If there are any additional steps I need to take to facilitate this process, kindly let me know. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I first attempted to create an account on the Equifax website XX/XX/XXXX. I input all of the information they requested : full name, date of birth, entire social security number, address. I then answered all the questions that were asked. But, still, I was denied access to my credit report. The last time I tried to gain access to my credit report was XXXX. XXXX. XXXX. Again, I input all of my personal information, and again denied access to my credit report. Many consumers online are reporting the same issue. Not only am I being denied access to my credit report, now, Equifax has captured all of my personal information, and I am unable to opt out of the sale/disclosure of this information. Since Equifax has denied access to my credit report, Equifax should not have captured my information. My only intent in attempting to create an account is solely for the purpose of accessing my file. Since I am being denied access, I would like to ask Equifax to provide me with a disclosure of the information they have collected and a process to opt out of the sale/sharing/disclosure of my personal information that I unintentionally provided. However, I can not do this without being allowed to create an account. If Equifax is going to capture a consumer 's information with the risk of not gaining access to the consumer 's file, Equifax should place a warning on their website alerting the consumer of this risk. Furthermore, the consumers ' information belongs to the consumer. Anyone whose information was captured in such a manner, should have an easy process to manage or delete that information they inadvertently provided. So, I am asking the CFPB for assistance with being able to manage how the information Equifax obtained from me is used, and assistance with gaining access to my file. I have accounts with the other XXXX bureaus. So, all the data I input into Equifax 's website is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When applying to refinance my vehicle, the lender reported equifax had no record of me. 
I called Equifax and they agreed-I had no credit or report. I am a homeowner, business owner, and have my background and credit pulled annually by government contractors. 
Equifax was absolutely no help as their phone operators and management could not speak english well enough for me to understand what they were saying. Can anyone suggest a remedy to this frustrating experience? 

XXXX XXXX XXXX XXXX XXXX
Product: Credit card

charges of late fee when account is paid out in full .sent in last payment by mail on XXXX the XXXX of XXXX due on XX/XX/XXXX in which company claime they didnt receive until XXXX XXXX when posted to my account, and now charging me late fees of XXXX for XXXX and and again on XXXX  XXXX XXXX
Product: Checking or savings account

Well Hello! 



my name is XXXX XXXX XXXX and I am a consumer at Wells Fargo Bank. In XX/XX/XXXX I started to notice a few unauthorize transition and immediately filed a claim on this matter. XX/XX/XXXX and XX/XX/XXXX was just horrible for me. Not only did i see a boat load of unauthorized debit transition but many many atm withdrawal with my account. The claims department told me to fax over documents and police reports so we could put a stop this, order new debit cards, and that still didnt solve the issue. My online info was stolen as well. roughly 6k is uncounted for and Wells Fargo is sending me through the wringer for it and blaming me for my account being fraud5. They not only embrass me and family their branches, but they reverse all the claims and closed my account due suspicious activity. In result all of this my daughter boy was the one who stole everything from me including vauble items out my home over the holidays. He admit to stealing my debit card out my purse at night and put it back in before i would wakeup in the mornings to law enforcement. my money is stuck in limbo and Wells Fargo Loss Prevention is so unprofessional and lack customer services. They refuse to continue the invesgation and claim they have atm footage of the suspect. I can't pay my bills this month of all the reversal credit claims out my accout. Please stand with me and let 's resolve this together. 


with love XXXX
Product: Mortgage

writing to address an issue with my loan application. On XX/XX/XXXX, I received a loan estimate from City National Bank, which included the requested loan amount and grant. However, I was recently informed that my XXXX employment can not be considered because I have been employed there for less than XXXX years. 

This decision conflicts with the information I disclosed during the application process, which included : XXXX years of full-time employment at XXXX ( XXXX ). 
Part-time employment at XXXX ( XXXX XXXX ). 
My current full-time position at XXXX ( XXXX XX/XX/2024 ). 

It appears this discrepancy arose from an oversight in your review process prior to issuing the loan estimate. This reversal has caused significant inconvenience and raises concerns about due diligence. 

I request a formal explanation for this decision and ask that my application be reevaluated, considering my complete employment and income history. I am prepared to provide any additional documentation needed to support my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX U.S.C 1681 ( section 602 A ) States i have the right to privacy 15 U.S.C 1681 ( Section 604 A Section 2 ) Also states, A consumer reporting agency CAN NOT FURNISH a Account without my WRITTEN CONSENT/INSTRUCTIONS. 

ALL ACCOUNT NUMBERS LISTED BELOW Has violated my rights for furnishing IDENTITY THEFT to UNAFFILIATED 3rd party consumer agency Account # - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX, I filed for Chapter XXXX bankruptcy protection in the state of Kansas. As part of the bankruptcy, a credit card account that I had with XXXX XXXX XXXX XXXX XXXX, XXXX, Tennessee was discharged. Due to changed financial conditions, my bankruptcy was converted to a Chapter XXXX in XXXX and was discharged as such. Despite being discharged, XXXX continues reporting an unpaid balance on a closed card of {$7100.00} to all credit reporting agencies. When I contacted them in XX/XX/XXXX regarding this, requesting that they remove the balance and properly report the account, they acknowledged by letter that the credit card had been a part of my bankruptcy, but they continued reporting the balance thereafter. Their reporting of a balance appears to be a violation of the FCRA and potentially the bankruptcy court 's injunction. The account should immediately be removed from all of my credit reports as the 10 year period for reporting under a Chapter XXXX has now lapsed.
Product: Credit reporting, credit repair services, or other personal consumer reports

All XXXX major credit bureaus : Trans Union, XXXX, and XXXX. 
My legal name is XXXX XXXX, XXXX. I have submitted requests for confirming name from State Driver License, and Social Security Card confirming number. 
They are still refusing to carry my report as XXXX XXXX, XXXX. 
Most of the accounts on the reports, totals are incorrect as I have paid recent debts credit cards or personal loans over XXXX, and several account balances are wrong. 
The XXXX scoring methods are based on incorrect data and negatively affecting my ability to rent or Rent to Own, or Purchase a home or to get moved. 
I sold my home on XX/XX/2022 and immediately began paying off debt, yet most accounts are not being reported correctly. This is negatively affecting my Debt to Income Ratio which is extremely important to underwriters in the loan process. 
I am still living in the home sold, but paying market rent, which is currently exorbitant compared to my income as a Retired Single man. 
All 3 are currently FROZEN until I can begin the process to correct all 3 reports. 
When should I begin to remove these Freezes so, the corrections can be completed??
Product: Debt collection

I had an outstanding balance on my XXXX account. The debt was placed for collections with XXXX XXXX XXXX , XXXX. I agreed to a debt setllement with XXXX for XXXX of the outstanding balance. The last settlement payment was made on XX/XX/XXXX. XXXX shows my account as settled with a XXXX balance. I received a letter from them that the account was now closed and they would inform their client that the settlement was paid. XX/XX/XXXX, I received a collection notice from Allied Interstate LLC for an amount of XXXX for the same XXXX account. I have contacted them on several occasions and also mailed copies of my completed settlement letter from XXXX and they still call my work and home phone several times a day trying to collect on this debt.
Product: Credit card

The company is reporting that I have a charge off balance which is incorrect. This was a secured card and the money was released to take care of the balance. I want the company to remove and delete this inaccurate information.
Product: Checking or savings account

On XX/XX/24 there was a pending debit for {$130.00} on the account without description of the transaction. Called the bank and they were unsure what the charge was because it was pending and advised to call back on Tuesday once charge cleared to dispute. Today in review of the account, the charge states it is for recovery of forced closed account. The account is and has been open and active, and was not overdrawn. I called the bank for further explanation to which none was given as to the reason the account was closed and why there was a debit for {$130.00} ( the account did not carry a negative balance at any time ).
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 an account without my written instructions 15 U.S.C 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: Debt collection

I am writing to complain regarding a letter I received from the Law Office of Stephen Buckley PLLC, dated XX/XX/year>. The letter attempts to collect an alleged consumer debt on behalf of XXXX XXXXXXXX XXXX XXXX 

This communication constitutes the first instance in which I have been contacted by this debt collector, and I have received no further communications from this debt collector as of the date of this complaint. 

After reviewing the letter, I believe it violates the Fair Debt Collection Practices Act ( FDCPA ) in at least the following ways : Failure to Provide Validation Notice : The letter does not include the validation notice required by 15 U.S.C. 1692g. As this was the debt collectors initial and only communication with me, this omission represents clear violation of federal law. 

Failure to Provide Other Required Notices : The letter does not include the notices required by 15 U.S.C. 1692e ( 11 ), including that any information obtained will be used for the purpose of debt collection. 

Attempt to Collect a Nonexistent Debt : The debt referenced in the letter has already been disputed under the procedures of the Fair Credit Billing Act ( FCBA ), and XXXX XXXX rendered a decision in my favor that no debt is owed to the merchant. The attempt to collect this purported debt is a misrepresentation of the character, amount, and legal status of the debt, in violation oXXXX 15 U.S.C. 1692e ( 2 ). 

False Threat of Legal Action : The letter falsely states that a lien will be placed on my property within seven ( 7 ) days of the letters date. This statement is a direct violation of 15 U.S.C. 1692e ( 4 ) and ( 5 ) as it falsely threatens an action that the debt collector has no legal authority to take. It also constitutes false and deceptive means to collect a debt, in violation of 15 U.S.C. 1692e ( 10 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The address on this Bankruptcy is inaccurate. I have submitted all documents to all Transunion and all bureaus and have got nowhere.