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

On XXXX XX/XX/XXXX XXXX closed out CFPB complaint XXXX claiming it was a duplicate of CFPB XXXX. It in fact was not as XXXX provided detailed evidence that showed the account, as reported across the CRAs, contains facially false data and illogical data. In particular, the account/trade reports derogatory information that predates earlier reports that did not include the derogatory information, and information that is plainly inconsistent with other reported information, such that one piece of information must is inaccurate. From XX/XX/XXXX to XXXX XX/XX/XXXX, XXXX willfully or negligently failed to comply with its responsibilities under the FCRA found at 15 U.S.C. 1681s-2 ( b ) by initially failing to conduct a timely investigation with respect to the disputed information contained in the Consumer 's credit reports after receiving notice of the disputes by XXXX, Experian, and XXXX, by failing to review all relevant information provided by XXXX, Experian, and XXXX, with respect to the Consumer 's disputes FCRA found at 15 U.S.C. 1681i. Despite XXXXXXXX XXXX assertion they are reporting the account correctly they are indeed not and at minimum continue to verify facially inaccurate information with Experian, XXXX, and XXXX. While XXXX may insist " they are responsible for [ furnishing ] data [ regarding the Consumer ] but are NOT responsible for how the data is displayed [ by the CRAs ], '' they share equal culpability with the CRAs for the errors in the Consumers file for the account/tradeline because " CRA [ s ] can best fulfill [ their ] obligation to report accurately under [ 15 U.S.C. ] 1681e if [ they receiv [ e ] accurate information from a furnisher under [ 15 U.S.C. ] 1681s-2 '' ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) ). XXXX has simply been asked to fix the errors and to cease verifying inaccurate/incomplete/misleading/false information for the Consumer. Discovers inability to fix those errors is clear indication that it lacks adequate policies and procedures for assuring maximum possible accuracy of information they furnish to the CRAs regarding the Consumer, placing XXXX in violation of 12 CFR 1022.42 ( b ) and 12 CFR Appendix E to Part 1022 at III. Violations of 12 CFR 1022.42 are considered to be willful when it is inconsistent with authoritative guidance of a Federal Agency ( Fair Credit Reporting ; XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) ; referencing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XX/XX/1987 XXXX XXXX XXXX XXXX XXXX Texas, XXXX ( XXXX ) XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX XXXX  : # XXXX Account name : XXXX XXXX / XXXX XXXX # XXXX Account name : XXXX XXXXXXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXXXXXX XXXX # XXXX Account XXXX : XXXX XXXX  XXXX # XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX Account XXXX : XXXX  XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX  XXXX Account name : XXXX XXXX # XXXX Account name XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # 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 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. 

Sincerely, XXXX XXXX
Product: Mortgage

Monday morning XXXX/XXXX/2015 we had a disturbing experience while visiting the SunTrust XXXX VA branch. For over a year and a half, we have had a home mortgage with SunTrust. Several times we have received communications from the bank suggesting that we consider making biweekly payments instead of XXXX a month as we had been doing. This seemed like an interesting idea, and we tried to sign up, which necessitated several unhelpful trips to the branch. It finally started to happen with XXXX payments being taken out of our XXXX XXXX account on the XXXX and XXXX of XXXX, against a due date of XXXX XXXX. We were pleased to see this occur -- until we received a letter and XXXX phone calls telling us that we were overdue with our XXXX payment. 

Since we are on time with payments, and clearly STI had the money in hand for our XXXX payment, we did not understand why we were overdue. The gentleman at the branch was n't sure either, so he called the mortgage department. A lady on the call explained to us that the {$2400.00} STI had in its possession by XXXX XXXX XXXX and which could have been taken by XXXX XXXX ) remained unallocated against our loan and did not represent a XXXX payment, but was instead considered an advanced payment for XXXX, which was n't due until XXXX XXXX! Therefore, we still owed STI {$2400.00} for our XXXX payment. 

The net effect of this " unallocated '' collection is that STI perpetually has the free use of {$2400.00} of our money, since STI will always have our {$2400.00} a month ahead of the due date. To the extent that this is true, and that others have enrolled in the XXXX payment system, which STI bills as a better deal for the borrower, the real beneficiary would seem to be SunTrust itself, with an ever increasing unallocated float as more people sign up. 
We are enclosing a copy of an STI printout that clearly shows the unallocated funds in our account. Also enclosed is a copy of the letter we received dated XXXX XXXX, but mailed in an envelope dated XXXX XXXX, confirming that we were enrolled in the XXXX program. There is nothing in this letter that remotely suggests that the biweekly funds being withdrawn in XXXX did not constitute payment of that month 's installment.
Product: Credit card

I enrolled in monthly minimum amount due recurring payments some time ago with my WalMart Credit card. Up until just recently, those payments were drafted correctly from my account. today XX/XX/2017 when I logged into my bank account I notice Walmart had taken over {$410.00} from my bank account which they were not authorized to do. my monthly minimum payments are {$25.00} which was the amount they were authorized to debit my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX inquiry dates XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX inquiry dates XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX XXXX inquiry dates XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX Inquiry dates XX/XX/XXXX XXXX 

15 USC 1681 section 602 A. States i have a right to privacy 15 USC 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

One evening my ex-husband and I went into a XXXX XXXX store to look at prices for new phones. The agent showed us some and we told him they were too expensive and too much for our budget. The agent kept trying to push us to purchase them and we kept saying no. It was getting late and it was time for the store to close so we were leaving when the agent told us to take the phones home, look over them and get a feel for everything they could do. We said sure but that we were sure we weren't going to purchase them. *We didn't sign anything*. The next morning we were at the store when they opened and we returned the phones. We said they were far too expensive for our budget and we couldn't afford them, and we left the phones with the agent. Within a week we started getting bills in the mail for the phones. I called them over and over again and told them that we didn't have them and they needed to speak to the agent. After a while XXXX  turned us into Convergent  Outsourcing ( a debt collection place ) and I tried to fight it but didn't have any luck. NOW, Convergent is submitting the debt to the credit bureaus EVERY MONTH stating that the account was opened in XX/XX/XXXX, which makes it look like I've been delinquent very recently, when in fact this occurred in XXXX. But they are hurting my credit every month by doing this. 
I had contacted their company many times and explained what occurred but they told me I owed it, but I don't.
Product: Consumer Loan

consumer portfolio services told my insurance company when i got involved in a accident that i defaulted on my loan and the loan was charged off because of delinquent payment
Product: Debt collection

I do not owe XXXXXXXX XXXX ANYMONEY ... They had a eviction hearing and within the hearing the judge REMOVEDme from the case because l NEVER lived there. The court sent me a copy of the summo s taking my name off and l called XXXX XXXX XXXXXXXX court and the clerk confirmed l was removed and no judgment was on me. I spoke to a rep at THUNDERBIRD COLLECTIONS and they were dis respectful and RUDE.l told them l don't owe this place any money and there is NO judgment in my name. The un professional worker just proceeded to argue with me and hung up in my face. L just checked my credit and THEY ADDED IT TO MY CREFIT AS AN OVER XXXX JUDGEMENT and ruined my credit
Product: Credit card or prepaid card

This is dispute is for a bank of America credit card, in XXXX. My social security number and personal information was used to start an online business i did not approve of. In order to start this online business, they used that Bank of America card. 

When i saw these balances on my account BOA checking account at the time. I was trying to find out where they were coming from. Once i found out my it was someone else using my information I had to quickly close my account. I tried to find the person to pay back the debit but was never able to get ahold of him again. 

During that time, I had other credit cards opened in my name that I since got deleted. I was able to pay off the XXXX XXXX card because that was the only card I applied for and used personally. If you need more information I am willing to provide it.
Product: Checking or savings account

My bank america account had fraud done to it in 2016 and Bank of American never resolved the issue. I sent them everything they needed and I cooperated every step of the way and they never resolved the issue because they didn't find any evidence of fraud supposedly. They state that I owe them over {$10000.00} for something I had no control over.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received a Hard Inquiry with XXXX from Comenity Bank/Arhaus . I called the bank and they stated that there was an application put in for a credit card with Arhaus Furniture. I advised them that this was fraud and I needed it reported. They reported it as fraud and canceled the application.
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 TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THESE ITEMS FROM MY FILE TO CORRECT MY CREDIT REPORT. I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. HOWEVER, I REQUEST THAT YOU REMOVE THESE ITEMS IMMEDIATELY. OR I WILL GET MY ATTORNEY INVOLVED
Product: Credit reporting or other personal consumer reports

To begin, per the FRCA, as a Federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given any of the Credit Bureau 's, written, un-written, verbal, non verbal, per 15 USC 6802. According to the Privacy Act of 1974, I have the right to privacy on Third Party Reporting Agencies putting derogatory or negatively impacting information ; as well as The Fair Credit Reporting Act 15 USC 1681 ( a ) and ( b ) that the credit reporting agencies can only place information about me, the consumer, with my written consent or else it will effective banking industry.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

I have a side by side proof things have been mis-reported and I have attempted to dispute all of these inconsistencies with the three companies. XXXX, XXXX and TransUnion all have different information, some identity theft, some fraudulent activity and some reporting that I did not request. TransUnion on XX/XX/XXXX I disputed with TransUnion on multiple names that I did not put into their system, nor did I give them permission to use mis-spelled names. There were multiple un-mailable addresses included in my report with TransUnion that they say were updated before my dispute. They were not updated. They have multiple hard inquiries I did not allow and therefore, identity theft and false reporting is still occurring today. There are multiple dates of inaccurate reporting and delinquent mortgage accounts on TransUnion. XXXX and XXXX XXXX both have late payments which have been disputed because they are not my debts. I have never had a XXXX XXXX and it's on my TransUnion file as a closed account, which must be identity theft. As well XXXX. I have received absolutely no correspondence from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri identity theft laws, specifically Missouri Revised Statutes Chapter 570, Section 570.223. 

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

In addition to federal law, Missouri state law, specifically Section 570.223 of the Missouri Revised Statutes, underscores the severity of unauthorized access and misuse of personal information. This statute addresses identity theft and fraud, making it clear that unauthorized use of someone's personal information is illegal and subject to severe penalties. 

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

I demand, with the utmost certainty, that ( company name ) immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Section 570.223 of the Missouri Revised Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

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

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

Done in good faith. 

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

I, XXXX XXXX, filed a formal dispute to address several violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) that directly impacted my credit report. Specifically, I found that my personal information and financial data were mishandled and inaccurately reported. 

Heres what happened : Willful Noncompliance : Under FCRA Section 616, credit information about me was accepted and reported without proper verification of its accuracy.

Deceptive Disclosure Practices : My rights under FCRA Section 603 ( d ) ( 2 ) ( A ) were violated when I wasnt informed about my ability to opt out of having my personal information shared.

Inaccurate Debt Reporting : Various inaccurate inquiries and accounts were reported on my credit file without proper validation. This included violations of Section 623 ( a ) ( 3 ) of the FCRA, which prohibits furnishing deceptive information. 
Harassment and Unfair Practices : Debt collectors engaged in unlawful behavior, reporting false debts and accounts without my consent. This caused unnecessary stress and unwarranted creditor contact, violating the FDCPA.

Third-Party Disclosure : My debt information was improperly disclosed to third parties, breaching regulations regarding the protection of my location information.

Undefined Late Payments : The credit report listed late payments without defining what constituted late, which is misleading and inaccurate.

Finance Charge Miscalculation : Finance charges were incorrectly determined, showing negligence in the reporting process.

Lack of Authorization : Information was added to my credit report without my consent, in violation of FCRA permissible purposes requirements.

In response, I demanded immediate corrections, including the deletion of incorrect personal information and the removal of unauthorized accounts. I specifically requested debt validation under 15 U.S. Code 1692g, as required by law, and provided examples of case law to support my position.

I am expecting a prompt and thorough resolution. Should these violations remain unresolved, I am prepared to pursue legal action to ensure my rights under the FCRA and FDCPA are upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

i XXXX XXXX ASKED THE CREDIT BUREAU TO DO A PROPER VERFICATION OF MY CREDIT REPORT, THEY STATED EVERYTHING WAS ACCURATE, AND I DID A PROPER CHECK MYSELF. I FOUND INPROPER INACCURACY ON MY CREDIT REPORT, EVEN AFTER THEY DID THEIR VERFACATION RESEARCH. 
1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3.XXXX XXXX XXXX XXXX XXXXXXXX 4.XXXX XXXX -- XXXX XXXX ACCORDANCE TO THE FAIR CREDIT ACT CONVERGING ACCOUNT HAS VIOLATED MY RIGHTS, 15USC,1681, SECTION 602,, STATES I HAVE THE RIGHT TP PRIVACY.

15USC, 1681, SECTION 604, SECTION 2, STATES THAT CONSUMER AGENCY CAN NOT BE WITHOUT WRITTEN ONSTRUCTIONS 15USC, 1681, S2, A1, A PERSON MAY NOT FURNISH INFORMATION RELATED TO ANY CONSUMER AGENCY IF THE PERSON KNOWS OR HAS REASON TO BELIEVE THAT THE INFORMATION IS IN ACCURATE
Product: Checking or savings account

Rental a condo in XXXX Fl made 1st half payment of XXXX on XX/XX/XXXX made final payment 7 days of arrival on XX/XX/XXXX made payment through XXXX - contacted resort on XX/XX/XXXX to verify my reservation and I was told the condo unit didnt exsit I reached out to Wells Fargo immediately advised them I was scammed, Wells Fargo said because its more than 60days they wont give me my money back.
Product: Mortgage

I have a loan pending with Suntrust Mortgage for a refinance. Since XXXX, XXXX inquiries have been made by Suntrust Mortgage and XXXX Mortgage Services on behalf of Suntrust. 
I never authorize excessive credit checks by Suntrust and XXXX Mortgage Services on behalf of Suntrust. 
This is action by the lender and the credit reporting service is unethical and illegal. Please have them remove the excessive inquiries from my credit files XXXX. Thank you.
Product: Prepaid card

I purchased a prepaid card ( worth {$300.00} ) on amexgiftcard.com on XX/XX/scrub>XXXX XXXX  However, I later found it very difficult to find places where I could use it. Everywhere I tried to use the card was rejected, including but not limited to main shopping websites like XXXX, XXXX, and XXXX, as well as utility bills and insurance bills. I tried to contact Amex Gift Card customer service, but there was almost no help available.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it.
Product: Debt collection

I have written to the company asking them for the forms I have signed for the " Loan '' they claim I took out. They send me blank forms with no writing, no signature or other identifying information. I now have a Fraud alert on my account for this reason.