23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I

n 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. 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

XXXX XXXX is reporting my loan XXXX days past due but my next payment due on their website is XXXX/XXXX/XXXX. My payments are current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed all of these Auto finance inquiries I didn't authorize : XX/XX/22 XXXX XXXX XXXX XXXX XX/XX/22 SANTANDER XXXX XXXX XX/XX/22 XXXX XXXXXXXX AUTO XXXX XXXX XXXX XXXX XXXXXX/XX/22 XXXX XXXX XXXX XXXX XXXX XX/XX/22 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/22 XXXX - XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Adjustment Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Subject : Formal Dispute of Debt Immediate Removal Required To Whom It May Concern, I am writing to formally dispute the collection account that your company has reported to my credit file. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I request immediate validation of this debt, including but not limited to : 1. A copy of any signed agreement or contract proving I am legally responsible for this alleged debt. 
XXXX. The full accounting of the debt, including original creditor details, amount owed, and itemized charges. 
XXXX. Proof that your company has the legal authority to collect this debt. 

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2 ( b ), inaccurate or unverified accounts must be removed from my credit report immediately. If you can not provide verifiable proof within 30 days, you are legally required to delete this collection from all credit bureaus per 15 U.S. Code 1681i ( a ) ( 5 ).

Failure to comply will result in legal action against your company for violations of consumer protection laws. I have retained legal counsel and am prepared to escalate this matter in federal court under 15 U.S. Code 1692k, which allows me to seek damages for any unlawful collection activities.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding multiple violations of my rights by XXXX, Experian, XXXX and XXXX for violating my rights under the Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). Despite FERPAs protections under 20 USC 1232g ( b ) which have resulted in inaccurate reporting of my credit information and the unauthorized disclosure of personal data. I believe these violations are in breach of the Fair Credit Reporting Act ( FCRA ) and other privacy laws, including the Gramm-Leach-Bliley Act ( GLBA ).

1. Violation of FCRA Unauthorized Reporting of Bankruptcy ( 15 USC 1681 section 604 ( a ) ( 2 ) and 15 USC 6802 ( b ) ( c ) ) My XXXX XXXX bankruptcy was reported to the credit agencies without my authorization. According to FCRA regulations, consumer consent is required to report information of this nature. I did not provide consent to the reporting of my bankruptcy, nor was I informed of my right to opt-out as required under 15 USC 1681 section 604 ( a ) ( 2 ) and 15 USC 6802 ( b ) ( c ).

2. Violation of FCRA Failure to Remove Charged-Off Accounts ( 15 USC 1681e ) The charged-off accounts reported on my credit file have not been accurately reported, and I request that these accounts be completely removed and deleted from my credit report. These accounts have been repeatedly updated every month as charged-off, which falsely manipulates the statute of limitations. A charged-off account should not include an active payment history. The inclusion of a payment history for charged-off accounts is inaccurate and misrepresents the status of these accounts. This negligent reporting violates my rights under FCRA regulations, which require accurate reporting and timely investigation.

3. Violation of Financial Privacy Laws ( 15 USC 6801 ) I am concerned that my financial privacy has been violated, as personal information regarding my bankruptcy and charged-off accounts was disclosed to third parties without my explicit consent. Under the Gramm-Leach-Bliley Act ( GLBA ), financial institutions are required to respect the privacy of consumer information.
Product: Credit reporting or other personal consumer reports

I can not view or see my equifax report on any platform or app I have called them numerous times over the past months to get this resolved with no help whatsoever they have people who dont speak any English not understanding that they are breaking laws by not allowing me access to my report, this needs to be fixed IMMEDIATELY I havent been able to view my report for over 10 months
Product: Credit card or prepaid card

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and CAPITAL ONE with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX/XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my final dispute letter that I am sending before I take legal action against all XXXX credit reporting agencies. Attached is the letter along with the erroneous information being reported. If it is returned as verified I will be filing a lawsuit
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. 
In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are in compliance with OHIO LAW. The following account are still unverified : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law.
Product: Credit reporting or other personal consumer reports

Accounts XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX i am a victim of identity theft, i am asking that the company provides me with a wet ink signature to validate these items. if that cant be provided i am asking to have these unauthorized accounts removed immediately.
Product: Credit reporting or other personal consumer reports

This is to inform the CFPB. That for the past six months. I have been trying to renew credit with Self financial. Unfortunately, there is a freeze on my consumer credit report. With a company by the name of XXXX XXXX which Is owned by XXXX XXXX. On several occasions for the past six months, I've been trying to get their attention, on this freeze. my XXXX freeze is lifted But XXXX XXXX does not want to approve My application Because of that freeze. I have been communicating with, XXXX and XXXX XXXX, to lift the freeze on my consumer credit report but They been giving me a hard time on freezing my personal information this is a strategy for consumers not to get approve Between XXXX and XXXX XXXX and self-financial is denying credit to the consumer. XXXX XXXX is demanding my personal information when I have mentioned that all my information is with XXXX since XXXX is owned by XXXX XXXX it should not be hard to get my personal information. my understanding is that self-financial does not want to approve me. All because of my credit history This is called discrimination. Which is a violation. I, the consumer and natural person, was denied credit by self-financial when I applied for a credit card. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by self-financial XXXX and XXXX XXXX. due to the response, I received. Self-financial XXXX. And XXXX XXXX. is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Self Financial.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, Experian, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$6900.00} from XXXX XXXX XXXXXXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/2XXXX 
According to the Fair Credit Reporting Act ( FCRA ) ( XXXX U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. 
Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful noncompliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX 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/XXXX to update this suspicious information. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I think you have not validated this account 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 complain, and I'm including it again. BANK OF AMERICA XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to Dept Of Ed/XXXX XXXX , Dept Of Ed/XXXX  XXXX , Dept Of EdXXXX XXXX , Dept Of EdXXXX XXXX, and Dept Of Ed/XXXX XXXX . Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid and closed my car loan on XX/XX/XXXX, and this company reported me 30 days late for XXXX even though the loan was paid in XXXX. That makes absolutely no sense, I need this late remark removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention some discrepancies in my credit report that I believe may be inaccurate or misplaced. I am respectfully disputing these claims and kindly requesting that any negative information be removed from my report. I understand that it is crucial for credit reporting agencies to adhere to mandatory reporting standards, and I am confident that you will work towards this goal. I request that you provide me with the physical proof to back up any allegations made against me, and that you comply with the reporting requirements set out in 15 U.S.C 1681e and 12 CFR Part 1022 ( Regulation V ). I am aware that any inaccuracies or deviations from these standards can have significant implications for both federally regulated reports and Metro 2 compliance standards. Therefore, I urge you to investigate the validity of the inaccurate items in my report and either replace them with accurate ones or delete them altogether. I understand that mistakes can happen, but I trust that you will conduct reasonable investigations of consumer disputes and ensure that the information in my credit report is both accurate and complete. I kindly ask that my rights are protected and that you comply with the highest standards of certified reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I went visited XXXX XXXX  today to find out a bill from my sons mother wasnt paid. Im not listed with the provider. However they wrote a derogatory statement that said I was in collections. Never received a bill from them nor was I there during said services. My score dropped 32 points because of this. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue was n't resolved at all nor address in transunion response. Inquiries were not part my 4 letter dispute process to the credit bureau ; But the aligned students loan debt that XXXX and all credit bureaus have failed to provided me a promissory note or credits accumulated proving that i used this aligned for educational purposes. 

I started asking for a copy of my Promissory Note with my original signature on it since XX/XX/XXXX from XXXX. I 've gotten several responses but none satisfied my initial request ; i was given a computerize signature connecting me to these alleged loans. So after getting no proper response from XXXX, i sought out the credit bureaus from help on retrieving the proper documents. On XX/XX/XXXX the first dispute letter was sent through the credit bureaus dispute portals online, XX/XX/XXXX & XX/XX/XXXX transunion & XXXX was sent via certified mail XXXX online dispute portal, XX/XX/XXXX all was sent certified mail, and the 4th and final letter was sent XX/XX/XXXX via online dispute portals. All the credit bureaus responses were the same as the info report was accurate and could not be deleted. All certified mail was notarized by notary service.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666 B a creditor may not treat a payment on an account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

Please delete the following items : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX : {$640.00} ; XXXX XXXXXXXX XXXX Balance : {$43.00} ; XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$530.00} ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.
Product: Credit reporting or other personal consumer reports

According to the fair credit reporting act, fifteen u s c sixteen eighty one section 602 states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. " XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 which states " it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and Confidentiality Of those customers ' non public personal information. '' Chase bank is a financial institution by definition under that title. 15 USC 1681 section 604 section 2 states that " In general, subject to subsection, ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : " In accordance with the written instructions of the consumer to whom it relates. '' Chase Bank the financial institution and the consumer reporting agency 's XXXX and XXXX do not have any of my consent to furnish this information and they surely do not have my written consent. Any and all consent XXXX, XXXX, or Chase Bank whether it is verbal, non verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) and ( c ) states that, '' a financial institution may not disclose non public personal information to a non affiliated third party unless -- -- the consumer is given an explanation of how the consumer can exercise that non disclosure option. Chase Bank never informed me of my right to exercise my nondisclosure option. Also 15 USC 1681C ( a ) ( 5 ) ) states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which It against the law. 15 USC code 1681S - 2 ( A ) ( 1 ) State 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. 15 USC 1681c states. " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishings of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states that " a consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Mortgage

I applied for a refinance through a real estate agent, sent in all the required paperwork, esigned all the required paperwork, and paid for an appraisal. Once my file was in underwriting, the underwriter told the realtor my 2015 tax return was incomplete because XXXX was not filled out, and the return needed to be amended. I did not fill out this part of XXXX since I filed form XXXX. I was told once the underwriter received the amended return the loan would be approved. I told the realtor I did not agree with this ruling because I felt my return was filled out correctly and no amendment was needed. I said this for the reason that when you file form XXXX, you do not fill out XXXX ; you do not do both, it is one or the other. The realtor told me it would be great if I could get that in writing where she could submit the letter to the underwriter. So, I contacted XXXX attorneys ( XXXX being a tax attorney, XXXX being a real estate attorney ) who confirmed that when you file form XXXX, XXXX should not be filled out. The underwriter was wrong, and the attorney did write a letter to this effect that I submitted to the realtor, who submitted it to the underwriter, and some more people involved she told me. In the meanwhile, the realtor informed me that when a decision is not made in 30 days, what she could do is withdraw the loan until I either amend the return or produce the letter. The loan was neither approved or denied at this point. To my surprise, I received papers in the mail indicating I had withdrawn the loan, and in terminology as if the loan had been denied. To date I have not heard one way or the other what the outcome was after reading the letter from the attorney. I am most upset over paying for an appraisal.