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

I asked XXXX to validate and check for inaccuracies. They sent me a letter by mail stating that all information was correct and validated. I have done my own investigation and for inaccuracies. I have a right for my credit report has inaccurate information is discovered in your file, the consumer reporting agency must examine the disputed information the consumer reporting agency has a responsibility to remove it. 

XXXX XXXX Validate Account XXXX  XXXX Validate Account XXXX  XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX  XXXX Validate Account US DEPT ED XXXX Validate Account In accordance with the Fair Credit Reporting act these accounts that are listed above, has violated my rights. 

15 U.S.C 1681 States I have the right to privacy.

15 U.S.C 1681 Section A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Macys XXXX : This account was paid off and they kept sending me a bill each month. I tried through numerous attempts to get them to close my account, with their being no balance I would get a bill the next month with a balance. This should not be reporting on my credit report negatively.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXXXXXX  ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXXXXXX  This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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, credit repair services, or other personal consumer reports

Hello I have tried over and over to submit the FTC report for the following accounts XXXX XXXX XXXX and XXXX XXXX XXXX and the following hard inquires. Please remove asap per the attached reports.
Product: Credit reporting or other personal consumer reports

This account was settled per the settlement agreement attached yet XXXX XXXX did not report it to the credit bureaus that the account was settled. 

Also, this was a corporate account and should not even be on my personal credit report. 


Thank you, XXXX XXXX
Product: Credit card

Received notice today XXXX/XXXX/2016 that my citicard account ending in XXXX was closed. This was done due to non use of the account but does adversely impact my credit standing since this account had {$30000.00} available. I believe that this adverse action requires prior notice and there was none. Representative I spoke with said this was citi bank 's policy and contacting the cfpb was fine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I REPEAT THAT THIS IS NOT A REQUEST FOR VALIDATION/VERIFICATION NOR A DISPUTE. On XX/XX/2022, I the consumer notified the CFPB ( Consumer Financial Protection Bureau ) about XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX ), VIOLATING 15 USC 1692c ( a ) -COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the EXPRESS PERMISSION OF A COURT OF COMPETENT JURISDICTION, a debt collector may not communicate with a consumer in connection with the collection of ANY DEBT, I as the consumer never gave PRIOR CONSENT to XXXX XXXX XXXX XXXX, TO COMMUNICATE WITH I THE CONSUMER NOR FURNISH ANY ACCOUNT TO MY CONSUMER REPORT. XXXX XXXX XXXX AGREED IN WRITING THROUGH RESPONDING TO MY CFPB COMPLAINT THAT THEY WILL CEASE COMMUNICATION PURSUANT TO TITLE 15 USC 1692c ( c ) OF THE FDCPA ( Fair Debt Collection Practices Act ) CFPB complaint # XXXX XXXX ) Pursuant to title 15 USC 1692a ( 2 ) The term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through ANY MEDIUM. Communicating about an alleged debt through my Consumer Report is violation of the FDCPA, that's communicating with I the consumer through a MEDIUM and ( Equifax ) ( XXXX ) and ( XXXX ) are in serious violation also. Equifax, XXXX and XXXX fraudulently furnished account XXXX  XXXX XXXX on my consumer report without the consent of the consumer or the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury pursuant to 15 USC 1681b ( a ) ( 1 ) under permissible purposes of consumer reports. Here 's other Violation of the FCRA as well : ( 1 ), 15 USC 1681 ( a ) 4 ( b ) -Accuracy and fairness of credit reporting ( 2 ), 15 USC 1681a ( 1 ) - Consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, and mode of living are impacted.

( 3 ), 15 USC 1681b ( a ) ( 1 ) ( 2 ) -Permissible purposes of consumer reports. I the consumer never gave pre-Authorization nor prior permission to furnish any of the information on my credit report. 
Each violation under the FCRA and FDCPA is {$1000.00} each violation. I demand this account ( XXXX XXXX XXXX ) be deleted Immediately or I will file for litigation in accordance with the FCRA and FDCPA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1681n - title 15 USC 1681o ) regarding the continued willful and negligent noncompliance and 15 USC 1692k civil liability section of the FDCPA.
Product: Credit reporting or other personal consumer reports

I have disputed an account with XXXX XXXX XXXX ( XXXX ) about a XXXX XXXX account that they bought. I reviewed my consumer report today, and under remarks they have that I disputed the account and that it meets FCRA requirements. I did not conduct any type of business with XXXX. I did not get a letter from XXXX as I do not live at that address on the letter ( attachment ) that was sent to me when they responded to my dispute on this website. They did not meet the FCRA requirements. How can they re-age an account that they bought from XXXX XXXX? It is illegal to re-age a debt by reporting it to the credit bureaus after purchasing it in the secondary market. I have not and will not make any payments on this account There is no date of delinquency from the original creditor. Legally, this is considered a continuation of the original date. The open date they have is when they purchased it and that date is inaccurate. There is no date of last activity, no charge off date, and the payment history or summary is in accurate. How can XXXX buy an account and put it on my consumer report as if I did business with them? Send me proof that I gave XXXX XXXXXXXX permission for XXXX to collect on this debt and that I gave XXXX XXXX permission to sell the alleged debt to XXXX.
Product: Mortgage

Rocket Mortgage failed to complete their proper due diligence in contacting my county 's property appraiser office when preparing my escrow analysis for XXXX. As a result of their ineptitude, they attempted to declare that I had a shortage in the amount of {$330.00}, and that I should expect my payment to rise {$75.00}. They determined my county taxes for XXXX would be $ XXXX. Their assumption and lack of due diligence has caused XXXX and nearly caused borrower harm. If I were not more educated on mortgage servicing, and escrow in particular due to my career, I would absolutely have been stunned and not sure how to address this issue. Being a step ahead of this game, I had to submit a complaint and demand, literally demand, a new escrow analysis be completed. Submitting data from the property appraiser 's website, the chat agent warned me " this could lead to a shortage, are you sure? '' -- - I am literally appalled that Rocket Mortgage would train their agents to use language such as this, as if identifying a mistake that Rocket Mortgage made and demanding that they correct it should come with a warning! Having to disclose that a ) rocket mortgage made a mistake, b ) i am doing their job for them by giving them information, c ) had to request on three contact events. I have been advised dates of resolution from XX/XX/XXXX, to XX/XX/XXXX and now today I am told XX/XX/XXXX. This is frustrating. Rocket Mortgage has continued to make excuses about why they failed to properly assess my county taxes in their escrow analysis and as a mortgage servicer, these are unacceptable. I expect my payment to DROP this year, not INCREASE. I am not trying to FALSELY ENRICH this tech giant.
Product: Credit card or prepaid card

I have contacted Chase bank on several occasions with regards to a billing dispute and Chase has not resolved the problem. The following information applies : 1. On XX/XX/2020 I purchased from XXXX XXXX round trip tickets to New York for a total of {$3300.00} XXXX reference attached invoice ). 

2. On XX/XX/2020 I was charged {$780.00} x 4= {$3100.00} 3. On XX/XX/2020 I was charged {$680.00} x 2 = {$1300.00} 4. Total amount of charges = {$4500.00} 5. On XX/XX/2020 a credit of {$420.00} and {$250.00} was given thus leaving outstanding charges of {$3800.00} I have asked Chase to correct the inaccurate billing charges and Chase continues to respond that charges are valid.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Information from Credit Reports Account Number : N/A Dear XXXX XXXX, I am writing to formally request the removal of my information from all credit reporting agencies in accordance with 15 U.S.C. 6801 and 15 U.S.C. 6802, which pertain to the protection of nonpublic personal information and its unauthorized dissemination.

Under 15 U.S.C. 6801, financial institutions such as WORLD FINANCE are obligated to safeguard the privacy of nonpublic personal information and to implement measures to protect such data. Furthermore, 15 U.S.C. 6802 requires financial institutions to provide customers with the ability to opt out of the sharing of their nonpublic personal information with non-affiliated third parties, such as credit reporting agencies.

I have not given my express consent for the sharing of my nonpublic personal information with credit reporting agencies, nor do I wish for this information to continue being shared. As such, I am exercising my right to opt out of any further information sharing under the provisions of 15 U.S.C. 6802.

Please take the following actions immediately : Remove all instances of my personal and financial information from any and all credit reporting agencies to which you may have provided my data.

Cease any future sharing of my nonpublic personal information with credit reporting agencies or any other third-party entities without my express consent.

I expect confirmation that my request has been processed within 30 days of receipt of this letter. Failure to comply may result in further action, including filing a formal complaint with the Federal Trade Commission and/or pursuing legal remedies under the Gramm-Leach-Bliley Act.

Please send written confirmation of the removal of my information to the address listed above. 

Thank you for your prompt attention to this matter. 

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

I sent them a letter back on XX/XX/XXXX of this year and no one responded to me. The account is paid off and was never late. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX SS # XXXX XXXX XX/XX/XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX TEXAS XXXX XXXX XXXX GA XXXX To Whom It May Concern, I recently received a copy of my XXXX XXXX Equifax XXXX XXXX credit report and I noticed late payment posted on my credit profile. 

ACCOUNT : ACCOUNT # XXXX XXXX XXXX Your company is in clear violation of the law Under 15 U.S. Code 1681b- Permissible Purpose of Consumer Reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, ( i ) any report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete/Update the above late payments from my consumer report, this agency is in violation of 15 U.S. Code 1681. Failure to respond satisfactorily with Deletion/Update of the above referenced account along with sending me a free copy of my credit profile after the changes have been made will result in legal actions being taken against your company. In addition I will be seeking {$1000.00} per violation for : 1- Defamation of Character ( per se ) 2- Negligent Enablement of Identity Fraud 3- Fair Debt Collections Practices Act 15 U.S. Code 1692g violations 4- Fair Credit Reporting Act 15 U.S. Code 1681 violations for willful noncompliance- 616. Civil Liability for willful noncompliance [ 15 U.S. Code 1681n ] Thank you for your time and consideration in this matter, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX CFPB XXXX XXXX XXXX # XXXX https : //www.consumerfinance.gov/complaint XXXX XXXX XXXX NY XXXX
Product: Checking or savings account

I am unable to connect my PNC bank business checking account to another service via the Plaid system. Please inform PNC that consumers should be able to share their information as they please. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a security freeze with Sage Stream on XXXX XXXX but havent received a PIN number to unfreeze or any confirmation number. Im having a problem establishing new credit now because I cant unfreeze my consumer report with this company so my identity is hard to verify. Ive called so many times but its automated and Im not able to speak with a human. Ive even requested a replacement PIN number on XXXX XXXX.
Product: Debt collection

I received a voicemail from Patenaude & Felix XX/XX/XXXX regarding a delinquent XXXX credit card. I called back and the rep who answered the phone advised me of a payment plan of {$66.00} beginning later that month. I advised him that I was interested in the plan but that I needed to call back on the exact date I wanted to make a payment. He said that was fine and the call ended. I am still trying to get myself financially back on track and by XX/XX/XXXX I still was not able to make the payment. During the one call I had with the attorney 's office, I never advised of any bank account I wanted to use and never set up a payment. My surprise when I checked my bank account yesterday and noticed a {$66.00} check had been submitted to my XXXX XXXX XXXX account. That checking account was already overdrawn so that {$66.00} payment was returned and I was charged a {$35.00} nsf fee. I do n't believe it 's right that this 'attorney ' office and/or XXXX can just automatically take money from my account WITHOUT my authorization. I never set up a payment with Patenaude. I never even went on XXXX 's website and set up a payment. I was never given any plan details in the mail nor any sort of confirmation number since I never set up a payment. I find it interesting that the payment they tried to draft was the exact {$66.00}. I feel that the rep from the attorney 's office took it upon himself to contact XXXX and they took whatever checking account they had on file and tried to charge my account. I want to make good on my account but this is ridiculous. With the issues XXXX has had in the past this certainly does n't make them look any better in my eyes and this attorney should know what they have done is unlawful. Also, when I spoke with the rep I asked if I would get payment plan details in the mail first before I wanted that before setting up some payment. He said I would get it in the mail but it never arrived.
Product: Credit reporting or other personal consumer reports

This third party collection service is trying to fraudulently state I owe back rent that was covered under the cares act Covid pandemic relief. The original apartment was in the process of an application for assistance, the account was not delinquent before assistance was provided. This company is trying to double collect, and illegally sell this debt to a third party collection service. This is unacceptable due to CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I demand that this be removed from my credit immediately, this has caused great hardship for me. I am unable to rent an apartment due to the fact this false collection is on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : My only address iXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, ga XXXX remove all other address attached
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 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 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

I filed an online dispute for inquiries on my credit report. The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. None of these fits this requirement. Opened dispute on XX/XX/XXXX and received a response on XX/XX/XXXX that each and everyone was a factual record of file access. That is the problem file access by companies that do not meet the guidelines and no information from Equifax showing how they validated each and every one of them. I would like to have these removed and Equifax needs to know that spending 2-3 days on a response would not allow for anyone to do any kind of research or proper validation against the rules and regulations stated in the FCRA. I look forward to your assistance in this matter!
Product: Credit card or prepaid card

I have had an account with Bank of America since 2009 ( credit card and checking ). It is my oldest account, and I was a happy and loyal BofA customer, trusting it since 2009 when trust in the bank was at an all time low post the financial crisis. 

Like my other cards, I have paid ALL my bills in life on time, have never missed a payment ( on anything ) and have a pristine credit report/score. 

However, 5 days ago, with no notice or warning, BofA shuts down my oldest credit card account. No warning was given, and after spending an hour with their account closure department, they were unable to provide a reason why this was done, and unable to reinstate it. We are in the middle of a global pandemic. Banks ( like BofA, who have stuffed themselves silly with all sorts of bailout money while engaging in share buybacks - looking at you XXXX XXXX ) are screwing customers for no reason. These deceitful business practices should NOT be allowed to continue
Product: Credit card or prepaid card

I paid my XXXX XXXX XXXX bill through the Reliacard bill pay online on XX/XX/2020 in the amount of {$500.00}. According to Reliacards website It may take up to 2-5 business days for the payment to be applied by the Payee to your bill. On XX/XX/2020 XXXX XXXX still had not received the {$500.00} payment. I called XXXX XXXX CC to verify that they had not received the payment and was told no payment had been received or is currently pending. I then called Reliacards customer service ( XXXX ) at XXXX on XX/XX/2020 and was on hold for over 2 hours. The first person I spoke with was XXXX. I explained to her what was happening and she said she couldnt do anything to help so I asked her to connect me to someone who could. She connected me to a supposed supervisor named XXXX and he gave me several different reasons why the payment had not been received. First one was, the payment had not been processed yet and to give it a couple of more days. I told him Put a stop on that payment and credit my account back. He then said Nope, it has been processed and I should give it a couple more days. I explained to him what Relaicards  site said about 2-5 business days for the payment to be received. He then said to me I could cancel the payment online. I told him you can not cancel the payment on line after it has been processed. He told me to go to their site and he would walk me through. I went to the site and he told me to go to cancel payment button. I explained there is no cancel payment button and that the site says To Cancel a Scheduled payment, select Cancel. This was not a scheduled payment and the payment had already been processed. I believe he realized he was wrong and without saying anything, he hung up on me. 
This morning XX/XX/2020 I called back and waited over an hour. I spoke with XXXX and told her what happened on the last call and in a very rude voice she tells me According to our records you hung up on him. I wasnt going to argue and told her to put a stop on that payment and issue a refund to my account. She said ok, anything else? I said can I have a confirmation number for the canceled payment? She told me my CC ID was my confirmation number and hung up. 
Your help is this matter would be greatly appreciated. 
Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with inquiries I did not authorize please delete as they are affecting my life