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

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear REGIONSBANK, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Missouri state law concerning identity theft and consumer protection.

It has come to my attention that REGIONSBANK has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as stated in the FCRA, mandates that consumer consent is required for such reporting activities under Section 1681b ( a ) ( 2 ).

Additionally, under Missouri law, specifically 570.223 of the Missouri Revised Statutes, identity theft is strictly prohibited, including the unauthorized use or misuse of an individuals personal identifying information. The unauthorized access and reporting of my credit information without consent could be considered a violation of this statute, alongside the federal FCRA provisions. 

I assert with certainty that I have not provided consent for REGIONSBANK to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, resulting in potential damage to my creditworthiness and a disregard for both federal and state laws. 

I demand that REGIONSBANK immediately ceases any further reporting of information to my credit report without my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Missouri statutes, including 570.223 regarding identity theft. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including identity theft statutes. 

This is a formal demand for compliance with both federal and Missouri state laws, protecting consumers like myself from unauthorized and damaging credit reporting. I expect your immediate attention to this matter and anticipate that REGIONSBANK will promptly rectify these violations, respecting my rights under the law. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd attempt to rectify a serious error on the part of Experian National Consumers Assistance Center. I have been disputing an entry on my credit report listing a Bankruptcy Chapter XXXX- discharged on XX/XX/XXXX for over a year. 
As proven in the documents I am attaching, there is no way the bankruptcy is validated as the Bankruptcy Courts do not verify them ( see attached letter ), it is not listed on my XXXX XXXX XXXX ( XXXX ) report ( see attached  report ), nor is there a bankruptcy reported on my XXXX report ( see attached report ). To quote the reply by XXXX XXXX Senior Regulatory Affairs Associate from my 1st complaint ( see attached response to my 1st complaint ) Our records indicate that we have contacted the public record vendor to verify the accuracy of the information with which the consumer disagrees. The disputed bankruptcy information was verified as accurately reported and confirmation was mailed to the above-mentioned consumer for review. The only other way it could possibly be reported is through PACER. I have previously requested ( see letter dated XX/XX/XXXX ), and I WILL DO SO AGAIN NOW, Experian provide identifying info of the clerk they spoke to verifying the Bankruptcy as BK Rule 9037 states- " PERSONAL IDENTIFICATION DEFINED AS INDIVIDUALS SOCIAL SECURITY & TAXPAYER IDENTIFICATION NUMBERS, NAMES OF MINOR CHILDREN, LAST FOUR DIGITS OF FINANCIAL ACCOUNT NUMBERS, AND DATE OF BIRTH, BE REDACTED FROM DOCUMENTS FILED WITH THE COURT. '' Therefore obtaining verification through a subscription to PACER or any other agency is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires " you to notify the party who furnished the disputed information '', Experian would also be in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits " unfair or deceptive acts or practices '' by purposely reporting information that they have " assumed '' is verifiable based off circumstance.

Experian has failed numerous times to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. IN ADDITION, Experian has violated the FCR Act Section 623 ( a ) ( 3 ) & /or FDCP Act Section 807 ( 8 ) by not placing a notice of my dispute on my credit report w/in 30 days This is my last attempt for them to rectify this serious and inaccurate reporting error. .My next step will be small claims court where I will be seeking {$1000.00} per violation of 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Good morning, something need to be done, with Experian credit bureau I got a letter from XXXX XXXX XXXX that was breached and I was one of the people that some of my information was taken from XXXX XXXX XXXX. Experian would not let you talk to live people XXXX XXXX XXXX gave me a code that I needed I dont trust sites anymore and people because of this XXXX problem. I call. Experian number 10 times but the machine that they use this XXXX XXXX would not let me talk to a live person. Meanwhile, I need to get this monitor done which XXXX XXXX XXXX said they will pay free for a year. This should not be happening Experian is the only credit bureau that people can not talk to a live person and they blocked it that way, this XXXX XXXX and if people have identity, theft problem, they should be able to talk to a live person and get help from them. They should not be blocking where people can not talk to a live person and they wont this XXXX XXXX to do the work so they can eliminate people, but the XXXX  is not like talking to person dont understand the things you are saying because I kept saying fraud fraud fraud. I need to talk to a person and it still didnt understand a word I was saying stop because they want people and this peoples work like I said I called 10 times and I still dont have the credit monitoring that XXXX XXXX XXXX is offering because I cant get no help from. Nobody cant talk to a person this needs to stop. My credit is not being monitored because I cant talk to a live person at Experian.
Product: Credit reporting or other personal consumer reports

Subject : Request for Immediate Removal of Late Payments from Credit Report Pursuant to Consumer Law To Whom It May Concern, I am writing to request the immediate removal of late payments from my credit report in accordance with consumer law, specifically 15 U.S. Code 1666b, 15 U.S.C. 1681a ( 2 ) ( I ), and 15 U.S. Code 6802. Upon reviewing my credit report, I have identified late payments that are inaccurately reported and must be removed promptly to avoid further harm to my creditworthiness. 

I request the removal of the following late payments : 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 I assert that these late payments are inaccurately reported and violate my rights under consumer protection laws for the following reasons : 1. Violation of Consumer Law : Consumer protection laws, including 15 U.S. Code 1666b, safeguard consumers from unfair credit reporting practices. The reporting of inaccurate late payments on my credit report constitutes a violation of these laws.

2. Accuracy Requirement : According to 15 U.S.C. 1681a ( 2 ) ( I ), consumer reporting agencies are required to ensure the accuracy of the information they report. The inclusion of inaccurate late payments on my credit report fails to meet this requirement.

3. Privacy Protection : 15 U.S. Code 6802 aims to protect consumers ' privacy rights by ensuring the accuracy and confidentiality of their personal information. The reporting of inaccurate late payments compromises my privacy rights and must be rectified immediately.

I demand that you take immediate action to remove the inaccurate late payments from my credit report and provide me with written confirmation of their removal within [ specify a reasonable timeframe, e.g., 10 business days ] days of receipt of this letter.

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

In XXXX and XXXX of 2017 I had XXXX XXXX XXXX, and soon after that XXXX minor treatments, at the XXXX Georgia XXXX XXXX in XXXX. The total bill was close to {$12000.00}. I was given a verbal agreement of a 24 month interest-free promotion with Care Credit ( Synchrony Bank ). After paying the monthly installments for 12 months, I was assessed {$2600.00} in interest for the 16 months because I had not paid the balance off in 12 mos. I had initially been told that the promotion was for 24 mos. interest-free. 

I have made numerous calls to Ga XXXX XXXX, XXXX XXXX and Synchrony Bank with no resolution. Each time I have called the bank, I have spoken with a different representative who has expressed a different company policy. 

I have cashed in an IRA account to pay the balance off to further prevent the 26 % interest rate I am being charged. I would like the interest rate I have been charged for the las 16 months removed and credited to my account. I am a XXXX school teacher and receive a XXXX as income. I find this practice to be an example of predatory lending.
Product: Credit reporting or other personal consumer reports

I have been trying to work with Equifax and TransUnion for over 6 months trying to get them to correct the info and provide correct info but not doing and giving me the run around. I am a XXXX veteran with a VA loan and they do not have my information updated correctly showing I had missed payments even though confirmed by by mortgage company information was incorrect and no late payments over a year delaying my process of getting a home in my home town and not having correct balance even sent proof of payments by my mortgage company which they ignored and gave me a bs conclusion and not resolved
Product: Credit card

I never received the bills from Best Buy credit card, and therefore was not aware of the payment dates, once I was contacted by phone I learned of the issue and submitted payments immediately, and have paid the balance in full. However, the missed payments have placed a bad mark on my credit report, and as I am a young father of XXXX children who is preparing to purchase a home that is dramatically impacting my life. Please remove these bad marks from my record as I never received the bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing 2 separate accounts on my credit report since XX/XX/21. Since the initial letter that I sent on XX/XX/21, I have sent 3 more letters on 3 separate occasions requesting a real investigation be completed into these accounts. The second letter was sent on XX/XX/21, the third letter on XX/XX/21 and the forth letter on XX/XX/21. I have yet to received a substantial response about these accounts. My last letter I sent on XX/XX/21, I requested the method of verification for these accounts and have not been provided that information which is a violation of my rights with the FCRA. I feel like my request are being ignored. There are clearly errors regarding both accounts if anyone really took the time to do a real investigation. I have the right to complete and accurate credit report. And it is worth mentioning that I was affected by the XXXX Data Breach which is all the more reason that my credit report be completely accurate.
Product: Debt collection

I previously submitted a complaint with cfbd about regional acceptance reporting wrong information which is considered fraud. I received a response from regional acceptance with documents that support my complaint. I sent a debt validation letter to this company I received a balance statement. No where in the statement is the amount thats being reported. I asked for my debt to be VALIDATED not VERIFIED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my report and noticed 17 Credit transactions and accounts being reported inaccurately. i called the company ( Early Warning ) XX/XX/2021 and asked them to correct the inaccuracies. They refused to do so at that point i asked them to exclude my name completely from their List as my right per FCRA Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681B Subsection E. I wrote them a letter to notify my Election of Exclusion 10/18/2021 and they have yet to Respond.
Product: Debt collection

According to my credit report on XXXX, based on my XXXX credit report, I opened an account on XX/XX/2018 with this creditor. I am quite certain I did NOT open an account. Aside from that, this creditor known as SALLIE MAE has placed my account in collections. Their action has negatively affected my credit report/score with Derogatory Marks. They are stating that my account has been sent to collections, however, I was never notified about this account and never received a bill. I'd like to address this IMMEDIATELY and get this negative remark removed from my report.
Product: Checking or savings account

I made a deposit for a {$15000.00} check from XXXX XXXX XXXX on XX/XX/XXXX. Chase bank tried calling XXXX XXXX to try and release the funds sooner but XXXX XXXX would not give them information to release it. I can not understand why it takes XXXX  DAYS to release a check? My money is floating and not getting paid interest and it feels wrong. XXXX a bank make AT LEAST the first {$220.00} from the deposit availablefor either cash withdrawal or check writing purposesat the start of the next business day after the banking day that the deposit is made. And shouldnt the rest of the deposit be available on the second business day? XXXX  days is outrageous with the technology that we have in todays world. This feels very shady and very illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/24 at XXXX I used cash App to pay someone {$400.00}. The recipient did not receive payment. I contacted Cash App customer service XX/XX/24. The agent I spoke with, XXXX, asked me if I had business with anyone in Pennsylvania, Sourh Carolina, and or California. He told me that my account was put on hold. We were then disconnected. He called me back and asked me to access a few different apps ( XXXXXXXX XXXX  and others ) Nothing was figured out and once again disconnected. 
I called back several times and got a very rude agent! After several disconnects I gave up as I was working and had already spent XXXX on the phone with CS. 

I spoke with the recipient of the {$400.00} I sent the money to. She also contacted Cash App CS. The agent she spoje with wanted her to send a picture of her passport, or green card to verify her identity. She refused. 
Any help, suggestions, etc that you may be able to provide me would be greatly appreciated. 
Thank you for your time.
Product: Mortgage

I was in a trial period for XXXX XXXX, XXXX XXXX and XXXX XXXX. I made XXXX payment of XXXX, they accepted it. I then called my XXXX payment in on XXXX XXXX, XXXX via my savings account to keep it separate from my daily spending money. I worked everyday including holidays from XXXX XXXX XXXX XXXX XXXX, XXXX. On the XXXX of XXXX I was reconciling paperwork and checked my bank. I found that freedom Mortgage had not taken my payment. I called Freedom Mortgage and they were closed. I called my bank to see what happened. The explained that my savings was a non-transaction account. I tried to call Freedom again, they do not even have a phone prompt for you to leave a message. So I transferred all the money over to my checking. First thing Monday morning ( XXXX XXXX XXXX ) I called Freedom to ask fix the situation. The girl I spoke with saw that their notes showed it was a non-transaction account but they had sent my account to be denied. Well my attorney, called and spoke to a representative on XXXX XXXX, XXXX and they agreed to continue my trial period because Freedom Mortgage never tried to contact me after knowing that the payment was trying to be drafted from a non-transaction account. About a week later I received a letter from Freedom stating that they were terminating the trial. If they had followed through with their promise to accept the payment as the XX/XX/XXXX payment I would have made the XX/XX/XXXX payment and been in my loan modification already. Instead I had to pay and addition {$2000.00} to my attorney 's to reapply and then in the middle of COVID-19 they decided to deny the loan modification request. With the denial, they drafted the letter on XX/XX/XXXX. My attorney spoke with them on XX/XX/XXXX and they stated they were waiting on the title report. Their post mark on the envelope is XX/XX/XXXX. I would assume that by then they would have been able to inform my attorney about the denial. On XX/XX/XXXX the USPS post mark was done. On XX/XX/XXXX I received the denial letter stating that I had until XX/XX/XXXX to appeal. They left 6 days out of 14 to appeal. My attorney called on XX/XX/XXXX, this is when he found out about the denial. Freedom never reached out to the attorney, and did not have the information " in the system '' when my attorney called. They held the letter for 3 days before it left them. I feel they deliberately held this information back so I did not have time to respond.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had one late payment on an XXXX XXXX XXXX  XXXX that I was late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that I have included screenshot inside this complaint in on dates of ( XX/XX/2022 ). Please investigate and provide proof with statements showing that these payments showing that these payments were late. If proof can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks please look at screenshot attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit bureau has been notified that this account is not mine and may have been obtained fraudulently. The companies are XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete XXXX XXXX XXXX Date opened XX/XX/2014 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX XXXX XXXX whom is a collection agency for XXXX XXXX XXXX XXXX XXXX. I paid the balance in full. The representative advised me once paid in full XXXX XXXX XXXX and XXXX XXXX will remove the account from my credit report. XXXX XXXX XXXX refuses to update my balance to XXXX dollars owed on all 3 major credit bureaus or delete the account as promised. This is having a negative impact on my credit report.
Product: Credit reporting or other personal consumer reports

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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX - [ ] XXXX XX/XX/XXXX These inquiries were opened in my name without my consent. These are fraudulent accounts that were not open by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX NEGATIVE ACCOUNTS : - XXXX XXXX  XXXX Account # 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 an account without my written instructions.
Product: Mortgage

I took out a loan on XX/XX/XXXX, with a principal balance of {$310000.00} with XXXX XXXX XXXXXXXX dba XXXX. The previous servicer of the loan was XXXX XXXX XXXX XXXX. Caliber became the servicer of the loan on XX/XX/XXXX. A Chapter XXXX Bankruptcy ( Case Number XXXX ) was filed on JXX/XX/XXXX. additionally to an open appeal and oral hearing before the Bankruptcy Appellate Panel ( BAP ) ( Case Number XXXX ) where standing has been challenged. 

As a result of divorce in XXXX, and losing 50 % of my income, I became delinquent on the loan for $ XXXX, and they began foreclosure on XX/XX/XXXX ; however, foreclosure proceedings are moot and have been suspended pursuant to the active bankruptcy stay. 

I requested clarification of the balance of my loan and according to XXXX they owned it which was not legal and per XXXX could not be sold. Caliber claims that ownership of the loan has been transferred on multiple occasions but has failed to provide any evidence to that effect. They claim that the loans investor is XXXX XXXX XXXX XXXX, ( a Statutory Trust created in Delaware ),  and that XXXX XXXX XXXX, XXXX, is the trustee. I have contacted XXXX XXXX and they deny any involvement with my note. 

Caliber claims to be the loans servicer and I have filed varios modification requests which remain unanswered. They claim that a document filed by the Trustee reflects that as of XX/XX/XXXX, the bankruptcy trustee paid {$6300.00} to Caliber which is still unaccounted for in the recent payment history Caliber has sent me.

I therefore request that the CFPB get involved and audit this loan for fraud.