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

Date : XX/XX/XXXX To : EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute Regarding Unauthorized Disclosure of Financial Information Under 15 U.S. Code 6802 Dear Sir/Madam, I am writing to formally dispute the unauthorized disclosure and use of my personal financial information in violation of 15 U.S. Code 6802. I believe that my financial privacy has been compromised due to unauthorized access and sharing of my nonpublic personal information. 

Details of the Dispute : XXXX XXXX XXXX XXXX XXXX Balance {$2700.00} Date XX/XX/XXXX Nature of Unauthorized Disclosure : My personal financial information was shared with third parties without my explicit consent. 
Supporting Documentation : Identity Theft Report, Proof of Identity ( ID, Bill and SSN ) Fraudulent Inquiries XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX Legal Basis for the Dispute : Under 15 U.S. Code 6802, financial institutions are prohibited from disclosing nonpublic personal information to nonaffiliated third parties without first providing notice and an opportunity for the consumer to opt-out, except under certain circumstances. In this case, I did not receive the required notice, nor was I given an opportunity to opt out of such disclosures. 






Requested Action : I request that you immediately investigate this matter and take the following actions : Cease any further unauthorized disclosure of my personal financial information. 
Correct any records that have been improperly shared or disclosed. 
Provide me with a written statement confirming that these actions have been taken. 
Ensure that all my rights under 15 U.S. Code 6802 are fully respected moving forward. 
Please treat this dispute as urgent. I expect a written response within the time frame specified by law. 

Thank you for your prompt attention to this matter. 

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

To whom it may concern, Re : Urgent Request for CFPB Intervention Non-Compliance of Equifax with FCRA Mandated Timeframe I am writing to urgently request the Consumer Financial Protection Bureaus ( CFPB ) intervention regarding Equifaxs non-compliance with the Fair Credit Reporting Act ( FCRA ). My dispute, submitted on XX/XX/year>, was inadequately handled and responded to by Equifax on XX/XX/year>, significantly exceeding the 30-day investigation and response requirement stipulated by FCRA 611 ( a ) ( 1 ) ( A ).

Violations Identified : 1. FCRA 611 ( a ) ( 1 ) ( A ) : Equifax failed to investigate and respond within the required 30-day period, taking 38 days instead.

2. FCRA 623 ( a ) ( 1 ) ( A ) : Inaccurate reporting of the charge-off status for multiple months, misrepresenting the accounts status.

3. FCRA 611 ( a ) ( 5 ) ( A ) : Re-reporting previously disputed information without proper certification of its completeness and accuracy.

4. FCRA 611 ( a ) ( 5 ) ( B ) : Failure to mark the account as disputed as required by law. 

Immediate Actions Requested : Enforce the deletion of the XXXX XXXX  account ( Account Number : XXXX ) from my credit report and all other credit reporting agencies due to XXXX clear non-compliance with FCRA. 
Ensure Equifax is held accountable for violating FCRA regulations and my consumer rights. 
Award monetary relief and damages for the financial hardships and distress caused by XXXX erroneous reporting and failure to comply with FCRA regulations. 
Oversee the removal process and provide verification and proof of the accounts deletion to my email ( XXXX ). 
Adjust and correct my credit score post-removal to prevent any negative impact resulting from the duration the erroneous account was reported. 

Despite my multiple attempts to resolve these issues directly with Equifax, their ongoing violations of FCRA have left me with severe financial and emotional distress. It is imperative that the CFPB steps in to rectify these injustices and ensure that Equifax adheres to FCRA laws and regulations. 

Thank you for your prompt attention to this critical matter. 

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

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Equifax did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within XXXX  days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within XXXX  days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXXXXXX XXXX XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Product: Payday loan

On my credit file, a National Credit Adjusters collection account in the amount of {$950.00} appeared. Date reported was XXXX/XXXX/2015. I contacted the number listed on my credit file to inquire about the debt. A representative stated it was a payday loan account that was from XXXX. I stated to the representative that I had not done business with this company and this was not my account. I contact XXXX but they said they did not have an account in my name. The company is stating that I received a loan but I am disputing that I am the borrower. I am not the borrower.
Product: Student loan

An agent XXXX XXXX XXXX XXXX XXXX at edfinancial has harassed me by saying XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  while on the clock. 

As someone that has considered taking some classes and using student loans, this discourages me from furthering my education. 

It is not the job of someone who handles federal student loans to attack someone. This attack seems to be politically motivated on their behalf. As a protected class this is very discouraging and potentially discrimination against me.
Product: Mortgage

XX/XX/XXXX PNC mortgage called XXXX XXXX at XXXX XXXX XXXX XXXXXXXX XXXX, saying he miss the XX/XX/XXXX payment and XXXX XXXX had his receipt in his hand he told them the payment was made ... XXXX XXXX Rebbecca XXXX XXXX PNC mortgage XXXXXXXX said Mr XXXX has not made a payment for XX/XX/XXXX... And his daughter handles Mr XXXX XXXX said in XXXX of XXXX she made 2 payments and made 2 payment in the month of XX/XX/XXXX and Mr XXXX XXXX XXXX has his reciept .... So then we ask XXXX XXXX XXXX of PNC Why are they bothing an XXXX XXXX XXXX man about his payment and he has his reciepts stating each month they said he didn '' t pay ..Now we have papers or letters stating forecloser please help Mr XXXX XXXX solve this matter so the bank can '' t take his house My number is XXXX XXXX my name is XXXX XXXX XXXX XXXX daughter My email is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act, 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 XXXXXXXX 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.
Product: Credit reporting

According to my credit report I have XXXX closed as derogatory accounts and have missed payments which I have no knowledge of. I did n't open or close any of these accounts.
Product: Credit reporting or other personal consumer reports

My student loans were originally with XXXX XXXX. In XXXX I had a XXXX XXXX of XXXX. It dropped a little due to credit card usage from emergencies, but was still in the XXXX. When paying towards my XXXX XXXX, I had been paying anywhere from {$200.00} to {$300.00} per month and usually paid that in smaller increments every XXXX weeks. In XXXX of XXXX I checked my XXXX XXXX to see that it dropped down to the XXXX. The report showed that there were no payments on my XXXX XXXX. Nearly XXXX months went by and the report showed my payments and my score went back up, but it was in the mid XXXX instead of high. This has happened off and on for the last few years. 

XXXX took over my loans, which excited me because I was glad to be away from XXXX XXXX, however, the problem persisted. While my loans were being transferred, the credit report showed that they disappeared. It looked as though the loan was wiped out, which decreased my credit history. When the loans finally appeared on my report, my score did not go back up. It was recognized as a new loan. Please note, I had still been making payments this entire time. 

In XXXX, XXXX also failed to report my payments and my score tanked to the XXXX. It is now late XXXX of XXXX and just a year later, my score is barely back to XXXX. 

I also filed disputes with Credit Bureaus to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by XXXX XXXX XXXX, or the two agencies copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts yesterday again, and placed a security freeze to my credit file. Amazing inconsistencies against reality about an inquiry for a secured loan, when I do not own personal cars to secure anything. Using my mothers maiden last name for an inquiry instead of my last name, or even both ( one followed by the other ).
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXXXXXX XXXX. {$3200.00}. XXXX XXXX  bal. {$0.00}.
Product: Credit card or prepaid card

on XX/XX/2018, Chase sent me a notice that they decide to close my CSR account. I'm fairly new to the credit business but I know that closing my card with negatively affect my credit, I recently got married about a year ago, me and my family are just trying to build our credit so that we can achieve our financial goals. My wife and I are both hard working individuals with stable income. My credit utilization rate is 10 % and I use all my cards in a normal way. I respectfully ask that my card be reopen and I will stop whatever I'm supposedly doing that I shouldn't be doing.
Product: Credit reporting or other personal consumer reports

There are two innaccurate XXXX XXXX accounts on my credit reports. And I am requesting a full investigation in to the stated accounts. 

XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX
Product: Checking or savings account

I needed a new bank account for myself as a US citizen but I keep getting denied approval from some banks. I cant say if it is discrimination or there is something from about me applying for an online checking account.
Product: Debt collection

I am currently in dispute with this company of the validity of this debt. See CFPB complaint XXXX. Before this complaint I received a letter from the company requesting that I would give them 30 days to investigate the validity of the debt. This date started on XXXX XX/XX/2023. Before this request and during I have received bills from the company demanding payment. Most of the bills are dated before Lakeview request so I have ignored them. On Friday XXXX XXXX XXXX and dated XXXX XXXX XXXX I received a bill demanded payment along with Lakeview threatening to affect my credit and possibly seize my home. According to 15 US 1692 g Lakeview must cease all attempts to collect on the debt and can not negatively affect my credit unless the debt is validated. According to the bills by the company ( if the debt was valid ) my first payment would have been on XX/XX/2023, making a threat to seize my home very threatening. An addition in my letter requiring validation I notified Lakeview to cease all contact with me or anyone in my family.
Product: Credit card

There is this woman that calls all night and all day from Capital One. It sounds like a recorded message. She blocks her calls but I was able to find a weird address XXXX She calls at all hours, Once, I tried to pick up the phone but no one is there
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. i feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

There is an item listed on my credit file which is unknown to me for {$6100.00} I have disputed and requested validation several times with nothing ever confirmed. Please help assist
Product: Debt collection

This item collections account at HUNTER WARFIELD for the amount of {$4.00} is inaccurate because the debt assigned was improperly sent to collections under my name ( on XX/XX/year> ) and does not belong to myself. The debt was sold to the HUNTER WARFIELD collections agency by XXXX XXXX XXXX without legal notice and/ or verification of debt to myself. I have requested verification of the debt from the collections agency several times and am always sent a bill as a reply. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt I am accused of owing. I have requested verification of the dead on several occasions, both by phone and via mail.
Product: Debt collection

On XX/XX/2020 I wrote FirstPoint Coll Resources INC or at least attempted to via mail. Unfortunately, the letter was returned to me. This address was listed as their contact information on my credit report. According to the FCRA companies furnishing data are ONLY to report accurate information. This is a clear violation of FCRA section 623 and now I demand the deletion of this account from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA Date Opened : DATE XX/XX/2020 I don't have contractual relationship with this company. I don't recognize this Collection. Please provide me the name and address of the original creditor.. Account Number XXXX Please correct and update it from my credit report. It is completely a violation in accordance with the FCRA that sates : the ACCOUNT MUST BE COMPLETE, ACCURATE AND VERIFIABLE. Please remove it from my credit
Product: Debt collection

I 've disputed a collection fro m Enhanced Recovery Company over a year ago, and it was successfully removed from my credit history. The company has recently refiled the collection, with an inaccurate date (  XXXX  2017 ) after it has been  absent from my profile for almost a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitting a new complaint with Transunion. On XX/XX/2023, I requested the investigation of the inaccurate information in my report regarding ( XXXX XXXX XXXX XXXX ). Within 10-15 days Transunion responded stating that it was verified through the XXXX  court. However, they did not supply the requested information as requested for review. 

I have the right to receive the proper documents according to the FCRA on who they spoke with, and the documentation used to verify. 

Its puzzling to me that they are reporting Verified, but I contacted the court system and XXXX XXXX who reported that they do not communicate with credit agencies, and XXXX XXXX reported that the information was inaccurate and deleted the information from the file. 

I have letters from both companies on letterhead. 

So, please provide detailed information on how something that doesnt exist is verified. I NEED ACTUAL PAPERWORK FOR REVIEW, NOT GENERIC RESPONSES.
Product: Debt collection

I received a collection notice from Credit Management , LP XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX for {$510.00} XXXX. 

I have never had their services the cable services I have had for the last 15 year has been in my husbands name not mind and we transferred our services to my new address. I dont know how they have my address for this it has to be a fraud, scam or the wrong person. XXXX XXXX XXXX has lost a lot of business I have seen on the news now there creating fake accounts with peoples information. 

Some one at this company is doing fraudulent activity getting people information.
Product: Debt collection

On XX/XX/2018 I was contacted via my personal cell phone by a woman from XXXX who identified herself as being with XXXX XXXX. She left me a voice mail to call her on a different number XXXX ext XXXX about an urgent matter and that I needed to call her by XXXX. 

I have no open accounts with any creditor other than a mortgage. I decided to call this number back from a different phone on XX/XX/18. I was pressed by the agent on the other line to give my phone # that I was called on and when I refused they asked for my social security number. I gave neither items. The first lady I spoke with gave me a PO Box with a zip code of XXXX. When I pressed her for a physical address so that I can come to their location and speak to a manager they transferred me to a XXXX XXXX. He also pressed me for my social security number and refused to provide nothing other than a PO box address. XXXX XXXX XXXX XXXX OH XXXX. The first lady may have transposed a number but it seems odd that an employee would do that. 

This may be a completely legitimate company but their collection and contacting practices are aggressive and predatory. When googling the name of the company this appears to be a legitimate bank but their communication tactics are questionable. 

I attached the voice mail left on my cellphone.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information : Also Known As : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Former : XXXX XXXX XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX Collection/Charge Off : XXXX XXXX XXXX XX/XX/XXXX {$1700.00} Late Payment : XXXX XXXX XXXX XX/XX/XXXX {$510.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED XXXX XXXX ' THERE ARE MULTIPLE UN AUTHORIZED INQUIRIES THERE ARE LATE PAYMENTS THAT NEVER HAPPENED THERE ARE COLLECTION ACCOUNTS THAT ARE NOT MINE THERE IS A CHAPTER XXXX THAT IS NOT MINE I HAVE ATTACHED A LETTER WITH EVERY DETAILED EXPLANATION OF THE ITEMS TO BE FACTUALLY CHALLENGED AND CORRECTED