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

In XXXX of 2019, I received a notification through my credit monitoring service that XXXX XXXX XXXX reported 30 and 60-day late payments to the 3 major credit bureaus. I have since disputed this erroneous information and sent a debt verification letter to Equifax requesting that they verify this debt, since I never opened an account with XXXX XXXX XXXX. I asked for very detailed and specific information, under the rights afforded to me through the Fair Credit Reporting Act. I was then sent a letter back saying that the information was verified, but did not state how. After sending a method of verification letter to Equifax, I received a notification back saying that the information has been modified and that there was a request made to the reporting company to verify the accuracy of the information disputed ; however, code 609 of the FCRA outlines the responsibilities of the credit bureaus as follows : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer ( Page 36 ).

609 ( c ) ( 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section ( Page 39 ) 609 ( c ) ( 2 ) ( E ), a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 605 or can not be verified. 

These codes clearly state that the information used to verify information in my credit report should be in the files of the credit bureau, not the creditor, and any information that can not be verified should be REMOVED. Since Equifax has been negligent and dismissive in their handling of my dispute, I am requesting a full deletion of XXXX XXXX XXXX collection from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602. A states i have a right to privacy.

15 U.S.C 1681 section 604. A section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

This debt is subject to the Hospital Fair Pricing Act and request has been made for the same. Collection efforts thus violate XXXX Health and Safety Code Section XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) In general Subject to subsection XXXX c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 


I, never gave any XXXX party any written consent to report anything on my consumer report. No contract is identity theft. 

Concerning all accounts as a consumer I am demanding a deletion of these accounts. 


Under XXXX XXXX XXXX XXXX. Multiple debts ; If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector XXXX not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is showing late. I requested a deferred payment on this account. The deferred payment history is showing late but I was greement the defer payment. I Am requesting the someone investigate this information thoroughly. If the deferred payment was green it there should not be a late payment all my account. I am requesting that this information be removed from my credit report. All 3 career reports is reflect in something different.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  US DEPARTMENT OF EDU # 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
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act ( FCRA ), as delineated in 15 USC 1681 section 602 ( a ), it is emphasized that consumer reporting agencies must execute their significant responsibilities with fairness, impartiality, and a profound respect for the consumer 's privacy rights. XXXX, XXXX, XXXX XXXX XXXX, and Experian, being consumer reporting agencies, hold this obligation. As a federally protected consumer, I have the right to safeguard my private information, as reinforced by 15 USC 6801, which underscores the Congressional policy of ensuring financial institutions respect customer privacy and safeguard nonpublic personal information.

Furthermore, entities providing information to credit agencies, categorized as financial institutions under this statute, are bound by 15 USC 1681 section 604 ( a ) ( 2 ), requiring consumer reporting agencies to furnish consumer reports solely in accordance with the written instructions of the concerned consumer. XXXX, Experian, XXXX, XXXX XXXX XXXX, and the financial institution furnishing information to credit agencies lack my consent to furnish this information, let alone my written consent and violate their own terms and conditions by sharing information with nonaffiliate. Consequently, any and all consent, whether verbal, non-verbal, written, or implied, to XXXX, Experian, XXXX, XXXX XXXX XXXX, and the aforementioned financial institution is hereby revoked. 

Moreover, 15 USC 6802 ( b ) ( c ) mandates that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to exercise the nondisclosure option. Regrettably, I have not been informed of this right by the financial institution furnishing information to credit agencies. Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in consumer reports without authorization. Despite this, the account in question is being reported without my permission, contravening the law. 

Further, 15 U.S. Code 1681s2 ( A ) ( 1 ) dictates that no person shall furnish inaccurate information relating to a consumer to any consumer reporting agency. XXXX, XXXX XXXX XXXX, XXXX, and Experian, therefore, are failing to maintain reasonable procedures to avoid violations of this statute, as required by 15 U.S. Code 1681e.

Finally, pursuant to 12 CFR 1016.7, I am exercising my right to opt out of your reporting services effective immediately.
Product: Debt collection

XXXX XXXX posted a charge off of {$480.00} on my credit report and this is not my account on XX/XX/2018.
Product: Debt collection

I had an account with XXXX for a small balance and a set interest rate. Without any notice, or opportunity to pay the balance, I was told XXXX would be shut down. I was unable to access my account etc. then, I got an email from SST, but their email was alorica email address and they indicated that they were transferred my loan and I needed to pay before they report to the credit companies that I am late on payment on XX/XX/year>. The website they provided to set up an account was not working, so I called. I was told that multiple people had trouble accessing the website and that I could give my bank details via phone. I told the worker I did not feel comfortable doing so on XX/XX/year>, and I refuse to pay and give my personal information when he is unable to provide a website and I can see details of this supposedly high balance. I continue to get emails asking me for an amount of {$85.00} but there are no other balance details provided, and the website still does not work.
Product: Credit card

I have attached documents for your review. I request the bureau to commence an investigation into these accounts, as they inaccurately depict me as late despite my consistent punctuality.
Product: Credit card or prepaid card

Bank of America performed a hard credit inquiry and then sent me a credit card without my consent. This negatively affected my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX. 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 Equifax and XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX.
Product: Debt collection

I recently paid on a bad debt charge I had with XXXX XXXX. I made an online payment of {$200.00} with Aldous & Assosiates. Later on in the week I went to XXXX and learned I was never suppose to be in collections in the 1st place. It was an error on there part. I called Aldous and Associates explaining to them what happened and they stated I needed a letter from XXXX saying I did not owe anything so I can get a refund of the {$200.00}. I paid. I have done everything Aldous and Associates has asked me to do. It 's going on 3 weeks and I have not received my refund. I have called several times and every time I call I am getting a different date on when my money will be deposited. I was speaking to a " supervisor '' XXXX XXXX he had yelled at me, hung up on me, been rude and disrespectful and will not let me speak to anyone else in that office. All I am trying to do is get a refund of my money and this office along with its staff is making if nearly impossible. I have asked to speak to his supervisor or someone who runs that office and I either get hung up on, put on hold for over 20 min or he says he is the one in charge. This is crazy and completely ridiculous. What company can do this to people!! This company needs to be stopped! They can not treat people this way!!
Product: Vehicle loan or lease

XXXX Account Type Installment Loan Terms 36 Months Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid - Payment Status Details Paid, was a repossession Status Updated XX/XX/XXXX Ownership Individual Original Amount {$23000.00} -
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is currently reporting an incorrect account on my credit report. Equifax is reporting uplift account which is not reported on my other two credit reports because the account is incorrect. Equifax incorrect reporting is negatively affect my credit and is causing me undue financial XXXX. Made a previous complaint and Equifax closed the compliant on basis that they could not verify my information therefore I am submitting this compliant with my ID and any other verification they may need.
Product: Debt collection

I, as consumer, having first hand knowledge, beneficiary employing the Full Faith and Credit STATE OF FLORIDA non-citizen XXXX person as authorized representative extended credit to Gateway as assignee for a consumer credit transaction and permitted Gateway to obtain a consumer report without complete disclosure 31 CFR 1.32 ( c ). 
Gateway breached trust in infringing copyright in my property and furnished fraudulent reports in misrepresentation of finance charges and balances and using my personal information for profit without my authority as an ultra vires act via deceptive misdescriptions. 
No person shall publish, print, display or otherwise publicly use for purposes of trade or for any commercial or advertising purpose the name, portrait, photograph, or other likeness of any natural person without the express written or oral consent to such use given by : ( a ) Such person; or ( b ) Any other person, firm or corporation authorized in writing by such person to license the commercial use of her or his name or likeness. see Florida Statute 540.08. 

GATEWAY refuses produce evidence of consent or by what authority requires disclosure without consumer consent. see 31 CFR 1.32 ( c ). 

Identity theft means a fraud committed using the identifying information of another person without authority. 12 CFR 1022.3 ( h ). 

Gateway has made false statements alleging ultra vires claim to publish, print, display or otherwise publicly use for purposes of trade or for any commercial or advertising purpose the name, portrait, photograph, or other likeness of any natural person. 

Gateway has refused to comply with my cease and desist demands. 

Gateway has been notified and continues to harass me with communications and refuses to respond to written disputes for disclosures in compliance for the Fair Credit Billing Act, Truth in Lending Act disclosures demanded that were withheld regarding the finance charge and the amount financed. 

Gateway refuses to disclose documentary material disclosing federal or respond to communications delivered in writing, proceeds held on behalf of obligor, fund approved and acquired on behalf of consumer. 

Gateways negligence has been very distressing and has put a strain on my personal life in dispute with Consumer reporting agencies. 

Gateway has threatened foreclosure alleging default as obscene language to disgrace the consumer despite demand for validation of debt compliance to Fair Debt Collection Practices Act. 

We anticipate Gateway will in good faith with clean hands address the claim brought forth.
Product: Credit card

On XX/XX/XXXX, I contacted American Express to let them know my financial situation had changed and I wanted to close the account and set up a 5 year plan with possibly no interest with automatic deductions from my account. At that time, the CSR told me that they could n't help me with that plan but to call in XX/XX/XXXX. I did, by this time I was 30 days late. I was told they could n't help me then and to call back in 2 weeks. I called in XX/XX/XXXX. I was now 60 days late. I was speaking to someone in a call center in another country where the English was horrible. I thought we had agreed to the 5 year plan at a very low interest rate with them deducting {$200.00} from my account. It was supposed to start in XX/XX/XXXX. I get a letter today from a collection agency that American Express has turned it over to them. I spoke to them and they claimed they could n't help me with a 5 year plan. I called American Express and they wo n't speak to me now. This is total abuse by a large credit card.
Product: Credit reporting or other personal consumer reports

I am good standing with them but it was turned into the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

am writing to dispute certain credit inquiries and accounts listed on my credit report, as l believe they were made fraudulently without my authorization. I have reason to believe that my personal information was compromised and used to make unauthorized credit inquiries. I am requesting that these inquiries be removed from my credit report as per 605B15 U.S.C. 1681c-2 states if a breach is present accounts will be removed in 4 days it tied to identity theft. In support of my claim, I have filed a report with the Federal Trade Commission ( FTC ) report number XXXX regarding the identity theft and fraudulent activities.my personal information was used fraudulently. The unauthorized credit accounts I am disputing are 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 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 XXXXThese inquiries and accounts were made without my knowledge or consent and should be removed from my credit file. As per the Fair Credit Reporting Act ( FCRA ), l am requesting that you investigate these disputed inquiries and remove them from credit reports
Product: Credit reporting or other personal consumer reports

For years now Experian hasn't reported my credit card account on my credit report. The credit account- XXXX that is reflecting is reporting the incorrect credit limit ( {$1000.00} ) as well as reporting closed. 

The correct account- XXXX is actively reporting the correct credit limit ( {$2500.00} ) on XXXX as well as XXXX but for some reason the account is not reporting on Experian at all.
Product: Checking or savings account

On or about XXXX XXXX, I received XXXX letter notification from Truist Bank about an account, one that I had never opened, had been over drafted. One being {$3000.00} and the other being {$4900.00}. I thought these letters were scam, as I do not bank with Truist, so I ignored them at first. 
Then on or about XXXX XXXX, I received another letter notification from Truist Bank about a different account I had, again one that I did not open, had been over drafted by {$800.00}. I thought this was a scam also, due to it having a different account number and the fact that I have never opened an account with Truist Bank. 
Then on XXXX of XXXX, I received XXXX letters from Truist Bank that the XXXX accounts had been blocked. 
Then on XXXX XXXX I received XXXX more letters stating that the accounts had been closed. After all these letters, I got the phone number for Truist Bank from their website and called them. The lady I talked to asked for my Social, due to me not having a full account number as all the letters only had the last 4 digits. I gave her my social as I believed it was the number from the website, and the lady confirmed that I did have accounts but they had been closed. When I asked if their had been charges, she stated that I needed to contact XXXX  and gave me a number ( XXXX ). When I looked up the number it said it was a scam. Since the accounts were closed, I thought everything would be fine. Then on XXXX XXXX, I received a letter notification that the account was charged {$2500.00} and being sent to collections.
Product: Debt collection

I am submitting this complaint because I am being extremely affected by ENHANCED RECOVERY COMPANY , LLC, they are being completely unfair and I dont know how to get ahold of them. 

The creditor failed to close the account properly and kept on billing after account closure.

Credit failed to provide the action of adverse credit reporting. The Creditor made billing errors and was charging for a plan that I never agreed to. There were also unconscionable rate hikes without prior notice or agreement. The Creditor failed to process the auto payments that I had set up.
Product: Credit reporting or other personal consumer reports

My Personal Identifying information was used to obtain goods, services, or money without my knowledge or authorization. I did not obtain any goods, service, or money from transactions. Account : 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account : XXXX XXXX XXXX XXXX XXXX I believe this information is inaccurate, and I kindly request that you provide me with any supporting documentation or records used to verify these late payments as required under the Fair Credit Reporting Act ( FCRA ). Under FCRA, credit reporting agencies and creditors are obligated to ensure the accuracy of the information they report. I am exercising my rights under these laws to seek validation of the reported information. If you are unable to provide such documentation, I request that the erroneous information be promptly removed from my consumer report to avoid further damage to my credit standing. According to the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. The late payment information reported on the aforementioned accounts does not reflect my payment history accurately and violates this section of the law.
Product: Checking or savings account

I got a call on XX/XX/22 from a wells Fargo teller indicating that there was fraud on my account and that there was a withdrawal of {$500.00} dollars coming out. And that I needed to close my card so that they could issue me a new one. They initially had all my information and just asked me to verify my address. So stupidly I did, not thinking anything of it cause it was a Wells Fargo Teller. The next day on XX/XX/22 I noticed multiple large sums of withdrawals from my account. On XX/XX/22 they took {$1000.00} dollars, then another withdrawal for {$1800.00} dollars, then another withdrawal for {$500.00} dollars. From an ATM in XXXX XXXX XXXX XXXX. So once I notice the withdrawals I immediately contacted the Wells Fargo fraud department and filed another claim. Informing them of the fraud that had occurred the day prior. They informed me that they would investigate and that I would most likely get my funds back. I then went into the branch that same day and withdrew the remaining funds I had left over. I also told the teller about my situation, she said someone had changed my address in the system to an address based out of Florida and that's where they mailed my new debit card. So I called today XX/XX/22 to check the status of my claim and they denied it. I live in XXXX XXXX and these transactions were made in Florida, I was at work at the time this crime occurred. My next step is to go to the branch in person tomorrow XX/XX/22 and put in another complaint and threaten to sue them and then go to the news if I do not receive my stolen money.
Product: Credit reporting or other personal consumer reports

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

1 a charge off that is being reported should not have a past due balance there was never a 1099 sent for the debt being considered a loss as the debt collector has reported which means the company got paid for this loss, The dates across the credit system are not accurate and they should all be reporting the exact same information across the board. 
XXXX is re [ porting as paid as agreed but has it listed as a charge off XXXX is reporting this debt continously for each month and is against the law
Product: Debt collection

They are claiming I owe {$750.00}. I sent a letter on XXXX/XXXX/2017 to XXXX XXXX, XXXX. They then sent the account to another company and I requested validation of the debt with them as well and they have not provided it. They are giving me the run around and they are not verifying this unverifiable account. I have attached the letter I sent to both XXXX XXXX XXXX and the law office they sent the account to, SELIP & STYLIANOU , LLP. and they have not provided me with viable evidence.