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

Demand for Immediate Removal of Unauthorized Information XXXX Account # XXXX am writing to formally dispute the unauthorized sale and reporting of the XXXX account ( # XXXX ) on my Equifax credit report. The account is marked as Account Transferred Or Sold - Student Loan, which indicates a transfer or sale of my private information without my consent. This action is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and privacy laws. I demand the immediate removal of this account from my credit report and request an investigation into this unauthorized action. 

Issues Identified 1. Unauthorized Sale and Reporting : The account is reported as Account Transferred Or Sold - Student Loan on my Equifax credit report. This action was taken without my knowledge or consent, constituting a breach of privacy and a violation of my rights.

2. Breach of Privacy : The unauthorized transfer or sale of my account information without my explicit consent is a severe violation of my privacy rights. The disclosure of this sensitive information to third parties without authorization is unacceptable. 

Violations and Impact The unauthorized sale and reporting of the XXXX account without my consent violate the FCRA and privacy laws. The indication that my private information was sold or transferred without permission has caused significant concern and potential harm to my credit profile. Such unauthorized actions can lead to unauthorized access to personal and financial information, causing undue stress and potential identity theft risks. 

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The unauthorized sale and reporting of the account violate this standard.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Mandates that consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Requires that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies. 
6. Right to Privacy : The unauthorized transfer or sale of my account information without consent is a violation of my privacy rights, which includes the protection of sensitive information from unauthorized disclosure.
Product: Debt collection

I have been contacted multiple times by a company XXXX XXXX. I have tried to explain that I have contacted Check N Go, which is who the debt was originally from, and they dont have any records of me obtaining a payday loan. This is what I have tried to tell XXXX XXXX but they have said theyre just going to sue me, and my recent call they said theyve sent the paperwork to garnish my wages. I tried to tell the female at extension XXXX dont contact me anymore by phone, I will gladly give you my address so you can send me something by mail. She said that wont be necessary, we are in the process of filing paperwork to garnish your wages and hung up on me. I called them back at XXXX and I kept getting hung up on by multiple females. I finally got XXXX, XXXX to speak with me, I just said I need to speak with your supervisor. She said I had already spoke to him and that he wouldnt take another call from me because theyve already started the process to garnish my wages. I said I just want to tell XXXX of you that I dont want contacted by phone anymore and if they did I would contact the fair credit bureau, she said you dont need to tell us that just go ahead and do it.
Product: Credit card or prepaid card

I returned a metal drying rack to Walmart Order # XXXX today, the customer service representative was extremely uncooperative and wound up refunding the payment to a gift card instead of my Walmart credit card. I didn't want to stand there and argue with her as she was extremely uncooperative so I came home and called customer service. The representative said she could help me out and transferred me to a department that provides store locations, pharmacy locations, etc. They do nothing for my concern and I was apparently just transferred just to get rid of me. I'm tired of this vicious circle dealing with Walmart, I want this refund to go back to my credit card so I could close this credit card account.
Product: Credit reporting or other personal consumer reports

Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting mi ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is erroneously reporting late payments on my credit report I have not made a late payment, this has caused my credit score to drop XXXX points which is causing harm in my life.
Product: Mortgage

Per us bank response letter dated XXXX XXXX, 2015 mortgage account # XXXX The OCC consent order an enforcement action of XXXX XXXX, 2011 was issued under scope and discovery that said was a GHOST MORTGAGE LOAN ; by-law, per the XXXX XXXX county recorder office. It was discovered that there was no certified and filed re-estate document as a DEED OF TRUST, as assigning us bank NA the beneficiary and their assigned Trustee, and I, XXXX XXXX the Borrower. Because I never had an escrow ( loan ) close with us bank NA on my real estate property, as where a title company could have requested an order ( escrow ) number to be recorded and mailed to us bank a legal certified and filed DEED OF TRUST, per an original escrow file with said title company as holding the real estate loan packet signed and dated by me ( terms and condition of payments, Interest % rate etc. ) also us bank stated ; A foreclosure sale was held on XXXX XXXX, 2011 ( False statement ) The OCC investigation ; no legal record of the alleged Trustee sale certified and filed with the appropriate court nor county recorder 's office. under the OCC jurisdictional review, the check of {$34000.00} was in part reimbursement as in ERROR us bank collected monthly mortgage notes payments from me under this ghost mortgage loan account. per these new issues that the bank raised under this mortgage account number, us bank need to provide the title company that closed holding the original escrow closing file with a original real estate loan packet that is signed and dated by me, Giving the bank legal authority of security Interest in my real estate property, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX. 
Company Inquiries 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 BANK XXXX XXXX XXXX XXXX XXXX XXXXA
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove 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 Balance : {$9600.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXX Balance : {$12000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX They are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again.,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regards to a continuing issue with KIA Motor Finance that I have tried to work out a solution for 3 years. I have made several calls about this matter and providing emails to support my statements. I called XX/XX/XXXX to come pick up the car, that I had went into the United States XXXX, was having some issues with the car and could not afford to keep it. I was sent a form, faxed it back and they would call me with an appointment to come pick up the car. Never heard anything till a couple of weeks I called back again to make an appt. He said someone would come the following Wednesday between 2 and 4 and we verified. No show again. This goes on for about a month with no shows. Finally XXXX, XXXX we call and speak with XXXX XXXX XXXX resend him the form again ( email provided ). He is going to call us back and schedule an appt. NEVER hear from him again. XX/XX/XXXX my mother contacts XXXX again about picking up the car with no response. ( email provide ) I tried everything working with them with no prevail. I did not want the embarrassment of them coming into my mothers yard in the middle of the night and scaring her when we were willing to schedule an appointment and meet with them. Meanwhile she is paying insurance and taxes on the car. We also called the local KiA dealer and they would not take the car. Finally on XX/XX/XXXX my mother, which has my POA and is authorized on this account contacted KIA again about coming to pick up the car. Telling them that if they do not come pick it up she is charging {$20.00} per day. ( email provided ) As of today 's date that is {$7900.00} KiA owes. We have done all we know to get this matter resolved early on, this is penalizing me credit-wise. The information KIA is providing is inaccurate to all three bureaus. I have also provide inaccurate billing statement provided by Kia that are inconsistent with your credit reporting and KIAs previous response. ( email provided ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. After requesting conduct a proper investigation this company keep certifying incorrect incomplete and erroneous information
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section A. States I have a 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. Code 1692c 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 Several inaccuracies in reporting as per FRCA guidelines XXXXXXXX XXXX : Acct # XXXX
Product: Credit reporting or other personal consumer reports

i reviewed my consumer reports and noticed that i had one late payment on the account that i was never 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 the maximum accuracy. i have never been late on payments for the account that i have included screenshot inside this complain in on dates of ( mm/yr ) please investigate and provide proof with statement 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 see screenshot as attached
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry details XXXXN XX/XX/XXXX CITIZENS BANK XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.These account are inaccurate, false, and i require them to be remove within the next 5 business days. XXXX, XXXX, Experian has not reciprocated any compassion with reporting this on my consumer account. NO COMPANY has received written consent from me to report this onto my consumer report now they reporting anything, even things that don't belong to me this is illegal. Not only is this identity theft that i have been working tirelessly to fix. This is identity theft. These are not my accounts. Please see my official filing with the governement for identity theft.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act This creditor XXXX XXXX XXXX XXXX ending in XXXX has violated my rights under 15usc.1681 section XXXX states I have the right to privacy under 15usc.1681section 604A section XXXX it also states a consumer reporting agency can not Furnish an account without my written instructions. Under 15usc1666b A creditor may not treat A payment on the credit card account Under an open consumer credit plan as late for any purpose. Paid as agreed XXXX. 
Exclusions.-Except as provided in paragraph, the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Debt collection

I am currently a XXXX  veteran serving my country in XXXX. I became aware of a debt LVNV XXXX # XXXX for {$12000.00} that is not my debt. I sent in a dispute to XXXX and XXXX and they sent a letter in return saying this account is verified. I asked the company to send me proof of debt and they did not. according to 15 USC 1681B. the credit bureaus are to report accurate information. in this case they did not. this has caused irreparable damages to my military career and this false negative collection. accounts must be removed asap for shame investigations by XXXX XXXX and transition. remover the following collections from my credit profile now XXXX acct # XXXX {$3500.00} LVNV acct # XXXX {$12000.00} LVNV XXXX {$10000.00} remove this items now so my credit profile can report accurate information according to the fcra. 
The CFPB found XXXX violated the FCRAs requirements for investigating and processing consumer disputes and assuring maximum possible accuracy of information on its consumer reports. The CFPB also found that XXXX violated the law by using ineffective systems and flawed processes, and excessively deferring to furnishers to address disputes. Specifically, the CFPB found XXXX harmed consumers by : Failing to thoroughly investigate consumer disputes : XXXX process for submitting disputes limits the ability of consumers to fully and accurately describe their disputes. In many cases, XXXX also failed to consider relevant information submitted by consumers, sometimes not looking at the information at all. Then, after XXXX forwarded information about a dispute to a furnisher, it did not meaningfully consider whether the furnishers response made sense, sometimes ignoring information it had that contradicted the furnishers response. Finally, the resulting letters XXXX sent to consumers sometimes contained confusing or contradictory statements, such as both this has been verified as accurate and this item has been deleted. 
Putting previously deleted errors back on credit reports and failing to block identity- theft related information : XXXX XXXX not have systems to detect information that was previously removed and block that information from again appearing on the consumers credit report. In addition, XXXX also had no process to identify situations where a consumer is forced to send another dispute about the same inaccurate information because XXXX failed to correct the information the first time, or because XXXX reported information that had previously been corrected. XXXX policies limited consumers ability to dispute inaccurate information being put on their credit report. Finally, XXXX reported credit information that it should have blocked because the information resulted from identity theft. 
Sharing inaccurate credit scores and data about consumers with lenders : Coding errors in XXXX internal software caused the company to miscalculate and share inaccurate credit scores for several XXXX XXXX consumers. The company also reported the same credit accounts multiple times for more than XXXX consumers.
Product: Mortgage

I currently have SPS Servicing as my mortgage company. At the beginning of two years ago, my husband was diagnosed with a XXXX and has not worked in 4 years. I have applied several times for a modification due to my household income reduction. I was denied, so I continued to struggle and make payments. Later COVID-19 happened, I was only one month behind I did a forbearance for Covid relief. Before I agreed I asked would I be required to repay all at once and I was told no on a recorded line. After the 3 months was up they told me to submit and appliactaion for repayment plan. They denied the application saying the status of the loan??? I feel I have been wrongly and unfairly treated by this company. 

Please help!!
Product: Checking or savings account

I want the information regarding : XX/XX/year> {$21000.00} Customer Impersonation Claim : Denied - Evidence found of customer participation or transaction authorized XX/XX/year> {$3000.00} Customer Impersonation Claim : Denied - Evidence found of customer participation or transaction authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting the same account twice to the credit agencies. I only have One open credit card account with XXXX. The account was open XX/XX/2015, balance {$1000.00}. 

XXXX XXXX is not reporting my XXXX XXXX XXXX credit card to all three credit bureaus. Balance is {$500.00} XXXX is not reporting my XXXX XXXX  XXXX credit card to the credit bureaus. Balance is {$1500.00} XXXX XXXX XXXX is not reporting my XXXX XXXX Credit card to all credit bureaus. Balance is {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately a year ago my personal information was stolen from a supposedly secure data base of the Eqifax credit reporting agency. Apparently 90 % of clienteles information was stolen from hackers unknown. Because of this information in someone else 's hands they were able to take out loans which they didn't pay back, buy things from credit cards applied for in my name, and drop my credit score from good too poor in a matter of days. At that time I was in the final steps of purchasing a home when a final check of my current credit score revealed a much lower score then when the loan application was first started period because of Equifax giving all my information out to Crooks unknown I'm in financial ruin I lost buying a house and as a result am homeless and struggling to make ends meet. This is going on all because Equifax did not secure their clienteles data. They are totally at fault 4 so many troubled days and nights not only on my part but thousands of other people 's credit gone into the gutter. Something needs to be done and all victims compensated.
Product: Checking or savings account

Today I was in XXXX I had my BOA debit card and my XXXX card I put it in my sweatpants pocket and I lost them. I tried to XXXX my balance to my XXXX account and it didnt go through so it went and pulled the cash out of my BOA account with XXXX XXXX {$600.00} locked the card, called BOA WHERE I WAS ACCUSED OF FRAUD THEY LOCKED MY ENTIRE ACCOUNT AND INSIST THAT I GO I TO A BRANCH
Product: Debt collection

I received calls and a letter saying they purchased a debt from a credit card company and now I owe them this money. I have never signed or received a loan or contract from them before. I have asked for proof of my signature on the agreement or contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Transunion about the following incorrect information on my credit report. To this date, they have not responded. 


XXXX ( Account # : XXXX, Date Opened : XXXX, XXXX : {$1700.00} ) was never late. Please correct/update this inaccurate information on my credit report. 
XXXX XXXX XXXXXXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00} ) was never late. Please correct this inaccurate information on my credit report. 
XXXX XXXX XXXXXXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$950.00} ) was never late. Please remove it from my credit report. 
XXXX XXXX ( Account # : XXXX, Date Opened : XXXX, High Credit : {$3000.00} ) is not mine. Please remove it from my credit report. 
XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$15000.00} ) is not mine. Please remove it from my credit report. 
XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} ) is not mine. Please remove it from my credit report. 
XXXX XXXX  Bankruptcy : Bankruptcy ( Reference Number XXXX, Date Filed XXXX XXXX, XXXX ) is not mine. Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company will not update my account for XXXX XXXX the credit report is to supposed to say paid account and have a XXXX balance l.I do n't have a balance with XXXX XXXX I paid account off and the status supposed to reflect the changes