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

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The file is attached with all information needed. Please remove this from my credit report. This is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, TX, XXXX payment never late fcra violatons : XXXX XXXX {$12000.00} Closed 1 late payment XXXX XXXX XXXX {$3000.00} Closed 2 late payments XXXX XXXX {$12000.00} Closed 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving account Balance on XX/XX/XXXX Credit Limit {$12000.00} {$15000.00}
Product: Credit reporting or other personal consumer reports

I would like to address the crucial regulations safeguarding consumers under the Fair Credit Reporting Act ( FCRA ). These regulations ensure equitable treatment, privacy protection, and accuracy of credit information. Section 602 ( a ) of the FCRA mandates that entities collecting and reporting consumer information must adhere to principles of fairness, neutrality, and privacy, encompassing well-known entities like XXXX, XXXX, and Experian. As an individual subject to their data collection, I retain the right to safeguard my privacy. Furthermore, Section 6801 reinforces Congress 's intent for financial institutions supplying data to credit agencies to uphold the security of personal information.

The FCRA also outlines the necessity for written consent prior to the dissemination of consumer information by credit agencies, as delineated in Section 604 ( a ) ( 2 ). However, I have not provided written consent to XXXX, XXXX, or Experian, contravening this requirement. Moreover, Section 6802 ( b ) ( c ) stipulates that financial institutions must inform consumers of their right to opt out of information sharing, a requirement that has not been fulfilled in my case. 

XXXX, XXXX, and Experian have reported adverse information about me without obtaining my consent, a violation of Section 1681C ( a ) ( 5 ) of the FCRA. Additionally, Section 1681s2 ( A ) ( 1 ) prohibits the dissemination of knowingly inaccurate information, which appears to have occurred in this instance.

Furthermore, the FCRA mandates that these entities establish robust procedures to ensure compliance with the law, as outlined in Section 1681e. Unfortunately, it appears that XXXX, XXXX, and Experian have failed to implement adequate measures, resulting in inaccurate information being included in my credit report. 

Consequently, I am formally requesting that they cease sharing my information, as permitted by 12 CFR 1016.7. Additionally, I demand the immediate removal of all erroneous entries from my credit report. Failure to adhere to these requests may warrant legal action for willful non-compliance with FCRA regulations. 

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 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

The Fair Credit Reporting Act 15 USC 1681 Section 602 ( a ) states, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX XXXX, and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to ensure my private information isn't shared and is backed by 15 USC 6801, which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) Section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, the financial institution, and the Consumer Reporting Agencies Equifax, XXXX XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX XXXX, XXXX, and XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' These accounts are adverse items being reported, again, without my permission, violating the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of these reporting services. 

Any and all disclosure of private information and reporting of transaction history is illegal and a violation of the FCRA, the Privacy Act of 1974 and the above federal laws.
Product: Mortgage

In XXXX of XXXX I applied for mortgage assistance due to being laid off from my employer, Fairway in XX/XX/XXXX and again XX/XX/XXXX. I was granted a forbearance, XX/XX/XXXX suspending my mortgage payments. In XX/XX/XXXX I secured employment and contacted my mortgage company immediately to discuss my options going forward, which a loan modification appeared to be the best solution. After numerous conversations with Fairway Loss Mitigation department, begging to stop the forbearance as I was now employed, I continually have gotten the runaround. 

Finally in XXXX XXXX, I was notified ( XXXX months later ) that I was approved for a modification and would begin my trial period XX/XX/XXXX for 3 months which I have completed. I continually ask what the next steps are and can never get a straight answer. I have been harassed throughout this process with numerous phone calls and emails for months with no resolution, no update just comments they are required to contact me. 

I feel that I am being discriminated against for being a single, white, older female and harassed for being a former Fairway employee. I have requested a complete breakdown for my current unpaid mortgage balance and current monthly mortgage payment and to date have received nothing At this point I am looking for a resolution and what to know where I stand to stop the harassment.

I have additional details, phone logs, emails to support the above should they be required.
Product: Credit card or prepaid card

On XX/XX/2016 I contacted XXXX from Chase 's XXXX, FL call center concerning an unauthorized late fee on my XXXX XXXX consumer credit card. XXXX was not willing to remove an unauthorized and undeserved late charge on my XXXX XXXX Credit Card. I made my normal monthly payment which is 400 % of the minimum due, and to my surprise and disgust Chase charged me a {$27.00} late fee. XXXX was rude, unprofessional and couldn't fully explain her position on behalf of Chase. This is unacceptable. I recommend looking at the overarching consumer credit policy compliance at Chase. Unsatisfactory and unacceptable for the American consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance {$13000.00} XXXX XXXX XXXX XXXX Balance {$19000.00} XXXX XXXX XXXX Balance {$0.00} XXXX  Inquired on XX/XX/ XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Debt collection

On XX/XX/2023 a server arrived at the home address to serve paperwork. Another adult at the house accepted the paperwork while I was on the phone with him. The summons stated that " On XX/XX/2023 at XXXX in the XXXX XXXX XXXX, XXXX XXXX, Colorado, if an answer is not filed, the Court may be asked to enter judgment against you as set for in the Complaint. '' On XX/XX/XXXX, I signed up with XXXX and created a " Motion to compel arbitration and stay proceedings '' As it is a requirement of Midland Credit Management , Inc . Terms and Conditions before any court proceedings. 

On XX/XX/XXXX, I went to XXXX and mailed out a certified letter to be signed by the attorneys who created the paperwork that was served to the address and later given to me. I then went to the XXXX XXXX XXXX who stated Midland Credit Management did not file anything and couldn't take my motion since there was no court case and asked for me to return tomorrow. 

On XX/XX/XXXX, I went back to XXXX XXXX XXXX who stated again there was no case. Two county clerk admins looked for my information and went through active cases and summons and failed to find my information anywhere. They have provided and sealed such paperwork stating there was no record. The motion that I have certified sent to them is being still delivered and don't know what that would mean on my end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get these fraudulent accounts off my credit for some time now. In XXXX I sent in a mail document to get these fraudelent account off but i still havent heard back. Its been well over 60 days now. I called the credit bureaus to figure out whats going on and they told me that there was an error on my FTC report that i needed to date the account. This doesnt make any sense to me at all. Also, I have a few unauthorized credit inquires on my credit profile. I did not authorized noone to check my credit report. I have never done business with this company. I have attached the updated FTC report along with my Drivers license
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ACT XXXX XXXX Account XXXX : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : 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 a account without my
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian credit Bureau XXXX XXXX XXXX XXXX TX XXXX Dispute of debt and request for validation Dear Experian, I am writting regarding your recent communication concerning an alleged debt. I disputing the validity of this debt under the fair debt collection practices act ( FDCPA ), 15 U.S.C. & 1692g, and i am requesting that you provide validation of the debt as required by law.

Please provide the following information : 1. the name of the original creditor 2.The amount of the debt, including a detailed breakdown of any fees, interest, or other charges.

3. verification that you are legally authorized to collect this debt.

4. Copies of any documents or agreements that demonstrate that i am legally obligated to pay this debt.

Additionally, I request that you cease all collection efforts, including phone calls, until this debt has been validated. Be advised that any further contact attempting to collect this debt with proper validation will be considered a violation of the FDCPA, and I reserved the right to file a formal complaint with the financial Protection Bureau ( CFPB ) and other relevant authorities.

Please respond to this request withing 30 days from this letter. 

Thank you for your attention to this matter. I look forward to your prompt response. 


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

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

XXXX XXXX XXXX
Product: Mortgage

I applied to refinance my home with Discover Home Loans on or about XXXX XXXX, 2015. Over the space of approximately one week I submitted electronically all requested documents to Discover as part of this application process. On XXXX XXXX I was notified that the loan was " conditionally approved ''. Upon returning from vacation on XXXX XXXX, 2015, I submitted additional requested documentation. On XXXX XXXX, I was notified that they were 'working on a couple more things '' before final loan approval. On XXXX XXXX, I received another email with the same remark. On XXXX XXXX, I requested and update on the status. On XXXX XXXX I was notified that I needed to submit a new disclosure document. I noticed that this document resulted in a significant increase in my closing costs and contacted via email Discover loans regarding this matter on XXXX XXXX. At this point I lost total confidence in Discover Loans and requested a refund on my home appraisal. Discover Loans has not complied with my request.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX XXXX XXXX conducted a hard inquiry on my credit report without prior authorization. The reason provided on the report was " credit transaction under permissible purpose. '' However, there was no legitimate purpose for this inquiry, as I was not contacted or consulted for permission. According to state regulations, soft inquiries are permitted for certain verifications, but this instance constitutes a hard inquiry performed without my consent. There was no credit transaction that occurred. 

As a loyal customer of XXXX XXXX for approximately XXXX to 4 years, I am concerned about the sudden and unauthorized hard inquiry. This action is particularly concerning as I am actively working to improve my credit standing. 

I kindly request an explanation for this unauthorized hard inquiry and assurance that appropriate measures will be taken to prevent such occurrences in the future. I value our business relationship and hope that we can resolve this matter promptly.
Product: Debt collection

This amount came from equipment they said I did not return when in fact I did.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first complaint that I ever sent, but I can't express my fillings about how Credit Bureaus neglected my rights as a consumer and violated the law. I have sent to Credit Bureau agency disputing letter regarding accounts on my report that MUST BE REMOVED. 
My first letter was mailed on XX/XX/2022 and every other 35 days, All my mail was sent with certified receipts and return card. So I keep my records. 
In accordance with the Fair Credit Reporting act. The List of account XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX, - I'm providing these accounts number as they appeared on my credit report. 
15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( 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 crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate. 
It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.

The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports.

For your convenience am including with this complaint : copy of my driver license, copy of my SSN card, copy of proof of address, FTC report, I have also submitted FRAUD Report.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Hello, Hayt, Hayt, & Landau law firm and XXXX XXXX XXXX are the companies at fault. They called before XXXX XXXX local time on Monday, XX/XX/XXXX. In addition, they sued me without providing proper notification due to the fact that I moved to XXXX in XXXX from the state of XXXX. I received no notification of the proceedings. My bank account was then frozen on Friday, XX/XX/XXXX through the XXXX court system during a declared state of emergency in both XXXX  and XXXX. Upon figuring out what was going on, I attempted to call Hayt, Hayt, & Landau to resolve the issue and they informed me that they would send the accounts back to XXXX XXXX, but it could take 14 business days. Meanwhile, I am being forced to suffer with no funds available to me and no way to resolve the issue. 
Thank you for your time, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously tried to resolved this fraudulent account with this company I called this company and submit information for my dispute this company had numerous attempts. I will filing a complaint against this company and keeping a record of how this company is responding to my complaint and to show people of how this company treat there customers.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an inaccurate address on my Experian credit report 6 times with them. They still have not removed the address from my report and have not provided me with a reason why or proof that they have made an investigation. They continue to ignore my requests with no reason provided to me. My identity has been stolen in the past and I have sent them a police report. I want this inaccurate, false, erroneous, invalid, unfair, unduly information removed from my report immediately.