23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a XXXX worker and a XXXX XXXX XXXX XXXX XXXX XXXX I have an issue relating to a BOA card late payment. From XXXX to XX/XX/XXXX, I was at XXXX  school for my XXXX Around that time, my aunt who I was a caretaker died from cancer due to covid, and my grandma who I was also taking care of was in and out of nursing home... during this time I was sure I had set up an online auto payment for my BOA account but BOA account fell behind and I was marked late. 

in XX/XX/XXXX, I spoke to BOA collections dept. and they told me that given my situation, since Im a XXXX XXXX and had a death in the family, they would remove late and late fees, within 30 days. They said they are allowed to do this and have done this for many of their clients. 

Weeks later I saw no changes to my credit report. And when I called back BOAs phone reps now gave me unsolicited legal advice and told me that I should dispute the account under the FCRA with the credit bureaus. 

All the while no less than 6 people at BOA told me the late was already removed but it was not.
Product: Checking or savings account

Opened a new set of TD Bank checking and savings account on XX/XX/XXXX. Online banking was blocked a couple days later. Called customer service line and I was told I had to go to a branch to unlock my account. I refused to go to branch due to the current COVID situation and hope they can unlock my account as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date : XX/XX/year> **Federal Trade Commission** XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX **Subject : Complaint Regarding Misuse of My Data, Deleting 2 Positive Accounts XXXX, XXXX By TransUnion** Dear Sir or Madam, I am writing to formally lodge a complaint regarding what I believe to be a violation of the Fair Credit Reporting Act ( FCRA ) by TransUnion. I have discovered that my data has been misused, resulting in significant harm to my privacy and financial standing. 

Recently, I observed that TransUnion removed an account from my credit report, which is in good standing, which caused a considerable drop in my XXXX XXXX on XXXX XXXX XXXX The account in question, XXXX, was removed between XX/XX/year>, and XX/XX/year>. This abrupt change to my credit file. This seems to be a cycle with similar incidents involving XXXX and XXXX, indicates a broader pattern of misuse of consumer data. 

Under the FCRA, credit reporting agencies are prohibited from accessing or using consumer data without a permissible purpose. Misuse may include : - Sharing credit information without authorization - Using reports for non-credit-related decisions without proper consent - Obtaining or altering credit reports under false pretenses These actions violate my rights under the FCRA and have negatively impacted my financial standing and privacy. 

To resolve this matter, I respectfully request that the FTC investigate TransUnion 's practices, and restore my accounts. TransUnion has clearly violated FCRA regulations. Additionally, I request that TransUnion provide : Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX CFPB TRANSUNION IS NOT COMPLYING
Product: Student loan

I was approved for a forbearance and I was told it would cover all the time I was late. But it still shows on my credit report as late on both occasion that I was approved for an forbearance. I wrote to have them removed and I have still not heard anything from the company.
Product: Debt collection

Yes, debt collector committed the following : " Improper or sharing of info '' as they " Contacted my employer '' w/ a Summons where I am independently contracted as a XXXX. Another independent contractor of my employer ( third party contact ) read, scanned and emailed w/ Subject CONFIDENTIAL the Summons with its entire contents ( see attachments for Summons and third party 's email ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 . Or a list of inquiries : 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.
Product: Credit reporting or other personal consumer reports

I have disputed Bankruptcy cases # XXXX, XXXX with the XXXX credit agencies in response they verified the item as accurate stating that items have verified the information with the court. I contacted the court and their response is enclosed. It is clear the court does not report to Experian, XXXX, XXXX XXXX credit bureaus. Therefore your original response verifying the item with the court has to be an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 16811 ) and the information must be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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.
Product: Debt collection

On XXXX XXXX. I was informed that Reliant Capitol Solutions called to look for me at my employer. A supervisor informed them to no longer call that the line was a business number. They stated they would no longer call and would make a not of it in their system. 

On XXXX XX/XX/2023, they called my cell phone at XXXX at XXXX hours. Again, at approximately XXXX hours, they called my employer and told an employee that they were from " Reliant Capitol Solutions seeking to collect a debt. ". 

This is repetitive, unprofessional, and harassing.
Product: Debt or credit management

They were supposed to help me repair my credit back in XXXX  and I have instead lost money due to their lack of effort. When I asked they acted as if my account was messed up. I was literally paying for absolutely nothing
Product: Credit reporting or other personal consumer reports

I reviewed my credit report on XX/XX/XXXX. I noticed that some things were not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to provide maximum accuracy of the information concerning about who the report relates. This account is not accurate. I notified in writing and online Transunion that XXXX listed on my credit report as late in XXXX of XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This account is closed and paid in full. It is however reporting payment schedules as inaccurate. All payments were made on time and not late.
Product: Mortgage

I got My Mortgage back in 2016 with XXXX Mortgage at the time it was a conventional loan but due to student loan they switch it to an FHA last minute so i can close on my loan. I wasn't paying student loan but i had to act as if i was so my DTI went higher my credit score and work history had me at a conventional loan. They told me that once i hit 20 % on either loan i can have the XXXX or XXXX whatever you want to call it removed. I was told the only difference on FHA was i had to ask the XXXX to remove it once in got to the 20 %. My loan since then has changed hands several times over the years. I ask since after year one to have the XXXX removed several time. I even contacted the FHA to ask how that work in my attachment you will see i contacted them and M & T who has my mortgage now several time asking if i can talk to the right person so i can have the XXXX removed due to what it say in the FHA info they sent it say that if the lender and i come to an agreement i can have the XXXX remove with in 15 days. I have showed M & T this several time i don't have the emails or phone call or letter from them from the first few times ive asked. But i due have the ones i just asked them again. They choose to only go bay the rule that says it for the life of the loan which isn't true it can be for the life of the loan in many different ways it say on the info that FHA gave me but at the bottom it also say i can be removed with an agreement between us both. All they really due is blow me off and send me a letter like the one i have attached saying it for the life of the loan once again which isn't true. Please read threw my attachment from FHA and M & T bank and you could even talk to FHA your self and they will tell you the same thing they told me that it is possible to remove the XXXX off my loan Thanks for your time.
Product: Debt collection

NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM AARGON AGENCY INC # XXXX, # XXXX To Whom It May Concern This letter is being sent to you in response to a computer generated, INFORMATION and letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter.

This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OFCLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant.

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX  and XXXX XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately.
Product: Debt collection

On Several Occasions I have contacted National Credit Adjusters with regards to this old debt that they keep adding and removing from my credit report which is causing harm to my credit score. I have attempted several times to ask for debt validation since this account does not belong to me and not once have they attempted to provide any kind of documents at all. This company has more than enough complaints on them and how they harass consumers all day long. I want this untrue/non-compliant derogatory account deleted from my credit report immediately. This company should not even be in business with the number of complaints against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department. Please help me get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX : XXXX Experian : XXXX XXXX  : XXXX. XXXX XXXX XXXX : XXXX : XXXX Experian : XXXX : XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX : XXXX Experian : XXXX .XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX Experian : XXXX : XXXX : XXXX XXXX XXXX Experian : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and erroneous information on my credit report that has caused me financial harm, including being denied loans and credit cards. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information reported is accurate, fair, and substantiated. 

Upon reviewing my credit report, I have identified incorrect information that has negatively impacted my creditworthiness. This misinformation has resulted in my inability to secure credit, causing undue financial distress. Under the FCRA, you are obligated to investigate and correct any inaccuracies within 30 days of receiving this notice ( 15 U.S.C. 1681i ( a ) ). 
The specific inaccuracies include : XXXX XXXX XXXX XXXX XXXX payments. 
XXXX XXXX XXXX XXXX XXXX late payments. 
Pursuant to 15 U.S.C. 1681e ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Given the recent lawsuit against Equifax and Experian for failing to uphold these obligations, it is evident that there has been negligence in ensuring fair and accurate reporting. Due to this negligence, my credit score has been unfairly affected, and I have suffered damages, including credit denials. 

Under the FCRA : You must conduct a thorough investigation within 30 days ( 15 U.S.C. 1681i ( a ) ). 

If the disputed information is found to be inaccurate or unverifiable, it must be corrected or deleted promptly ( 15 U.S.C. 1681i ( a ) ( 5 ) ).

You are required to notify the creditor or furnisher of my dispute ( 15 U.S.C. 1681s-2 ( a ) ( 8 ) ). 

I demand that you immediately investigate this matter and correct the inaccuracies. Additionally, I request that you provide me with a written statement of the investigation results, an updated copy of my credit report, and confirmation that any erroneous data has been removed or corrected. If you fail to comply with these legal obligations. 
Please confirm receipt of this letter and respond to my dispute within the legally required timeframe. I expect to receive confirmation of the corrections within 30 days as mandated by law.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

After checking credit profiles connected to me, I have learned that XXXX XXXX company are the cause of many adverse reactions and retaliations placed upon me. I have never given XXXX XXXX permission to furnish personal information and inaccurate information. 

XXXX XXXX has no permissible purpose to furnish this account. I would never volunteer for my any personal information be placed in the public eye let alone my personal information be shared and sold for profit by affiliate sharing. This is a violation of Fair Credit Reporting Act & Fair Debt Collection Practice act. 

Violation : 12 CFR 1016.10 LIMITS ON DISCLOSURE OF NONPUBLIC PERSON INFORMATION TO NON AFFILIATED THIRD PARTIES. 

XXXX XXXX this is your notice to Cease & Desist all communications regarding this matter until all record of documentation on record of books of accounting, validation, method of validation, wet signature of contract, all is provided to me. Please send everything by U.S mail. 

XXXX XXXX did not provide me with proper disclosure to opt-out of credit reporting as the option to opt-in. I was not giving full disclosure so any decision made I was uninformed and things was not clear. Per : VIOLATION ; 12 CFR 1016.7 FORM OF OPT OUT NOTICE TO CONSUMERS : OPT OUT METHODS. 

Please by me understanding my consumer laws and rights the creditor XXXX XXXX, Equifax, XXXX, & XXXX has violated the following : According to 15 USC 1681 section 602 ( a ), I have the right to privacy. Furthermore, as outlined in 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing an account without my written instructions. Additionally, as per 15 USC 1681 ( c ) ( a ) ( 5 ) sections, consumer reporting agencies are restricted from including certain adverse items of information in consumer reports, except for records of conviction of crimes dating back more than seven years. Lastly, under 15 USC 1681 ( s ) ( 2 ) ( a ) ( 1 ), it is stated that individuals are prohibited from providing inaccurate information relating to a consumer to any consumer reporting agency if they have knowledge or reasonable cause to believe it is inaccurate. 

I am exercising my rights under 15 U.S CODE 1692k - Civil liability that each mention violation not exceeding {$1000.00} : or in case of class action...
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried several times sending Equifax an FTC report about fraudulent inquiries on my credit report and those inquiries are still there : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had fraudulent charges and my credit ran in my name and I called every single one of the places I 'm about to name about the the inquiries I have from these places and they took my number down telling me they would get back to me and I have n't heard from anyone. I have unauthorized inquires from the following : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NEW UPDATED INFORMATION!!!!!!! I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EQUIFAX NEEDS MY AUTHORIZATION TO PROCEED, THEN EQUIFAX HAVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, filed a complaint about EQUIFAX on XX/XX/2022 and XXXX XXXX. The complaint I'm referring to includes complaint number XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX. In that complaint pursuant to 15 USC 1681i ( 7 ), I demanded EQUIFAX send me my REINVESTIGATION results in 15 days of the late payments that I have disputed that they claimed were verified. I asked for the description of the procedures included in 15 USC 1681i ( 6 ) ( B ) ( iii ) that EQUIFAX have taken to receive those results. It has been way pass 15 days and I have not received any " REINVESTIGATION '' results. I have also asked for the written instructions I gave EQUIFAX, pursuant to 15 USC 1681b ( a ) ( 2 ), to furnish this information on my consumer report. Without my written instructions, this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. I have not receive those written instructions either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported the XXXX  account for {$57.00} and a XXXX XXXX XXXX account for {$1500.00} on my Transunion account as a violation of code 15 USC 1681B Permissible Purpose. These accounts are fraudulent and violates this code. It has passed 30 days and this issue has not been answered. I have received a response from Transunion on another issue but not this one and XXXX and XXXX has already removed this account from their report. 

I attached a report from XXXX and I will be sending in this same report to the bureau.