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

Subject : Unauthorized Credit Reporting and Demand for Immediate Resolution Violation of Federal and Texas Laws Dear ZIONSDEBTHOL, I am writing to formally address a clear violation regarding the unauthorized reporting of information to my credit report, as defined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), 1681s-2 ( a ), and the Texas Finance Code under Sections 392.301 and 392.305, as well as Texas Penal Code Section 32.51 , which pertains to identity fraud. 

It has come to my attention that ZIONSDEBTHOL has engaged in the unauthorized reporting of information to my credit report without my explicit consent. As mandated by federal law under FCR

A Section 1681b ( a ) ( 2 ), consumer consent is a legal prerequisite for such activities.

Furthermore, Texas law under Section 392.301 of the Texas Finance Code prohibits the reporting of consumer credit information without proper consent. Additionally, Section 392.305 provides specific regulations to ensure fair and accurate credit reporting practices. Texas Penal Code Section 32.51, which addresses identity fraud, further highlights the serious legal consequences of unauthorized access and use of personal information.

I have not provided consent for ZIONSDEBTHOL to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights under both federal and state law, potentially causing harm to my credit and reflecting a blatant disregard for the legal protections afforded to consumers.

I hereby demand that ZIONSDEBTHOL immediately cease all unauthorized reporting of information to my credit report, as required by FCRA Section 1681b ( a ) ( 2 ) and the relevant provisions of the Texas Finance Code ( Sections 392.301 and 392.305 ). If this issue is not resolved within 30 days, it will be considered a willful violation of the law, subject to penalties, including those outlined under Texas Penal Code Section 32.51 for identity fraud.

Obtaining consumer consent is not optional ; it is a legal obligation. I expect immediate action to rectify this situation and bring ZIONSDEBTHOL into compliance with both federal and Texas state laws, which protect consumers from unauthorized and damaging credit reporting practices.

This notice is given in good faith with the expectation that ZIONSDEBTHOL will swiftly correct these violations and respect my rights under the law.
Product: Debt collection

We recently were trying to refinance our mortgage and they ran a credit report and was told this came up. We called the debt collector on the report and they told us it was a XXXX XXXX credit card from XXXX which we never had and gave us an address in XXXX where they sent bills and we have never lived in XXXX. We called Midland credit management on XX/XX/XXXX talked to a collector and he told us to file this report. He said the amount is {$5400.00}. He also said to contact the local police and file a report which we are in the process filing the report. Midland said they would be in touch via mail.
Product: Student loan

I am currently repaying a student loan to American Education Services and XXXX. I am unemployed, living in California, I am currently unable to afford my own housing and I receive food stamps from the state which is proof of my not having income. I am looking for work and have not found any and I am in desperate need of assistance to have my private student loans placed in forebearance while I find work. My student loan payment from XXXX has not been paid and XXXX will be due this week. I will own AES nearly XXXX dollars which is more than I receive in unemployment benefits in one month.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
INACCURATE NAME : XXXX, XXXX, XXXX XXXX : XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX  Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX TO XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a personal loan in early XXXXXXXX XXXX. I was not successfully contacted about this application until mid XXXX. I was informed at that time that the loan would be sent to underwriting and that I would be contacted with an approval status. I had not heard from The financial institution for several weeks so I followed up on XX/XX/2024 and they informed me that my application expired because it was incomplete. they stated that they would have to rerun my credit in order to re-process the loan Application. this is a derogatory mark on my already damaged credit report file and is unnecessary. Had they done their due diligence and been in contact in a timely manner this would not have been needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my XXXX XXXX XXXX XXXX  account app, it has a feature called XXXX credit journey which allows you to view your credit score and usage. 

When reviewing my account, there is a Barclays/Banana Republic credit card being used under my name. I do not have that card nor do I remember ever opening an account with Barclays and/or Banana Republic
Product: Credit card or prepaid card

Had a high balance on a Chase Credit Card. Paid of the high balance on the Chase Credit card. Then received high fees and interest month later as I continued to use card. Paid of balances that belong to me and left only the balance of fees. Contact Chase to tell them that the fees were excessive, XXXX total, and I would not pay. Now account is growing because I will never pay the card due to the excessive fees. This has been reported before and Chase determine that they are valid. So this a complaint that Chase is  apparently allowed to put any charges on customer accounts and call it valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express- I have been removed as an authorized user as of XX/XX/2018 verified by various calls to American Express with the most recent this month and it is still reporting to all 3 credit Bureaus. They refuse to send the electronic verification to the bureaus.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act, Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected .Futhermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E.These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX 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, credit repair services, or other personal consumer reports

Under the California Consumer Privacy Act ( CCPA ), a California state law, I am entitled to find out what personal information Equifax has on me, to prevent their sale of such information to other parties, to have my personal information deleted, etc. Here is a summary of the California law : https :  //oag.ca.gov/news/press-releases/attorney-general-becerra-issues-advisory-outlining-new-data-privacy-rights Which states : CCPA grants new rights to California consumers Right to know Consumers may request that businesses disclose what personal information is collected, used, shared or sold by the business, in both categories and specific pieces of information ; Right to delete Consumers may request that a business delete the consumers personal information held by both the business and by extension, the businesss service providers ; Right to opt-out Consumers may direct a business to cease the sale of the consumers personal information. As required by the law, businesses must provide a Do Not Sell information link on their websites or mobile apps ; Rights for minors regarding opt-in consent Children under the age of XXXX must provide opt-in consent, with a parent or guardian consenting for children under XXXX ; and Right to non-discrimination Businesses may not discriminate against consumers in terms of price or service when a consumer exercises a privacy right under CCPA. 

I attempted to accomplish this by telephone but was not successful, they refused to accommodate my request. I spoke with XXXX who refused to identify his last name but said that he was their supervisor at XXXX. Equifax was evasive and nonresponsive to my legal requests. Equifax wanted me to answer various truly inane questions such as : 1. To provide a compilation of my closed credit card accounts. 

2. To provide the minimum monthly payments required for various accounts. 

3. To confirm/deny that my grown adult child owns real estate in another state. My child does not live with me and I have no idea if they own real estate in another state. 
This is immaterial to my legal request under California law. 

This is absurd. They don't need me to research all of that data to obtain my rights under California Law. I need assistance in pursuing this issue to satisfactory resolution. Equifax continues to be evasive and nonresponsive to my legal and legitimate requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair credit reporting act, take appropriate action to correct inaccurate or incomplete information on a credit report. Bankruptcy Court is not an information provider as we do not report any information to these agencies. Bankruptcy court does not report to reporting agencies and does not report to any other of the agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America and I have talked about how their representatives told me what I owed back in XXXX 2016 and after paying what they said I owed, they reported me 30/60/90 days late, knowing full well this was false. I was misled and now they are purposely reporting false information as some type of retaliation for what reason I have no idea. Bank of America 's customer service is horrible and they are misleading credit agencies by using all the reporting agencies to punish me for something I did based on what THEY told me to do. It makes no sense!
Product: Mortgage

In 2016 I fell behind in my mortgage due to decreased work hours. Once my hours increased I applied for a modification and I have been applying for and been denied up until now. I have paid over {$50000.00} in legal fees basically begging this company to reset my loan and allow me to pay them. XXXX that could have gone to my loan. After fighting in and out of court over this matter for 8 years the arrearage has grown to way more than I can pay to reinstate my loan and they are going to auction my home. However if they had allowed me to modify my loan the arrearage would not be so great. They keep denying me saying they can not reduce the loan payment even when I told them I no longer need a reduction. I can pay more. They sent me a proposed mortgage modification payment amount, and I responded to them that I can afford to pay that amount. They in turn responded that I could not create my own modification terms. I do not fit their specific modification program. I have been in my home for 21 years and I desire to remain in my home. I would like them to allow me to pay them even if the loan payment has to increase for me to pay the loan. Just stop the foreclosure proceedings and work with me. I would understand foreclosure if I had been unwilling to try to resolve this, but that is not the case. Taking a home from me that I am willing and able to pay for is unfair. Life brings situations that can set a person back, and sometimes it does it repeatedly. To stay afloat despite the numerous situations that I have encountered from income loss, job loss, deaths, and serious illness, and recover financially and still lose the shelter that me and my pets have come to know as home is a travesty.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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, credit repair services, or other personal consumer reports

I have already sent a letter to XXXX, XXXX, and TransUnion Credit Bureaus on XX/XX/2023, requesting verification and deletion of fraudulent information found on my credit file. After reviewing an updated copy of my credit report, I noticed that most of the fraudulent items are still being reported. Despite waiting for a response from the credit bureaus, I have not received anything. The three Credit Bureaus have failed to comply with the Fair Credit Reporting Act, specifically 15 USC sections 1681i, within the legally mandated timeframe. Their continued reporting of unconfirmed information, despite my attempts to address the issue directly with the creditor, can be considered willful negligence and non-compliance with federal statutes. I kindly request the complete removal of the following items from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023. Specifically, the fraudulent items on my credit report includes credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution.
Product: Debt collection

On XX/XX/XXXX at XXXX I contacted the company about this issue and spoke with an employee by the name of XXXX  about this account from XXXX and I was told I dont have any late payments on file and it should not be reported on my credit profile as a late payment.. I would like this late payment removed from my credit profile..
Product: Credit card

The store offered me a rewards card, not indicating it would be a store credit card. They asked for my credit card to secure the rewards card so I thought it was paid then I got a statement in the mail saying I had a XXXX credit card and that I owed the money which I immediately paid and called them up and told them to cancel the card. I never wanted it, and that I was scammed.
Product: Credit reporting or other personal consumer reports

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" 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. '' XXXX, XXXX and XXXX etc., are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which 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 that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company.

Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2100.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$17000.00} - Charge off XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$13000.00} Charge off XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$11000.00} Charge off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5900.00} Charge off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5100.00} Late/Closed XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$9000.00} -Late/closed XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$17000.00} - Open
Product: Credit reporting or other personal consumer reports

To whom this may concern, my name is XXXX XXXX, this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRTTEN instruction of the consumer whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding the removal of the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following inquiries were not authorized by me and I request removal : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was advised by Discover that a payment was not received. The payment cleared in my bank, I filed a dispute and sent supporting documentation to advise of payment. 
On XX/XX/XXXX, I was sent a letter advising that the issue has been resolved and I would be receiving the payment credit with interest. I received the credit and then on XX/XX/XXXX, they took the credit back. I was advised that they never received supporting documentation which is contrary to the letter I received on XX/XX/XXXX. 
I have spent countless hours on the phone and on chats trying to resolve this issue to no avail..I am left with no choice but to report it to here for assistance
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have been advised since XX/XX/2020, I have been apart of multiple breaches from multiple companies. Due to this, I have free access to my credit reports from XXXX and XXXX. I have noticed a few accounts that do not belong to me. Notices have been sent to all three bureaus for the inaccuracies to be removed.