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

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, XXXX XXXX sections XXXX, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Checking or savings account

I found a fraudulent charge for {$44.00} by XXXX XXXX a foreign exchange fee on my Chase checking account. I disputed it and it was denied. In the letter it said I can request the information used for this research. I requested more information but all that was repeated was I was found to have authorized this transaction because I hadn't disputed charges from them before. I have NEVER received a transaction from XXXX before, and Chase denied my request for actual proof or to speak with the agent who worked on my claim. There was also a foreign transaction fee for XXXX and I never traveled outside of the U.S in XXXX, which makes no sense. I have proof that I was in the U.S. This is unacceptable as it is clearly a fraudulent charge and they denied my claim with no proof. There is also multiple users online having the same problem, getting the same unauthorized charge of {$44.00} by XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX
ACCOUNT NUMBER:XXXX

LOCATION INFORMATION: XXXXXXXX XXXX XXXX XXXX XXXX XXXX  

TO WHOM IT MAY CONCERN,

THIS IS ABOUT THE CONSUMER CREDIT TRANSACTION INITIATED ON XXXX XXXX XXXX WITH YOUR FINANCIAL INSTITUTION EXECUTED BY WAY OF SIGNING AN AGREEMENT ( DOCUMENT). AS PER 15 USC 6827(3) THE TERM DOCUMENT MEANS ANY INFORMATION IN ANY FORM.

THE PROVISIONS OF 15 USC 6801(A) REQUIRE FINANCIAL INSTITUTIONS TO NOTIFY CONSUMERS OF THEIR INFORMATION SHARING PRACTICES AND PROVIDE FOR A RIGHT TO OPT OUT OF CERTAIN SHARING. 

IN THE ABOVE MENTIONED CONSUMER CREDIT TRANSACTION, WITHOUT GIVING ME THE OPPORTUNITY TO OPT-OUT, YOUR INSTITUTION FURNISHED MY NONPUBLIC PERSONAL INFORMATION TO NONAFFILIATED THIRD PARTIES( I.E XXXX XXXX XXXX XXXX )

ACCORDING TO 15 USC 6809(4)(A), THE TERM  NONPUBLIC PERSONAL INFORMATION MEANS PERSONALLY IDENTIFIABLE INFORMATION-

(I) PROVIDED BY A CONSUMER TO A FINANCIAL INSTITUTION;
(ii) RESULTING FROM ANY TRANSACTION WITH THE CONSUMER OR ANY SERVICE PERFORMED FOR THE CONSUMER;OR
(iii) OTHERWISE OBTAINED BY THE FINANCIAL INSTITUTION

FURTHER, PURSUANT TO 15 USC 6809(5) THE TERM NONAFFILIATED THIRD PARTY MEANS ANY ENTITY THAT IS NOT AN AFFILIATE OF OR RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL WITH THE FINANCIAL INSTITUTION BUT DOES NOT INCLUDE A JOINT EMPLOYEE OF SUCH INSTITUTION.

THEREFORE, AS PER THE LITERAL INTERPRETATION, THE ORGANIZATION NAMED XXXX XXXX  AND XXXX  ARE NONAFFILIATED THIRD PARTIES AND YOUR INSTITUTION HAS VIOLATED THE PROVISIONS OF 15 USC 6802.

IN CASE YOUR COMPANY ADMITS THAT THE ORGANIZATION NAMED; XXXX XXXX & XXXX  IS AFFILIATED, IT HAS STILL VIOLATED THE PROVISIONS OF THE FAIR CREDIT REPORTING ACT.

PURSUANT TO 15 USC 1681A (D)(2)(ii), THE CONSUMER REPORT WILL NOT INCLUDE ANY INFORMATION COMMUNICATED AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL.

FURTHER, 15 USC 1681A (D)(2)(A)(ii) STATES THAT IF THE COMPANY WANTS TO COMMUNICATE OTHER INFORMATION AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL, IT SHALL BE CLEARLY AND CONSPICUOUSLY DISCLOSED TO THE CONSUMER THAT THE INFORMATION MAYBE COMMUNICATED AMOUNG SUCH PERSONS AND THE CONSUMER SHALL BE GIVEN THE OPPORTUNITY TO DIRECT THAT SUCH INFORMATION NOT BE COMMUNICATED AMOUNG SUCH PERSONS.

THEREFORE, YOUR COMPANY HAS NOT ONLY INFRINGED MY RIGHT TO PRIVACY BUT ALSO VIOLATED MULTIPLE FEDERAL LAWS.

I HEREBY DEMAND YOU TO REMOVE THE BELOW MENTIONED INFORMATION FROM MY CREDIT REPORT AND UPDATE ACCOUNT TO PAID AS AGREED;

LATE PAYMENTS:

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


IF YOU ACCEPT MY REQUEST, I WILL NOT ESCALATE THIS MATTER TO A FEDERAL COMPLAINT.

THANK YOU FOR YOUR ATTENTION TO THIS MATTER.

SINCERELY,
XXXX XXXX
Product: Debt collection

XXXX I received a " second notice '' of a debt owed, now in collections. 1 amount from XXXX, another in XXXX. Both of which I have no memory of taking on a debt or needing to have any kind of assistance that would require a service not paid for. I have emailed Phoenix Financial Services for the 2nd time disputing the claim/collections. They have now also put a collections notice on my credit report as well. The amount they show as " owed '' can be immediately paid off with an amount that is less XXXX the $ $ as what the total " collection request is '' if I pay immediately. $ XXXX of what I owe isn't even the " pay now to resolve '' amount. Too many problems with this, it's clearly false, fraudulent or accidental somehow. Now that my credit score has been lowered, I need help. I have never received a bill, a notice of service not paid for, no idea who the original debt is owed to or why. All the sudden I'm in " collections'..
Product: Payday loan, title loan, or personal loan

I have contacted XXXX  about harrassing me through mail offers for a Payday loan and asked them to stop and desist sending me offers for a Payday loan that I am not interested in in their loans.

XXXX   has failed in my request and continues to harrass me in taking out a Payday loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

You have really gone so far as to disregard my disputes. AGAIN, this state is unbelievable! Experian and CFPB are impassive about my complaint. I cling to sending plentiful sets of letters to Experian so the reason we didn't get it '' doesn't occur but then its like nothing happened. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.? I want you to be responsive and REPAIR these items that caused me so much trauma. 

XXXX XXXX, XXXX UT XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an installment loan from a company called XXXX on my credit report. I did not open an account with this company. I am a victim of identity theft and have a fraud alert on my credit file. So they never should have opened this account. I was never contacted as is required by my fraud alert to verify my information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Comenity bank send my account with them to a Midland Credit Management XXXX with a balance of {$600.00} dollars because they was saying that I old money to them when I know that wasn't true but I deal with XXXX about paying this amount of money, I finish paying that amount on XX/XX/2024 and when I check my credit score shows that serious delinquency report is on my credit with out no reason because I don'told nothing to any of them. Need your help to fix my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I joined to US XXXX in 2016 and was sent to my training in XXXX. Before going to my training, I called XXXX XXXX XXXX to grant me a forbearance because I was going to be away. During the training, Nobody has access to his phone, internet or any way of dealing with credit company. A few months later, after my initial training, I came to find out that I account was being reported delinquent. I picked up my phone and called them, and they said that they were going to fix it with the credit bureaus. And recently, the same thing happened again. They grant you a forbearance, and turn around and reports your accounts as late. I have attached my Military orders to show that I was XXXX XXXX during that time and I have also attached their approved forbearance. 
This has ruined my life and has made me unable to apply any loan since 2016. This one account is reported into 8 tradelines/split accounts on my credit report and is showing that I have been late 5 times per tradeline/split which total to 40 times late. I have tried to multiple times and avenues this has never been resolved and everyone seems not to care. I am being treated this way because I chose to serve the country? Joining the Military is not an excuse to get away from financial obligations, but at least necessary steps were taken to ensure that I was covered during my XXXX XXXX time. If there is anyone out there to help me, I will appreciate because 40 late payments have been sitting on my credit for 4 years now. These late payments have crippled me and had made me unable to even get a security clearance. My wife and my XXXX kids can not enjoy the life that I have always dreamed to give them because every time I want to take a step forward, 40 late payments are holding me back. I have saved up for a mortgage but can not get qualified. Can someone look into this and save my life and the life of my miserable family? Please I need help.
Product: Student loan

Since XX/XX/XXXX, I have been out of work with a XXXX  XXXX. I was notified by Social Security that I would no longer have to pay on student loan, due to XXXX discharge that was in process. In XX/XX/XXXX, I asked you to remove the late payment status on my credit report for XX/XX/XXXX, which you stated " we have an obligation to ensure data we furnish to consumer reporting agencies is accurate ''. In XX/XX/XXXX, I received a refund for payments posted on the account including the XX/XX/XXXX payment. Furthermore, you must remove the payment history for XX/XX/XXXX, Since I was not responsible to pay that month. I noticed several months of data were removed after you received my TPD discharge, however you decided to leave the late payments on my report. Please update XXXX, XXXX  and XXXX  to remove the payment history for XX/XX/XXXX. 

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

SOMEONE HAS BEEN TRYING TO USE MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE OR CONSENT TO OPEN ACCOUNTS WITH CREDITORS. THERE ARE NUMEROUS CREDIT INQUIRIES ON MY CREDIT REPORT THAT I HAVE NOT MADE AND WERE SUBMITTED FRAUDULENTLY. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I can not get my free XXXX even though I send in the correct information. I have been denied. I tried by phone and the response to my information recorded was unlegible I could not understand the recording I had made and I was not able to get an agent or operator on the call. I Went online and was denied my XXXX and I am seeking information on how I can get this report from all three credit reporting company 's. By the free XXXX which I believed to be associated with the United States Government under Federal Government approval.
Product: Payday loan, title loan, or personal loan

I was in Bankruptcy for 18 months and discharged XX/XX/XXXX. I received my truck title from XXXX XXXX XXXX XXXX   the last week in XXXX, so no problem with this. 

However, My First Associates Loan Servicing LLC ( XXXX XXXX ) loan was paid off through the Bankruptcy Chapter XXXX on XX/XX/XXXX by XXXX XXXX XXXX too. 

I contact First Associates Loan Servicing by phone on XX/XX/XXXX and was told the loan was 61 days past due $ XXXX. The customer services rep put me on hold then came back and said I had the wrong number and I do not have a loan. The number I dialed was and was told my account was past due with a balance. Then I was told I did not have an account. The number I dialed was XXXX. 

Then on XX/XX/XXXX, I received an email to update my password on XXXX XXXX portal. On XX/XX/XXXX I did and I type a message inquiring about my title. As of today, I heard nothing from First Associates. Based on the internet reviews, I may never get my title back so I am seeking help from CFPB.
Product: Credit card or prepaid card

Attemped to use the card to purchase items at XXXX XX/XX/2020. It was rejected by the credit processing machine. Later that day I checked with the company and was told the balance available was {$230.00}. Working with the automatic system I was advised that the account was inactive. I tried to contact a customer service rep but was not allowed that opportunity. The system did not allow it. 

On or about XX/XX/XXXX I tried calling the company again and could not get a customer service rep. When I tried the system hung up on me. I sent an e-mail complaint. The system told me it would be 10 days for a response. But as of today XX/XX/2020 I have not received a response. I have tried contacting the company again today and have spent 1 hour and 45 minutes on hold waiting for a customer service representative. 

This money is unemployment benefits I need very badly. The money was placed on a USbank Reliacard Debit card.
Product: Credit reporting or other personal consumer reports

I sent off a letter on XX/XX/. Here are my tracking # 's ( XXXX ), ( XXXX ) To remove personal information i do not want on my credit report. According to the fair credit act 15 USC 1681. I have the right to privacy.Also according to 15 USC 6802.No financial institution is not suppose to share my information to third party people. 
These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

I was asked to file a a police report with my account financial advisor showing a dispute with a XXXX affidavit with a report on my telecheck but we had a fraudulent review error from my trans union identity restoration officer. I have to guide my report with a transcript from my compromised account from XXXX data breach considering it was a compromised account from cloud servers with my identity theft affidavit police report. XXXX XXXX was a hacker from the account. I was asked to file a policy claim with my consumer attorney XXXX XXXX showing identity theft fraud alert. My claim will have to contact the credit bureau for claim number with the insurance claim policy. I also want to file a report regarding my account not showing a dispute from my email on my pawned website from my XXXX XXXX account and XXXX XXXX business account recovery account phone passwords were compromised from a spy not showings on the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My fico score decreased from Equifax XXXX points because of their inaccurate balance information from my XXXX XXXX  card ending in XXXX my fico score today! Said my card increased to over XXXX dollars? They are looking at a d balance over 40 days old? Not was is current today?? my balance is only XXXX dollars period! I had a lot of problem with equifax reporting old information!! I will include my Fico infor from Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and saw that there are 3 student loans on my credit report that are not mine. I listed these 3 accounts on a Identity Theft Report. I have reached out to XXXX, XXXX AND TRANSUNION AND LET THEM KNOW THAT THESE ARE NOT MY ACCOUNTS BUT THEY HAVE NOT CHANGED MY INFORMATION.I have no idea how i have these accounts on my profile. XXXX, TRANSUNION AND XXXX are BREAKING THE LAW because although i have disputed these items, They are in violation of federal consumer law. 15 USC 1681b ( a ) ( 2 ) states that a consumer reporting agency may furnish a consumer report in accordance with written instructions of the consumer to whom it relates. I as a consumer have NEVER given XXXX, XXXX OR TRANSUNION ANY Written instructions or consent to report anything on my credit report. NO CONSENT MEANS IDENTITY THEFT. I am demanding these 3 items be removed because it isn't fair to me as a consumer and they are fraudulent accounts. If they are not removed, I will not extend my credit to anyone anymore or allow XXXX, XXXX or Transunion to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. There are inaccuracies on these fraudulent accounts as well and these 3 consumer reporting agencies aren't reporting the same information. These inaccuracies on my credit report it has caused me to lose faith in the banking system. If XXXX. Transunion and XXXX wants to continue doing business with me then they must delete these Inaccurate accounts off my consumer report. This isnt fair to me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX my score was XXXX. In XXXX I contacted the 3 credit reporting agencies to get my score. XXXX was the only one that didn't charge. Experian and XXXX wanted to charge a fee. After I contacted them, suddenly my credit score began to drop from XXXX ( the highest possible ) to XXXX. There is nothing negative about my credit so I can't understand why the big drop. The agencies are no help ( if you can get a live person ). It seems like these agencies can make up any score they want with no explanation. Since credit is so important in our society, these agencies should be under tight control/supervision/monitoring. I'm also beginning to suspect there may be a racial component here such as targeting minorities by lowering their credit scores so lenders can charge high interest rates. This kind of thing has happened all too often in the past. 
Thanks for taking my complaint. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive had severe issues with the student loan process for at least 10 years. An on going fraudulence has occurred on my student loans which I believe started with identity theft. Im unable to get resolution and require legal assistance. Ive contact every department related to my claims & accounts for the past 3 years. I only get people taking my personal & private information and telling me to pay up or else! No one will actually help me. They defaulted my loans. Triple the loan amounts for no reason. Change servicing companys often. I need them to stop harassing me. Stop garnishing my wages. Stop taking my tax returns that are ONLY CHILD TAX CREDITS. Stop ruining my credit so I cant even have a place to live. The lenders dont answer the phone. I called Wells Fargo to inform them of how the loan was being processed and was transferred three times.  What is that about!?! Sounds like a problem! 

I HAVE ALREADY COMPLAINED TO YOU! I have already filed complaints. I have already been in this loop of shame!