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

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act ) STATE OF MI XXXX XXXX XXXX I owe {$10000.00} Account # XXXX DATE OPEN XX/XX/XXXX - ( REPOSSESSION ) XXXX XXXX XXXX I owe {$13000.00} DATE OPEN XX/XX/XXXX, ACCOUNT # XXXX15 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. 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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2023 XXXX XXXX XXXX XXXX  XXXX Balance : {$1800.00}.
Product: Credit reporting or other personal consumer reports

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates XXXX XXXX XXXX regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Product: Checking or savings account

I ordered from a XXXX XXXX doing the holidays the packaged was delivered i never received it i waited and contacted neighbors just in case someone had it. I never found package. I informed company that shipped it was told to contact my financial institution going forward which I did a investigation was open several times in seperate months and years it was determined the company was in the right a pic was sent to me of someone else apartment not mines although Chime was informed of this it was never corrected or fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I made the payment for the loan with Bridgecrest the day before it was due. My checking account as well as Bridgecrest sent me 2 emails confirming they received the payment. I have received multiple calls from them stating they never received the payment and threatening to take my vehicle. I sent them as much information as I could that I had even speaking back and forth with my banking institution to get them what they needed. They were not very helpful just kept repeating themselves. I am a new customer with this company and having problems like this is bad business. I will be reaching out to legal counsel.
Product: Mortgage

I submit two {$3000.00} payments for principal reduction on XX/XX/2019 & XX/XX/2019 through my bank electronic payment/bill pay. I called the company/Freedom Mortgage twice in XX/XX/XXXX after the XX/XX/XXXX and XX/XX/XXXX statements failed to reflect the reduced principal amount on our account. I also went on-line to check on the status today, and the company still did not reflect the actual date of the principal reduction payment received nor apply the payments toward the principal. This has been an on-going issue whenever we make extra payments toward the principal during the last 24 months period. The company cashier department made all attempted to applied payment to a later date or refused to apply payments toward the principals even when the checks are clearly stated with principal reduction payment purpose only.
Product: Debt collection

I have sent multiple letters to XXXX XXXX XXXX requesting a signature as verification for several debts they are attempting to collect. I am not responsible for these debts, as my personal information was compromised due to credit bureau data breaches, leading to fraudulent accounts being opened in my name. 

The accounts in question are : Account # XXXX Balance : {$1200.00} Account # XXXX Balance : {$1400.00} Account # XXXX Balance : {$680.00} Account # XXXX Balance : {$810.00} In response to my letters, XXXX XXXX XXXX has only provided statements related to the accounts they purchased from the original creditors. However, none of the documents they have sent include my signature or indicate when these accounts were opened. 

I have sent certified letters on XX/XX/XXXX, and XX/XX/XXXX, and each time I have received the same response without proper verification. I am requesting that these debts be fully validated with documentation that includes my signature or be removed from my records.
Product: Credit card

My payment was due XX/XX/2024. I went to pay it today and there is an unfair time cutoff for the west coast. They expect payment by XXXX EST. All other credit card companies give someone until XXXX for any timezone, but not COMENITY. They took over my credit card for AAA from XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX had the non-punitive allowance of paying by XXXX of the due date. I am asking for the same consideration that every other credit card company gives their card holders to allow the whole due date for a payment and not to punish anyone not on the east coast of the U.S. They themselves are based in TX and they even penalize their employees if payment is not made using EST. How can a company continue to have such policies, they seem unfair and greedy. I ask for reversal of any imposed late fee. I paid by XXXX PST on XX/XX/2024. I pay when my bills are due and I paid this on its due date. I should not be penalized for paying on the exact day my invoice is due and before XXXX in my timezone. This is even too early for east coast cardholders, XXXX is unfair, it should be the XXXX cutoff for each timezone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Past case : XXXX Auto lease with XXXX  inaccuracies in reporting several lasts payments between XX/XX/XXXX and XX/XX/XXXX. 
I have filed several complaints with XXXX, this is the XXXX complaint. 

All three major credit reporting agencies are reporting late payments and negative information. 

XXXX needs to update XXXX, XXXX, Trans Union and all others that have inaccuracies due to their mistakes. 

XXXX has admitted to this negative data being a mistake yet time after time they have failed to fix it. 

XXXX continually closes case without contact with me. They dont follow through as they indicate they will upon a first call. 

Again- I am asking for all three major credit bureaus be informed of the mistake and the negative data removed. 

The first 3 complaints to XXXX via this method resulted in three different responses and promises to fix yet nothing has been done in over one year. 

XXXX is being asked by me to NOT CLOSE this case until contacting me to explain the problems they are having. Im expecting them to perform by removing damaging and problematic False data from said reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Without my permission, my medical information was released. This company has breached the Consumer Protection Act and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think illegally reporting in my credit profile that affects my life being tortured financially.

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY.

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Product: Consumer Loan

XXXX XXXX XXXX provided a credit card to a company XXXX. They state that the firm owes them some {$4000.00} and have turned the collection over to FMA Alliance, LTD of XXXX XXXX XXXX, XXXX, TX XXXX. Their file # for the issue is XXXX. 

FMA refuses to provide me a copy of the signed application for the original loan / credit card. The card was issued in the name of the company and therefore I suspect the application was signed as an XXXX of the firm. 

It is their desire, of course, to have me pay this amount personally. I was willing to do so and told them as much provided they could show me that I signed for the card personally as an individual. They show me nothing so either they do n't have it or it was signed as an XXXX of the firm and they do not want me to see it. 

Their " threat '' is that this will be turned over to the credit bureau 's and this would severely damage my credit report. 

My request is that you do whatever is necessary to get these people to stop calling and harassing me. 

I am a reasonable person and have never such a complaint in XXXX years of adult life. 

Please get these people to stop calling and requesting money from me. 

Their phone # is XXXX. On occasion I have spoken with managers at XXXX, extension XXXX. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX BANK XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX BANK NA XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DO NOT CLOSE THIS COMPLAINT!!! this is not a complaint from a third party company. This is a complaint made by me XXXX XXXX. 
So I am the victim of identity theft. I would like this to be taken care of I have filed a police report which is included and i would like the accounts removed from my credit.
Product: Credit reporting or other personal consumer reports

Subject : FORMAL DISPUTE LETTER VIOLATION OF FCRA, FDCPA, AND REQUEST FOR 1099-C Dear Equifax and TransUnion, I am writing to formally dispute the inaccurate and unverifiable information being reported on my credit file regarding an auto loan account. The account is listed under multiple names across different credit bureaus : 1. XXXX XXXX ( as reported by TransUnion ) 2. XXXX XXXXXXXX ( as reported by Equifax ) Despite these differing names, the accounts reflect the same balance of {$39000.00} and other inconsistencies that violate my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other federal consumer protection laws. 

Violations and Basis for Dispute 1. Violation of 15 U.S.C. 1681e ( b ) Failure to Maintain Accurate Reporting The creditor 's name is inconsistent across credit bureaus, which brings into question the accuracy and integrity of the reported information. If the creditor can not verify the true name of the account holder, the information must be deleted per FCRA regulations. 

2. Violation of 15 U.S.C. 1681b Unlawful Reporting Without Permissible Purpose If the lender has charged off this account, it should no longer be reported as an outstanding balance unless ownership has been properly verified. The continued reporting of a balance suggests an attempt to collect a debt that may have been forgiven or sold, in violation of consumer law. 

3. Request for Verification via 1099-C ( IRS Cancellation of Debt Form ) If this account has been truly charged off, I demand verification in the form of a 1099-C Cancellation of Debt form. Failure to provide this document indicates that the creditor is falsely reporting a charge-off without properly acknowledging the debt cancellation, which is a serious violation of FCRA and IRS regulations XXXX 

4. Violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) Duty to Update and Correct Inaccurate Information The reporting of an account as a charge-off while still listing a balance is deceptive and must be corrected immediately. If the balance is truly outstanding, the creditor must verify that they are legally able to collect on the debt. Otherwise, the balance should be updated to zero.

Action R
equested Remove all inaccurate and unverifiable information related to this account from my credit report immediately. 

Provide written documentation from the original creditor verifying the debt, including a 1099-C form if applicable. 

Correct all inconsistencies between credit bureaus, as failure to report uniform and accurate information is a direct violation of the FCRA. 

Legal Notice As per 15 U.S.C. 1681i, you have 30 days to investigate and correct this matter. Failure to comply will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal remedies against all involved parties. 

I expect a written response confirming your compliance with the law within the legally mandated timeframe. Please send all correspondence to the address above. 

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

I am filing a formal complaint against XXXX, XXXX, and TransUnion for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), as well as breach of contract and deceptive practices. Despite having accounts with these credit bureaus and being promised daily updates to my credit reports and scores, my reports have been deliberately hindered for over 30 days. The bureaus have allowed inaccurate, outdated, and derogatory informationsuch as collections, fraudulent statements, and erroneous payment historiesto remain on my credit reports, which has severely damaged my creditworthiness. Despite multiple formal disputes, the bureaus have failed to correct or update this harmful information, in violation of the FCRA. 

Furthermore, my formal requests for verbal and written communication regarding these disputes have been ignored. Instead, I have been met with malicious tactics intended to delay compliance and avoid accountability. This stalling appears to be an effort to negate their responsibility under the FCRA and FDCPA. I have attempted to resolve these issues in good faith, including proposing arbitration as outlined in my contracts with the credit bureaus. However, their refusal to engage in meaningful communication has left me with no choice but to pursue litigation if this matter is not resolved as required by law. 

I am demanding immediate correction of all inaccuracies, as well as fair compensation for the harm caused, calculated based on each infractions duration and severity. Additionally, I seek damages for the emotional distress and financial injury resulting from their negligence and refusal to act. If these issues are not addressed promptly, I will have no option but to pursue legal action to protect my rights.
Product: Debt collection

Commonwealth Finance placed a collection on my credit reports in the amount of XXXX. 
This collection has been reported and deleted multiple times from several other collection agencies and found to be a fraudulent account. Now, Commonwealth Finance is reporting the same fraudulent account that has been deleted numerous times by other companies. 
I have a fraud alert on my credit reports due to this. 
I have filed complaints with the TX & PA Attorney General 's offices and well as the BBB. This fraudulent collect MUST be deleted. 
Prior to the reporting of the collection I have never received any type of communication from Commonwealth.
Product: Credit reporting or other personal consumer reports

I am seeking your help with this incorrect account listed on my credit report. I raised this issue because its causing harm to my reputation, and I urgently need your assistance. The way you've handled my credit report has caused significant harm, and the incorrect information has devastated my reputation. These mistakes must be resolved so I can live peacefully with my family again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature.

I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 
So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please update my information to it correct, and obtain either, verbal or hand written verification directly from a person at that. 
Please delete/remove the following accounts 1.XXXX XXXX   2.XXXX XXXX 3.XXXX XXXX XXXX 4.XXXXXXXX XXXX 5.XXXX XXXX XXXX 6.XXXX XXXX I have no idea where these accounts are from I was a victim of ID Theft. I am not sure if they are still using my name or not.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

Ive had funds removed from my account without my authorization as well as some fees charged and the main thing is they tell me as a XXXX owner how to speak. Thats illegal. They can their companies how to speak. But they cant tell its customers how to speak. This is a violation of our right to free speech also for them to want or close my account over my language is also not only illegal but its fraudulent. Also as a XXXX business owner this is beyond openly XXXX this a direct law violation.