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

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Dispute of Inaccurate Accounts and Hard Inquiries Dear Sir/Madam, I am writing to file a formal complaint regarding inaccurate and outdated information on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). The following accounts have violated my federally protected consumer rights under 15 U.S.C. 1681, and I am requesting their removal : Accounts in Dispute : XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX : 15 U.S.C. 1681 Section 602 A : I have the right to privacy. 
15 U.S.C. 1681 Section 604 A ( 2 ) : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) : No consumer reporting agency may include information that is over 7 years old.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : Information furnished to consumer reporting agencies must be accurate. 
Additional Concerns : The following hard inquiries on my credit report are also disputed under the FCRA : XXXX XXXX XXXX XXXX  : Unknown. 
XXXX XXXX  XXXX XXXX XXXX Hard inquiry # 1. 
XXXX XXXX XXXX : Hard inquiry # 2. 
According to 15 U.S.C. 1681i and 15 U.S.C. 1681b, these inquiries are past the two-year limit and are not accurate or authorized by me. 

I request that you investigate these accounts and hard inquiries. They should be removed from my credit report as they are either outdated or inaccurately reported. Please provide written confirmation once these items have been removed or inform me if additional information is needed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On Sunday XX/XX/2019, I have made an ATM deposit at a sterling bank in XXXX on XXXX XXXX and XXXX XXXX. I deposited {$1300.00} but I put in the envelop and also keyed in {$1200.00}. I called the branch first thing monday morning the person who answered the phone told me not to worry once they removed the envelop from the machine and count the money they will make the correction. she did not ask me for my account number or any orther information. That did not sit well with me I called back the second person told me the same thing but said by tonight you should see the correction but still did not take my information. I call the next day when I saw the correction was not made. the person I spoke to finally took down my information she check the account and said what ever was found in the envelop was deposited. she said she was going to speak to a supervisor and will call back. she call back stating she was told they found 18 {$50.00} bill and 15 {$20.00} bill, I told her that I knew 100 % that I had {$1300.00}, she just said sorry. a few minutes later the assistant manager called to say she counted the money herself and it was {$1200.00}. I asked if she was the first person to count it she hesitated and said yes than she said sorry darling I asked her to speak to the manager she said I am the assistant manager and hang up. I called the bank head quarter they said to deal directly with the bank. I sent the bank manager an email no response,. I file a complaint with the bank complaint dept no response. It is not about the {$100.00} it is about not being able to trust people in a company that is handling my finances. I am very sad to know for a fact that my {$100.00} was taken and people can be so dishonest specially when those people are handling my hard earn money. I know it is my word against them but I know the truth and whoever open the envelop first knows the truth.
Product: Credit reporting or other personal consumer reports

A letter was sent to resolve I received a response saying settle this debt for a less amount and then they agreed to delete from all 3 credit agencies I called so I can pay they adviced me they never settled for that amount and they said they never agreed plus they have a negative impact on my credit report. It has a profit loss and write off on account which is violating the FCRA LAW. 15 U.S. Code 1692c 15 U.S. Code 1692g 15 U.S. Code 1681 e ( b ), 15 U.S. Code 1635 15 U.S. Code 15 U.S. Code 1692g The law they broke and also if they report a profit loss or write off they have to give me a 1099 and furthermore I wrote a letter saying This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
This needs to be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Since yesterday, I have been trying to opt-out of the automatic opt-in for the terms of service for the Equifax website equifaxsecurity2017.com. There is no option given for opting-into the TOS, therefore it should be invalid.
Product: Debt collection

this company obtained my information without my permission and has been harassing me for a medical debt in the amount of {$160.00} that I did not sign anything agreeing to pay this with their company.
Product: Credit reporting or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately that I have not ever even opened. its says somethings about having two late payments on an account that in fact could have been paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/2024 I'm now requesting you investigate and provide verifiable proof with records showing that their were late payments. If this information can not be verified I demand these payments be updated to paid on time immediately or removed Thank you for your understanding and prompt action please Im begging Im only XXXX and this is considered fraud thank you so very much
Product: Debt collection

Allied Interstate, LLC-representative XXXX XXXX called me while I was at work. This is a new job for me, and has not been listed on any of my student loans or for collections. This representative did not call the main line at XXXX XXXX ; he called the Shared Solutions line for XXXX and asked to the XXXX agent to transfer to me personally. We are a HIPAA entity and have patient sensitive information on our screens all day, but he still called a private line used for XXXX for patients w/ XXXX . He stated that they just received the collection matter from XXXX XXXX XXXX last week on XXXX/XXXX/15 for a debt on a private student loan over {$39000.00}. The rep stated that he had a cell phone number listed and he tried to call it right before calling my work on a HIPAA line ; however after checking my phone records this rep never even tried to call my cell phone ; he just called me at work and not on the main work line, he called on the Shared Solutions/Copaxone line used for patients. He then stated I needed to call him back on my break at XXXX ; so I did twice and the rep never answered and I left 2 messages which were never returned. The rep during the call said, " Why would n't I call you at work you owe over {$39000.00}, and I 'm trying to help you ; I can offer you a deal to get this paid off. '' I have never received any communication via or written from Allied Interstate prior to this call at work. The rep was very rude, and I still do n't know if they actually have this loan in their collection office, and I question that they got the loan in their office on a Sunday XXXX/XXXX/15. My main concern is that Allied Interstate , LLC ( this is where the rep said he worked for ) has had the loan in their office for 1 week, they have n't tried my cell phone if they have no messages were ever left, I 've received no written communication ; the first communication I receive is at my work that the rep called on a private line for Copaxone patients ; also, I was not able to determine if this was a legit company and if they really have the loan in their office to collect on as the rep was vague and rude ; I also returned his call as requested and my call was sent directly to voicemail with XXXX messages never returned. I do not have my current employer phone number listed for any purposes at this time, and not for sure how they even got the XXXX phone number to call me ; which is n't even the employer themselves ( XXXX ) but one of their private patient lines.
Product: Mortgage

In Accordance with the Fair Credit Reporting Act, This Creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 states a Consumer reporting Agency furnish account without my written instructions. 15 USC 1666B A creditor can not treat a payment on Account under an open and Consumer Credit Plan as late for any purpose
Product: Checking or savings account

I filed a dispute of unauthorized charges on XXXX XXXX for the total of {$3200.00} through XXXX. I did not authorize charges and signed an official statement to chase stating that I did n't do so, as well as notified the organization. Today, XXXX XXXX, Chase ruled against me in my claim in their official correspondence letter. I would like to escalate this matter as the transactions were unauthorized and Chase did not rectify the issue.
Product: Payday loan, title loan, or personal loan

I established a loan with West Side Lending XX/XX/2021 for {$200.00}. It was a payday loan. Their website offers a " Member '' selection option to login, make a payment, sign your agreement. However none of the options are working and haven't worked from the time the loan was approved. I was never sent the loan agreement or payment schedule and have no visibility into the status of my repayment. Their communication is lacking in that the phone number is not working and they are slow in responding to email communications. I believe I've repaid my loan in full but they are still withdrawing money from my account.
Product: Debt collection

There was a collection on my credit report for {$660.00} from radius global solutions. It was not mine, it was for my XXXX XXXX XXXX daughter from XXXX for an XXXX visit. We contacted XXXX and they admitted their mistake because they thought my daughter was a minor. They took me off as the responsible party and they contacted Radius Global Solutions twice. I thought this would be an easy process because the bill really isnt mine. But, when I contacted the collection agency and spoke with XXXX XXXX she said that XXXX did contact them on XX/XX/2023 and removed the collection account from their office but they would not remove it from my credit because it has not been settled! WHAT?! I told her that is illegal and shady to try to collect from someone who doesnt owe the bill. They said they record their conversations so her saying that should be on record. I have also attached the bill showing that the bill is not even in my name.
Product: Credit reporting or other personal consumer reports

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 
XXXX XXXX Balance : {$300.00} XXXX XXXX  Balance : {$24000.00}
Product: Money transfer, virtual currency, or money service

Today ( XX/XX/2022 ) I attempted to pay for guitar pedal parts from a vendor ( XXXX XXXX ). They use PayPal as a payment processor so I put in my personal and payment information. When I tried to confirm my payment, it said there was a problem and returned me to the merchant. When I tried to log in to PayPal 's main site, it said my account was permanently limited. I fully believe this to be a mistake as I have not broken any of their policies to my knowledge.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute and bring to your attention violations of my rights under the Fair Credit Reporting Act ( FCRA ) by the following accounts : XXXX Account # XXXX XXXX  Account # XXXXXXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Account # XXXX In accordance with the FCRA, specifically 15 U.S.C. 1681, my rights have been infringed upon in the following ways : Right to Privacy : Under 15 U.S.C. 1681 ( a ), I have the right to privacy concerning my credit information. However, it has come to my attention that the above-mentioned accounts have mishandled my personal information, violating my right to privacy as outlined in the FCRA.

Failure to Obtain Written Instructions : According to 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish information about my accounts without my explicit written instructions. Each of the aforementioned accounts has reported information to credit reporting agencies without obtaining such instructions from me, thereby violating this provision of the FCRA.

These unauthorized disclosures have caused significant distress and potential harm to my credit standing. I am requesting that the Consumer Financial Protection Bureau investigate these matters thoroughly and take appropriate action against the responsible parties to ensure compliance with the FCRA.

Enclosed, you will find copies of relevant documentation supporting my claims, including credit reports, and any correspondence with the respective account holders.

I appreciate your prompt attention to this matter and look forward to a resolution. Should you require any additional information or clarification, please do not hesitate to contact me at the contact information provided above.

Thank you for your assistance in protecting consumer rights under the FCRA.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ca XXXX Subject : Opt-Out Request and Notice of Violations Under the Fair Credit Reporting Act Dear Equifax, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX writing to bring to your attention several concerns and violations of the Fair Credit Reporting Act ( FCRA ) as outlined in the United States Code XXXX 
DATE OPENED XX/XX/2018 According to XXXX XXXX XXXX, section XXXX ( a ), the XXXX emphasizes the importance of ensuring that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. Equifax and XXXX, being consumer reporting agencies, are bound by these principles, as am XXXX, the consumer. 

XXXX XXXX XXXX underscores the policy that financial institutions, including XXXX XXXX XXXX, have an affirmative obligation to respect the privacy of their customers and protect the security and confidentiality of nonpublic personal information. 

However, I wish to assert my rights under XXXX XXXX XXXX, section XXXX ( a ) ( XXXX ), which states that a consumer reporting agency XXXX only furnish a consumer report in accordance with the written instructions of the consumer. I have not provided written consent for the sharing of my information, and therefore, any assumed consent is hereby revoked. 

Furthermore, according to 15 USC 6802 ( b ) ( c ), a financial institution must not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. XXXX XXXX XXXX failed to inform me of my right to exercise this option. 

In addition, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from making consumer reports containing adverse information without explicit consent. The reporting of adverse information by Equifax and XXXX without my permission constitutes a violation of this provision. 

Under 15 U.S. Code 1681s2 ( A ) ( 1 ) A, a person must not furnish inaccurate information to a consumer reporting agency. I demand that you cease furnishing any information related to me until you can verify its accuracy. 

Equifax and XXXX are obligated by 15 USC 1681e to maintain reasonable procedures designed to avoid violations of the FCRA. The reported violations indicate a failure to uphold this obligation.

Lastly, in accordance with 12 CFR 1016.7, I am hereby exercising my right to opt-out of your reporting services. I expect prompt action to address these concerns and to cease any further unauthorized disclosures of my information.

Please provide a written response within 30 days detailing the actions taken to correct these violations and confirm my opt-out request. If you require any additional information to process this request, kindly inform me promptly. 

Thank you for your immediate attention to this matter. 

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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

REMOVE THIS FRAUDULENT HARD INQUIRIES ON MY CREDIT REPORT IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

I co-signed for an auto loan with my son on XX/XX/2021. Before going to the dealership, I had approval from my bank, and they confirmed they'd be able to pull that authorization and deal with the bank directly to finalize the loan. While we were at the dealership awaiting the paperwork, my phone was going off with multiple e-mail credit inquiry notifications. 

I panicked and asked the salesman why this was happening, as I had approval from my bank and didn't authorization any additional credit pulls. They assured me they were only checking with XXXX XXXX  to see if there was a better rate available and not to worry, as by law these would all show up as 1 credit pull. I was surprised to find out last week that my credit report now shows multiple credit inquiries, which doesn't look good to any future potential creditors if I intend to do any more financing and furthermore impacts my line of work, as many of the contracts rely on clean reports on the soft pulls. 

I went into the credit reporting agencies to find out how to dispute these and have to mail them complaints as well as file it here, which is terribly time consuming.
Product: Debt collection

Grimm collection repeatedly called me. harassing me in regards to this debt asking me what I plan on doing about it failed to identify who they were until I said I was who they were looking for told me I needed to pay the debt asap before the amount gets to high and wages get garnished they are unprofessional and intimidating I had to block their number from them calling multiple times then they called from different numbers so I changed my number twice .... it's impossible to communicate with them cause they don't want to hear anything but when will you pay ....
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the correction of inaccurate data on my credit report regarding late payments. It is crucial that this account is corrected to accurately reflect the payments and that any erroneous information is rectified promptly. 
In cases where delinquency is reported, I insist that the payment date be appropriately reflected to cover the delinquent period. Any reported late payment was rectified by making a payment within a reasonable time-frame. Therefore, I expect the credit report to accurately represent the payments made, without any indication of missed or late payments. 
Regarding the account : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, URGENT : XX/XX/XXXX My name is XXXX XXXX I have been trying to get an issue resolve with Capital One since XX/XX/XXXX with no resolution. I have an account that has been removed off my XXXX Report in error due to a dispute. I have call and emailed XXXX and was told that Capital One has to report the account as an open and Valid account. I have called a number of times one day in XX/XX/XXXX, XX/XX/XXXX and multiple times in XX/XX/XXXX. I was disconnected from mangers like 4 times. Of courses they NEVER called me back. I was told in XX/XX/XXXX that it will take up to 60 days to have the accounted corrected with XXXX. Im writing this letter at this point in hopes that I can get a resolution with someone that knows how to do their job. I have lost ALL CONFIDENCE with the Managers that Im immediately transferred to EVERYTIME I call. I would greatly appreciate an email, phone call, or a letter letting me know that the issue is in the process of being resolved. 

Thanks in Advance, XXXX XXXX XXXX XXXX Last four of account number=XXXX Last for of SS # =XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete all inaccurate information on my transunion report. checking the file ive noticed alot of data is incorrect. please delete and review all information submitted in the files asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing on my credit reports never had XXXX XXXX. I have lived in XXXX County Florida for 24  years and had XXXX County XXXX XXXX for all 24 years not my account
Product: Debt collection

PayPal Credit established an account in my name without authorization and subsequently sent this account to collections.

I did not agree to become indebted to PayPal Credit. I did not authorize PayPal Credit to create a debt in my name.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Items to Dispute : Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX