23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX have violated my rights. 

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 : A consumer reporting agency can not furnish an account without my written instructions.

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 for any purpose.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against XXXX/DoFed for reporting my student loan on my credit report without my authorization, which I have never grantedeither in writing or in person. I contend that this practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., because the permissible purpose for accessing and reporting my credit information was strictly limited to evaluating my creditworthiness for the initial loan application. 
1. Lack of Any Authorization I did not provide XXXX or the Department of Education with any authorizationneither in writing nor in personthat permits them to access, report, or transfer my credit information. My consent was solely given to the original lending institution for the purpose of evaluating my creditworthiness to extend a student loan. 
Under 15 U.S.C. 1681b, any entity that accesses or furnishes a consumer report must have its own permissible purpose. Since I never signed or agreed to any separate authorization for XXXXDoFed, they do not have a lawful basis to report my personal credit information. 
2. Unauthorized Transfer of Permissible Purpose My authorization to the original lending institution was narrowly defined for assessing credit for the loan. It does not extend to any third-party servicer, including XXXX/DoFed. Transferring my credit information to them without obtaining a new, explicit consent is not permissible under the FCRA. 
Therefore, the act of reporting my student loan data by XXXXDoFed is conducted without the legally required permissible purpose. 
3. Violation of FCRA Provisions and Consumer Rights The FCRA mandates that only those entities with a proper, documented authorization may access and report a consumers credit information. By reporting my loan without my explicit consent, MXXXXDoFed is not only misusing my credit data but is also in violation of my rights under the law. 
Furthermore, if XXXXDoFed is unable to provide incontrovertible evidencesuch as a signed document or any form of verifiable authorizationproving that I consented to this reporting, they are obligated to remove all references to this account from my credit reports immediately. 
4. Request for Immediate Action I demand that XXXX/DoFed immediately cease and desist from reporting my student loan data on my credit report unless they can provide legally valid proof of my authorization. 
If no such evidence exists, I request that all reported information regarding this account be removed from my credit files promptly, in accordance with the FCRA and relevant consumer protection laws. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and enforce compliance with the FCRA, ensuring that XXXX/DoFed refrain from reporting my credit information without proper, documented authorization. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Several letters has been sent regarding account that is not in my name XXXX XXXX but is reporting on my report. I have attached bill statement from company. 

I am writing to formally dispute the charge-off account listed below, as it remains inaccurate, not me and unverifiable on my credit report. This is my third dispute regarding this matter, and I demand that it be properly investigated and corrected under my rights granted by the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Creditor/Collection Agency : XXXX XXXX Account Number : XXXX Legal Violations & Grounds for My Dispute XXXX. Failure to Verify Accuracy FCRA 611 ( 15 U.S.C. 1681i ) Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you must conduct a reasonable reinvestigation within 30 days of receiving my dispute. 
I demand verifiable proof, such as a signed original contract and full account payment history. If you can not provide this documentation, the charge-off must be removed immediately. 
XXXX. Unverified or Incorrect Reporting FCRA 623 ( 15 U.S.C. 1681s-2 ) Under 15 U.S.C. 1681s-2 ( b ), data furnishers must only report accurate and verifiable information. 
If the original creditor has sold this debt, they are legally prohibited from continuing to report it as a charge-off. 
If the account has been paid, settled, or is inaccurate in any way, failure to update this information is a violation of federal law. 
XXXX. Misleading or Deceptive Reporting FDCPA 807 ( 15 U.S.C. 1692e ) Reporting an account inaccurately or failing to verify its legitimacy is considered false or misleading information under federal law. 
If this charge-off has been re-aged or the date of first delinquency has been misreported, it is a violation of FCRA 605 ( a ) and must be corrected immediately. 


Enclosures : I have enclosed supporting documentation stating that this account is not mine and is not listed as XXXX XXXX. 

My Demands & Next Steps If you can not verify the accuracy of this charge-off, you must delete it immediately per FCRA 611. 
Provide a detailed explanation of the reinvestigation, including the documentation received from the data furnisher. 
If you fail to remove or properly verify this account, I will file complaints with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) State Attorney Generals Office Furthermore, I reserve the right to seek legal action under FCRA 616 and 617, which allows consumers to recover damages for willful noncompliance. I expect a resolution and written confirmation within 30 days. Please send me an updated credit report. 

Sincerely, XXXX XXXX I did not authorize these hard inquiries. 

Remove all hard inquires as well XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. This account has never been verified as it shows on my consumer report. The account is charged off but showing a balance owed on my consumer report. As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate.
Product: Debt collection

I receive a letter from a company by the name of On Line Information Services addressed to a XXXX XXXX at my home address stating XXXX XXXX owes a debt to a utility company by the name of XXXX XXXX in the amount of XXXX as of XX/XX/year>. 

My name is not XXXX XXXX and I have never had an account with XXXX XXXX and they are mailing this to my current home address. I told them I am not XXXX XXXX and I have never had an account with XXXX XXXX and never heard of them and had no need for utilities as I had utility service already through another utility provider. 

I called them on XX/XX/year> and speak with a live representative as they want to verify that my name is XXXX XXXX and it is not. The representative hung up on me as I was trying to give her the information form the letter said unless I verify my name with them they would not talk with me and they mentioned it is not on my credit report because of the address does not match?
Product: Checking or savings account

I attempted to open an account in XX/XX/2022 with navy federal and had to submit verification of my ID. The account was never opened. I tried again in XX/XX/2022 through being referred by my spouse since we live together. I never received any correspondence at all about the account being opened. My spouse attempted to add me to her credit card with my SSN as an authorized user and was unable to do so as it states I have to use the access number assigned to me. I never received any correspondence about the account being opened and do not have any access number.
Product: Vehicle loan or lease

When I originally loaned my car from Mercedes in 2022, the payment portal did not work properly and I was unable to make a payment. I called in multiple times to fix the issue and ended up having to pay extra fees through the payment processor repay to pay the lease. Despite having to pay extra fees to pay via credit card v. ACH transfer, Mercedes still reported my account as missing two payments over 30 days. This has negatively impacted my credit score. I have repeatedly attempted to dispute the late payments on my credit report to no avail. I have made all of my payments on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regard to the incorrect items on my credit report, it has been well over 30 days and still haven't received any investigation results.
Product: Credit reporting or other personal consumer reports

I requested removal of Bridgecrest account..the account is over 10 years. The account was opened in XX/XX/XXXX. It was paid off in XXXX charged off in XXXX. In the past I've had issues with an account that was paid for and a car I no longer own.
Product: Debt collection

XXXX refused to refund an order that was returned, Synchrony-Bank closed my account and keeps calling saying I owe them the money when the product has been returned
Product: Credit card or prepaid card

On XX/XX/XXXX I received an email stating that my American Airlines account was terminated. I have been unable to use my miles that were awarded to me by Citibank since XXXX with no prior notice that my account was under review. I received various credit card sign up bonuses that included American Airlines miles between XX/XX/XXXX and XX/XX/XXXX and now am unable to access both my AA account and any miles that I have previously been awarded with. This leaves me alarmed that Citibank would approve me for a credit card that included a sign up bonus with American Airlines if I can lose all of my miles without use and without prior notice. I can also no longer gain miles by using my Citibank credit card and so the offer that I applied and was approved to is no longer applicable.
Product: Credit reporting or other personal consumer reports

Bottom line : An erroneous report from Experion is ruining my credit rating. Experion will not provide details to justify their claim of 6 late payments on some unknown activity despite numerous attempts by both email and phone to get Experion to tell me what activity they are referring to that they claim I had 6 late payments on. This erroneous report needs to be corrected and my credit rating restored to " excellent ''.

Experion must provide a correction or justification with details of their claim.

To note : Experion stated they got their information from XXXX. This information is not true. I have a report from XXXX that states " excellent '' and does not show 6 late payments anywhere. 

I have tried for 4 months to resolve this with Experion to no avail. 

Please help!
Product: Debt collection

Continued robo-calling for someone else. We do not owe the debt for which they are calling. Number calling is XXXX ; last call was at XXXX XXXX XXXX XXXX which is a Sunday.
Product: Credit reporting or other personal consumer reports

hello I am reaching out for the cause of a Dispute of Inaccurate Credit Report Items with XXXX, XXXX, and XXXX. I am writing to formally dispute XXXX items on my credit report, specifically credit collections and Fortiva. While searching for a home for my family, I discovered that these items were inaccurately verified. Despite never having a contract with credit collections, and Fortiva 's statement that they do not own the account, they continue to report to the credit bureaus. The credit bureaus ' investigation, completed in under 24 hours, failed to provide the investigation process or proof of contract with a wet signature, as requested. however, XXXX XXXX did remove credit elections! I kindly request that these items be removed immediately, as their inaccuracy is hindering my ability to provide a safe shelter for my family. I have attached relevant documentation. Thank you for your prompt attention to this matter. Please do not hesitate to contact me at XXXX if you require further information.
Product: Credit reporting or other personal consumer reports

I want to clarify that I had some difficulties with my car payments a few months ago, but I have since paid off the debt in full
Product: Credit reporting or other personal consumer reports

This credit agency is reporting on my credit illegally. This company is not licensed in my state which is South Carolina. Also Ive never done any business with this company ccs or given any other company the permission to give or sell my information to this company. Identify fraud this company should not have any of my personal information.
Product: Credit card or prepaid card

In XXXX Discover Card called me about an overdue balance to a card I never applied for. The account was closed, I talked to the fraud department, and was then informed that the statements were being emailed to XXXX XXXX XXXX XXXX. I told the fraud department I would get back with them so I could look into this matter. She admitted that she had applied for the Discover Card in my name but without my knowledge. I called the fraud department back and told them at that time I did not want to charge her with fraud due to her being XXXX XXXX XXXX XXXX. The balance was {$6000.00}.? and I paid around {$4000.00} to make the balance to be {$2400.00}. Thinking the account was closed, I set up payment arrangements to pay on the remaining {$2400.00}, not realizing that the statements were still being emailed to XXXX XXXX XXXX XXXX. I received another call from Discover Card several months later stating I owe them around {$10000.00} now. Discover Card re-instated the card, without my knowledge, allowing her to keep committing fraud against me. I have been paying on this account for XXXX  years now, and arguing with Discover Card about this fraudulent activity and their mistake of re-instating this card without my knowledge. A letter was sent from my lawyer to Discover Card and still have not heard back from company regarding this letter. My lawyer said I should contact you.
Product: Debt collection

About 4 years ago when I was married. My partner and I visited a gym we're looking into memberships at that time I left wondering around touring the gym myself and he was handling the memberships, presumably what happened isn't that he signed me and him up for the membership for this gym that I did not know that I was a contracted or anything I just trusted his judgment on that up until we he didn't want to pay and had no idea it was even in contract that he signed for me under my name. Attempted many times to try to tell the company what happens they keep ignoring me or giving me the one around
Product: Mortgage

I have requested assistance about this in the past. But now things havechanged. My brother bought the house owned by my mother. It wasfinanced for fair market value, @ {$77000.00}, at a local bank. We put life and XXXXinsurance on it. Chase Bank came along, re-apprised the house internallyfor {$200000.00} dollars. This, based on my Inquiries with other banks andreal estate agents was totally incorrect. The result, he refinanced, lost theinsurance, became XXXX, paid XXXX in payments, is nowdeceased and the family will lose the house. If Chase had never overvalued the house back in @ 2005, my brother would have left things asthey were. The money he paid Chase could have gone toward betterhealth care for him.
Product: Credit reporting, credit repair services, 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 and it is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$1900.00}, XXXX XXXXXXXX XXXX Balance : {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I realized my address and phone number were incorrect on my Ally financial anuto loan account after a payment was made. I have absolutely no association with that address or phone number. I contacted them to correct the information and where this information was obtained it was not on my initial loan application and had not changed since then. 

This loan as initiated on XX/XX/XXXX, and the original loan application ( which I still have a copy of ) is all correct information, and auto debit was set up without issue 10 days after the loan was signed for. 

On XX/XX/XXXX, I received a notice on my credit report of a late payment from the payment that was returned by my bank and filed a dispute with the credit bureau and the lender. I have received no information, calls, emails, or written correspondence from them and have not received any resolution to the late payment/info dispute. 

Since then, the bank has been contacting my family by name, who have no association with the loan or any of my personal information and I have not given consent for them to be contacted on my behalf, as many as XXXX times per day requesting that they contact me or make the payment on my behalf ( which they have no legal basis to do, ask, or acknowledge my loan ). 

This includes a total of XXXX calls to a XXXX party regarding my loan on XXXX Sunday ( XX/XX/XXXX ). The times he was contacted was XXXX PT, XXXX PT, XXXX PT, and XXXX PT. Not only does the initial call they regularly make go against FDCPA regulations, theyve now started to contact and provide personal information and attempt to collect payment from them on a Holiday. Screen shots from the 3rd partys device have been added below to substantiate the time of these calls.

Lastly, the lender has made no attempt, despite my actionable contact and correcting the information on their online portal, to correct the information on my actual credit file, including the address, late payments, and cease contacting 3rd parties on behalf of my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take note that this student loan from XXXX  XXXX  XXXX  was never paid late.. I have never been late on this account. The date of last activity is incorrect.. Credit Bureaus were not able to fix it, Please step up and fix the account from my credit report
Product: Credit reporting

can not contact experian, requesting a credit report online gets to an 'unknown error ' page, and asking me to send them a letter by US postal service - seems like they do not provide a service that works for what is available in 2016, artificial impediments.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 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 : XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  OK XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 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 ). 

I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Checking or savings account

I have been using Capital One 360 bank for a few years now and everything has been great. A little over 2 weeks ago my 3rd party accounting apps started to be blocked by Capital One 360. I have been working with both sides ( Capital One ) and the 3rd party accounting applications to try to pinpoint the issue. Capital One confirmed that they have issues on their end and have a team dedicated to the issue but I only get this information from them at certain times. The rest of the time they either say there is no issue or that they're not allowing some 3rd party apps to access their data for security reasons. When I present this information to the 3rd parties they claim that Capital One may be trying to intentionally block some 3rd party apps to drive traffic to preferred vendors. If this is the case, which I can not confirm myself without some help from an enforcement agency, then they are breaking rules. I have the right to access my data through whichever vendor I choose, not just the big ones.

The two cloud accounting applications that have been affected on my end are XXXX XXXX and XXXX. XXXX partners with a data provider known as XXXX and XXXX uses one called XXXX.