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

According to 15USC1681A2AI- All Transactions which includes late payments and all experiences which includes utilization needs to be removed from all credit reporting agencies. This includes late payments because thats a transaction. And experiences include amount of usage I have used. Such as % of credit used.

Also I demand to Remove any 3rd party debt collections. They obtained my information unlawfully. Also, I demand any older reporting to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously reported that XXXX XXXX XXXX was refusing arbitration as per the terms of the lease contract to resolve a dispute. Now they have reported to XXXX that I am delinquent on my bill negatively affecting my credit score. Arbitration was contractually the path to go forward and they are refusing and now filing innaccurate credit reports. I see CFPB fined XXXX last year for doing these kinds of things. I would PLEASE like CFPB to intervene. I am happy to abide by the outcome of arbitration as that is the point of arbitration. XXXX made me sign that this this is what we would do in the case of dispute. They need to live by their own terms. I have requested arbitration repeatedly on the phone and with two registered letters. They ignore the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section
States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Mortgage

I have a conventional mortgage with investors Bank ( formally XXXX XXXX ) since XX/XX/XXXX. I paid down less than 20 % of the load which requires me to have a Private mortgage insurance. I 've been making extra payments on the account each month which reduced my loan-value-ratio significantly. My PMI based on the disclosure statement is due to be dropped in XX/XX/XXXX. In XX/XX/XXXX when my loan reached 80 % of the loan to value ratio informed Investors Bank in writing twice for a removal of the PMI. The last correspondence was XX/XX/XXXX. My loan to value ratio is currently at 73 % ( Original home value {$200000.00} with current balance less than {$140000.00}. They failed to drop the PMI, stating that it 's due to be removed in XX/XX/XXXX and that I need a new appraisal ( they will have an appraiser from their bank contact me. To date I 've not been contacted by an appraiser ) to ensure that the property have n't decreased in value. My question is, should n't the PMI be dropped automatically when conventional loan reached 80 % of the original value based on federal law?
Product: Credit reporting or other personal consumer reports

I have tried Factor trust and they don't provide me with my credit report.
Product: Checking or savings account

I received a email say they were closing my account for wrongful conduct according to their rules. And I refused to accept that. And ask for proof and a statement detailing why they were doing this to me. I am XXXX and I can't get out and around much. And I even asked if they would put it off a until I had time to find another bank and get the process started. I told them that cash app was how I paid my bills. I would lose my car my house my electric. I was just living from check to check anyway. I begged please don't do this to me. And they never answered me back. And way I lost almost everything I had. Cause they would give me time to find another bank. They would even consider trying. I wasn't costing them any money.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the claimed balance of {$1100.00} on my account, as per complaint number XXXX, and to address the unlawful reporting of these disputed charges to credit bureaus, which I believe violates my consumer rights under federal and state law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX : As previously stated, my apartment suffered from severe infestations and mold, making it uninhabitable. Despite numerous requests, these critical issues were not resolved, breaching the implied warranty of habitability as guaranteed under [ Your XXXX ] XXXX XXXX ( specifically, [ cite relevant statute ] ). 

Improper Use of Security Deposit : The security deposit should cover any claims for damages due to conditions that were beyond my control and responsibility. The request for additional payments is unjust, especially when considered against the backdrop of your failure to maintain the property as legally required.

Illegal Credit Reporting : Furthermore, the action taken by XXXX XXXX XXXX  to furnish this disputed debt to credit reporting agencies prior to the resolution of this dispute may constitute a violation of the Fair Credit Reporting Act ( FCRA ), which requires creditors to report only accurate and fully verified information to credit bureaus. Under the FCRA, I have the right to dispute inaccurate information, and creditors are obliged to refrain from reporting disputed amounts until such disputes are resolved. Additionally, [ Your XXXX ] XXXX XXXX XXXX ( [ cite specific statute ] ) also provides protections against unfair billing and credit practices. 

Request for Immediate Correction and Account Review : I request an immediate retraction of the debt reported to the credit bureaus until our dispute is formally resolved, in accordance with the FCRA and state law. I also insist on a thorough review and adjustment of my account, considering my detailed objections to the charges and the propertys failure to meet legal habitability standards. 

I urge XXXX XXXX XXXX to address these concerns promptly and in compliance with all relevant laws to correct any inaccuracies in my credit report and resolve this financial dispute fairly. 

Thank you for your attention to these serious matters. I anticipate your cooperative resolution and await your detailed response. 

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

Over several years, I have disputed multiple accounts on my credit report, as I do not believe these accounts are mine. Each time, I have requested proper documentation to verify the legitimacy and accuracy of these accounts, including signed contracts, account applications, or any evidence linking me to them. Despite my repeated disputes, the credit bureaus have failed to provide any proof or documentation. Instead, they continue to " verify '' the accounts without disclosing how this verification was conducted or what evidence was used. 

This ongoing behavior raises serious concerns about their verification practices and constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires that all reported information be accurate, complete, and verifiable. The credit bureaus ' failure to produce evidence supporting these accounts, while continuing to report them, is both unlawful and damaging to my credit and financial stability. 

Since I do not believe these accounts are mine, and the credit bureaus and data furnishers have consistently failed to provide proof, they are legally obligated to delete these accounts from my credit report immediately. I am requesting an urgent investigation into their illegal verification practices and demanding the immediate removal of these disputed accounts.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has an incorrect email associated with my credit file and membership information. I wrote Experian and mailed a letter XX/XX/21 providing a copy of my identification, Social Security Card, and XXXX utility bill to confirm my identity and update my information. I can not access my Experian account on their website and they continue to retain an old email that is on the dark web and has been used in attempts to steal my identity. I attempted to contact them when an inquiry into my credit file was reported by XXXX and noticed that Experian has a second email that does not belong. My email address is XXXX, when I provide it I do not receive a link to reset/update User ID and password. They have a similar email but it does not belong to me, this is an issue that I have not been able to resolve with Experian after several attempts on their automated call service with a wait of up to 30+ minutes.
Product: Debt collection

I declare under penalty of perjury that the statements herein are true and correct to the best of my knowledge. I certify that I am permitted by FEDERAL and STATE LAW to dispute this alleged debt and commence this complaint. I also understand that knowing and willful misstafements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001.

Additionally, any false statements are punishable as perjury under 10 USC 1621. This collection that is being furnished on my consumer report is not related to any transactions that I made. I believe that a person or company- without my authorization- used my personal identifying nonpublic personal information to apply for goods, services, or money deceptively and unlawfully opened this account. Complaints are being filed with the Federal Trade Commission as well.
Product: Credit reporting or other personal consumer reports

Tuesday XX/XX/year>, XXXX XXXX sent me an offer letter with instructions for the new hire process. The process includes but are limited to a Background Screening and list of References before initiating the onboarding docusign and W4 forms. XXXX XXXX outsource a third party vendor named First Advantage to conduct Background Screening. On Tuesday, XX/XX/year>, I completed my profile requirements to conduct the Background Screening. Approximately Friday, XX/XX/year>, I received an email fro First Advantage, stating " Here is information regarding your background screening report with XXXX XXXX XXXX. Please review content for detailed information. If you have any questions please contact First Advantage Consumer Center at the toll free number included in the letter ''. Per the letter there are approximately 10 charges that are falsly reported, along with an unverifiable address on my consumer report. I immediately called to dispute the charges. On Friday, XX/XX/year>, I called the toll number XXXX, listed on the letter and the representative that I spoke with addressed herself by the name XXXX. XXXX reviewed my information and conducted the call to offer assistance. XXXX proceeds to provide me with a email address to send a copy of my photo ID. Before I could confirm the email and the following procedure to confirming that my dispute was filed, XXXX disconnected the call. Her professionalism was absent and I am left to believe that my dispute has not been properly recorded in their system. Due to the weekend and upcoming holiday, I have not yet been able to seek resolution of this matter.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a complaint against XXXX, Transunion and XXXX for furnishing transactions on my credit report that is excluded by law as per the FCRA 15 USC 1681a 2Ai. ( The following account reporting ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX They are reporting these transaction as Late, ( 2 ) Exclusions.

Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My Transactions or experiences with those company by law are excluded from my consumer I need this transaction or experience deleted from my consumer report. The only way a corporation can possibly report a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I am concerned that these negative reporting are impacting my ability to obtain credit, rent an apartment and find employment
Product: Student loan

My student loan payment is $ XXXX/month. I was placed on a IDR on XX/XX/XXXX. On XX/XX/XXXX I made a payment of {$800.00} via ACH Debit from my checking account to satisfy XXXX and XXXX monthly payments. On XX/XX/XXXX I received an email from Navient confirming receipt of my payment in the amount of {$800.00} stating the payment posted to my account on XX/XX/XXXX. I went online to make my monthly student loan payment on XX/XX/XXXX and my account showed a payment due of {$880.00} with a past due amount of {$480.00}. I immediately called Navient to report the discrepancy. The representative stated that he was unaware of why the full payment was not applied to my account. I then spoke with a supervisor who stated that I would need to provide Navient with my bank statement to prove the payment was made, which I refused to do. I then requested the Department of Education 's number from Navient to complain about the mismanaged payment. Navient provided the number XXXX which is not the correct number for the Dept. of Ed. I then contacted the Dept of Ed. and was transferred to the Ombudsman group ( case # XXXX ) and told that I needed to contact Navient 's Advocate group which I attempted via phone and email. I have since notified Navient that I do not trust their accounting procedures and am refusing to make further payments. Given the above, Navient has negligently handled my payment, is actively operating a business to defraud consumers, is operating in a manner which is deceptive and unfair to consumers and Navient is wrongfully seeking collection of funds that are not legally owed.
Product: Checking or savings account

I filed a claim with BOA regarding an event wherein XXXX XXXX charged me {$500.00} for a hair process that I was quoted {$250.00} to {$300.00}, and they ruined my hair, literally damaged my hair with bleach, gave me highlights that I did not agree to. I called BOA and spoke with a lady named XXXX, Claim # XXXX. During our conversation she mentioned " previous claims '' which literally have no bearing upon this claim, and she asked me multiple times " how '' my hair was damaged and I shared the same information twice stating my hair is burnt, and I lost hair on my crown. She was punitive, and insisted I fax supporting documentation rather than upload it, stated that she did not know if I would ever be credited for my dispute. Falsely accused me of not having to pay for my hair to be fixed because it did not show up on my BOA account, and I have other bank accounts, I finally hung up.
Product: Debt collection

On XX/XX/2020 is was brought to my attention by XXXX XXXX that a collections account had been placed on my credit. This astonished me as I have very good credit, always pay my bills and have never had a collections account. In logging in with XXXX  it shows with Allied Collection Services on behalf of XXXX. I have no idea what this is. I have never owned a XXXX line or ever attempted to open one. My wife and I have XXXX and have had them for over 17 years which can be verified with them. I've contacted Allied and they've said there is nothing they can do to help me dispute this as they are representing XXXX. I've contacted XXXX and they've said there is nothing they can do. I filed the dispute with XXXX  and it appears they just said they " verified '' this with the lender. That doesn't help me at all based on the fact that this is not my debt!!!! I need help from someone. 

This does not belong to me or my social security number. I'm happy to show or verify all my information including an investigation if needed by picture in stores as I've never been in a XXXX store. I'm in law enforcement and this is fraud filed on my credit.
Product: Credit reporting or other personal consumer reports

Kohls/capone This account was past due as of XXXX due to divorce. They are reporting that my account is past due of XXXX days as of XX/XX/XXXX. I settled this account for less than full balance on XX/XX/XXXX with XXXX. Kohls say they cant do anything that XXXX is reporting incorrectly and XXXX says Kohls is. No one is willing to help me.
Product: Credit card or prepaid card

In XX/XX/2022 a credit card with Milestone/Genesis FS Card Services was opened in my name fraudulently. I have not applied for this card nor have I applied for or received any Milestone credit card in my name. I contacted Milestone on XX/XX/2022 and reported the fraud due to receiving a statement for a {$170.00} annual fee charged to the account. I confirmed with Milestone that no card has been issued on the account and there have not been any charges made to the account aside from the {$170.00} annual fee. The Customer Service Representative I spoke with at Milestone has filed an Identity Theft/Fraud Complaint and advised me to submit the same through FTC to report this as identity theft/fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has several loans on my credit report as open even though I had consolidated and have been paying XXXX for over seven years. they keep updating my credit report with an increasing balance. I have contacted XXXX  and they have no record of having an account with them. I've have tried disputing on my credit account but they come back verified and accurate. please help.
Product: Money transfer, virtual currency, or money service

I have been a premium customer of Comerica Bank for XXXX  years. On the morning of XX/XX/XXXX, I received an email from Comerica stating that an amount of {$2600.00} was transferred via XXXX to somebody that I did not know. I immediately contacted Comerica and notified them that this was a completely fraudulent transaction as I had no idea who this person was. I insisted that Comerica should immediately suspend the transaction and refund the amount that was fraudulently taken out of my account. Despite my repeated requests Comerica refused to do so. All they said was that they would have to conduct an investigation that would take 10 days are more and after that investigation they would let me know IF the money could be refunded to my account. They said they were not liable for XXXX fraud and implied that I may be at fault. This is extremely stressful and scary that a big bank would just let this happen with no concern for customer protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

RECENTLY I LOOKED AT MY CREDIT REPORT. AND IT BOUGHT TREMENDOUS SADNESS. I HAVE BEEN DOWN AND FEELING SUICIDAL LATELY THIS IS A HARM AND DEFAMATION TOO MY CHARACTER I FOUND EVIDENCE THAT YOUR ORGANIZATION DIDNT DOUBLE CHECK FOR ACCURACY BEFORE REPORTING IT IN ACCORDANCE WITH SECTION 1681 ( e ) b accuracy of report of the United States code ( 15.U.S.C. WHEN A CONSUMER REPORTING SERVICES CREATES A REPORT ON AN INDIVIDUAL THEY ARE REQUIRED TO TAKE A REASONABLE MEASURES TO ENSURE THE DATA IS ACCURATE AND FEASIBLE IN ACCORDANCE WITH SECTION I ( 5A ) of title 15 of the United States codes deals with how false or questionable facts are handled under 15 u.s. code1681a ( 3 ) 3