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

In accordance with the fair Credit Reporting act. The list of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX  XXXX  Account # XXXX has violated my rights XXXX  XXXX Account # XXXX**** has violated my rights XXXX Account # :XXXX****has violated my rights XXXX XXXX XXXX XXXXXXXX Account # XXXXhas violated my rights XXXX/XXXX  Account # XXXXhas violated my rights XXXX  XXXX Account # : XXXXhas violated my rights Bankruptcy Reference # : XXXX violated my rights DPT ED/XXXX  Account # : XXXX violated my rights DPT ED/XXXX  Account # : XXXXviolated my rights DPT EDXXXX Account # : XXXXviolated my rights DPT EDXXXX Account # : XXXXviolated my rights DPT EDXXXX Account # : XXXXviolated my rights DPT ED/XXXX Account # : XXXXviolated my rights DPT ED/XXXX Account # : XXXXviolated 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 information is inaccurate.
Product: Mortgage

Under previous complaints with CFPB where a complaint was submitted regarding the accounting of this loan # XXXX, the mortgage company failed to provide me with options for loss mitigation. I was only notified XX/XX/2023 by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX that SPS notified them that foreclosure proceedings had commenced and my coverage would be cancelled XX/XX/2023. I did not receive a written notification at the property address of XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX from SPS, Inc of foreclosure proceedings nor did I receive loss mitigation options. I contacted SPS, Inc XX/XX/2023 and spoke with a representative regarding one loss mitigation option ( repayment plan ) that was sent electronically through SPS portal and subsequently submitted an appeal due to not receiving the one option. I requested an application to see if I can do a modification and I was advised by SPS, Inc that no other options were available to me.
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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX Balance : {$9300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 



XXXX XXXX, account number : XXXX ; 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 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 items of information, other than records of convictions of crime which antedates the report by more than 7 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 have reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report that I am unaware of. I tried to resolve the issue with the creditors but there was no resolution. 

XXXX XXXX XXXX XXXX  ) attempts XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  ( XXXX ) attempts XX/XX/XXXX ( XXXX ) attempt XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 Section 602A. States I have the the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also state
s 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 then seven years. 

US Department of Education : XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Debt collection

ON XX/XX/2021 i received a letter from this organization without my direct consent. This communication is an attempt to collect a debt. This communication violated several of my federally protected consumer rights. In addition this communication is false misleading and is a direct violation of 15 USC 1692e3. As a consumer I have a right to privacy and my privacy has been breached. My attached affidavit of truth as original creditor and Credit Card ending in 6196 with attached Exhibit contains detailed list of the violations committed.
Product: Credit reporting 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 168b permissible purposes of consumer reports. 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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT XXXX : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : Untitled ACCOUNT NUMBER : XXXX ACCOUNT NAME : Untitled ACCOUNT NUMBER : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of the many that I sent that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

The following account need to be removed as they are fraudulent. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$0.00} If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Product: Debt collection

DEAR BANK OF AMERICA ; I have disputed this item with the XXXX XXXX XXXX and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Debt collection

This is my work number and they are calling this and my personal cell more than 5 times in an 8 hour period I have received calls as early as XXXX and after XXXX. They have also called my son and sister repeatedly as well as my landlord.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the end of my lease agreement with XXXX XXXX for my 2015 XXXX XXXX lease, I was not made aware of the {$390.00} disposition fee. I received a final bill after the lease was up onXX/XX/18 in the amount of {$0.00}. 

No calls were made to me in an attempt to collect the debt of {$390.00}. It was only after checking my credit report when I noticed that the score had severely dropped due to this disposition fee that I was not made aware of. Because XXXX did not receive a payment in this amount, they " forgave '' my fee and claimed that they covered the debt on my behalf. This was not preferred on my behalf. 

Once I called XXXX and became aware of the fee, I immediately paid the debt and have received confirmation of the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I filed a dispute with Equifax on a hard hit inquiry from XXXX XXXX XXXX XXXX Ga which I did not authorize..I did not dispute that at one time I had an account. I filed bankruptcy XX/XX/XXXX on XXXX XXXX XXXX.I am disputing the unauthorized hard inquiry which occured XX/XX/XXXX. after the loan has been discharged.. This still has not been resolved by Equifax. Equifax reported inaccurate information. 
Dispute # XXXX Dispute # XXXX On XX/XX/XXXX XXXX XXXX XXXX did unauthorized hard hit inquiry.On XX/XX/XXXX I called XXXX XXXX Bank left message about inquiry on my credit report..XXXX XXXX, bank official called me back. The conversation went somewhat as follows : Me : This is XXXX XXXX and I am trying to get my credit established and I see yall done an inquiry on XX/XX/XXXX. Its a hard inquiry and I havent even been in the bank. 
XXXX : Well you got a charge off here for a bad loan that we have been reporting. We gon na pull inquiries to make sure we are reporting or not. I dont think we been reporting that charge off. We fixin to put that on your credit and make sure. 
Me : Why are you doing an inquiry? You are hurting my credit. 
XXXX : Its pretty bad now. 
Me : I havent applied for credit. You shouldnt be doing an inquiry. 
XXXX : Again, Im gon na check your credit to see if that loan is being reported. It wasnt being reported last time I checked. 
Me : Its been reported since XX/XX/XXXX. You are wrong about that. You made sure. 
XXXX : Oh ok. Alright good. I just wanted to make sure it was. 
Me : Well I want you to take hard inquiry off because I did not apply for a loan. 
XXXX : Hey, I want you to pay the balance off. 
Me : I filed chapter XXXX, I dont owe that money. 
XXXX : Oh its still owed, its still on our books. 
Me : You know what you did was wrong to us. I will hire an attorney. 
XXXX : Thats fine. XXXX hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter that I believe to be an inaccurate reporting on my credit report by Nissan Motor Acceptance Corporation/Infiniti Financial Services XXXX NMAC/IFS ) XXXX I am confident that this is an error and wish to formally dispute it, hoping you can assist me in this matter. 

The issue pertains to a lease account that I had w

ith NMAC/IFS. Throughout the course of the lease, I consistently made my payments on time, ensuring my financial responsibility was upheld. However, it has come to my attention that NMAC/IFS reported negatively against my credit report, which, given my payment history, I believe to be erroneous. To further complicate matters, NMAC/IFS delayed in closing my lease account by a month, even after I had settled the final bill. This delay, coupled with the inaccurate reporting, is having an unjustly adverse effect on my credit score, which I am earnestly trying to maintain in good standing. 

I wish to emphasize that I have always upheld my financial obligations with due diligence, and this can be validated by my payment history. I have receipts and bank statements to demonstrate that I made payments on time, and I am prepared to provide these as evidence if required. Furthermore, the payment for the final bill was made promptly, and I have documentation to verify this too. 

The misreporting by NMAC/IFS has caused me undue stress and financial hardship as it directly affects my creditworthiness. I believe this issue may simply be an administrative error or oversight, but its impact is far from trivial. 

Given the evident discrepancy, I kindly request that the CFPB intervene and assist in rectifying this issue. The inaccurate information should be removed from my credit report, the account should be marked as closed, and my credit score should be corrected to reflect my actual credit history.

I appreciate your immediate attention to this matter and am hopeful for a resolution that aligns with the factual information. I believe in the fairness and efficiency of the CFPB and trust that you will handle this situation with the utmost care and urgency. 

Thank you for your time and consideration. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the Electronic Funds Transfer Act ( ETFA ) as it requires timely assess to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number XXXX This account was disputed on XX/XX/XXXX Confirmation number XXXX This account was disputed for XXXX XXXX being different on all XXXX bureaus. XX/XX/XXXX for equifax XX/XX/XXXX for XXXX and XX/XX/XXXX XXXX This account was disputed again on XX/XX/XXXX for date of last payment being different on all XXXX  bureaus. XXXX reporting XX/XX/XXXX XXXX reporting XX/XX/XXXX and equifax reporting XX/XX/XXXX. 

This account was disputed again on XX/XX/XXXX for payment history being reported after the account has been closed.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>2024, I ordered to wire {$8200.00} from my HSBC US account to my XXXX XXXX account to pay my insurance premium. The accounts on both sides were USD accounts, and I know HSBC has not been charging fees on these kinds of transfers, so I was expecting XXXX XXXX to receive the full amount. 

However, to my surprise, a few days later, my XXXX XXXX agent told me they were not receiving enough, and there were about {$110.00} short. Later I discovered that those {$110.00} were charged by HSBC US and HSBC XXXX ( before it transferred to XXXX XXXX ) on " currency conversion '', because the USD amount from HSBC US were converted into XXXX  before it was converted to USD again to transfer to XXXX, which was absurd, as there was no need to do so. However, when I was complaining to HSBC US about this, several customer representatives refused to admit any
wrongdoing on the bank side, claiming that there was some default setup at my account set up to order this transfer to go through HKD, even though it was clear that both accounts were USD, and later when I escalated to the " Customer Relationship '' reps, they still denied any wrong doing on the bank side.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage loan was transferred from XXXX XXXX XXXX XXXXXXXX XXXX XXXX  on XX/XX/XXXX while on a forbearance plan due to hardships associated with COVID. Immediately upon receiving my loan, XXXXXXXX XXXX and XXXX XXXX XXXX ( XXXX  ) reported me 120+ days late. They did this for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Upon complaining, XXXX XXXX corrected their error. But, XXXX did not. I reached out to them and they said they had never done that and they send me a letter in XX/XX/XXXX confirming that. XXXX loans were then transferred to MrCooper, and as of today, I have tried to fix this issue but they cant resolve it because they say that XXXX must correct it not them. I have filed reports with the bureaus, I have escalated through MrCooper, and they wont help either. This has created tremendous hardship because I cant refinance due to my credit being impacted by these 3 x 120+ Lates. Help!!!! Please. Someone needs to hold XXXXXXXX XXXX XXXX  and Mr Cooper accountable to report credit accurately. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up with  XXXX  and Transunion to get my credit reports and scores, after adding a fraud alert on my reports with all  XXXX  bureaus. I paid {$1.00}, which was all they showed it cost. After about 2 months, I was notified that I needed to pay {$29.00} to keep receiving my reports and scores. I declined and they have not updated my scores since   XXXX    . I know that because I have a fraud alert on my reports, I am entitled to receive my information free of charge every  XXXX  days. When I call to request it, I get a couple of sheets, but not the full credit report. This has been going on for about   XXXX   months.