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

The Fair Credit Reporting Act, under 15 U.S.C. 1681, Section 602 ( a ), mandates that consumer reporting agencies like XXXX, XXXX, and XXXX uphold their significant duties in a manner that is fair, impartial, and mindful of a consumer 's right to privacy. As the Consumer, I am entitled to ensure that my personal data remains confidential, a right supported by 15 U.S.C. 6801, which articulates Congress 's stance that financial institutions must actively and continuously honor their customers ' privacy and secure their sensitive personal information.

The entity providing information to credit agencies qualifies as a financial institution according to this statute. Furthermore, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) clarifies that a consumer reporting agency may only provide a consumer report when explicitly authorized by the consumer 's written consent. Neither XXXX, XXXX, XXXX, nor the furnisher of information to these agencies possesses my permission written or otherwise to disseminate my information. 

I hereby revoke all forms of consent previously given to XXXX and the furnisher of information to credit agencies, be it verbal, non-verbal, written, implied, or otherwise. According to 15 U.S.C. 6802 ( b ) ( c ), a financial institution is prohibited from disclosing a consumer 's nonpublic personal information to unrelated third parties without first informing the consumer of their right to opt out of such disclosure, which I was never informed of.

Moreover, 15 U.S.C. 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from reporting any adverse information older than seven years, with certain exceptions. The adverse account they are reporting does not have my consent and is, therefore, unlawful.

In addition, 15 U.S.C. 1681s-2 ( A ) ( 1 ) stipulates that no one may provide information to a consumer reporting agency if they know or suspect it to be inaccurate. 15 U.S.C. 1681e requires these agencies to implement reasonable procedures to prevent violations and restrict report furnishing to authorized purposes, which XXXX is failing to do. 

Lastly, as per 12 CFR 1016.7, I have the perpetual right to opt out, which I am exercising now by opting out of your reporting services.is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
Product: Debt collection

XXXX   XXXX ,  XXXX  -  XXXX   XXXX  assigned the balance owed them to Account  XXXX   XXXX  when in  XXXX  it was settled when returning for procedure again. I do not know of Acc ount Resolution Corp. but  I do  XXXX   XXXX .
Product: Credit reporting or other personal consumer reports

I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate information continues to do harm to my credit.Please remove the inaccurate adresses, fraudulent account and the inquiries.
Product: Credit reporting or other personal consumer reports

I have received an ongoing credit report that suggests that I may owe XXXX XXXX XXXX. However, there is no evidence to support this claim. Therefore, I demanded that they dismiss all claims and remove any harmful information about me and I also informed all 3 credit bureaus to remove any harmful information from my credit report. It is essential that any currently mentioned items are backed up with verified factual proof of their truth, accuracy, correctness, completeness, timeliness, ownership, and compliance with reporting standards. I also requested that XXXX XXXX XXXX, XXXX, Equifax and XXXX provide proof of their legal authority to conduct business with me. They do not have the right to neglect their obligations while threatening my financial and creditworthiness. I demanded that if they are unwilling or unable to comply with my requests within 20 days of receiving the complaint, ( XX/XX/2023 ) they immediately stop any derogatory or harmful actions against me, including reporting or collecting unverified, untrue, invalid, or non-compliant claims or debts. I informed them any attempts to harm me, no matter how small, will be considered harassment or extortion, which is a criminal offense in my state ( CT ). Such actions will lead me to take appropriate measures. Therefore, I urged them to rectify this deceitful manipulation by removing the delinquent items from my credit profile history.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit card

This is not about my credit score. This is about Bank Of America that made false promises to me about a dispute I had in the amount of {$420.00}. I have names of supervisors and representatives ( if needed ) that told me to provide all documents, which included 1 ) a letter of complaint describing what happened 2 ) receipt of purchase from merchant 3 ) a second opinion letter proving that what I purchased did not work. In short, I went to a XXXX to treat XXXX XXXX and was promised a XXXX week kit I bought for {$420.00} would DEFINITELY work. It did n't. I 'm still suffering with the same symptoms, seeing different doctors to help me, and had a letter from my primary doctor CONFIRMING this stuff was bogus and a rip off. Several times, I was told that second opinion letter would be sufficient enough to take that charge off of my account ( as long as it was within the time frame and it was ). So I faxed everything from a Bank of America in town and all documents confirmed it was sent. When I called to follow up, they said they " could not see " the second opinion letter. I said it was definitely faxed with everything else. They had me fax it again. This went on for months. They said they finally received it and would be sending me a letter. The letter said my documents given were not sufficient enough. I was furious. I called back to appeal the decision. This time I spoke to a supervisor in disputes ( again if needed, I will give names ) He said they must not have gotten the second opinion letter because that should definitely be enough to get the charge off my account. Again, I went to Bank of America to fax the second opinion letter from my doctor. Now, I got a letter stating that unfortunately, it 's out of the time frame. This credit card company is ran by nothing but a bunch of crooks. I will NEVER give them another cent. And I WILL be letting everyone know the experience I had with these people.Feel free to broadcast this anywhere consumers can see it, because I know I surely will!!! I have included documents that were faxed over. Please take note as you review, that some might be repeats but I want you to notice the time frame. I started this dispute back in XXXX ( it 's written on the doctor 's notes and it was all sent over within the time frame ). I am also fighting this dispute through XXXX. Thank you.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Signed up for a Mortgage load. Credit company was unable to obtain Experian credit report. 
My login to Experian has been blocked so I can not lift the freeze. 
see below : Membership ID # XXXX Sign In Access denied Error 16 usa.experian.com XXXX XXXX UTC What happened? 
This request was blocked by our security service Your IP : XXXX Proxy IP : XXXX ( ID XXXX ) Incident ID : XXXX tried calling at XXXX - after 3 people couldn't help me, couldn't give me their ID # and couldn't transfer me to their supervisor, I finally reached XXXX # XXXX XXXX XXXX Still couldn't resolve problem. 

Without help from agents and my login blocked- with my membership id showing, Experian is intentionally stopping me from buying a home. My Member ID clearly shows in the Heading of the Error XXXX page - prevented by security.
Product: Mortgage

I have an open case against this company because they purposely rejected my payment on XXXX/XXXX/XXXX pushing the account past the 90 day mark. I also made a payment that was rejected on XXXX/XXXX/XXXX. I learned about this after making several calls to Carrington, and submitting research to their department of my unrecorded payments beginning XXXX/XXXX/XXXX. I spoke with XXXX a supervisor in the home retention department along with many representatives and they confirmed that they were not aware of the payments because the cashier 's office rejected the payment, did n't make any notes or notify me in writing which according to them is policy. I had to request the refund myself from the 3rd party and wait 10 business from XXXX/XXXX/XXXX to receive the refund. In the meantime, every representative refused any payments because my account was flagged for foreclosure as of XXXX/XXXX/XXXX citing my loan was 104 days past due. However, no one would recall the foreclosure seeing as how the company did n't follow standard protocol and did n't notify me or the other departments within the company of the payment return to offer any of suggestions. All of the representative stated it is standard protocol to make two payments if the loan is behind which would have been fine considering I had the two rejected payments but I was n't given the opportunity. I also completed and submitted a modification packet to be reviewed for any assistance. I share with every representative I speak with I can afford the payment but I ca n't afford to pay the arrears and I need help with that. On XXXX/XXXX/XXXX I spoke with the SPOC department who stated that the application was denied for the HAMP because the DTI showed we could afford the payment. The representative XXXX stated that the information showed I was not considered for any other help and she can request a reinstatement from the foreclosure area which to date has not performed any work on the account in the amount of almost XXXX. I spoke with a relationship manager XXXX who was trying to work on a payment plan but we were disconnected and she did n't return my call as we agreed she would if we were disconnected. I then called back and got a regular rep in the SPOC department named XXXX who said the supervisor XXXX misspoke bc the account was flagged for foreclosure. After confirming she was not a supervisor I asked to speak with her supervisor and after waiting on hold for more than XXXX minutes she came back and said her supervisor was n't available but I could leave a message. I questioned her why it took so long and she said she was consulting with her manager XXXX XXXX but she just was n't available to speak with me. After demanding I speak with XXXX XXXX left me on hold so long I hung up. I believe that Carrington is retaliating against me because I filed a complaint XX/XX/XXXX after only being with them for less than a month after being transferred from XXXX. There response is in your database and even according to the response they never recall a payment being returned. I am not giving up or walking away from my home and never had any intention to.
Product: Payday loan, title loan, or personal loan

I took out a loan with XXXX XXXX XXXX and had an issue with the payment process and interest/fees. I am having issues paying it back on the schedule they requested. I've made monthly payments, but they have not agreed to any arrangement for me that will work for my pay schedule. I have paid hundreds of dollars in interest and they've never contacted me via phone about a repayment plan, but just sent a letter. They're saying {$230.00} is due on my account when the loan was less last month and I made {$100.00} of a payment. I can not afford any late fees or interest on this loan and can only manage to pay it off if there's no other fees other than the fees they've charged me, which have been over {$400.00} thus far. This was a predatory loan and their business practices have harmed me financially.
Product: Mortgage

SLS makes it extremely difficult to SLS makes it extremely difficult to contact a representative regarding getting an extension on my mortgage loan due to economic hardships doing Covid-19. SLS locked me out of my home and put a lockbox on it. I had to spend several hours on the phone to get this straightened out. On XX/XX/20 I contacted SLS because I received another letter. I was disconnected twice and spent 2 hours speaking to four different representatives. I was told that I needed to download a 18 page application. I was told very harshly if I didn't pay my XXXX payment I would be reported to the credit bureau. The only representative that showed care was XXXX.
Product: Credit reporting or other personal consumer reports

The most logical and fair resolution to this matter is to completely block or remove this negative information from my credit report. As someone who has diligently followed the proper steps to address these inaccuracies, its deeply frustrating and disheartening that these issues remain unresolved. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is both accurate and free from unverifiable or incorrect information. This continued inaction not only violates my rights but has also placed an overwhelming strain on my finances and well-being. I strongly urge you to take immediate and decisive action to correct this by removing these damaging items from my credit file.
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.

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 The above accounts have violated my rights according to 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 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. This needs to be removed immediately.
Product: Debt collection

To Whom It May Concern, I recently reviewed my credit report and noticed that your company is reporting a debt under the above-referenced account number. I do not recognize this debt and am formally disputing its validity under the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F ( 12 CFR Part 1006 ). Additionally, I am requesting full validation of the debt under my rights provided by the Fair Credit Reporting Act ( FCRA ).

Debt Validation Request Under Regulation F & FCRA To comply with federal regulations, I request that you provide : 1. Creditor Information : The name and address of both the original creditor and the current creditor who owns the debt.

2. Debt Verification : o A breakdown of the debt amount, including principal, interest, fees, and other charges as required under 12 CFR 1006.34 ( c ).

o Proof of a valid contract or agreement establishing the alleged debt and my obligation to pay it.

3. Itemization Date : Provide the specific reference date you used in your itemization ( such as the last statement date, charge-off date, or last payment date ).

4. Assignment Records : Copies of all assignments or transfers demonstrating the chain of ownership of this debt from the original creditor to your agency.

5. Proof of Permissible Purpose : o Documentation explaining the permissible purpose under which you accessed and reported this debt to the credit bureaus, per 15 U.S.C. 1681b ( Fair Credit Reporting Act ).

6. Cease Collection Until Validation Is Provided : If you can not provide proper validation, I request that you immediately cease all collection activities and remove this account from my credit report.

7. Credit Reporting Requirements : o If this alleged debt is reported to the credit bureaus, I request that it be marked as disputed by consumer per 15 U.S.C. 1681s-2 ( a ) ( 3 ).

o If this debt can not be validated, I demand that it be deleted from my credit report immediately in accordance with the FCRA.

8. o I request confirmation that no negative information will be furnished to the credit bureaus during the validation process, per Regulation F guidance.

Notification to Future Collectors : If you transfer or sell this account to another agency, they must also be informed of my dispute per 12 CFR 1006.30 ( d ) ( 1 ).

Next Steps Please provide a written response to this request within the legally required timeframe. If you can not validate this debt, I expect you to promptly remove it from my credit report and cease all collection efforts. 
Additionally, I do not consent to any form of contact via email, phone, or text message. I request that all communications be conducted strictly via mail. 
Thank you for your immediate attention to this matter.
Product: Consumer Loan

XX/XX/XXXX I accepted a new job with the State of Maryland. Since I had a prior state debt my wages had to be garnished. This caused me to fall behind in my car payment to MarkOne. I have numerous email back and forth keeping them in the loop as to what was going on. I even had to move and provided them with the updated information. Even after making a agreement to bring my account current in XX/XX/XXXX the exact same day I communicated with someone by email my car was repossessed days before XX/XX/XXXX. I was so angry I called and forward all of my communication with a supervisor to MarkOne. They realized their mistake and instead of making me pay the storage fee and late charges to get my car out the nice supervisor instructed me to make the payment of the missed car payments totaling over {$1100.00}. She advised me that she would place all the other charges on the end of my loan note. I did just that and was able to get my car back days later. Now I am being harassed EVER SINGLE DAY AND NIGHT for the late fee amount. Not even my car payment amount. They are calling my job several time a day threaten to turn my account over to the recovery team. My payment is {$390.00} for a XXXX Honda Accord with over XXXX miles. Because of everything I went through financially I am still trying to recover so when I send them {$300.00} in a payment they still call and harass me saying they payment wo n't post because it 's not the full payment so its still as if I have n't made a payment at all. This is ridiculous. I need my car to get back and forth to work however I do n't need this emotion stress of trying to pay my bill and still looking out my window wondering did someone get it wrong again and send someone to get my car. I have had it. I am a single mother. My income is the only income in my household. I ca n't afford to make a payment every two weeks I make a payment once a month and I should not be harassed in doing that. I received another letter on Friday stating the late fee and charges have totaled over {$1300.00} is this is the case why is it not on the end of my loan agreement as agreed when I got my car back? This was even stated on my repo recovery sheet when I went to pick my car up so why am I still being harassed to pay this amount. If I had it I would have paid it by now. I have even tried to refinance this through my bank and was told I could n't because the car was sold with over XXXX miles on it. Then I tried to trade it in. When the dealer called Markone they said the pay out on my vehicle was over {$8000.00}. This car not even work {$3000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a challenge letter XX/XX/2019 to Experian about an incorrect account on my credit report. I ask Experian to investigate the account serval times only to get back that the account is verified or accurate. There's no way the account is accurate or verified. I never received a proper investigation from Experian. The service address for this account is a place I've never lived or authorized service too. This account is not mines! 

I mailed at least 3-4 times about this matter and I called yesterday and was told there's nothing they can do if the data furnisher deems it accurate? I've never received any proof or letter proving this account as accurate.