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

I, XXXX XXXX assert my rights under the FDCPA and FCRA. My privacy, protected by 15 U.S.C. 1681 ( a ) ( 4 ), has been violated without my authorization as required by 15 U.S.C. 1681b ( 2 ). My credit card, as defined in 15 U.S.C. 1602, was used without consent & no benefit. Under 15 U.S.C. 1681s, your organization must act. XXXX, XXXX, and Experian have failed to maintain accurate data per 15 U.S.C. 1681i ( b ). Due to erroneous information and the transaction being no benefit to the consumer, I filed an identity theft report. As per 15 U.S.C. 1681c-2 ( e ), these inaccuracies must be removed within four days. Unauthorized use of my credit card, violating 15 U.S.C. 1602, provides me no benefit under 15 U.S.C. 1681s. This letter urgently requests the removal of these accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with this company for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft due to my information being leaked from a security breach.
Product: Debt collection

this debt is result of identity theft I have not received any services from this company and this is in violation of the FCRA to display medical records for public viewing this debt is definitely a result of identity theft
Product: Debt collection

I have made multiple attempts to verify that this debt is mine or owed and have not been able to get XXXX or Mobiloans to verify this debt yet this debt was reported to XXXX.
Product: Credit reporting or other personal consumer reports

My credit report has inaccuracies with late payments inconsistent with my record. Requesting an update to reflect accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 has violated my rights. 

15 U.S.C 1681 Section 602 A states I have a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, On  X/XX/27 , I submitted complaint  XXXX  against  XXXX   XXXX   XXXX   (   XXXX   XXXX   XXXX   ) i n regards to unauthorized credit card charges  XXXX  was attempting to collect.     Even though this dispute is ongoing and still under review by  XXXX   ( and now CFPB ),   XXXX  has continued to assign late charges to this account and notify each credit bureau that I am " delinquent '' in repaying.     On  X/XX/27 , I sent letters to each credit burea u (   XXXX ,   XXXX   and Equifax ) with documentation of the dispute and status. As per the Terms and Conditions of  XXXX  's Cardmember agreement-  XXXX  can not not notify any credit bureau that an account is " delinquent '' if those charges are being disputed.     I have received correspondence back from each credit bureau that they have requested additional information from  XXXX  and have placed " fraud alerts '' on my credit report- however,  XXXX  continues to report my account as delinquent and the credit bureaus have not removed this detail.     As of  X/XX/17 , my credit reports reflect this disputed account as 60 days past due, and my credit score has been dramatically reduced. Also- I 'm not sure how my phone number was released or sold, but I 'm now receiving " credit help '' calls which I have to block.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint due to inaccuracies identified on my consumer report, which remain unresolved despite my previous efforts to correct them directly with the reporting companies. These entities continue to report unverifiable and inaccurate information, including derogatory marks and collections, without providing the required validation. Consequently, I am escalating this matter to ensure a thorough investigation is conducted in strict compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), to uphold maximum accuracy.

The attached documents pertain to Truth-in-Lending Act ( TILA ) compliance, which financial institutions must adhere to before considering a payment late. These companies have failed to provide proof of late payments and charge-offs, leading me to conclude that these entries are fraudulent, constituting false records under 18 U.S.C. 1005.

The attachment titled " TILA Compliance Dispute '' addresses violations of the Truth-in-Lending Act, as the reported late payments did not comply with the required procedures.

The attachment labeled " Collections Fraud '' pertains to unlawfully furnished collection accounts appearing on my consumer report.

Given that these collection accounts have been unlawfully reported and the late payments and charge-offs remain unverifiable, I consider this information fraudulent. Therefore, I formally request an immediate block of all fraudulent entries pursuant to 15 U.S.C. 1681c-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported 120 days late to the credit bureaus in XX/XX/2019. I provided my new address and was told I would receive the final bill. I never received the final bill from XXXX XXXX XXXX. I've sent certified letters to XXXX XXXX XXXX disputing the negative item they state it is correct. I moved from the billing address on XX/XX/2019, the collection showed 120 days late on my credit report. I have disputed with XXXX & XXXX, Equifax, XXXX, and XXXX. XXXX  removed the negative item based on the documentation I sent them. Equifax and XXXX  XXXX XXXX XXXX XXXX keep confirming the collection. They have since updated the balance to XXXX  from {$280.00}. I paid the bill as soon as I saw it XX/XX/2019 on my credit report. All of my past history with XXXX XXXX XXXX is positive, they are not showing past history. 

Equifax is showing the negative item on the report twice which is further impacting my credit score.
Product: Debt collection

This collection company has placed a debt on my credit report as paid, but I handled the debt with the original creditor, nit this collections agency. They should not have an account listed on my credit and need to delete this account because it is lowering my credit score. I spoke to someone there and asked them to delete it, but he yelled at me and said that they would continue to list it as paid on my credit report, even though this agency had no dealings with me and the payment of this account. The original creditor has forgiven the debt and continued my alarm services.
Product: Student loan

13 Accounts : ED FINANCIALXXXX Title V, subtitle A, of this Act ( 15 U.S.C. 6801 et seq. ) requires the FTC, along with the Federal banking agencies and other regulators, to issue regulations ensuring that financial institutions protect the privacy of consumers ' personal financial information. Such institutions must develop and give notice of their privacy policies to their own customers at least annually ( except where exempted under section 75001 of the Fixing America 's Surface Transportation Act ( FAST Act ), Pub. L. No. 11494, 129 Stat. 1787, codified at 15 U.S.C. 6803 ( f ) ), and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to " opt out '' from such disclosure. Under the Dodd-Frank Act, this rulemaking authority transferred to the Bureau of Consumer Financial Protection ( except with respect to certain motor vehicle dealers ), but the FTC continues to have enforcement authority. Subtitle A also requires the FTC and other agencies to issue regulations for the safeguarding of personal financial information ; this authority did not

transfer. T he Act also limits the sharing of account number information for marketing purposes.

( 15 U.S.C. 6821 et seq. ) prohibits obtaining customer information of a financial institution by false pretenses. The FTC enforces these provisions with regard to entities not specifically assigned by the provision to the Federal banking agencies or other regulators.

Also, Sections 131-133 of the Act ( 15 U.S.C. 41 note ; 12 U.S.C. 1828b, 1849 ) clarify the application of the FTC Act and other FTC statutes to subsidiaries and other affiliates of depository institutions, and provide for certain interagency information sharing. 
If I have to I will take this to my lawyer to make sure these student loans are deleted because I have spoken with XXXX and told me they would remove these Accounts but nothing was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to all 3 credit bureaus ( Experian, XXXX, and XXXX ) on XXXX about a Judgement ( Bankruptcy ) that is currently on my report. In a previous letter from them all they revealed that they verified my bankruptcy using XXXX. In the recent letter I sent to them, I attached a letter from XXXX stating that they have completley removed the Bankruptcy from my report, and even went further attaching the section of my XXXX report where they could see that it has been removed. In this letter I requested that they remove this from my report as well, being that the company they verified my infomation through removed it. I recently recieved a letter back from them stating that this account will remain on my report due to the information being verified as accurate. They did not give details of how they recently verified this accuracy of my infomation. Unless they can provide another souce of verification, I can only assume they used XXXX in which this account no longer exist. I would like to make a complaint against XXXX, XXXX, and Experian and proceed in the removal of this account on my credit report.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/year> - Balance : {$XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the fair credit reporting act my information should have never been shared with any agencys to collect a debt this is illegal based under the fair credit reporting act and has caused a severe drop in my credit score which has hurt me in the process of refinancing my home please remove all collections accounts And all unauthorized inquiries as I didnt request for my information to be sent around to any of these companies
Product: Credit reporting or other personal consumer reports

Demand for Compliance with 15 U.S. Code 6802, 12 CFR 1016.7 Section ( a ), 5 U.S. Code 552 ( a ) & ( b ), and Account Removal Request Dear XXXX, Experian, and XXXX XXXX XXXX XXXX department, I hope this letter finds you well. I am writing to bring to your attention certain legal provisions under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S. Code 6802, which outlines obligations concerning the disclosure of nonpublic personal information. In conjunction with this, I have attached a relevant Federal Trade Commission ( FTC ) report for your reference. According to 15 U.S. Code 6802, a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless certain conditions are met. These conditions include providing clear and conspicuous disclosure to the consumer, offering the consumer an opportunity to opt out of such disclosure, and explaining how the consumer can exercise the opt-out option. Furthermore, regulations such as 12 CFR 1016.7 Section ( a ), 5 U.S. Code 552 ( a ) & ( b ), along with 1016.7 and 162.6, detail the form and methods of opt-out notices to consumers, emphasizing the consumer 's right to opt out of the disclosure of their information to nonaffiliated third parties. Additionally, 1022.24 stipulates that covered affiliates must provide consumers with a reasonable opportunity to opt out when using eligibility information for solicitation purposes. As per the Credit CARD Act of 2009, consumers have the right to opt out of interest rate increases, fee increases, and other significant changes in terms, as outlined in 15 U.S. Code 6805. I would also like to request the removal of the following accounts from my credit report XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX, XXXX XXXX Account Number XXXX Date opened XX/XX/XXXX, XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX, XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX, XXXX  Account Number XXXX Date Opened XX/XX/XXXX, XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX listed in my documents attached. I demand that XXXX, Experian, and XXXX promptly investigate and remove the accounts from my credit report, as they are not legally and lawfully supposed to be reported. Please provide confirmation of the removal and an updated copy of my credit report reflecting these changes. Please acknowledge receipt of this letter and provide a written response within 4 BUSINESS DAYS outlining the steps your agencies are taking to ensure compliance with the specified legal provisions and the removal of the mentioned accounts. Failure to address and rectify any non-compliance issues or the removal of inaccurate accounts may result in further action, including reporting the matter to the appropriate regulatory authorities. Thank you for your prompt attention to this matter. I look forward to receiving your response. Sincerely, XXXX XXXX Without recourse
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 XXXX XXXX accounts reporting on my credit report. The accounts were charge offs that were paid during settlement for a lesser amount. I have since launched 3 disputes with corresponding bureaus. The 3 bureaus have reported back separate payment status for the accounts.

Account 1 : Experian shows ( Current/paid, updated XX/XX/XXXX XXXX XXXX shows ( derogatory, updated XX/XX/XXXX XXXX XXXX shows ( unknown, updated XX/XX/XXXX XXXX. 

Account 2 : Experian shows ( Current/paid, updated XX/XX/XXXX XXXX XXXX shows ( Derogatory, Updated XX/XX/XXXX XXXX XXXX shows ( unknown, updated XX/XX/XXXX XXXX. 

According to the previous, XXXX XXXX is reporting different status and and not providing accurate updates from each investigation, which is grounds for immediate removal. I am demanding the immediate removal of these accounts from my credit report across ALL THREE BUREUS as they violate my Fair Credit Reporting Act ( FCRA ) laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX FIN XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON THREE DIFFERENT OCCASIONS AT THREE DIFFERENT BUSINESSES THIS YEAR I HAVE BEEN DENIED CHECK CASHING PRILEDGES AND EACH LOCATION HAVE REFERRED ME TO GLOBAL PAYMENTS GAMING SERVICES INC. I HAVE BEEN TRYING TO CONTACT GLOBAL PAYMENTS TO CORRECT MY ACCOUNT SINCE XX/XX/2018. ON SIX OCCASIONS I HAVE MAILED LETTERS, E-MAILS AND PHONE CALLS. 

GLOBAL HAS IGNORED MY REQUESTS AND HAS NOT RESPONDED WITH ME AT ALL.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a complaint about Equifax, I have called Equifax and go hung up on or j cant dispute any information on my report I have two inquiries on my report I want to dispute as fraud I dont recognize and they do not belong to me, XXXX and XXXX XXXX XXXX, XXXX XXXX, please remove these inquiries I have filed a FTC identy theft report, i want these removed and block, I have not checked my credit report, I want these inquiries taking off, they are not factual when its fraud and a consumer does not recognize or have not checked there credit report, Equifax has poor customer service, nobody seems to want to help so please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

PRINCE PARKER AND ASS IS TRYING TO COLLECT MONEY FOR A DEBT THAT IS NOT MINE THAT WAS OPEN VIA FRAUD FROM XXXX XXXX XXXX
Product: Debt collection

Account was previously deleted from credit reports. Then recently re-inserted. The account has also been re-aged. I was never notified
Product: Credit card or prepaid card

Capitol One refuses to give me a credit limit increase. I applied on XX/XX/2023 and Capitol Ones responded with a letter the same day stating that : Your financial obligations reported to us by the credit reporting agency are too high This is not true. I have fraud alerts on file with all credit bureaus, I would have been notified if Capitol One would have pulled my credit report. I received no alerts from any credit bureaus.
Product: Mortgage

Green Tree Servicing has initiated foreclosure action against me while failing to properly follow the rules and procedures set forth by the CFPB governing foreclosure : Notification of Foreclosure Alternatives : Servicers must let borrowers know about their " loss mitigation options '' to retain their home after borrowers have missed two consecutive payments. They must provide them a written notice that includes examples of options that might be available to them as alternatives to foreclosure and instructions for how to obtain more information. Green Tree has never provided " loss mitigation options ''. 
Direct and Ongoing Access to Servicing Personnel : Servicers must have policies and procedures in place to provide delinquent borrowers with direct, easy, ongoing access to employees responsible for helping them. These personnel are responsible for alerting borrowers to any missing information on their applications, telling borrowers about the status of any loss mitigation application, and making sure documents get to the right servicing personnel for processing. Green Tree had, in a letter, provided an agent for this account, XXXX @ extension XXXX. I have left numerous messages without ever receiving a callback. In XXXX & XXXX, Green Tree left door hangers on my front door that read " Important - Please contact us ''. The phone numbers on the hangers were not-in-service. 
Fair Review Process : The servicer must consider all foreclosure alternatives available from the mortgage owners or investors - those with decision-making power over the loan - to help the borrower retain the home. These options can range from deferment of payments to loan modifications. And servicers can no longer steer borrowers to those options that are most financially favorable for the servicer. Green Tree has found it more financially compelling to proceed with foreclosure rather than work with the borrower as it would be too costly to do the latter. 
No Foreclosure Sale Until All Other Alternatives Considered : Once the servicer offers an alternative to foreclosure, they must give the borrower time to accept the offer before moving for foreclosure judgment or conducting a foreclosure sale. Servicers can not foreclose on a property if the borrower and servicer have come to a loss mitigation agreement, unless the borrower fails to perform under that agreement. Green Tree has never initiated " loss mitigation options '' as set by the rules of the CFPB, and therefore never worked with me.
Product: Debt collection

Lost my wallet, which contained my social & I.D . in there. I was at a gas station & sat it down for a quick second then the next thing I knew it was gone. This happened back in XX/XX/2018. I reached out to my credit card companies & debit card company for replacement. During those times I never had a credit subscription service to view my credit history. I recently did a thorough check to my credit report and I noticed a lot of fraudulent activities that weren't authorized by me.
Product: Credit reporting or other personal consumer reports

The last time I used my Wells Fargo credit card, it was XX/XX/year>. 

On approximately XX/XX/year> apparently someone using the website XXXX used my card XXXX times. I have never used the website XXXX in my life. 

The first fraudulent charge, I didn't notice, but when the XXXX and XXXX charges came thru I received a text asking me to confirm the charges were legitimate. I replied immediately that the charges were not legitimate and I called Wells Fargo immediately. They said they would reverse the charges, cancel my card and reissue a new card. 

I received the new card but I never got any proof in writing of the fact that my identity had been stolen, that they were investigating the fraud etc. Later in XXXX, I called again to follow up and the said the request will take XXXX days to resolve. I never received anything. I called again on XX/XX/XXXX asking for a resolution. The customer service person refused to give me any confirmation number, letter, email, nothing to confirm this problem happened. 

I just learned that they're reporting me XXXX days past due on this card because the fraudulent charges remain. Report attached below. I called again and the customer service says I have to call back Monday to speak to an executive customer service department. 

I just called again and was given this case number XXXX