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

In XX/XX/XXXX I wrote Transunion along with the other major credit bureaus to dispute XXXX hard inquires made by someone other than myself on my credit report. XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. I wrote a letter, disputed online and by phone to no avail. Transunion claims a investigation would take place and I would be contacted after a determination was made. I made a follow up call today XXXX. XXXX XXXX as I have not be contacted and no change to the inquiry status has been made. I was directed by Transunion to contact the FTC for help. As you know credit ratings are time sensative and could result in higher interest rates or even denials. Please notify Transunion I have contacted your service for help with this matter. Thank you.
Product: Vehicle loan or lease

On XX/XX/XXXX, I sent by email my notice of rescission of a sales contract/financing agreement under Cal. Civil Code section 1691 with Westlake Financial Services who directed the cancellation of my vehicle service contract which constitutes a material breach of our contract. I offered the return of the vehicle and the return of all payments made under the contract including any interest. I further pointed to he fact that due to my lawful recission XXXX should stop all attempts to collect payment on the loan. Pursuant to section 1691 of the California Civil Code, in order to effect a rescission, a party to a contract must ( 1 ) give notice of rescission and ( 2 ) restore the other party everything of value which he has received under the contract. Cal. Civ. Code 1691. While [ i ] t is not necessary that the notice to rescind shall be formal and explicit... notice shall be given to the other party which clearly shows the intention of the person rescinding to consider the contract at an end. 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 ( internal quotations omitted ) ; see XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( The general rule is that the act of rescission by XXXX party to the agreement implies some notice to the other party thereto of an intention and determination to extinguish the contract. ). If facts exist that justify a rescission by XXXX party, and he declares a rescission in some effectual manner, he terminates the contract. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. A court does not rescind contracts but only affords relief based on a party 's rescission. XXXXXXXX XXXX XXXX XXXXXXXX. If the court finds that the contract was rescinded, the aggrieved party shall be awarded complete relief, including restitution of benefits, if any, conferred by him as a result of the transaction and any consequential damages to which he is entitled. XXXXXXXX XXXX XXXX XXXXXXXX. Rescission extinguishes a contract, rendering it void ab initio, as if it never existed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have Disputed this balance owed in the amount of {$6000.00} with XXXX XXXX and Trans Union and have not received a successful response from either that this is a valid debt of mine. They are reporting incorrect information on my credit report. I have disputed this dept in XXXX and again in XXXX. All I receive back is information that it is manually processing without any validation of the debt. i would like this information removed from my Credit report because it has not been validated and is false information.
Product: Debt collection

During our phone call, I informed your representative that I possess evidence proving the debt to be incorrect. When asked if a property manager had conducted a walk-through, I clarified that such an option was not available. Instead, an individual visited my unit and instructed me to paint and cover the holes in the walls, which I promptly did using supplies provided by the property maintenance. 

Despite my attempts to explain the situation, your representative dismissed my evidence and proceeded to threaten me with adverse actions regarding my credit report. Furthermore, the conversation concluded abruptly when he rudely hung up the phone while I was still attempting to address the issue. 

I subsequently attempted to contact your office to discuss the matter further, but my efforts to reach a resolution have been unsuccessful as I was unable to get through to anyone. 

The conversation has left me deeply concerned both about the handling of this matter and the unprofessional conduct exhibited by the representative.
Product: Debt collection

They are calling after XXXX and calling multiple times in one day back to back to back and not saying anything. Its beginning to feel like harassment.
Product: Debt collection

XXXX XXXX company called me around three months ago that I rented a car from them and accident it and give them back I did not rent car from them they have my name address and last XXXX digits of my social when I deny to pay them money they said your wife toke car from us my wife do not drive she do not have driving license they called me many times and forced me to pay them money which I do not owe then the jnr adjustment co called me many times and forced and harassing me to pay them money they also send me a later then I make a police report for identity theft in police report also indicated that they did not find any proof that I rent a car from XXXX
Product: Mortgage

In XX/XX/XXXX I asked that the company remove the PMI from my mortgage and the company sent a realtor over to evaluate the value of my home ... Both she and I agreed that the value has increased ... The company sent me a letter stating that I was at an LTV of XXXX value .... I called the company on 3 separate occasions to dispute the LTV an no one at the company will tell me what the estimated value is ... I had a realtor do a comparative market analysis on me home which came to XXXX ... .. I bought the home in XX/XX/XXXX for XXXX .... I now owe XXXX and the company is giving me the run around about removing my PMI ... .According to my loan terms ... the PMI is suppose to fall off at 75 % LTV .... By using simple 6th grade math anyone can see I'm at 80 % and the still won't remove the PMI .... Help please ... I hate crooks!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I submitted a dispute to Equifax to see if I could get my XXXX XXXX account opened in XXXX removed from my report. My last late payment to them was in XXXX and the account was charged off in XXXX. After my dispute, Equifax erroneously reported my last late payment was XX/XX/XXXX! The month I submitted my dispute! This brought down my score XXXX  points after submitting my dispute and has damaged my credit and life in more ways than I can write here. I want my credit report corrected or this needs to be removed entirely from my account.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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, credit repair services, or other personal consumer reports

The 3 major credit bureaus have reported inaccurate things on my credit report. For example investigate each collection and the columns that are tracked. Wouldnt you agree that every column for each collection should have the same information if it is accurate for all 3. Also dont you agree if one major credit bureau out of the three takes something off your credit the others should at least reach out to the consumer asking if it should be removed. But no credit bureau has done so, and did not get my consent to put anything on my credit report. I also know for each error on my credit report that is inaccurate I should be granted {$1000.00} in reimbursement.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), it is essential to ensure that consumer reporting agencies carry out their significant responsibilities with fairness, impartiality, and respect for the consumer 's privacy rights. As a consumer, I have the right to safeguard my private information, as supported by 15 USC 6801, which emphasizes the Congress 's policy that financial institutions must actively protect customer privacy and the confidentiality of nonpublic personal information. 

A " furnisher of information to credit agencies, '' classified as a financial institution, falls under this title. 15 USC 1681 section 604 ( a ) ( 2 ) stipulates that a consumer reporting agency may only provide a consumer report in accordance with the written instructions of the respective consumer. I want to make it clear that both the financial institution ( Furnisher of information to credit agencies ) and the consumer reporting agencies, XXXX and XXXX, lack my consent to furnish this information, and they certainly do not possess my written consent. Any form of consent, whether verbal, non-verbal, written, implied, or otherwise, granted to XXXX, XXXX, or the Furnisher of information to credit agencies is hereby revoked. 

Referring to 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without explaining how the consumer can exercise the nondisclosure option. The Furnisher of information to credit agencies failed to inform me of my right to exercise this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits a consumer reporting agency from including adverse information in a consumer report without authorization. This account, reported as an adverse item, is being presented without my permission, violating the law. 

According to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), a person must not furnish information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. 15 U.S. Code 1681e mandates every consumer reporting agency to maintain reasonable procedures to prevent violations and restrict the furnishing of consumer reports to specific purposes. XXXX and XXXX are failing to uphold reasonable procedures. 

Additionally, 12 CFR 1016.7 affirms that a consumer has the right to opt out at any time. I am choosing to opt out of your reporting services.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding the unfair and potentially unlawful practices of the credit reporting bureau, XXXX. For several months now, I have been battling with XXXX to remove collections from my credit report that I did not open, was never informed about, and have no knowledge of. Despite disputing these accounts multiple times, XXXX has been unwilling to remove these erroneous collections, even though I have successfully resolved the issue with the other major credit reporting agencies. 

The disputed accounts are as follows : 1. XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$970.00} - Balance Updated : XX/XX/2024 2. XXXX XXXX XXXX - Original Creditor : XXXX  XXXX XXXX  XXXX XXXX 
- Balance : {$780.00} - Balance Updated : XX/XX/2024 3. XXXX XXXX XXXX - Original Creditor : XXXX  XXXX XXXX. 
- Balance : {$740.00} - Balance Updated : XX/XX/2024 These accounts were added to my credit report without any prior notification or knowledge on my part. I have disputed these collections numerous times since being made aware of them, yet XXXX has refused to act in accordance with my rights as a consumer. I am deeply concerned that these debts, which I never incurred, continue to tarnish my credit score and financial standing due to XXXX negligence or unwillingness to take the necessary corrective actions. 

To make matters worse, I have successfully managed to have these erroneous accounts removed from my credit reports with XXXX and XXXX. This has significantly improved my credit score with these agencies, yet XXXX remains unresponsive to my valid disputes. It has become evident to me that XXXX does not have the best interest of consumers in mind, but rather appears to cater to third-party debt buyers and collection agencies that prey on consumers with unknown or disputed debt. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and hold XXXX accountable for its refusal to act in compliance with the law. Consumers like myself should not be forced to endure the damaging effects of inaccurate credit reporting, particularly when the information in question has been repeatedly disputed and is demonstrably false. 

Thank you for your attention to this serious issue. I trust that your agency will take the necessary steps to ensure that XXXX is held to the same standard of accountability as other credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this negative account with the credit bureaus and they have reported to confirm the account is valid. In good faith efforts to resolve this matter amicably, I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature with this company, as well as proof of authority in this manner. They have failed to comply with previous investigations.
Product: Debt collection

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section XXXX692f ( 1 ) adding additional amounts.
Product: Debt collection

After reviewing a copy of my credit report, I noticed a collection accounts placed on my credit report from Synerprise. I am requesting that you allow my attorneys and I to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, my attorneys and I are allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties agency. I did not give permission to any of my current or prior medical providers to release any of my medical information and/or records to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients signed authorization. I have never given authorization to release any information in accordance to my rights under HIPAA. Therefore, my request is three-fold validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Also provide an original copy of contract with original creditor that gives you the right to collect debt in pursuant to the FDCPA. Cease any credit bureau reporting until the debt has been validated by and my attorneys and I. Furthermore until a debt can be validated by me, I am allowed under the FCRA to have any debts in relation to be removed from my reports until the items can be validated my attorneys and I. Please send this information to my address listed and accept this letter sent via the CFPB complaint portal as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting or accounts being placed with the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, attorneys will correspond back by certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to get the credit bureaus to remove fraudulent names and addresses on my credit report, after sending letters and disputing these fraudulent personal information reported on my credit file, XXXX, XXXX, and Experian still hasn't removed under the fair credit reporting act. The only name that should be reported and showing on my credit reports is as follows : XXXX XXXX XXXX XXXX. The only address that should be reporting on my credit files should be as follows : XXXX XXXX XXXX. XXXX, NC XXXX. All other names and addresses are fraudulent and must be removed, the following are the fraudulent names and addresses as follows : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Credit card

I WAS A WELLS FARGO CUSTOMER FOR OVER 10 YEARS. I HAD MY ACCOUNTS AND MAINTAINED THEM VERY WELL AND IN GOOD STANDARDS. WELLS FARGO DECIDED TO CLOSE MY ACCOUTS DUE TO " IMPROPER PRACTICES '' THEY THEN CLOSED MY CREDIT CARD AND STATED THAT THEY NO LONGER WANTED MY BUSINESS BECASUE THERE WERE " FRAUD '' ON MY CC. I NEVER RECEIVED ANY CALL OF FRAUD ON MY CC AND I NEVER COMMITED ANY TYPE OF FRAUD. ALL MY ACCOUNTS WERE SHUT DOWN WITHOUT JUST REASONS AND ALL THEY CAN SAY WAS FRAUD AND THEY NO LONGER WANTED MY BUSINESS. THEY NEVER EXPLAINED TO ME ANYTHING OR CALLED ME. I CALLED ONCE AND NO ONE THERE COULD GIVE ME AN ANSWER AS TO WHAT WAS GOING ON AND THEY TRANSFERRED ME FROM DEPT TO DEPT AND NO ONE WAS ABLE TO HELP OR GIVE A CLEAR REASON.
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 XXXX XXXX  XXXX, XXXX Account # 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 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 card

On XXXX XXXX 2015 I was contacted by " XXXX XXXX '' stating I was being sued by Shell for an unpaid credit card balance from 2003. I was told if I did n't pay I would be taken to court, sued, lose, and have to pay the dept anyway plus court fees. I am not privy to consumer law so I paid the balance because I did not want to deal with the courts. I do n't remember the person I spoke with but I do have contact information for the " XXXX XXXX '' based in New Hampshire and a debt collection satisfaction letter from the " claims department '' which I paid {$310.00}. The letter itself has the name in quotations. I should have researched it more but I was threatened to make a decision in one day. This company also had my personal information and social security number. As I learned more through my lender she stated this was done illegally ; that this " group '' used unfair, deceptive and unreasonable collection practices to re-age a credit card debt, which according to the FTC was time-barred debt. I am writing to dispute this and have it removed from my credit report as it is preventing my wife and I from refinancing and buying a new home. I feel as if I were well informed and went to court ( assuming is was actually a real and legitimate case ) that this would have been resolved and this negative item would have never reached the bureaus.
Product: Debt collection

The company constantly texts about a person I do not know I reply stop and it sends a message I will no longer receive messages A few minutes later I'll be harassed with messages again. Even after XXXX
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear sir, Upon the request for check of my credit report through your website, I want to clarify these issues. 
On the section of Fraud Alert, there is XXXX XXXX Alert issued on XX/XX/XXXX of XXXX ( XXXX  ). Since my birth year is XXXX and I am a XXXX XXXX, I need to ask you to investigate seriously why you added this alert in my credit report. Since another credit report company did same thing, I beseech you investigate and explain officially this part of report. 
On the section of My Equifax credit report, you mentioned that I have already received XXXX of XXXX free Equifax credit reports. I am not sure how this is calculated ; however, if you consider after I asked you to add the fraud alert, since this alert was issued by your federal government of the United States, from the beginning, I should be able to check as many as possible until the suspicious data are explained logically and officially, and corrected properly ; especially, there are questionable issues on all XXXX credit report companies. Or, if I consider, this number reflects the illegal activities, your company might need to explain officially, too. 
I request the explanations of following soft inquires, which I do not recognize or hopefully can say do not remember. 

XX/XX/XXXX of XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ) And those from XXXX XXXX  ( Promotional Inquiry ) p.s. we live in the rented place. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Since your company required me to submit the necessary documents to locate a credit file in your company database with my identification information I provided before ; therefore, I will resend these necessary documents with this letter. 

Sincerely,