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

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

My address on my credit report are incorrect I would like to ensure you only retain CURRENT, COMPLETE and TRUE information in my credit file. Per FCRA regulations ANY and ALL other information I DEMAND as my lawful rights to be annulled. I DO NOT AUTHORIZE you to mis-report any information now or EVER.
Product: Credit reporting or other personal consumer reports

DEMAND For Deletion OF LISTED ITEMS/Per XXXX Privacy Act Also see XXXX XXXX XXXX XXXX XXXX  15 U.S. Code & 1681- Congressional findings ad statement of purpose ( 3 ) consumer reporting agencies have assumed a vital role...

Consumer Relations Dept : THIS SHALL PROVIDE YOU FORMAL WRITTEN NOTICE of numerous violations of FCRA consumer law statute, regarding said personal private credit file. 
Per the FCRA, I am entitled to have a fair and accurate credit report.

XXXX PRIVACY ACT, you have the right to privacy., 15 US code 1681 602A the right to privacy,.

15 US code 1681 604 A Consumer Reporting Agency can not furnish an account without my written permission., See non-public personal information., 15 US code 6802-obligations with respect to disclosures of personal information ( a ) Notice requirements ; ( b ) The term affiliate means any company that controls, is controlled by, or is under common control with another company.

A person can only report to a affiliated corporation., A affiliated corporation is one in which the reporting person has a 51 % or greater controlling interest., 15 US code & 1681s-2 ( 7 ) Negative information ( A ) Notice to consumer is required ( I ) In General ; any financial institution that extends creditshall provide a notice of such furnishing of negative information, in writing, to the customer. 
This shall be done 30 days before, or after furnishing of any such negative information. 
Reporting of any alleged debt, as if it is a actual debt, ( never verified/validated or court order ), is ultra-vires action, HEARSAY.

Without a consumers written permission, reporting of any unauthorized information, for a commercial purpose, is a ultra-vires criminal XXXX, ( XXXX or more ), violation, resulting in, 18 US code 1028A- Aggravated Identity Theft, actions Designed to keep American consumers in illegal/unlawful financial slavery, see XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). 
Furthermore any continued reporting would be another violation, 15 US code & 1681n, knowingly, reporting.

For this reason, please request deletion of any and all negative reporting within the next 30 business days. 

For the following accounts. 
XXXX XXXX Account # XXXX Thank you, XXXX XXXX XXXX
Product: Debt collection

XXXX. account closed and I made numerous attempts to receive shipping boxes to return XXXX boxes. XXXX kept sending them to a undeliverable address which were then returned to XXXX. I finally was able to return the tuners and have XXXX office receipts to prove items were mailed. Numerous attempts to contact XXXX resulted in letters of either credit or " No Payment XXXX ''. Subsequent to the letters of " No Payment Due '' I am now receiving Letters from " Credence Resource Management, LLC '' Excellence Beyond Belief, ( a debt collector XXXX that I owe {$27000.00} and on XX/XX/2016 I received an additional online Bill from Direct for an additional {$83.00} and indicating that the tuner was not returned and is being charged to me. Upon receipt of the correspondence from " XXXX '' I called to dispute the charges and request a full breakdown of charges be sent to me. As of this date I have not received any documents from " XXXX ''. Due to the numerous conflicting " Bills '' and subsequent " Credits '' that I have received I wrote a letter which was mailed on XX/XX/2016 to Direct Corporate headquarters in Colorado and California explaining my frustration with the process of attempting to close my account and return the tuner boxes. To this date I have not had the courtesy of a response other than the threat of " A Bill Collector '' being assigned to collect a debt that I DO NOT OWE! It has become abundantly clear that the transition of tuner returns and billing services from XXXX to XXXX XXXX XXXX has resulted in total chaos and and attempt to collect funds from disgruntled prior customers. A quick look at the number of dissatisfied on the " XXXX '' website will certainly convince any prospective customer to now avoid XXXX. It should be noted that the XXXX Customer Service that was once received from XXXX is no longer there. Full documentation will be forwarded.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in Direct Violation of The Fair Credit Reporting Act { Acoount Name & Number # }, has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 written instructions.

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open- end plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Debt collection

I was contacted by Nations Recovery, trying to collect on a debt that they said was taken out with XXXX. The loan would have to be at least 15 years old, since XXXX closed their office in the town i live in at least 15 years ago. This debt has not been on my credit report for at least 5 years, which is when i started using the XXXX XXXX app. I don't have any documentation showing when the loan was taken out, and feel like it is outside the statute of limitations for Kentucky.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the results of an investigation conducted by Equifax regarding errors on my credit report. Despite my request for a fair and thorough review, Equifax failed to properly investigate and correct the inaccuracies, which are negatively impacting my credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing these account for the pass 6 months
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX for its abusive and unjust credit reporting practices, which have caused significant financial harm to me and potentially many other consumers. Given the severe economic challenges we are currently facing, such practices further burden responsible consumers and exacerbate financial instability. 

Case Details : While traveling abroad, I inadvertently missed a {$19.00} annual fee payment on my XXXX XXXX credit card ending XXXX. At no point did XXXX XXXX notify me of this outstanding balance or send a payment reminder. I have a longstanding history of timely and responsible credit management with XXXX XXXX, with no prior delinquencies. 

Upon returning to the United States and reviewing my accounts, I immediately rectified the issue and paid a total of {$77.00} ( which included any accrued fees ). However, despite my prompt resolution, XXXX XXXX has failed to update the credit bureaus to reflect the cleared balance, continuing to negatively impact my credit score. 

Unfair Credit Reporting and Consumer Harm : 1. Immediate Negative Reporting, Delayed Positive Updates While XXXX  XXXX instantaneously reports any charges made, they do not report balance payments with the same urgency, leaving accounts in an artificially negative state for an extended period. 
This practice is deceptive and unjust, as it disproportionately harms consumers by failing to reflect their true financial standing. 
XXXX. Severe and Disproportionate Credit Score Drop Due to this single, minor delay of {$19.00}, my credit score dropped by XXXX points, jeopardizing a critical real estate transaction just three days before closing. 
The rigid and punitive nature of this reporting system creates undue financial hardship and prevents consumers from accessing essential credit opportunities. 
XXXX. Unprofessional and Abusive Customer Service When I contacted XXXX  XXXX to address the situation, I was met with dismissiveness and a lack of accountability. 
I was informed that XXXX XXXX  reporting is automatic and irreversible, yet they have the ability to instantly notify credit bureaus of spending activity but not balance paymentsa glaring inconsistency that serves only to exploit consumers. 
XXXX. Retaliatory Credit Limit Reduction Shockingly, one day after I contacted XXXX XXXX seeking assistance, they reduced the credit limit on another one of my accounts ( ending in XXXX ), further worsening my credit utilization ratio and causing additional damage to my credit score. 
This retaliatory action directly contradicts fair consumer treatment and further underscores XXXX XXXX predatory behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report old balances On accounts, 30 to 45 days, had to file dispute for correction.
Product: Checking or savings account

I originally contracted and booked a trip with XXXX XXXX for XX/XX/XXXX. They debited {$4600.00} from my account on XX/XX/XXXX. On XX/XX/XXXX they informed me they would not be moving forward with my trip and that they would not be refunding my money. Per their contract if they did not give notice of 40 day or more the client ( myself ) had the right to request a refund or a future date. I requested a refund of which they declined to give me back my money. This was in XX/XX/XXXX. I at that time disputed the charge with Citi Bank. I was denied my claim because XXXX XXXX said that they were rescheduling my trip to a future date of XX/XX/XXXX. 

On XX/XX/XXXX from XXXX saying they were NOT going to give me my money back, they were NOT rescheduling my trip and that they were going into bankruptcy. I then went back to Citi to reopen the dispute and appeal as XXXX did NOT do what they promised. Citi bank again denied my claim This time claiming that the date of the transactions had already passed their appeal limit even though they acknowledged and accepted that the XXXX reschedule trip was a valid reason to deny my claim Citi Bank reopened my claim after my first complaint and have now again denied not for any of the previous reasons but now because the merchant has claimed I was suppose to go through an insurance policy that does not apply because it only cover customers in the XXXX XXXX and I am in the US. Citi accepted a screenshot of their most recent website as reason, which is not protecting me AT ALL instead of looking into what the policy was and who is covered. 

Further more .... the owner of this same company who rejected my claim is stating that what they stated is wrong when they disputed the claim ( see attachments ) and gave proof that I am NOT at all covered by their argument.
Product: Credit reporting or other personal consumer reports

THIRD PARTY- EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX  is breaking the consumer law pertaining to : XXXX XXXXXXXX XXXX XXXX XXXXXXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation. XXXX XXXX XXXX CARD  HOLDER!
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION HAS VIOLATED THE LAW ALONG WITH XXXXXX/XX/XXXX. I DID NOT GIVE WRITTEN CONSENT TO XXXXXX/XX/XXXXTO PULL MY CREDIT. TRANSUNION IS IN VIOLATION FOR NOT MAKING SURE ALL INFORMATION ON MY REPORT IS XXXX ACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the beginning of this year, I have fought tooth and nail in trying to correct items on my credit report with Transunion. The wrong address are still being reported, the wrong employer as well as inquiries. In additional to the XXXX XXXX XXXX, I became a victim of fraud in the worst possible way. Late fees have appeared on my credit report, credit cards that I did not approve - XXXX XXXX, high credit card balances due to fraud have all shown on my credit report. These issues has been dealt with, with each creditor, but has yet to my removed from my credit report.
Product: Debt collection

Attempted to Foreclose on Property without proper documentation. 

Using a Shell Company to attempt to Cover-up the False Documents.
Product: Checking or savings account

On or about XXXX XXXX XXXX Bank of America charged my atm debit card {$150.00} for a charge I believe was wrong. I put in a dispute with the bank to be told that it was a legitimate charge by XXXX. Within and right before the 90 day period of the bank being able to take the money back they did so right before the cut off date. The day that this happened I found my atm card in another area of my wallet. When I called to talk to the bank they told me it was a legitimate charge, but I know that was not the case. They blamed it on XXXX. I've also had a lot of fraudulent bank or atm charges on my account that for some reason I have had a difficult time disputing. Phone hanging up, etc. This has been ongoing for me for quite a while now with no relief in sight.
Product: Credit card or prepaid card

I recently opened an ALL rewards card ( issued by the clothing store Ann Taylor, but can be used anywhere -- it's a mastercard ) and it is part of Comenity Bank. Since I received the card more than a week ago, the Comenity Bank portal is down and there is no way to log in and when you call there is no customer service to speak to. I have done some research online and many other people are having this issue ( they manage cards for a variety of stores like Ikea, Ulta, XXXX XXXX, etc. ). I can't pay my bill because there is no way to do it ( although I have the funds and would like to! ) and I am also worried about how this might affect my credit score -- including after all is said and done and I want to close this account because it is not worth the headache. Comenity has been claiming that this is " planned system update that took longer than expected '' but no scheduled maintenance takes this long and blocks thousands ( millions? ) of customers out of their accounts for over a week and counting. They have not been forthcoming or proactive with any information -- and what they do share is vague, patchwork, and unhelpful -- if it is even true. The one and only time they reached out was XX/XX/XXXX via email. I have not heard from them since then. I am worried my XXXX  is part of some data breach or something worse, but we have been kept in the dark. 

Thanks so much.
Product: Debt collection

I spoke with representative on XXXX XXXX, XXXX regarding a debt that showed up on my rental report. I requested a letter of deletion as this debt is invalid. Representative stated that company claims last months rent was reported as unpaid and additional fees were assessed, totaling the debt amount. Representative recommended sending in supporting documents such as bank statement showing receipt of rent payment. According to FDCPA, debt collectors are required to provide proof of debt, in which I have not received. I explained to the representative that I sent in a written dispute in XXXX XXXX, in which the judgement ( Docket # XXXX ), as well as collection, connected to the debt were permanently removed from all credit reports. Representative confirmed that account has been disputed online and via a third party agency, yet no debt validation has been received. Debt collectors are required to send a written debt validation letter within five days of the initial dispute, which in this case was XXXX XXXX. Given that the debt has not been validated, nor has it been proven that any debt is owed I am demanding that National Credit Systems permanently removes account # XXXX from rental report, and verify that no further collection efforts will be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account with XXXX XXXX and XXXX was properly investigated but it continues to display inaccurate information. The following errors are identified : The balance is incorrect The account status is incorrect The last reporting date is incorrect Remarks are incorrect This is a violation of my rights under 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.
Product: Mortgage

I decided to close the escrow account. The Flagstar Bank sent me a letter stating that they would charge a non-negotiable one-time escrow waiver fee of {$720.00}.
Product: Payday loan, title loan, personal loan, or advance loan

I thought I was taken a loan for a little over XXXX dollars and when I started paying on it was over XXXX dollars with XXXX  the ad on and additional fee that were not explained to me. This is a One main financial loan and on my credit report only shows a XXXX loan give or take. I feel that there is something wrong with this but I could wrong and I didnt know I had some recourse.
Product: Student loan

In the past against my explicit wishes Firstmark Loan services has contacted family members including my elderly grandmother about loans that were just a few months past due. 

In the past year or so I have not let that account get that behind and it is currently up to date and has not been more than one month behind in probably a year or more. However I am, at most, one month in some sort of annual or biannual check of contact information which I updated online today. This info has not changed in 3 years. But without attempting call or email or send a letter about this they decide to start calling my Aunt instead. 

This is ridiculous I am a XXXX year old why do they keep reaching out to my family about my personal private information and all on a small student loan debt that has been a few months behind at worst!
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize or benefit from the following fraudulent inquiries. PLEASE block and remove them. XXXX 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.
Product: Checking or savings account

I received a letter saying that I need to update my business checking account with my physical address. I updated the address to match my physical address ( matching my drivers license ). I received another letter saying the account will be closed. I called and verified the address over the phone. they confirmed that the address is updated and I should ignore any further letters. 2 months later they closed my account and seized all the balance in my account. that disrupted my business as all my online business and Stripe account was tied to that account.

I called to ask why it was closed they said there are two profiles on the system and one had the wrong address. I explained I only have one account and one profile that I can access online and on THAT profile, my address IS updated and the proof is the last letter they sent me DID come to my home address! The bank in question is WELLS FARGO
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I had a fraudulent account on my credit report. Please remove this account from my credit report, it is hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Equifax never provided me with contracts for fraudulent Student loans taken out in my name online so I filed a bankruptcy because I refuse to pay for something I never applied for. Now Im paying for student loans as though I applied, I told the attorneys I did not apply for student loans and with the bankruptcy Equifax is still reporting these loans on my credit report and other accounts that are included and have been denied through the bankruptcy.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX  Please remove it from my credit report.