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

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602 A. SECTION I. I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SEC 604 A.SECTION 2. STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 



XXXX XXXX XXXX XX/XX/XXXX {$940.00} XXXX XXXX XXXX XX/XX/XXXX {$960.00} XXXX XXXX  XX/XX/XXXX {$450.00}
Product: Credit reporting

I currently have a judgment that is being reported on my Equifax credit report. The creditor is XXXX. I disputed this judgment with Equifax for inaccuracies regarding this public record. I currently received a copy of the reinvestigation from Equifax. The information that I received from Equifax states " we have verified that this public record item is reporting correctly. '' I am attaching documents that will prove this is not true. Equifax has my judgment satisfied date as XXXX. The date I satisfied this account was XXXX/XXXX/2015. The amount I paid was {$1300.00}. The amount listed on my Equifax credit report is showing {$1200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Finance, My name is XXXX XXXX XXXX. 

I recently, obtained a copy of my Equifax Credit Report for XX/XX/2018. I notice on my credit report that, XXXX / XXXX had stated that, the courthouse verified my bankruptcy at the Court house. So, I written to the court house to confirm the information about the " verification '' made by XXXX / XXXX statement on my Equifax Report. 

See attached Documents A week later, I received a letter responding back to me saying this -- " Please be advised that the U.S. Bankruptcy Court is not responsible for verifying or validating information from consumers ' credit files ''. The letter, also went on to say -- " As indicated on the Court 's website, the Court receives many telephone calls about bankruptcies unfairly appearing on consumer credit reports. 

The Court does not report bankruptcies to the credit bureaus and does not get involved in disputes regarding credit reports. The Fair Credit Reporting Act ( 15 U.S.C. 1681 ) is the law that controls credit reporting. '' I then sent a certified letter to ALL the credit reporting bureaus, XXXX XXXX, Equifax and XXXX  a copy of the letter from the court house to show them the evidence -- that the courts, do not verify information for credit reporting companies. 

I asked the each credit bureau to " remove the information - that is incorrect, untrue, mis-leading or false, " they are reporting on my social security number. I also so told them -- by law the Federal Law they are in violation of the Fair Credit Reporting Act - Section 623 ( a ) ( 3 ). 

I have written to asked them to remove the fraudulently information from ALL my Credit Reports. Please assist me in correcting the information on ALL my credit reports, XXXX XXXX, XXXX and Equifax. 

Sincerely, XXXX XXXX XXXX XXXX, See Attached documents.
Product: Credit reporting or other personal consumer reports

ACCT # : XXXX SSN : XXXX XXXXXXXX XXXX XXXX ID : XXXX Address : XXXXXXXX XXXX XXXX XXXX, LA XXXX Dear XXXX XXXX : I recently received a debt collection notice from your office with an account number # XXXX. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

I tried adding my bank account information to add money to invest more into my account. Saw on the app that the app would not work in my region, even though that is not true. I went online and received an error stating that my account was locked. Ive been on hold with support XXXX separate times accumulating to a total time of XXXX hours on hold waiting to get an answer. The first time they said I needed to verify my identity, so I completed all the necessary steps given. The second time, a report was made and I was told that I would get an answer in XXXX business days. I received an email that stated that my account would remain locked. I tried again today, and was told that the report was still processing and any decision made was final. Meaning if they decided to lock my account I can not deposit or withdrawal funds. 
I was told that since I have used my husbands phone on and off to check my account and since he has a XXXX  my account was locked due to suspicious activity. But even with me providing the locations his XXXX had given, Im still being left in the dark and unsure if I will be able to get any if not just the money I originally invested out of this. I have put too much money into this to just lose it.
Product: Student loan

I got A XXXX  XXXX loan that was a XXXX  lender I never received a postcard about the settlement not the Student loan forgiveness and no $ XXXX my loan servicer is now advantage I got an account that was forwarded from Nivient to Advantage that said I owe XXXX XXXX, no mention of the loan forgiveness or post card and check sent to me only that I owe Advantage my new servicer please request XXXX send out the postcards my loan is one of the loans that qualified to forgive the loan and to pay me {$250.00} Thank you! XX/XX/22 XXXX XXXX loan forgiveness XXXX  settlement. XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im reaching out because there are inaccurate items on my credit report that need to be addressed. The details of these errors are listed below : XXXX XXXX - XXXX - {$1700.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$0.00} I have attempted several times to resolve these discrepancies by submitting disputes and providing the necessary documentation, yet no corrective action has been taken. Despite my repeated efforts, these errors remain on my report, negatively impacting my financial situation and causing undue stress. It is frustrating to keep dealing with these unresolved issues. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to a credit report that is both fair and accurate. I am asking you to take immediate action to verify and correct these mistakes. If you are unable to confirm their accuracy, they must be removed in compliance with federal law. I appreciate your prompt attention to this matter.
Product: Debt collection

Sent 3 emails to my daughter about a debt they want to collect and gave her all information about the debt including original creditor, debt amount, etc. This is an explicit FDCPA violation. The email address was created BY MY DAUGHTER several years after the debt was incurred, was never associated with the account and she lives in a different home than I do and has for 4 years. 

If they are sending to her then I don't know who else they are sending this same information to in a blanket attempt to collect an old debt they purchased from the original creditor. CFPB should request this information and take further action based on who else they contacted.
Product: Credit card or prepaid card

I currently have a Care Credit card through XXXX Bank. My issue is, I have consistently made my monthly payments OVER the minimum payment amount required. EVERY month, after I make a payment equal to twice the amount of the minimum payment required, Synchrony LOWERS my credit limit so that it is reported to the credit bureaus the card is at 100 % and charges me interest and fees which then puts me over the credit limit and my overall credit score takes a hit every month. I am trying to pay this card off but this bank is making it extremely difficult. I don't know if this is illegal but it certainly seems to be unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my most recent credit report, your company is currently reporting to the credit bureaus nonpublic personal information. In accordance with 15 U.S.C 6802, a financial institution may not disclose nonpublic personal information unless the financial institution clearly and conspicuously discloses to a consumer in writing or electronic form that such information may be disclosed to a third party organization. Further, the consumer must be given the opportunity before that information is disclosed, to direct that this information may be disclosed or exercise the nondisclosure agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the FCRA, I am a federally protected consumer. According to the law, consumer reporting agencies are to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, Equifax, and XXXX are classified as consumer reporting agencies, and I by definition am the Consumer. Pursuant to 15 U.S Code 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX XXXXer 15 U.S Code 6801 is defined as a financial institution ; of which I am sure the U.S. Department of Justice, the U.S. Department of Housing and Urban Development, the U.S Securities and Exchange Commission, and the Office of the Comptroller of the Currency [ would ] consider any information that this institution engaged in illegal credit practices before the end of the institutions next performance evaluation. XXXX XXXX XXXX is in violation of 15 U.S Code 1681a ( 2 ) ( A ) ( i ). See Exhibit A. XXXX XXXX XXXX  is under the regulation of many laws and as previously mentioned one of those is the FCRA, which states the term consumer report DOES NOT INCLUDE any report containing information solely as to transactions or experiences between the consumer and the person making the report. Pursuant to 15 U. S Code 1681c ( a ) ( 5 ) the publishing of any adverse item of information should not be on any consumer report. It clearly states except as authorized under subsection ( b ), 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. This is a violation as they are reporting these items without my permission. See Exhibit B for the account I, the consumer, am speaking of. 15 U.S Code 1681e states every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.
Product: Checking or savings account

( 1 ) opened 1 safety box on XXXX, box number # XXXX, {$51.00} service fee to be waived for premier customer ( 2 ) had problem with the keys, closed # XXXX and opened a new box with box # XXXX on XX/XX/XXXX ( 3 ) I have everything auto pay and accounts linked as premier customer and believed 1 safety box I had should be free of charge from the waiver ( 4 ) but while talking to customer service, they found that there were 4 charges on my account XXXX : {$51.00} XXXX : {$51.00} XXXX : {$51.00} XX/XX/XXXX : {$51.00} ( 5 ) also they found that the safety box # XXXX was still assigned for me and not closed properly causing those fees Bank of America made error by charging me for the safety box I no longer have ( 6 ) asked them to refund overcharged 4 of {$51.00}, {$200.00} but the lady said I have to visit branch and explain and ask to see if they can do something I made many phone calls for long time already and bank of America is being negligent and irresponsible again over their old negligence I want my {$51.00} X 4, {$200.00} back Person I spoke : XXXX at customer service XXXX at Safety box department in XXXX XXXX Person who refused to help further and sending me back to the branch : XXXX XXXX XXXX Officer & Proficiency Coach Complaint # : XXXX
Product: Mortgage

sent in all paper work and then company is unresponsive months it has gone on the loan officers child is sick and she claims to have sent it to superiors who are either on vaca or just never respond
Product: Credit reporting, credit repair services, or other personal consumer reports

It is clear to me that a mistake has been made on my credit report ... These companies conducted a credit inquiry without my authorization.. I disputed the inquiries but it came back verified. I never gave this company the permission to check my credit report.. Please take this off XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has stated that my account was paid late XXXX time ; XXXX days. 

After talking to many customer service reps, I was finally told on XX/XX/22 that XXXX has had issues with their computers resulting in false XXXX day late payments. 
I was informed to dispute these with the credit bureaus. XXXX did not investigate or fix the issue. ( XXXX day late payment on ALL XXXX of my credit reports ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the following items inaccurately. Can someone please look into this. Thank You ACCOUNTS XXXX XXXX not mine XXXX XXXX DE XXXX not mine XXXX  XXXX XXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX  XXXX not mine XXXX  XXXX XXXX not mine PUBLIC FILINGS XXXX DIST CT XXXX not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

Transunion Unauthorized Inquiries : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX- Inquiry from XX/XX/XXXX XXXX XXXX- XXXX XXXX- Inquiry from XX/XX/XXXX Merchants XXXX Inquiry from XX/XX/XXXX Merchants XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Unauthorized Inquiries : XXXX XXXX, Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Usa Inquiry from XX/XX/XXXX XXXX , XXXX Inquiry from XX/XX/XXXX
Product: Mortgage

Freedom Mortgage purchased my loan fro XXXX Mortgage and did not supply a new account # in the correspondence. Therefore, I mailed my payment to Freedom mortgage well before the due date of XXXX XXXX. They proceeded to call me to collect, send me multiple collection and late notices, and meanwhile they cashed my check and mis-applied funds to someone else 's account. I called my bank, XXXX, and they supplied evidence of Freedom cashing my check ; while someone at Freedom hand wrote someone else 's account # on the check. I faxed and emailed the cancelled check to Freedom ( XXXX XXXX XXXX did directly as well ) ; yet Freedom still is " investigating ''. When asked if they are charging interest on the principal payment I made and they cashed, I was told " I do n't know. ) Their website also did not permit me to access any of my account information after multiple password resets and is clearly far behind the times. 

I have never had a late mortgage payment in over 20 years on any of my properties.
Product: Credit reporting or other personal consumer reports

I am writing to address a serious concern regarding the handling of my private information. As outlined in the Fair Credit Reporting Act ( 15 USC 1681 ), it is crucial for consumer reporting agencies to handle information with fairness, impartiality, and respect for privacy. XXXX and Experian are both responsible for ensuring that my private data is managed correctly and securely. 

According to 15 USC 6801, financial institutions have a duty to protect the privacy and confidentiality of their customers information. Since you act as financial institutions in this context, you are required to uphold this standard. Additionally, 15 USC 1681 requires that any consumer report can only be provided based on my explicit written instructions. I have not given my consentneither verbal nor writtenfor any of my information to be shared with third parties.

Further, under 15 USC 6802 ( b ) ( c ), you must inform me of how I can exercise my right to prevent the disclosure of my nonpublic personal information. However, I have not been given this explanation, which is a clear violation of the law. 

Moreover, 15 USC 1681c ( a ) ( 5 ) prohibits the reporting of adverse information that is more than seven years old. Yet, my report includes such outdated information without my authorization. This is unlawful. 

Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) states that information must not be reported if it is known or should be known to be inaccurate. I am concerned that XXXX and Experian are not maintaining the necessary procedures to comply with this requirement, as specified under 15 U.S. Code 1681e. 

According to 12 CFR 1016.7, I have the right to opt out of your reporting services at any time. Therefore, I am formally opting out of your reporting services effective immediately. 

Please confirm the receipt of this notice and take prompt action to correct these issues. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I booked XXXX hotel rooms through XXXX - XXXX room for my family & XXXX room for my employee, for a work event in XXXX XXXX. We stayed at XXXX XXXX, checked in on XX/XX/22, checked out on XX/XX/22. When we checked in, we gave a credit card for incidentals. When we checked out, one of the cards was billed directly by XXXX XXXX for {$1100.00} ( the total charge for a room for those dates ). We did not authorize this charge. Both rooms were paid in full to XXXX for {$1300.00} & {$1100.00} ( XXXX room had a single bed, XXXX room had XXXX beds ). I called XXXX XXXX as soon as I saw the charge, they advised me they couldn't do anything, and I needed to contact my credit card company ( Capital One ). I started a fraud case with Capital One and the way it was handled seems like fraud itself. First, they closed the case stating I did not submit paperwork in time ( they admitted the paperwork was received in time & it was accidentally closed by an employee and they would re-open it ). Then, they re-opened the case, however, they said that I needed to close the case and file the case against XXXX. So I followed their instruction, and when I went to re-file the charge against XXXX, they said it was too late to open the case as the time frame had passed ( but it only passed because of their handling of the case and delaying the matter ). I then sent a certified letter to XXXX XXXX asking for them to review the charges and ask for a refund, and I never received any reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing this here AGAIN, because XXXX has placed someone elses name on my credit report under Responsibility How is another person that has their name on my credit file, offers due process? They cant! I did not authorize anyone to put someone elses name on my credit file relating to any specific account and I most certainly did not give XXXX permission to report another persons name on my credit file and I have never seen such a thing! This can not be legal because it does not offer dispute or due process under fair credit reporting and this has to be a beach or someone elses rights and right to privacy.
Product: Debt collection

You, meaning ABSOLUTE RESOLUTIONS INVESTMENTS, have violated the FDCPA and have not fulfilled my request for the alleged debt ( s ) in question to be validated pursuant to 15 U.S.C. 1692g. You have failed to provide me with a copy of any viable evidence, bearing my wet ink signature, the forward flow agreement, the chain of assignment, the full accounting and audit trail showing the account ( s ) are being reported accurately. See attachment for further details.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an incorrect account on my credit report with the three major credit bureaus : XXXX, XXXX  and TransUnion. They have not provided any documentation to validate or verify the account, even after I informed them that I never opened an account with XXXX XXXXXXXX. The account is showing closed as of XX/XX/XXXX and is also indicating that the account is past due as of XX/XX/XXXX. I would like this account to be deleted from my credit file with the three major credit bureaus. As I stated before, I have disputed this account with all three bureaus twice : XX/XX/XXXX and XX/XX/XXXX, and despite informing them that I have never opened an account with XXXX XXXXXXXX and none of them providing documentation to validate or verify the account, they have not done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my right. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Product: Debt collection

Contacted XXXX XXXX in XX/XX/XXXX/XX/XX/2017 to settle debt I had outstanding. Came to agreement to pay less than full balance to settle debt owed. Made 4 payments : XX/XX/17 : {$400.00}, XX/XX/17 : {$590.00}, XX/XX/17 : {$490.00}, XX/XX/17 : {$490.00}, XX/XX/17 : {$490.00} totaling {$2400.00} with the agreement this would settle the debt owed. Comenity bank breached our contract and sold the debt to another 3rd party in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a late payment on this closed and paid as agreed account which is reflecting negative on my credit report.
Product: Credit reporting or other personal consumer reports

I mailed a letter on XX/XX/XXXX to these companies asking them to investigate these incorrect reportings. The time frame in which they have to investigate and re report correctly has expired. 

Im filing this complaint to expedite the process, for my consumer rights have been violated and these companies need to be held accountable for their misreporting. 

Your attention to this matter is greatly appreciated. 

Sincerely, XXXX XXXX