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

In XXXX of XXXX I received a credit alert from XXXX XXXX credit monitoring stating that and Affirm account was opened in name. I called affirm and provided the requested information for them to search their database for my information which was my correct phone number and email address, I was told that there were no accounts matching that email and phone number neither the last four of my social security number. In XXXX of XXXX I received a notification from experian that there are XXXX affirm accounts that are two months late. Whenever I called affirm they refuse to provide me with any information that I can accurately dispute the claim such as location and date when the account was created and what documents where used to create the account. After speaking with an experian agent today I was informed that affirm does not pull your credit report when they create accounts for individuals. So they do not verify at XXXXhe point of the loan creation the persons identity that is applying for the loan. When experian sends you a detailed credit report affirm does not show up on either a soft pull or a hard inquiry so that by the time you are aware of it, it is too late to dispute it. Your information is also saved under a different phone number and email address so you will never be able to stop the process till after they send your information into collections.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear XXXX I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payment reported on XX/XX/XXXX does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. 


I have always valued my relationship with XXXX and have made all my payments on time, except for this instance, which I believe may have been an error or the result of a delay in payment processing or misreporting on the creditors part. I have attached relevant documentation to support my case, including statements that show my timely payments and other evidence highlighting the error.

I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 


Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a credit card account with transunion and it said that it was going to be deleted but its still on my credit report
Product: Mortgage

We have an escrow account set up to property taxes and insurance and Selene Finance has failed to pay our insurance and our policy has lapsed. For loan number XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

They were provided with all necessary insurance documents and information to pay the policies and have failed to due so.

There are two buildings and two different policies. One was paid and they will not pay the other one.

They hang up on you when you call, give you the run around and transfer you to new departments with no answers. We have sent formal request to which they have never replied.
Product: Credit reporting

I have reported that negative accounts that are over 7 years are still on my credit report and would like them removed.
Product: Credit reporting 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXX XXXX - XX/XX/year>
Product: Credit reporting or other personal consumer reports

There are hard inquiries that were not authorized by me and I need these removed immediately. I have spoken to the credit bureau who refuse to investigate and remove the hard inquiries. I was also aware that there was a breech and this was an impact to me. Please remove these unauthorized inquires.
Product: Credit reporting or other personal consumer reports

NOTICE OF LEGAL VIOLATIONS AND DEMAND FOR REMOVAL Re : XXXX and XXXX Bank Unauthorized Reporting Consumer : XXXX XXXX XXXX LEGAL FOUNDATION FOR REMOVAL : XXXX. REVOCATION OF AUTHORIZATION : According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' 2. IMMEDIATE CESSATION REQUIRED : Per 15 USC 1681b ( a ) ( 2 ) : " Any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : in accordance with the written instructions of the consumer to whom it relates. '' My written instructions explicitly REVOKE all authorizations, making any continued reporting illegal. 

MULTI-LAYERED VIOLATIONS : XXXX. FCRA Core Violations : 15 USC 1681b ( a ) : No permissible purpose exists 15 USC 1681b ( f ) : Unauthorized use of consumer report 15 USC 1681s-2 ( a ) ( 1 ) ( A ) : Reporting known unauthorized information 15 USC 1681c ( h ) : Continued reporting after revocation 2. Privacy Act Violations : 5 USC 552a ( b ) : Unauthorized disclosure 5 USC 552a ( e ) ( 5 ) : Maintaining unauthorized records 5 USC 552a ( d ) ( 2 ) : Denial of amendment rights 3. Consumer Protection Violations : 15 USC 1692e : False representation 15 USC 1693e : Unauthorized electronic access 12 CFR 1022.136 : Consumer rights violation LEGAL PRECEDENTS : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : - Requires immediate removal of unauthorized information - Places burden of proof on furnishers - Establishes strict liability for violations XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXX ) : - Defines willful noncompliance - Establishes statutory damages - Confirms consumer control rights XXXX. CFPB Enforcement Actions : In re XXXX, XXXX ( XXXX ) : - Required removal of unauthorized information - Established consumer control precedent - Mandated compliance procedures BURDEN OF PROOF : Furnishers must prove : XXXX. Current valid authorization exists XXXX. Written consent not revoked XXXX. Permissible purpose continues XXXX. Legal basis for reporting NO SUCH PROOF EXISTS
Product: Mortgage

There appears to be a RESPA violation with XXXX XXXX of XXXX XXXX XXXX XXXX out of XXXX requiring all potential buyers of her listing to cross qualify with XXXX XXXX of Cross Country Mortgage. Upon research by my agent, it has been discovered this has been going on since 2014 on her listings. Since this appears to be directed by the listing agent, and not the seller as it would appear to be too coincidental that all of her sellers would be recommending a cross qualification with XXXX XXXX without the solicitation of XXXX XXXX, that there is something going on behind the scenes whether it be a kickback, or promise of business, or even financial consideration. I was required to cross qualify and after our offer had been accepted XXXX XXXX came back and said he did not like our buyer 's ability to obtain financing. At this point the offer was already accepted, and XXXX XXXX at the direction of XXXX XXXX breached our contract by having her seller 's sign a unilateral cancellation. It appears the relationship with XXXX XXXX also is in place to try and find loop holes in case better offers come in, something which does not work in California in regards to fully executed real estate contracts. Because of the relationship with XXXX XXXX, XXXX XXXX and their preferred escrow XXXX XXXX, the contract is stalled until further action is taken. I am approved and ready to go with XXXX XXXX, and buyer 's can not be forced to obtain financing through a specific lender.
Product: Debt collection

I had an issue with XXXX Wireless.  It got nasty; I wrote a letter to the XXXX, sent a copy with a note to the President XXXX.  The result was that all the XXXX billing was taken away, and I got a XXXX+ credit on my Wireless account.  I suddenly got a letter from MRS BPO, L.L.C. stating they were collecting XXXX for XXXX.  No one at XXXX knows anything about it. My current bills do not indicate the amount. I don't want my credit ruined by these people and no one knows who authorized the collection agency to come after me.  XXXX.
Product: Credit reporting

I have normal credit reports at XXXX and XXXX but NO credit information at Transunion. I have been denied credit several times when a company checks my credit with Transunion and apparently I have no credit. I have filed a complaint on-line and they sent me a form to be filled out and requested a copy of my social security card and driver 's license. I sent all that to them and they still could not provide a credit report to me ( so ... no resolution or information on why they have no information ). I am a joint holder on numerous credit accounts ( mortgages, etc. ) with my husband, so they must have something on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

delete accounts that are not mine police report with accounts listed on EXPERIAN and XXXX has been sent out by mail
Product: Credit card or prepaid card

Bank of America charged my credit card {$29.00} back in XX/XX/2020 for no reason from XXXX XXXX. I disputed this charge with them multiple times and every time they agree it's fraud and say they will remove the charge but never do and everytime they tell me I need to wait a month until it will be fixed on my account. For more than 2 months now I've called them multiple times that this charge is fraud and their representative says the amount will be removed but never is. 

Bank of America has now sent this amount to collections which they said they would not do since it was an unresolved fraudulent charge. 

Bank of America is not protecting their customers from fraudulent charges.
Product: Credit card or prepaid card

See case # XXXX. This is a revised letter. In the letter I had got XXXX XXXX XXXX crossed with XXXX XXXX XXXX. The Correct department is the XXXX XXXX XXXX. The revised letter indicates this as zI sent the wrong version.
Product: Credit card or prepaid card

this is about a paypal card by synchrony bank. i overpaid the account in XXXX and contacted them to get a refund, they never sent it. i called to close the account and requested a refund, again they never sent it. i have called no less than 8 times and spoken to " supervisors '' all promise to take care of this but they never do. the amount is over {$4600.00} so its not a minor issue. the last call was last week when i was again promised my refund would be sent out in 3 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I SENT MAIL TO EQUIFAX, XXXX  AND XXXX  TELLING THEM TO PLEASE SEND ME VARIABLE PROOF OF THE ACCOUNTS THAT ARE INACCURATE. 

1. XXXX XXXX XXXX ACCNT # XXXX {$1500.00} 2. XXXX XXXX XXXX XXXX ACCNT # XXXX {$980.00} 3.XXXX  ACCNT XXXX : XXXX {$1000.00} 4. XXXX XXXX XXXX ACCNT # : XXXX XXXX. NO NAME ONLY THING IT SAYS XXXX, OH XXXX {$250.00} IDENTIFICATION NUMBER : XXXX 6.XXXX/ XXXX XXXX XXXX XXXX XXXX {$10000.00} 7. XXXX XXXX XXXX XXXX # XXXX {$230.00} 8. XXXX XXXX  DEBIT CARD ACCNT # XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I have submitted XXXX separate requests to investigate discrepancies in my credit report, but I have not received any responses. Each request has involved expenses for time and postage, yet there has been no resolution or acknowledgment from the reporting agencies. This ongoing issue has caused significant inconvenience and financial burden without any progress towards a resolution. I urge the CFPB to look into these unaddressed requests and the lack of communication from the agencies involved.
Product: Debt collection

Reference # : XXXX I reject your offer to contract. I did not consent to any nonaffiliated third party being in possession of my nonpublic personal information. This is a notice to cease and desist all communication resulting from this alleged debt. I am not requesting validation of any alleged debt as obtaining nonpublic personal information without my lawful authority constitutes aggravated identity theft 18 USC 1028A. The balance reflects an extension of credit. The collection of this extension of credit would be a violation of the false claim act. I would like the name and address of the original creditors as I have reason to believe that you both are conspiring to collect on this extension of credit through unlawful extortionate means. If there is any attempt to engage in any further collection activity on this extension of credit such as the furnishing of false credit information to the credit reporting agencies, I will file for suit for intentional infliction of emotional distress!
Product: Debt collection

JEFFERSON CAPITAL SYSTEM LLC at XXXX XXXX XXXX XXXX XXXX, MN, XXXX has been sending me collection notices in the amount of {$3800.00}. The collection has been reported as past due balance on my XXXX credit report. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Product: Debt collection

I am writing to file a complaint against LVNV FUNDING LLC regarding an issue with an account that has been reported on my credit report. I believe this report to be erroneous, and despite my efforts to resolve the matter directly with the company, no action has been taken to address the situation. 
Upon reviewing my credit report, I noticed an account reported under LVNV FUNDING LLC with the account number XXXX I am not aware of ever opening an account with this company and have no recollection of any transactions or communications with them. 

I contacted LVNV FUNDING LLC on XX/XX/year> and provided them with the account number listed on my credit report to seek clarification and request the deletion of this erroneous entry. 

The company informed me that the account number I provided does not exist in their system. Despite this, they refused to take further action to delete the entry from my credit report. 
This inaccurate information on my credit report has negatively affected my credit score and financial standing. The lack of resolution from LVNV FUNDING LLC has caused undue stress and frustration.
Product: Vehicle loan or lease

On XX/XX/2020, we paid off our loan with Kia Motors Finance. We still have not received our title and have tried on multiple occasions ( email, phone ) to get a status update. The company has not responded to our emails and repeated phone attempts have been unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX XXXX XXXX Date Updated XX/XX/XXXX XXXX  ; was Charged-off< Date Closed XX/XX/XXXX in accordance with the Fair Credit Reporting act the XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Certified Services Inc violated 15 usc 1681a ( 2 ) ( B ) and 15 U.S. Code 1681b ( a ) ( 2 ). Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction I am complaining about.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> The credit bureaus stated XXXX XXXX was properly investigated, that I did not supply enough proof. Please see my police report thar verified my complaint. Also I tried several times to upload this information on experian site and would not work. I am a Victim of fraud and identity theft and I feel that I have been treated unfairly and like a liar. This has hurt my credit and continues to cause anguish in my life. 


This is ground for removal. They also violated my rights under 15 U.S.C. 1681 SECTION 604 A SECTION 2 The law clearly states a consumer reporting Agency can not furnish a account without my written instructions. I have not given this account written permission to furnish this account on my credit report. This account is currently closed and under investigation from kohls and correcting all fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20, I received an email from XXXX  that my credit scored with Equifax had been reduced by 30 points. When I accessed Equifax, my entire auto loan with XXXX  had been removed and identified as paid. I submitted 4 emails and proof of the reporting to XXXX and asked them to fix this immediately because I am in the middle of a mortgage purchase. I received 4 automated responses to my emails. I finally called XXXX and the representative stated that " the credit bureaus are not telling me the truth, that they have NO reason to report my account as closed ''. I asked to speak to a manager but none were available so they sent me to a " consumer help line '' who told me that " this is a KNOWN problem and that it will take 45 days to update the reporting ''. Why is it that they are allowed to negatively effect my credit, which will DEFINITELY stop me from purchasing a home because the drop in my score will effect my interest rate ; but I have to wait FORTY-FIVE DAYS for them to fix what they XXXX  up? Why do I have to suffer for their mistake?
Product: Credit reporting 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  XXXX : # XXXX, XXXXXXXX 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 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 reporting, credit repair services, or other personal consumer reports

I have conducted search on my consumer credit report, after carefully realizing I have been denied credit because of what's reporting on my credit report I have turned in an Affidavit to Transunion on XX/XX/2021, citing consumer laws that they have been violating, and did not receive written correspondence back. I never gave them consent verbally, written, orally or telegram to produce negative items on my report that reflects as a risk to credit companies and furthermore it creates a bad reputation for me. I have been discriminated by my character because of the fraudulent invasive practices of Transunion reporting negative furnishings on my credit account that I never authorized them to do so. I ask that Transunion furnishes a written consent that I sent them dated and notarized by the CFO of the company, if they can not do so then I demand that all negative items that have been reported be removed, all inquiries to be removed, all late payments to be removed, and my credit scoring system tool should stay at an XXXX ( which is produced to be a good credit rating according to Transunion ) at all times to continue to show I am in deed a great person of character and to not tarnish my name by reporting inaccurate, and negative information. Under the law this is indeed presumed as identity theft, as I never gave them my permission or consent to furnish these negative bogus items on my credit report.

Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681a ( e ), in 15 U.S. Code 1681i ( 1 ) ( A ).

The law states to do what is requested by the consumer, in this case I am requested to have a good credit scoring system of 760 at all times, as well as ALL negative items that reports as negative be removed.