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

In accordance with the Fair Credit Reporting Act ( 15 USC 1681, Section 602a ), it is imperative to ensure that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy. XXXX and XXXX, being consumer reporting agencies, interact with me as the consumer. I possess the right to safeguard my private information, as reinforced by 15 USC 6801, which dictates that financial institutions have an ongoing obligation to respect customer privacy and safeguard nonpublic personal information. XXXX XXXX falls under the definition of a financial institution in compliance with this policy. Under 15 USC 1681, Section 604a, Subsection 2, it is stated that a consumer reporting agency may furnish a consumer report only upon the written instructions of the relevant consumer. Both XXXX XXXX and the consumer reporting agencies, XXXX and XXXX, do not possess my consent to disclose this information, nor do they possess my written consent. I hereby revoke any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise. 
15 USC 6802 ( b ) ( c ) specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to exercise a nondisclosure option. XXXX XXXX never informed me of my right to exercise this option. 
Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account is being reported as adverse without my permission, which is in violation of the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) A prohibits the furnishing of inaccurate information to consumer reporting agencies, and 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations of Section 1681c and restrict the furnishing of consumer reports to specified purposes. XXXX and XXXX appear to be failing to maintain reasonable procedures. 
Moreover, 12 CFR 1016.7 affirms my right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services Immediate deletion of account and {$1000.00} per violation I am entitled to a $ 1,000per violation plus any other damages i have sustained as a result of your failure to follow the law. I have file more than 1 complaint, willful noncompliance can easily be proven as you had a full understanding of the violations after i complained the 1st time 15 U.S. Code 1681o - Civil liability for negligent noncompliance
Product: Vehicle loan or lease

The bank is usaa. Im about 2mts behind. I typically pay the loan on the XXXX yet this month Ill get paid from the XXXX  as a XXXX vet on the XXXX. Tried calling twice to make sure that was ok. Was denied speaking to a manager, second time I called I got the same rep who I had a very hard time understanding and she hung up on me.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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  Balance : {$21000.00}
Product: Checking or savings account

Upon reconciling our main checking account on    XX/XX/XXXX  , it was notic ed that there was a banking error with a check. Also noticed was that our ATM checking account was being charged insufficient funds fees. The customer service representative looked back into the account and informed us that the account was being debited these fees since the inception of the account dating back to  XX/XX/XXXX . We are enrolled in the Platinum account series.   Quoted from their Personal Deposit Account Fees and Feature  s Guide : How to avoid monthly maintenance fee - Waived with a {$25000.00} monthly combined deposit and investment balance across your linked accounts.
- Certain accounts can not be linked but may be used for relationship pricing. The Monthly Maintenance Fee is waived upon request if you also have the following accounts with us or our affiliates with a {$25000.00} monthly combined balance across the Platinum Checking account and any of the following accounts : 1 ) certain out of state deposit accounts and 2 ) select investments.
Our accounts fell within these rules and none of them should not have been charged any fees.
We were asked why we did not notice this earlier to which we responded that we were of the understanding that our accounts should not be charged fees based on the above information. One of bank representatives asked us to submit a statement of hardship to help this request that nee  ded to be elevated to the Regional Manager.
On   XX/XX/XXXX   we were refunded directly to the account, {$150.00} ( six months back ) of the {  $330.00} we were charged. We were also told that this was all we would be refunded and we were " lucky to get that amount. '' We were also told that it was " your fault for not keeping up with the account ''. Truth is we were keeping up with the accounts, just not the ATM account since we only kept  a few hundred dollars  in it at any time.   Something else to note is that for the firs t two months that t he account was open, no fees were charged. The fees began to show in  XX/XX/XXXX .
Product: Checking or savings account

A fake company requested money from me. They are fraud and I want my money back from these scammers
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my Credit Report from XXXX on XX/XX/XXXX. I noticed the third party XXXX XXXX with XXXX XXXX. Most importantly the section XXXX XXXX and Residential Information. Was XXXX XXXX Recorders office : XXXX XXXX XXXX When I purchased this vehicle from Future XXXX XXXX XXXX, I was living in XXXX XXXX of XXXX. XXXX XXXX holder on XX/XX/XXXX was XXXX XXXX XXXX. Not sure when XXXX XXXX purchased the loan from XXXX because I was notified that there was an exchange of XXXX. XXXX never notified me nor did XXXX XXXX. My payments were XXXX starting XX/XX/XXXX. XXXX is not on my XXXX Credit report from XX/XX/XXXX. However there is a Inquiry from XXXX on that credit report dated is XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX. 

Car was repossessed XX/XX/XXXX. Filed police report with the city. However they never replied. contacted company each time they gave me a different pick up location. XXXX or XXXX. XXXX XXXX is not licensed in the state of California.
Product: Credit reporting or other personal consumer reports

I have a XXXX account that is through XXXXXXXX XXXX XXXX company. There was a balance on my account that I reported as fraud ( identity theft ) for a purchase that I did not make. I contacted the company ( XXXX ) and also XXXX. They said they would look into it for me. XXXX determined I did not make the purchase because I've always paid for whatever I ordered through them in a timely manner and my account balance is XXXX. XXXX shows on my Experian report as saying the charge was accurate ( which is not true ) and they have refused to delete the charge which is killing my credit score. I have uploaded my XXXX account to them but I do not trust them anymore. I have been a victim of identity theft in the past and it's not good and it's really hard to recover from that. I've been working so hard to get my credit back up and I try to make all my payments on time and pay things off as quickly as I can. I want my credit report score to be back over XXXX which it was prior to this fraudulent charge showing up on my name. XXXX is not doing a diligent job of accurately finding out what happened. I have not been given any proof that I made a purchase and have not seen a product for the price. I did not purchase any type of Internet service from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 15 U.S Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information that resulted. from an alleged identity theft, not later than 4 business days after the date of receipt. It has been more then 60 days and you are in VIOLATION of this law.
Product: Credit card

My car was broken into XX/XX/XXXX I never thought anything of it but went to get off of work to call and get a new card while I was at work I had a text message from Chase from a fraud alert stating was this me to authorize the transaction I personally know it wasnt me then a day later I see XXXX Was negative on my account so I had called Chase that Saturday and explain to them that my car was stolen so was a lot of my merchandise phone credit cards debit cards Social Security number ID was stolen out of my car I explain to Chase representative and they said that they was going to fix my account because it wasnt me in credit whatever that was on my account for the last week or XXXX I have been calling with the police report and they still have not created anything back on my account when I had talk to the lady from Chase she stated to me that I did authorize that and that I was lying about what happen to the car broken into, the lady at chase was very disrespectful and was talking over me while I was explaining to her what happened and she called me a liar and said that all XXXX people do is lie and hung up in my face when I had called back and talk to another representative she told me that they deny they just now they didnt do any investigation because the bank was closed on Sunday she told me my car will be fixed by that Wednesday before I got my paycheck it wasnt fixed and they keep telling me its going to take two days three days five days seven days theyre not giving me no explanation on my account or the police report. They have been garnishing my paychecks to the account they havent called or emailed me about my account they change the lady called me the N-word before she hung up the phone and said Im not getting nothing very disrespectful very unprofessional
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2019 XXXX and Equifax reported a XXXX , XXXX collection account against my file. After numerous failed attempts to discuss the matter with XXXX  I disputed the account with XXXX  by faxing a validation of debt notice pursuant to FDCRA as well as filing a complaint with CFPB. I also disputed the XXXX account with XXXX  and Equifax on XX/XX/2019 with several supporting document follow ups citing numerous statutory reporting errors ( XXXX.  File No. XXXX/Equifax # XXXX ). 

On XX/XX/2019 XXXX responded to my CFPB complaint stating that on XX/XX/2019 they directed XXXX  and Equifax to remove the account from my credit file and that they are no longer handling the account. A copy of XXXX 's CFPB response is attached. 

On XX/XX/2019 the XXXX  debt was still appearing on my credit file at which point I called spoke with a representative at XXXX explaining that XXXX directed the account be removed from my file as well as faxing to XXXX a copy of XXXX 's CFPB response. The XXXX representative who was clearly reading off of prepared text and did not have any type of grasp of the English language said that the account would stay on my file for seven years then hung up the phone. 

As XXXX has directed the credit reporting agencies to remove the XXXX account from credit file and the agencies refusing to comply, XXXX and Equifax are now knowingly reporting false information against my file to which fraudulent punitive damages can be awarded in litigation.
Product: Debt collection

I am filing a separate and distinct complaint against The Bureaus , Inc. for continued violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

This complaint is not a duplicate of my prior complaint. My original dispute was addressed through the XXXX XXXX XXXX XXXX XXXX XXXX  ; however, The Bureaus , Inc. did not provide legally sufficient validation of the alleged debt, nor did they correct the inaccurate reporting. The closure of a BBB complaint does not absolve The Bureaus , Inc. of their federal obligations under the FCRA and FDCPA.

Ongoing Violations : The Bureaus, Inc. continues to report this debt to credit bureaus despite failing to provide verification as required by FCRA 1681s-2.

They have not provided a full chain of assignment or proof of ownership, violating FDCPA 1692g.

The documentation they previously provided does not meet the legal standard for debt validation. Providing only credit card statements and a generic letter of sale does not satisfy their burden under the FDCPA.

They misrepresented my fraud claim to avoid proper regulatory scrutiny, violating FDCPA 1692e.

FCRA and FDCPA Noncompliance : The Bureaus , Inc. has a legal obligation to conduct a reasonable reinvestigation under FCRA 1681i. They have not done so.

Under FDCPA 1692g, they must provide complete and itemized proof of the alleged debt, including a full breakdown of the balance and ownership. They have not complied.

They continue to furnish this account to credit reporting agencies without verifying its accuracy, which constitutes willful and negligent noncompliance under FCRA 1681n and 1681o.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry appears on my credit reports - XXXX, Equifax, and XXXX, however this inquiry was unauthorized. I attempted to notify the company directly, however they have been unresponsive.
Product: Credit reporting or other personal consumer reports

XXXX  XX/XX/year> I am reporting a fraudulent inquiry found in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX, OR XXXX  is apparently reporting a fraud alert, security freeze or another form of " block '' on my credit file. This is causing me substantial problems in obtaining credit therefore please remove from my files.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's no real bullet item type description. I just want to know why in XXXX 's name the credit scoring agencies can lower your score, sometimes drastically, when a company decides to close an account in good standing without input from the consumer requesting it. For example, you don't use a credit card for years. The company closes it and your score drops. Or, what I've now experienced 2 times in a year, your Mortgage account is transferred to another company and your score drops, SIGNIFICANTLY. We're talking, you as a consumer are doing things right, paying stuff off or just not using a CC, they cancel it, and your score drops. 

Why isn't there more oversight of credit reporting?
Product: Debt collection

I being charged off from the big three bureaus for a debt that was never mine I never lived at the location of where they saying a utility bill is please make the three bureaus please remove these debts off my credit reports!
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database
Product: Student loan

Attempted to prequalify for student loan on Sallie Mae website ( " See your rate '' prompt ). Form was actually application for student loan ; once the questions started to ask for more information than seemed right for a prequalification ( and the website title showing the form as a loan application ), I exited the form. I still receive emails from Sallie Mae asking me to finish the application, and there is no unsubscribe button on the email.
Product: Mortgage

After we sent in the XXXX packet, instead of getting assistance with our mortgage payments, we were told our mortgage payments would increase due to escrow going up. I asked for information as to how that's possible when our payments should decrease due to being tax exempt. Planet Home Lending has done nothing to help us fix the issue that they created in the first place. We sent them everything they requested and instead of helping us, they denied our application. We did everything they asked of us and they increase our payment, charging us late fees, and have yet to tell us why. There are numerous complaints about this company on the XXXX  website and they continue to ignore the consumer, interrupt when the consumer is trying to give information, fails to communicate with other departments, do not return phone calls to consumers, and lie. We were told we would have only one point of contact but when requesting that person they aren't available and we are forced to speak with someone who has no clue about our account, refuses to read comments, and sends the call to a csr that tells me I need to talk to the department that transfered me. Please, someone please, take any accounts that are government backed mortgages away from this servicer. Please do not allow them to purchase any loans and please make them stop the way they do business. They need to be looked into for violations of the Fair Dept Collections Act.
Product: Credit reporting or other personal consumer reports

My accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND XXXX XXXX XXXX XXXX were never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND XXXXITED CONSUMER FINL S never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute information in my credit report that is inaccurate and has been reported in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ). I have discovered errors in my credit report that have negatively impacted my credit score, and I am requesting that these errors be corrected immediately. 

I have identified the following accounts that are reported inaccurately : XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX charge off account XXXX XXXX  XXXX XXXX charge off account XXXX XXXX charge off account XXXX XXXX collection account XXXX collection account XXXX XXXX collection account XXXX XXXX  XXXX charge off account XXXX XXXX charge off account XXXX XXXX XXXX  XXXX XXXX XXXX charge off account XXXX XXXX XXXX XXXX XXXX XXXX charge off account XXXX XXXX charge off account XXXX XXXX XXXX charge off account XXXX XXXX XXXX XXXX TX XXXX collection account XXXX XXXX  XXXX collection account XXXX XXXX XXXX XXXX XXXX XXXX collection account XXXX XXXX XXXX collection account XXXX XXXX XXXX XXXX XXXX collection account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection account XXXX XXXX XXXX XXXX collection account XXXX XXXX XXXX collection account XXXX XXXX  XXXX collection account XXXX XXXX charge off account XXXX XXXX XXXX Charged off account XXXX XXXX XXXX charge off account
Product: Credit reporting or other personal consumer reports

On my XXXX XXXX Credit Card I submitted the minimum payment every month for the last 12 months. It is reporting that I was late 30 and 60 days in XXXX and XXXX. I want these late payments removed immediately from my report because they are inaccurate.