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

This creditor has violated my rights under XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Notice of Rights Violation Dear CFPB, I am writing to formally address a matter regarding my account with 604A XXXX XXXX XXXX ( Account Number : XXXX. I believe my rights have been violated in relation to is action is a breach of my rights under the Privacy Act, as it has caused me, I have made multiple payments to this company and they continue to violate me in every way. 
In accordance with the Privacy Act, I request that you take immediate action to I have made several payments to this company, and they report late payments every month, which is not right and not accurate. 
Should this issue remain unresolved, I may have no choice but to escalate my complaint to the appropriate regulatory authorities. I have attached all the documents concerning this issue with this company. They are the worst, and they have really been very unfair to me.

I expect a prompt resolution to this matter and a response within. Should this issue not be resolved satisfactorily, I may have no choice but to seek further action, including reporting this matter to the appropriate regulatory authorities. 
Thank you for your attention to this important issue. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the charge off account listed on my credit report. According to the Fair Credit Reporting Act ( 15 USC 611 ), I have the right to request that inaccurate or outdated information be removed from my credit report. 
Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/2022 Amount : {$1000.00} I believe that this charge off account is inaccurate because settled and does not match XXXX or XXXX XXXX am requesting that this charge off account be investigated and removed from my credit report in accordance with the Fair Credit Reporting Act. Please provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccurate information.
Product: Mortgage

Dear ShellPoint I spoke with you today again at approximately XXXX XXXX  With in two hours I received a forwarded email regarding questions about forbearance extension. 

Who is your legal team - is it the person that sent email today? 

Why is another person address on this letter? 

Does XXXX represent ShellPoint or XXXX XXXX XXXX  - as XXXX just sent email with ShellPoint letterhead dated XX/XX/2021 today. I am not in litigation against either ShellPoint or XXXX XXXX XXXX. 

I am ShellPoint customer and if XXXX XXXX XXXX is master service their customer as well. My question are regarding my loan. I am in proper for the record - I did not authorize any mortgage documents to go to any other party. 

Even when I was just in bankruptcy case ShellPoint never sent my mortgage statements etc to bankruptcy attorney unless she asked for specific information. 

I am asking questions on my behalf not for any other person.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX XXXX, AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. 

CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3. 

EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS.

AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B
Product: Bank account or service

I am the beneficiary on my deceased brother 's IRA through CITIBANK Retirement Plan Services. I was advised by CITIBANK that I can not take a direct distribution, but would have to open an IRA account where my deceased brother 's funds would be transferred and then disbursed. 
I reluctantly completed the IRA application, even though the application contained personal information which was none of CITIBANK 's business. 
Additionally, I have been told by CITIBANK that I AM REQUIRED to visit a CITIBANK branch to have XXXX page of the application completed. The required page is basically asking for verification of my identity. This information has been previously submitted and approved by CITIBANK. 
The nearest CITIBANK branch to my location is approx. XXXX miles round trip. 
Any help that you can provide would be greatly appreciated. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been challenging this negative account for a year. On XX/XX/XXXX I sent in a dispute asking for an investigation in reference to the account after 45 days. I received a copy of the credit report that the account was verified as accurate. After reading the laws there was no way they did an investigation and the account was reporting accurate. So, I sent in another letter in XX/XX/XXXX disputing the Date Last Activity which is reporting inaccurate and erroneous information XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, Date Last Activity came back verified. I disputed the High Balance XXXX  {$4700.00}, XXXX  {$0.00}, XXXX  {$4700.00}. this came back verified. I disputed the last payment XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX. this came back verified. the Credit limit was disputed XXXX  {$4000.00}. XXXX  {$4000.00} and XXXX  -. The Account close date XX/XX/XXXX per XXXX  and XXXX  and XXXX  not reporting a close date but still reporting CO in the 2year payment history.
Product: Credit reporting

I have an account with Credit Check total. I logged in a few days back and discovered within XXXX weeks a number of unauthorized inquiries processed with about XXXX weeks spend of each other. I am not activity seeking credit a this time SO I require a removal of all unauthorized inquires as this is not right! 

I have now enclosed two items with My address which I judge to fulfill your requirement for a complete investigation : 1 ) My State Drivers License 2 ) My full credit report from Experian Credit report showing my address
Product: Student loan

I have been trying for a month to get my PSLF status recertified and have my payments recalculated. First they kept prompting me to use the digital signature option, but their system wasn't sending the email to my HR. Every time I updated the website, it would update the next day showing their email was updated to " " ( blank ). Reached out to customer service and they sent me a template email back referring me to their website and referencing common things people are emailing about ( did not address my question at all ). I tried to submit another ticket, and got the same useless response. Tried calling and was stuck in the phone tree for 40 minutes before I gave up. Eventually cancelled the submission altogether and resubmitted using the old method where you upload a PDF. Did that, and 2 weeks later, got an email that my application was closed due to missing information. The letter stated that my employers signature was missing, and I would have to start over and provide the completed application. I downloaded the form from the student aid portal, and it is filled out completely, including the employer signature. I'm so tired of this. Every year I have to submit this paperwork just to know how many payments I owe them, since they apparently can't keep track of it, or are not expected to manage it themselves. I'm tired of getting the runaround. If I owe them money, they should be responsible for keeping an accurate track of what is owed without me having to beg for it.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00}
Product: Credit reporting or other personal consumer reports

I have requested for the creditor to remove the information as it is fraudlent this was back in the beginig of XXXX  they still reported it with out sending me any notification they are putting this account on me with out any investigation nothing and they are sending notification to the credit agency this is accurate when I called the creditor never goes to a live agent asked for a call back nothing ecough is enough please help me!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Viol

ations 15 USC1692 Sharing of Personal Information ( 10 ) 15 USC 1666b ( a ) Timing of Late Payments ( 15 ) 15 USC 1681b2 Right To Privacy ( 12 ) My Consumer Credit report is not fair and equitable, I cited the inaccuracies 15 USC 1681 ( a ) and explained how my report is full of errors and they did not exercise their grave responsibility with fairness. 15 USC 1681b ( 2 ) My right to privacy is constantly being violated by Transunion by reporting inaccurate information, not properly investiga
tion and not responding to correspondence that were sent concerning this matter at hand.
Product: Credit reporting or other personal consumer reports

Ive been disputing inaccurate information on XXXX for a while and they keep updating information every time I provide information. Which is total opposite of my providing information. Im providing it telling them their information is incorrect to get the account deleted not for them to keep trying to use my information to verify. I also did not give the company consent to share my personal information with any third parties. I couldnt have because the account isnt mine. My information was on the dark web back in XXXX. This company is not following consumer laws. They did not and still does not have my correct information. Ive told them to show me verifiable information. I was sent a discloser and it has an address that Ive never lived and a number that Ive never had. This has been going on for a long time and I demand that they delete/ permanently remove the account off my consumer report for having inaccurate and unverifiable information. And I also emailed XXXX and never got a response. 

Under the FCRA, you are required to ensure the accuracy and completeness of the information in my credit report. The continued presence of incorrect or unverifiable information, as well as the inadequate resolution of my disputes, constitutes a violation of these requirements. 

This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ invalidated credit information. Please remove immediately. 

**Lack of Consent** : According to consumer protection laws, no information should be reported on my credit report or shared with third parties without my consent. The presence of such information on my credit report, especially if it was included without my approval, is contrary to these legal requirements. 

**Unauthorized Disclosure** : There is evidence suggesting that my personal information has been shared with or sold to lenders or other entities without my permission. This is a violation of my privacy rights under the FCRA, which requires that my information be handled with my explicit consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report that are unauthorized and I have sent in documents to give evidence of inaccurate information. 

Inquiries are listed below : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know what is wrong with Macy 's credit card company. Are you deliberately not reading what I wrote? I just said in my last complaint that I tried to pay on time but you phone agents hung up on me after waiting on hold for an hour. I tried to pay at the store and I thought that I had paid but you NEVER sent me any notifications that I was late on payments. I didn't find out that I was late on payments until I started getting credit report alerts about these 90 day delinquent charges. Had you stupid agent not been lazy and did her job instead of hanging up on me I would have paid it right then and there. It was YOUR fault that I did not pay on time not mine. I have MANY other credit lines and NOT one has had a delinquent charge in more than a decade. Look I have a Macy 's executive 's email address and phone extension. I am not the only one tired of Macy 's XXXX. You seem to be screwing over other people as well. If you do not fix my credit report I will be posting a review with all her contact information so other upset Macy 's credit card holders can have a chat with her. FIX MY CREDIT NOW!
Product: Debt collection

ONLINE INFORMATION SERVICES DEBT COLLECTOR, continues to send debt invoices for accounts that I do not own. I am a victim of fraud
Product: Debt collection

I was contacted by Midland credit and allowed my Financial advisor to take power of attorney to speak with midland credit mgmt. My advisor told me to pay them and I did. During this time I paid the debt in full as it was a debt they bought from XXXX XXXX. I was then told by my financial advisor the debt has been paid and it was not on my credit report. So I caught it in time. Then two weeks after paying the debt the collections from the collection agency has shown up and reduced my score and showed a balance. This was not there prior and I have proof of this. We asked during the payoff and info on how to pay if they will delete this collection if it has hit my credit report and my financial adviser told me he spoke with a nice lady that said she would accommodate that. Later we called and asked for the deletion letter and was told after waiting on hold and with someone in customer service that they would do it in 2 years. This was not something I would agree to. And the collection was bought back in XX/XX/2021 for a debt that was only six months old. I paid it promptly and I paid all the collection fees as well and interest in full. I feel like I have not only been denied credit trying to refinance my house and buying more property but it also hurt my credit beyond repair. My credit prior to this was over XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX : {$2000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX  XXXX Balance : {$6800.00} XXXXXXXX XXXX Balance : {$0.00} XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

" Transunion '' , ( along with  XXXX  &amp;   XXXX   ) has b een reporting completely FALSE information about me for months now. I have tirelessly paid off my credit card bills by at least 85 %, and they still have me at an ENORMOUSLY HIGH level of credit card use. This is SEVERELY HURTING me, as I have been trying to trade in my car, and should be AT LEAST  XXXX  pints higher on my Transunion  Credit Rating.   They have a plethora of misinformation from my company being called  XXXX   XXXX   (  which Ive never even heard of ) to OLD ACCOUNTS that were  discharged  in bankruptcy YEARS ago and are suddenly popping up NOW. I have spoken to their RIDICULOUS and RUDE OUTSOURCED operators. I have sent them letters. And NOW I have spoken to the most powerful CLASS ACTION attorney in the country who agrees with me 1000 % on Transunion 's UNFAIR and ILLEGAL business practices, as they are doing the SAME THING to   XXXX   XXXX   of THOUSANDS of people. They transgress FAIR CREDIT REPORTING LAWS, AUDACITY LAWS, and a plethora of other LAWS ... THEY NEED TO BE PUBLICALLY called out on their unfair consumer practices and I believe they should be SHUT DOWN in entirety.     I sent the " Above '' complaint to the BBB ....   After ALL of that, Transunion NOW has created a NEW ALERT that I have NEW EMPLOYMENT with  XXXX   XXXX !!!! Was it NOT CLEAR that I have NEVER HEARD OF  XXXX   XXXX ?????   They are SO OFF and SO DAMAGING ...   I can not believe that they are allowed to RUIN my life in this way ... ..   EVERY CREDIT CARD is paid off.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate personal information listed on my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 607 ( b ) ( 15 U.S.C. 1681e ( b ) ). This incorrect information includes wrong addresse that I have never been associated with. Below are the specific details of the inaccuracies that need to be corrected. Inaccurate Information : 1. Wrong Addresses : - Incorrect Address # XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX fl XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I ordered XXXX XXXX XXXX XXXX XXXX  From XXXX, Which in fact is XXXX. XXXX sent me XXXX XXXX  to check XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX was paid for through Pay Pal {$57.00} After I received the wrong items I requested a refund and a prepaid return label, the Company refused to refund or send me a prepaid return label, I contacted Pay Pal about a refund under their contract, Pay Pal refused to refund.I ordered and paid in good faith, now the companies refuse to honor their money back guarantee, I feel like I was a victim of a bait and switch deal the XXXX  are cheap. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Ar XXXX
Product: Credit card

I initially applied for the Sephora Credit card on XX/XX/year> in store. After more than a month, I had still not recieved my credit card On XX/XX/XXXX, I received an email that I have a new payment on the card. However, I could not open and view this payment as I could not setup my account without the card After multiple attempts of calling and requesting for a new card, I never received a replacement card and therefore could not access my account. 

Sephora started recording late payment on my card and I had no way of paying them off. After repeated attempts to fix the issue, they removed the charges from my card and cancelled the card as I was not able to receive it. 

During this time, they put late payments on my credit file that still show today. Sephora says they can not make the update since they have closed my account. This has taken a very big hit on my credit score Looking online, I saw many other users reporting the same issue that they faced with Sephora as well
Product: Credit reporting or other personal consumer reports

I wanted to inform all parties that in the last thirty ( 30 ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financial liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AFFIDAVITS OF LAW 1. Are you the original creditor?

2. Have you given the debtor the opportunity to review the original contract?

3. Have you validated the home address for the debtor?

4. Have you complied with all FRCA and FDCP and FDCPA laws?

5. Have you reported to the consumer who all has reviewed the original contract information with his/her original signature? 
6. Have you provided the names of all creditors that have provided names and addresses of the individual person who has reviewed consumer relations?
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX and list of Inquiries. 


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: Debt collection

This account with XXXX is not mine. I was trying to apply for a home loan and it came up on my credit report. I've tried to explain this to them and they said they'd do an investigation and it is still reporting. I have had my phone service with XXXX the past 15 years!!! and i've had the same phone number the past 10 years. On the credit report it shows that the account with XXXX was opened in 2018. I know my name is very common and this is a huge mistake. I need this removed. I will be filing a police report once the police station allows me to go in.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act convergent inquiry XXXX XXXX XX/XX/2025 has violated my rights.5 U. S. C 1681 section 602 A. States I have the rights 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

On XX/XX/2019 several applications were run on my credit without my consent