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

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy. 15 U.S.C 1681 section 602 A. States, I have the right to privacy. 15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. Accounts XXXX XXXX XXXX  Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for a forbearance due to XXXX in XX/XX/2020 they approved it and documentation was provided. Then in XX/XX/XXXX my credit took a 65 point hit because they logged it as delinquent so i called and got a second hardship forbearance approved not in XX/XX/2020 my credit just took anoughter 70 point hit because they reported it delinquent. As well as it was reported delinquent after the coronavirus bill ordered them to place all student loans in deferment. Now i have taken a insanely hard hit to my credit from this company and they can not replace my score that has now dropped 135 points in 3 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the XXXX credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Please remove these files. XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXXBalance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXX XXXXBalance : {$5000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX with the Fair Credit Reporting Act. The list of accounts below have violated my federally protect consumer right to privacy and confidentiality under U.S.C 1681. 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 report agency can not furnish an account without my written instructions. 15 U.S.C 1687c. ( a ) ( 5 ) Section States : No Consumer report agency may make any consumer report of the following items of information. Any other report 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 reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have disputed several inaccuracies with midland credit, XXXX XXXX, XXXX XXXX. I request bank transactions and proof that I was late with this creditor. The creditor never sent proof that I was late. The creditor has took over 30 days to update my account and Perfom an investigation. The creditor is illegally reaged my date active from XXXX XXXX is missing date last active and your company has failed to do the proper investigation because if so you wouldnt allowed all those late charge offs from the creditor and i would not have XXXX different dates of last active these are FCRA violations . To whom it may concern i am writing to dispute the following information on my credit report : These items are currently showing inaccurately on my credit report filed with the credit bureaus. Pursuant to 5 U.S.C ss 552a ( i ) ( 3 ) Im requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timeliness, and completeness as is necessary to guarantee fairness in the determination shall not use such record. Please contact me at the email address below to let me know that you have corrected my credit report by removing the disputed items within. The next 30 days as stipulated by the FCRA. Thank you for your assistance with correcting this erroneous information on my credit report
Product: Checking or savings account

Have been calling since yesterday to find out when I am getting my direct deposit ( XX/XX/year> ) 4 separate times. The finally sent an email like XXXX but apparently they have been having problems the a third party vendor. There is no update they said by XXXX XXXX  XXXX standard time that it would be resolved. I need to pay bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX and TransUnion credit bureaus XXXX XXXX, XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$21000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$150.00}, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$110.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2200.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX  XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3800.00}, and XXXX  XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$160.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX is falsely reporting our previous mortgage with them as having been " discharged in a chapter XXXX bankruptcy ''. Our mortgage was not discharged. In fact, we modified our mortgage through XXXX XXXX XXXX ( which we lodged a previous complaint XXXX ) wherein XXXX  XXXX XXXX constantly played games of sending out paperwork late and stated it did not receive them. 

In any event, our mortgage with XXXX  XXXX XXXX was NEVER discharged in a bankruptcy. It was modified and paid on time. Thereafter, it was sold by XXXX  XXXX XXXX to XXXX XXXX now known as XXXX XXXX. 

I have called XXXX XXXX XXXX customer service department and loss mitigation department regarding the reporting and yet it still is being inaccurately being reported as being discharged. 

I have attached proof of the transfer of the account from XXXX  XXXX XXXX to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Recently, I contacted your firm with a formal consumer complaint challenging reported claim ( s ) under the FCRA 611 ( a ) ( 7 ). Included as well in addition of that check for compliant reporting, I sent a formal written validation demand to the Creditor for the Inquiry that you are reporting. I received back a denial of process and an assertion that the records of the inquiry ( ies ) reported were in fact UNAVAILABLE, or so they claimed! No matter if you or a third party has collected this information, you must have an adequate record to legally substantiate the claim ( s ), if not it ( they ) is/are UNVERIFIEABLE, invalid, or not factually certified compliantly reported ( even to the mandatory XXXX XXXX  format standards ) or ANY OTHER DEFICIENCY OF FACTUAL REPORTING and or process of reporting then said allegations are unfit and therefore CAN NOT be LEGALLY reported. Tort law is quite clear in this matter! You have NO MORE THAN 5 days to DELETE the ITEM and provide me with written verification of that DELETION for my records. Account : LVNV Funding LLC
Product: Credit reporting or other personal consumer reports

I currently have inquiries of products or items service or loans that I do not currently have or own, that are appearing on my credit profile as hard injuries. Some of theses injuries are out dated as well, This is currently affecting my score and ability to make future purchases such as housing and transportation.I would like to have these inquiries removed form my credit reports. These inquiries are reporting on XXXX XXXX XXXX XXXX as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - XXXX # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

2. XXXX - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

3. XXXX XXXX XXXX - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXXXX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this my third request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any items not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous complaints & I am including it again. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Under the FCRA section 605b I need the following items deleted from my Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This complaint is to notify the Credit Bureaus if they do not REMOVE the listed accounts and information on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Credit Bureaus accountable for their willful noncompliance.
Product: Credit card or prepaid card

Greetings, I am in receipt of a letter from Chase Bank informing me that should I not decline in writing before a pretty short deadline that I forever lose the ability to sue and also to join class-action suits against them. 

I believe a change like this, which happens automatically unless the consumer reads and responds to the letter as predatory in nature. I believe the CFPB is the right governmental agency to ask for assistance on behalf of all Chase customers. 

Taking away consumer rights has to stop! This is akin to a smash-and-grab robbery from the corporate level.
Product: Credit reporting or other personal consumer reports

My personal information was shared with multiple companies by Experian credit monitoring agencies. I have been experiencing federal and state tax returns being filed in my name. It will cost me time and money to correct with the IRS. I am very upset.
Product: Credit reporting

The inquires on my credit report are not mine. Last month, I asked if the inquires could be removed, because they were made by someone other than me. My name is ... XXXX XXXX. I live XXXX XXXX ... XXXX, il.XXXX
Product: Debt collection

An account shows up on my credit report for " CREDIT COLLECTION SERVICES '' with the original debt listed as coming from XXXX XXXX. The first reported date is listed as XX/XX/2018. 

I have contacted Credit Collection Services to ask for details or policy number for the amount owed. Twice I have been hung up on as soon as I ask for this information. I tried calling again today and was placed on hold while the representative " looked for the policy number '', after a brief hold the call was disconnected. 

I have spoken to 3 different customer service reps from XXXX XXXX ( My current auto insurance company ) and they show no amount owed for any current or previously held policies. XXXX asked me to ask the collections company for the policy number before making any payment to them. 

I am attaching a log of my most recent conversation with XXXX regarding this matter.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments : Affirm XXXX : XXXX days late XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX days late is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verity these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late. Please update my payment history to XXXX  status ( XXXX XXXX XXXX XXXX XXXX according to consumer protection laws.
Product: Credit reporting or other personal consumer reports

PLEASE CONSIDER THIS LETTER AS AN INITIAL COMMUNICATION DEMANDING ANY EVIDENCE OF MY OBLIGATION TO THE ABOVEMENTIONED ACCOUNTS. AS A REMINDER, ANY ACCOUNT THAT YOU CONTINUE TO REPORT WITHOUT BEING ABLE TO VALIDATE IS A DIRECT VIOLATION OF MY RIGHTS LISTED THROUGH THE FDCPA AND FCRA BOTH TOGETHER AND SEPARATE. 

THIS IS NOT A DISPUTE OF OWNERSHIP BUT AS A CONSUMER AWARE OF MY FEDERALLY PROTECTED RIGHTS, IF YOU CAN NOT PROVIDE THE REQUESTED DOCUMENTATION MY DEMAND IS THAT THE ACCOUNTS BE REMOVED IMMEDIATELY UPON RECEIPT. 


SEE ATTACHED XXXX
Product: Checking or savings account

Awhile back my XXXX holder for my vehicle began adding amounts to my auto debited monthly car payments, claiming it was for car insurance, because they claim I didn't have any. My car insurance coverage is debited from my account automatically so I didn't understand what my car company meant. Because they included it with a regular monthly car payment, I had to request them pay me back which the 'manager " XXXX and XXXX XXXX XXXX. I even deposited it into my bank again to cover the excess they took out which would have effected other bills I had to meet. 
Needless to say they did it again this time separate from the car payment, but none the same using my method of auto pay. I asked my bank to stop payment as it was pending 2 days before due according to my car loan agreement. Yes I also asked for the funds to be restored as usable to my account to meet my monthly needs as I can handle my own affairs that XXXX not involve a bank debit, etc. I XXXX need the cash. Simple. 
It is mine per deposited earnings, right???? Maybe I'm confused? I doubt it. 

I was told to submit a claim online through the online access set up. I did. The funds became available. This wasn't the first time so My car loan was taken off auto pay and I pay them cash -- if there. My bank has reversed their decision. 
They claim they believe the car ( XXXX XXXX ) dealer, XXXX XXXX, as to the outrageous claim of no insurance though my account reflects a monthly auto debit ( {$120.00}, paid to XXXX XXXX XXXX ) to cover the premium. Shouldn't my bank look there? Something's amiss. 
Yes I declared they were being XXXX as to taking sides when the evidence is within my account. Totally 'sic ' My words to XXXX XXXX Chase Bank XXXX a XXXX she claimed. Same as the call from XXXX -- branch escalation group -- XXXX, XXXX. People working from home or not... they way business is being treated seems off especially when I can alidated my time and use of my account and all other transactions not ones I'm authorizing yet this XXXX XXXX don't deserve the consideration to change the results and activity yet alone I don't have the right to challenge what's going on with my money. 
About XX/XX/2021, XXXX allowed a debit from XXXX 's XXXX XXXX, of XXXX, TX, claiming I charged {$100.00}. worth of services. XXXX is like XXXX miles from my residence. I wouldn't know where to service my car and never would in XXXX. XXXX I don't live nor frequent the area. Someone want 's to tie up my activities in XXXX loyalties... I am not playing that sickness with my money nor career.
Product: Debt collection

I did not consent to, benefit from nor authorize any of the following Accounts : Harvest Associates - {$1400.00}
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third party companies without proper consent. According to FCRA section 605b it is illegal to report information on my credit report without my permission. I am not liable for the debts with XXXX XXXX. I do not have contracts with XXXX Funding and they did not provide me with the original contracts as I requested with my wet signature and ID verification. AGAIN, PLEASE PROVIDE ME WITH THE ORIGNAL CONTRACT ( S ) WITH MY WET SIGNATURE AND ID VERIFICATION BETWEEN MYSELF AND XXXX FUNDING. IF YOU CAN NOT PROVIDE THESE CRITICAL PIECES OF INFORMATION, THEN PLEASE DELETE FROM MY CREDIT REPORT. I have proof attached where these XXXX accounts are deleted from my XXXX credit report. Please do the same for my TransUnion report and delete them from there.