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

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 states Consumer reporting agency can not furnish a account without written instructions 15 U.S.C 1692C 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 dept
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out. Per FCRA segment 605 CREDIT BUREAUS are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. The ITEMS are unknown to me. Also, the information provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some ITEMS are a mystery to me. Delete these items listed below : XXXX XXXX XXXX XXXX XXXX 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 card

USBANK charges me XXXX dollar " minimum Interest Charge Fee '' after I pay off entire balance 3 days late, the balance of XXXX includes a XXXX dollar late fee. After the payment posts and the balance is supposed to go to zero the credit card is charged a XXXX dollar minimum Interest Charge Fee. This is according to the bank pennies whos interest was magnified into hundreds. Higher than the credit card 's interest rate. This higher than normal rate must receive the payment first and left over balance must be left on the card to be paid back according to the law. Please help.
Product: Credit reporting or other personal consumer reports

In my FTC Identity Theft Report, I would like to address the hard inquiries on my credit report. These inquiries were not authorized by me and are negatively impacting my credit score. I am requesting that these inquiries be removed promptly to restore my credit to its accurate state. Thank you for your assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

I have no association with this company and have never heard of them. The company does not have my written consent to use any of my information or my signature in a commercial manner. Additionally, it is unlawful to report medical bills on a credit report. I have not shared my information with this company or given anyone else permission to share it and especially publicaly.
Product: Payday loan, title loan, or personal loan

Early XXXX I received solicitation from Upstart Network ( aka Upstart Holdings Inc. ) promoting personal loans with flexible payments, fair underwriting, and low interest rates. In the solicitations I was " pre-approved '' and equipped with an approval code. Within ( XXXX ) year of receiving the loan, I experienced financial hardship. Prior to, I made all payments as outlined in the loan agreement. I reached out to Upstart on multiple occasions seeking assistance, and a reasonable adjustment that would allow me to continue to me my debt obligation with Upstart. In oppose to offering income-based payments and/or a reasonable hardship repayment option- Upstart has resorted to predatory practices. These practices consist of promoting continued loan payment deferent with continual interest accrual, increased payment amounts, extended loan terms, etc. All the readily available options facilitate a cycle of debt, astronomical interest with fees, and payments are not applied to any principal amount. Upstart actions are aligning to that of predatory lenders who opt to force deferent/forbearance instead of reasonable repayment plan. Moreover, upon further research, Upstart underwriting practices violate The Equal Credit Opportunity Act ( ECOA ), by utilizing an applicant 's education level as an underwriting key factor. Unfortunately, these details were omitted from the several solicitations that were mailed to me and lured me in with the promise of a " pre-approved '' low interest rate.
Product: Credit reporting or other personal consumer reports

ACCT # : XXXX SSN : XXXX XXXX : XXXX/XXXX/2994 ID : XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX Dear XXXXXXXX XXXX : I recently received a debt collection notice from your office with an account number # XXXX. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

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

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX  and XXXX XXXX are not responding to any of my requests to investigate, verify and remove accounts from my credit report that don't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX XXXX  XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX  Balance : {$3600.00}
Product: Debt collection

portfolio recovery im not exactly sure the amount the took from my self and my wife and also the damage they did to both of our credit history for the last several years. They took action against us they were not the original creditor, we had settled/paid accounts with several different credit card companies, we received w9s we had also from the various companies and still portfolio months, years later would collect, destroyed our credit and granished bank accounts illegally. Some of the debt was even 14 yrs old. And they continue to do so as of today!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! i hope you doing well, I noticed unauthorized inquiries on my credit report that I like to be removed, and according to FCRA these unverified and unauthorized items must be removed, thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written several letters to Experian, XXXX and XXXX about multiple inquiries on my credit profile that were not authorized by me. The dates on which I submitted those letters are XXXX and XXXX/XXXX/XXXX. I have not received a response and the unauthorized inquiries are still appearing on my credit profile. I am looking into purchasing a home soon and the inquiries are affecting my credit score.
Product: Mortgage

My mortgage loan has an escrow account. Chase Bank charges 17 % cushion amount on the escrow account. My yearly overage on taxes and insurance run about 3 %. In effect I am loaning the bank approx 14 % free gratis.If all banks do this, it amounts to billions a year loaned to banks for free. Today loans require escrow accounts. 
I think a 5 % cushion should be plenty
Product: Debt or credit management

I did not authorize any of these companies to run my credit & would like them to be removed
Product: Debt collection

Specialized loan servicing committed identity theft and fraud when they stole my identity and reported to all credit reporting agencies that a payment was made by me on a fake mortgage debt on XX/XX/XXXX by me and then sold the fake debt and fraudulent account without any verification for their Prior errors and blatant fraud to further the racketeering scheme for XXXX XXXX and XXXX XXXX to cover up its phony records it creates for XXXX and XXXX XXXX XXXX aka XXXX XXXX after they cook the books for XXXX XXXX XXXX with crooked lawyers to illegally foreclose on my home and business with fraudulent accounting where Sls is fabricating false records on case XXXX ca XXXX in Florida to cover up the Fraud, XXXX XXXX has constructed for XXXX to steal my homes equity and extort me for money not owed because they create fake reporting and make fake payments and commit forgery, identity theft like on XXXX XXXX on my record to keep the fraud alive for XXXX, XXXX, XXXX and XXXX in XXXX so they can get money from the government share loss agreement and make false claims for damages and steal homes disguised as business as usual in violation of state XXXX and false claims act laws And state penile code laws. I request a written response
Product: Credit card or prepaid card

I sent a certified letter to Amex on XX/XX/XXXX tracking number XXXX XXXX XXXX XXXX XXXX.Requesting that they correct my credit report. 
Reference account number # XXXX .My credit report is reflecting a 30 day late payment for the month of XX/XX/XXXX. I have never made a late payment on this account. My account had a zero balance and no payment was due. During this timeframe, an unauthorized charge posted to my account without my knowledge. ( for a gym membership that had been closed ). I did not receive any alert or online statement informing me of this matter nor did AMEX take any action to contact me to inform me that a payment was due. I was notified AFTER the account was over 30 days late, I was not provided with any opportunity to ensure that my account was protected. I ended up paying the fee even though I did not owe it, which is unjust. Under the XXXX this fee should have been removed, which it was not. My account was marked 30 days late which I believe was an oversight on their part. I have always maintained an excellent payment history with AMEX and all my creditors for years. This unforeseeable incident has caused me to be unjustly denied a home loan. I am respectfully requesting that AMEX correct my credit report to remove this late payment so that I do not continue to incur any further adverse action. AMEX has not responded to my letter thus I am requesting your assistance to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am dismayed by the capability of the Credit Reporting Agencies to retain disregard a consumer 's appeal for the alteration of the disputed account on my Credit Report. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please fix the account : XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I had bought a used vehicle in/or about XX/XX/XXXX, I come to find out the vehicle had been a rental vehicle by XXXX and Had been seriously wrecked on left rear and repaired by XXXX but of course the XXXX reported no accidents which I have come to find out this is common of rental companies not to disclose their vehicles have had accidents etc nevertheless, I fell behind on payments and this company ( Skopos Financial ) In Texas, Repo the vehicle in XX/XX/XXXX and as of this writing on my credit reports this company shows this is still an open loan as if I stll have the vehicle, and the automated voice account services I checked XX/XX/XXXX shows the same balance as is listed on my 3 different credit reports, and this is all in correct, They sold that vehicle in XX/XX/XXXX, So it should NOT be listed as an open loan, and the amount of balance should be reported as well being the vehicle was sold and I was never told what the bal was. I have contacted the credit places to try and correct this and nothing has been done, seems like this company has not made any reports to the credit reporting places since XX/XX/XXXX when they took the car. Skopos I feel is intentionally leaveing misleading, wrong information on my credit reports.
Product: Credit reporting or other personal consumer reports

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companies that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately! 

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of identity theft, leading to the inclusion of multiple fraudulent entries on my credit report without my knowledge or consent. XXXX Unauthorized accounts and XXXX inquiries have appeared on my report, none of which I approved. 

- Accounts : - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - Inquiries : - XXXX XXXX XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX I have already submitted a report to the Federal Trade Commission ( FTC ) regarding this identity theft and now request the immediate removal of these fraudulent items to ensure the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to urgently seek the Consumer Financial Protection Bureau 's intervention concerning severe discrepancies in my credit report, which have gravely impacted my financial well-being and threaten the stability of my family. 

Background : I have identified inaccurate and potentially fraudulent reporting by certain creditors in collaboration with credit bureaus Experian and XXXX. Despite presenting substantial evidence of these discrepancies, the negative accounts persist on my credit report, obstructing my ability to secure a home loan at a pivotal rate. 

Please see the attached supporting documents for all details relating to matter.
Product: Credit card or prepaid card

On XX/XX/XXXX I opened a credit card in the store XXXX and made a purchase of {$150.00}. 
I received the bill for this in the mail on or around XX/XX/XXXX and it was due XX/XX/XXXX. 
I immediately set them up in my billpay account and entered payment to be sent. 
This was processed in XXXX XXXX on XX/XX/XXXX to be delivered XX/XX/XXXX. 
Tracking on the payment shows the check was in XXXX on XX/XX/XXXX and XXXX, TX where was it's destination on XX/XX/XXXX. The due date was XXXX which was a Saturday. From the bank notes and tracking it appears the check was at the company by XX/XX/XXXX as the bank notes. XXXX processed the payment on Monday XXXX and sent me a late fee for {$30.00}. 
I tried to reach out by phone and email multiple times and explain this is not appropriate as even though they did not get me a bill out with lots of time I still paid immediately in full and on time and they for some reason did not process my payment prior to the due date. 
I got a scripted answer that said I am not eligible for a late fee wavier. I asked for a manager to call me but have not had that happen. 
I late got a call from a collector wanting {$37.00}. I explained again they seemingly held processing my payment or did it on the next business day and the fee was not fair and I wrote in for a manager to call. She had her supervisor get on the phone and tell me he would waive the {$7.00} and I could pay {$30.00}. I did not even know where the {$7.00} was coming from and had already stated I am disputing the {$30.00} late fee as I was not late. They now are sending me a statement for {$61.00}. 
I made a purchase of {$150.00}. I paid that in full and on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported to my XXXX and XXXX credit reports a collection account for XXXX on XX/XX/XXXX andXX/XX/XXXXof 2017. I was never notified of this account and XXXX XXXX has not provided any evidence that I owe this bill or that they have a legal right to collect it or report it. They are in violation of Federal law. My current and correct address has been the same for many years.
Product: Credit reporting or other personal consumer reports

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 consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. My information is being furnished to third parties who are non affiliates of XXXX XXXX XXXX XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.I am now aware that XXXX XXXX XXXX XXXX XXXX  are furnishing my information to credit agencies. XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), 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. I did not consent, agree, or give instructions to XXXX XXXXXXXX XXXX to give my information to credit agencies the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information nor my written consent. Any and all authorization to XXXX and Experian, XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
XXXX XXXX XXXX XXXX XXXX, never informed me of my right to exercise my nondisclosure option. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of XXXX XXXX XXXX XXXX XXXX XXXX reporting services.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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