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

Per the FCRA, I XXXX XXXX XXXX, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal, and non-verbal per 15 USC 6802 to report my information to a third-party agency effective immediately and indefinitely. Per 12 CFR 1016.7, I exercise the right to opt out at any time.

The Privacy Act of 1974 protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their record by Federal Agencies.

Please update my account by REMOVING. The account has been charged off and that is now considered a certificate of indebtedness and can not be reported to my credit report.

I am requesting compensation of {$1000.00} per violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602a states permissible purposes of consumer reports, you can not report transaction history. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Experian, XXXX, and XXXX are consumer reporting agencies, and I am the XXXX. I have the right to make sure my private information is not shared per 15 USC 6801.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { {$1000.00} }, whichever is greater. 313.1 Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 
I am requesting immediate removal from all XXXX of my credit reports. 
Please respond within 30 days or I will be filing a complaint with the Consumer Financial Protection Bureau. 
Best regards, XXXX XXXX
Product: Debt collection

I do not know what this debt is for. I have never heard of this company  XXXX   XXXX , nor have I ever received anything from this company regarding any kind of debt. It shows this debt was opened with this collection company on  XXXX   XXXX ,  2015. I do n 't have a clue who this original creditor, nor have I ever received any documentation from this debt collector.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is using an illegal method to report these amounts on my credit/consumer report. 15 USC Chapter 41, subsection 1681 c states, " Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless- ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance.

( 7 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a veteran 's medical debt if the date on which the hospital care, medical services, or extended care services was rendered relating to the debt antedates the report by less than 1 year if the consumer reporting agency has actual knowledge that the information is related to a veteran 's medical debt and the consumer reporting ... '' XXXX XXXX keeps updating my payment date to keep this on my credit report. I have never made a payment on this account and it is over XXXX XXXX XXXX. They also can't furnish proof of a recent payment. This is illegal and I want every single payment that is more than XXXX XXXX XXXX removed.
Product: Credit reporting or other personal consumer reports

I did sent a letter to XXXX XXXX XXXXXXXX last XX/XX/year> because XXXX, XXXX and EQUIFAX is reporting 100 % incorrect XXXX XXXX XXXX Reference # : XXXX. I received a response from XXXXXXXX XXXX  XXXX stating that the XXXX XXXX XXXXXXXX does not report any information to the credit reporting bureaus. It stated in the letter as well that credit reporting agencies may not report a XXXX  case.
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 U.S.C. 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

I told XXXX, Equifax, and XXXX to reinvestigate these accounts listed above. However they stated everything was complete, and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. According to 15 U.S.C 1681i ( 5 ), they are supposed to modify accounts that aren't reported correctly.

15U.S.C 1681s-2 ( A ) ( I ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows it has reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cried on bank account was open with XXXX XXXX XXXX and its still on my file
Product: Debt collection

This person has called me, my wife, and my mother trying to collect a debt. They have not sent me any documentation on the debt and I have refused to give my personal information due to the fact that I do not know if this company is a scam. I looked this number up online and many sites list it as a scammer number. Also, I have no outstanding debts and thus I would have nothing in collection to be called about. So, I know it's bogus.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX ; XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXXXXXX Balance : {$5400.00} ; XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$3000.00} ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XXXX Balance : {$2400.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} ; XXXX XXXX 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: Debt collection

I received a certified letter from XXXX, XXXX XXXX XXXX, XXXX who are representing Americredit. They sent me a Notice of Application for Wage Execution. I called them and explained that my wages were already being garnished from my employer regarding the same car but from a different company that was acquired by XXXX. 
According to my credit report, the XXXX XXXX account was closed and balance updated on XX/XX/XXXX. Americredit is part of XXXX XXXX, and XXXX  was formerly XXXX both are for the same vehicle that I had and was repossessed. 

I have a Release of Debt letter stating that my Americredit account was resolved on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) BLOCK 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

the information was not requested to be blocked in error or a block was requested by the consumer in error ; also this the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; and before receiving any good and services My information is a result of identity theft before I the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 


PLEASE SEE ATTACHMENTS
Product: Credit reporting or other personal consumer reports

The Credit Reporting Agencies Transunion, XXXX and XXXX are showing charge-offs on my account. The debt has been charged off by the original creditors which means that the debt has been paid and is considered income. I called numerous times and asked for my account to be updated because according to the IRS ( Internal Revenue Service ) Article, a charge-off is considered a certificate of indebtedness which means it is treated as income and income can't be reported on a consumer report and has to be removed off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

First Name : XXXX Middle Name : XXXX Last Name : XXXX DOB : XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX City : XXXX State : TX Zip : XXXX Additional exposed information was found Offense Description : XXXX XXXX >= {$500.00} < {$1500.00}
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian and XXXX. 

Please delete the following accounts : XXXX XXXX XXXX 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

This is my SECOND request to dispute particular data in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm disputing have nothing to do with any transactions I've conducted or authorized in order to obtain goods, services, or money. Please remove the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

Someone is using my name in Florida to work as well as open an account that he also sent sent to collection for check system
Product: Credit reporting, credit repair services, or other personal consumer reports

This literally my 4th attempt to have them fix this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 


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: Mortgage

This is a follow-up to my most recent complaint as the bank doesn't seem to be able to answer my fairly simple question regarding PMI removal based on current value ( getting a new appraisal ). 

The question is regarding removing PMI based on current value, aka getting a new appraisal. They seem to not be able to understand this part. I am aware that due to their Escrow department misapplying my payment, they previously reported my loan XXXX  days late to the credit agency. I've tried to get this corrected with them but they denied the request. The current question is : 1. I understand that I can't apply for PMI removal if there was a payment that was XXXX days late in the last XXXX months. WHEN WILL MY ACCOUNT BE ELIGIBLE FOR PMI REMOVAL BASED ON CURRENT VALUE ( APPRAISAL ). Provide a specific date when my account will be " eligible '' for PMI removal based on current value ( appraisal ). For example, I would get an appraisal and if my appraisal comes in higher than the original and I am now at XXXX XXXX XXXXXXXX, PMI would be cancelled. 

2. Once I am eligible for PMI removal based on current value ( XXXX Bank to confirm this as per # XXXX ), what is the XXXX that is needed based on the age of my loan. Is it XXXX XXXX or XXXX XXXX XXXXXXXX since the loan is under XXXX XXXX XXXX. 

The below what was in the original complaint : 1. Provide all their requirements for removing PMI based on " current value '' of the home. 2. Confirm if my loan is currently eligible for PMI removal based on " current value '' / appraisal.

3. If it is eligible, what are the conditions. What XXXX is required in order to remove the PMI. 
4. If I am not eligible right now, when am I projected to be eligible to remove PMI at XXXX XXXX and XXXX XXXX XXXX.
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Capital One XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Information on Account Number XXXX Dear Sir/Madam, I am writing to request clarification and documentation regarding the specific details for the above-referenced account, which appears on my credit report. I would like to request the following information for my records : 1. Date of First Delinquency 2. Date of Last Payment 3. Date of Last Charge-Off This information is essential to ensure the accuracy of my credit report and to confirm compliance with relevant credit reporting laws. 

Please provide this information in writing at your earliest convenience. I would appreciate a prompt response within 30 days to avoid further steps. 

Thank you for your assistance. 

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

I am disputing the information reported on my credit report regarding an account with LVNV FUNDING LLC. The account was opened on XX/XX/XXXX, and is currently listed as a collection account with a balance of {$460.00}, as reported in XX/XX/XXXX. 

I do not recognize this debt and have no prior knowledge of any transactions or agreements with LVNV FUNDING LLC or the original creditor. I have not received any communications or notifications from LVNV FUNDING LLC regarding this account, making me question the legitimacy of this collection. 

Furthermore, my personal data was exposed in a recent data breach, which could have potentially resulted in unauthorized accounts or debts being reported in my name. Due to these circumstances, I am requesting verification of the debt and any related documentation to substantiate the legitimacy of this collection account.
Product: Mortgage

Relocated to Ohio in XXXX with a job transfer. It was not a smooth transition and because of many circumstances out of our control, the move cost us XXXX and a lost home. The transfer was voluntary therefore, the company did not reimburse charges. In XXXX, we found that we were trying to recoup our monies lost and was contacted by a broker with HFC, what he explained to be a Home Equity Loan sound as though this is what we need. It would consolidate our debt into XXXX loan in the amount of {$20000.00}, and it would be paid off in XXXX years. I contacted HFC aka HSBC a couple years ago to inquire as to why the loan is going on XXXX years old and the balance is {$21000.00}. I was told that this was a credit card with a high interest rate which incurres interest monthly. Because of the job market in XXXX Ohio, I have been unemployeed ( layed off ) XXXX times since XXXX ; I allied for a hardship modification with HFC and was approved in XXXX XXXX. I am still getting late notices for the original montly amout and when I call in I am told they do not know why their system has not changed things nor why the total amount is not going down other that THIS IS A DAILY RATE INTEREST BEARING LOAN. How can we ever take care of this? I feel this was a deceptive practice from the first conception of this loan and I am sure we are not the only ones this has happened to. What can we do?
Product: Checking or savings account

I have both a personal checking and savings account with Wells Fargo. I opened my savings account to transfer funds into it each Friday to have the funds available to pay miscellaneous tax bills ( vehicle tax, municipal sewer, etc. ). 

The savings account is subject to a monthly {$5.00} service fee, subject to a few conditions which cause the fee to be waived. XXXX of those conditions- as outlined to me when I opened the account- is to have {$25.00} in monthly transfers. My weekly transfers were approximately {$16.00} each, causing me to easily hit the {$25.00} threshold for the first few months the account existed. 

Beginning in XXXX of XXXX, my account began to be hit with monthly {$5.00} service fees. When I visited a Wells Fargo branch in XXXX to inquire as to the fees, the banker I spoke with expressed that she was under the impression that my account should not be accruing fees due to the additive total of the transfers. She called what I am assuming is Wells Fargo 's internal helpline, and was informed that the {$25.00} was no longer additive for the month, but that there now had to be at least XXXX transfer during a month that was greater than or equal to {$25.00}. 

The banker was very apologetic to me, stating that she would have still been under the impression that the fees were still calculated the way they had been previously had I not brought it to her attention. She kindly refunded the XXXX  months of fees that I had been assessed ( {$15.00} in total ) and offered to file a complaint on my behalf. 

I have yet to hear from Wells Fargo concerning this matter. The funds were refunded to my account and made available sometime between XX/XX/XXXX and XXXX ( the funds were pending for a while over the XXXX holiday and I was traveling so I was not able to check regularly ).
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When contacting Equifax, after them getting my date of birth wrong, along with several other things, and finally getting it corrected after several long months, they still do not display any of my credit history, I have had multiple credit cards, loans, recurring bills, and leases, yet they display no information on me.
Product: Debt collection

The debt with the company XXXX XXXX was paid in full on XX/XX/2017 however nobody filled this paperwork with the court. When you attempt to contact this company you get a recording stating to call back during working hours even though I have called during those hours. The other company involved in this case is Midland Credit Management. When I call this company I am told they are unable to talk to me because there is an attorney involved. When I ask for that information they are unable to provide it to me. I have paperwork showing I have paid my debt in full but nobody will submit that paperwork to the court and remove the lien. It has been removed from my credit but still shows up in the court system as an active case. This is now preventing me from getting a home equity loan that I am more than qualified to receive. 

I am not sure what else I can do at this point as the company has my money but will not file the proper paperwork.
Product: Debt collection

Midland credit management calls me several times every single day. All time of the day, and they call from so many different numbers. A man named XXXX leaves me about 3 voicemails a day. I get a few emails from them as well. When I go to the website and attempt to log in it is a blank screen and does not tell me what I owe or from who and there is no option for me to make any payments.
Product: Debt collection

I am a victim of identity theft, company XXXX XXXX XXXX has been reporting negative XXXX XXXX account that is not mind this company is violating my rights this Account XXXX was dispute on all 3 credit bureaus and remove,XX/XX/2017 this company is out of order.