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

To whom it may concern, YOU BROKE THE LAW!!!

Pursuant to 15 USC 16814 ( a ) ( 1 ) the banking system is dependent upon fair and accurate credit reporting information. This inaccurate information was furnished, and I was not notified when during the investigation process. 
Pursuant to 15 USC 1681 ( a ) ( 1 ) This grave error undermined my confidence in your companies procedures, and as a result of this I will no longer extend credit and want these items removed IMMEDITLEY. 
Pursuant to 15 USC 1681 ( a ) ( 2 ) Your company is a powerhouse elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversity my credit worthiness. 
Pursuant to 15 USC 1681 ( a ) ( 3 ) Your company assumes this role. You were not given permission by me, the consumer, or a competent court of jurisdiction. Not only did you fail the initial investigation of this information, you also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights. 
Pursuant to 15 USC 1681 ( a ) ( 4 ) You did not insure the information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story, never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, and violated my right to privacy. 

Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( a ) ( I ) Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. The alleged transactions that you are reporting are false and have failed to investigate, weather or not it factually took place between the consumer, and the person making the report. Which means it should not be included in my consumer report and in fact is a violation of my consumer rights.

Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) In the initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation. 
Pursuant to 15 USC 1681 a ( B ) Any authorization of a specific extension of a credit or credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit as defined as 15 USC 1602 ( 1 ) Therefore I am requesting IMMEDIATE REMOVAL OF ALL Negatives ITEMS FROM MY CONSUMER RFEPORT
Product: Debt collection

The  XXXX   XXXX , Management company for  XXXX   XXXX   XXXX   XXXX , refuse to change or eliminate the amount they state is owed to them for cleaning damages to an apartment I rented from them for a year. I have videos of how I left the apartment ( which was fully cleaned which I submitted to them ). I also disputed the case with the current ap artment manager, who stated a different total owed, and that she only had record of a custodial che ck list submitted on the apartment.  <P/> The presence of this on my credit report is extremely damaging, especially with the company having no proof that I left the apartment in the condition they stated, of which I have dated videos to prove otherwise.  <P/> Dates rented t  he apartment is on the attached documents.
Total reported to t  he credit bureaus : {$2500.0  0} Total amount reported on letter submitted to myself and other property in apartment network : {$1600.00} No Rent Due ( as attached ).
<P/>  This is a huge difference. Not to mention, that although this was stated on their management report to my new apartment management, they did not reduce the amount on my credit report.  <P/> This is extremely damaging to my credit report, and is likely to come up every time I seek to rent another apartment.
Product: Credit card

Received an introductory no interest card from citi diamond preferred. First payment was due XXXX 2016. As of XXXX four payments were due on account. Four payments were made. Statements requested multiple times but seemed to " not get to me ''. Since I was not receiving statements I simply made payments before I knew they were due. Again, four payments within four payment months due. Apparently a payment was received too EARLY so was applied to my balance BUT NOT MY NEXT PAYMENT DUE. Of course since I was n't receiving statements I assumed it would be applied. Finally received a statement for bill due XXXX XXXX on XXXX XXXX. Had a late fee applied, even though I had paid 4 out of 4 payments due ... and more than the minimum due on each. Called customer service and was told the payments were improperly applied because it was made too ealry but a request to remove late fee would be made and removed within 3 days. When it was not I called back again and got another story. At which time I was given a XXXX dollar inconvenience credit and to, d to make an additional payment then call back to have fee removed. Made an additional payment as advised and called back a third time and was told fee could not be waived. Is this legal for them to misapply payments because they are made too ealry ... .especially when they are obviously holding statements in hopes of gaining something to make up for the interest free status in the account. Seems like a crooked underhanded way to get extra money when they see someone is paying in spite of them not sending statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen me and my family of XXXX will be facing XXXX  due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE XXXX IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. 

Companies listed below are reporting accounts obtained thru identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 did not give expressed written consent to or authorize any third-party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, that no consent is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please promptly remove this data within 4 business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely compliance!
Product: Mortgage

On COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Mortgage ISSUE Trouble during payment process I contacted this department before in regard with trying to get an Itemization from the company. They had refused to answer the attorney General and XXXX, XXXX a staff requested that I contact this department for assistance. A decision was ruled in my favor. Since this decision the company continued to harass me stating that I'm falling behind and threatening to take me to court. They have constantly heard me. The loan is a VA loan with a general grace period. I mail the check a week earlier so it would get there on time. There is a week or two grace period couple that the check is sent a week prior. The bank is bullying me into trying to change bank. I have a low-interest loan which I pay {$2000.00} to lower the interest unless they can find another bank willing to take the mortgage with the same interest rate. I will not change bank
Product: Mortgage

hi im XXXX XXXX my complaint is with green tree mortgage green tree mortgage does not want help me getting my home qualified for a loan modification my home goes on sale Monday XXXX/XXXX/XXXX they are telling me im 8 months behind and its not true there reason for my delinquency there not applying my payments to the my account they keep asking to speak to my husband XXXX XXXX who is also on the title but he passed away XX/XX/XXXX we were originally with XXXX but later was passed to green tree because I filled a law suit with XXXX XXXX XXXX they gave my husband a loan when they new he was placed on hospice care soon after his passing I later had to get a loan modification because I was upside down on my house and since green tree is now the lender they refuse to deal with me even when I sent more proof of my husband being passed away I got a lawyer and found out it was a scam I lost money on that if it was n't for my oldest son moving back in I would of lost everything my family and my house is all I got and there trying to take that from me I did find out there was some illegal stuff done in my contract from the bankruptcy attorney that I hired this week im going for chapter XXXX so I can get time to find help for a fair and new loan modification its a lot more I would speak to some who can help me im up in age and would like for my grand kids to have my home in the future please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a look at my Credit report and it has multiple discrepancies that I have tried to settle with the credit bureaus and need them removed as the information violates FCRA guidelines.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account open with the XXXX XXXX XXXX on XX/XX/XXXX the XXXX XXXX   XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I got a amazon reward visa credit card from one of their promotion. That card belongs to chase bank. According to Chase bank 's instructions I installed chase mobile app and setup my credit card. I've set alerts about payment due date. But the app never sends payment due notifications or any form of bills. I never get any chase billing in my mailing address. Ever since I have this credit card I have to login every time to check for a due payment and need to make that payment. Not getting any bills or notifications makes keeping track of due payments so hard.

The inconvenience is, Chase is charging the Late fee on my account. Instead of correcting errors on their
end, like sending alerts, and/or sending bill on my address they are forcing me to pay the late fee.

On my behalf, I confirm that, I've a very good credit history. I've always paid all my purchase payments timely manner with all my credit card providers. I do NOT have any outstanding balance with chase either. The only amount hanging in my account is the late fee which has been generated by only their system error.

Legally, I must not held accountable for Chase 's erroneous and inconvenient alert and billing services. I request for a resolution of this issue, that is, taking off the incorrect late fee from my account.
Product: Credit card or prepaid card

Recently I learned that Citi is stripping almost all of the benefits from their credit cards, such as car rental insurance, return protection and price rewind. They promised these benefits when I signed up for the card and they should not be able to be removed in such an arbitrary and harmful manner. Citi is showing itself to be a poor corporate citizen who is unconcerned with the welfare and wellbeing of its customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my Experian credit report on XX/XX/2021 and noticed an inquiry that was unauthorized, inaccurate, or made in error by XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3900.00} Status Account charged off. {$3900.00} written off. {$3900.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. {$440.00} written o XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Collection account. {$180.00} written off. {$180.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1600.00} Status Collection account. {$1100.00} written off. {$1600.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 

FCRA violations : payments never late XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$18000.00} Status Open. 

FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am requesting debt validation, according to 15USC 1692G, I have no knowledge or contract agreement, nor provided anyone permissions to share personal information with LVNV Funding LLC, I am requesting wet signature and proper verification of this debt. This debt is violating my consumer rights.

1. Send full detailed list of payment history on this account 2. I want to see original signature that I agreed to on the contract for this creditor 3. Has there been any insurance claims filed on this debt 4. I want to see the chain of title you have on this debt
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concerns about the disputed accounts on my credit report. I have raised these issues multiple times and requested thorough investigations, yet I have not received any resolution or corrective action. 

These inaccuracies are severely impacting my credit file and affecting my daily life. The negative consequences have caused significant hardship, and I am urgently seeking your assistance to resolve this matter. 

Please conduct a detailed investigation into the reporting of each disputed account and take immediate steps to correct and update my credit report. Restoring the accuracy and integrity of my credit file is crucial for me to regain control of my financial well-being. 

I kindly request your prompt attention to this matter and appreciate your cooperation in addressing these issues as soon as possible. Thank you for your understanding and support.
Product: Debt collection

Please help me. My employer informed me today that they received an EMAIL from an attorney 's office for a judgement creditor named Midland Funding, LLC. In the letter, was my complete social security number that ( by way of that email ) went to several persons within my company. 

I am completely embarrassed that this went to several persons in upper management and I feel that his has caused harm to my reputation. I did read about the Fair Debt Collections Act and I feel that my rights have been violated. in that first ; they sent this to my employer, second ; they released my entire social security number to many individuals and third ; they have tarnished my reputation with a company that I have been employed with for 23 years. 
I have attached the letter that was emailed to my employer, but I hid my SS #. 
What recourse do I have? 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Failure to Remove Inaccurate Account Information in Violation of 15 U.S. Code 1681i ( 5 ) Recently review a copy of my report I did an investigation on my credit report and found several item in there to be inaccurate. 

Account XXXX XXXX XXXX, account number XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This account is fraudulent activity I need this account remove ASAP if this doesn't get resolved I will have to use legal actions
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion 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 creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX : {$1400.00} Opened Date XX/XX/XXXX XXXX Original Creditor XXXX XXXX Balance : {$66.00} Opened Date XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

* XXXX XXXX XXXX Never apply a account I send a letter to credited and credit report didnt remove * XXXX XXXX XXXX Never apply a account I send a letter to credited and credit report didnt remove * XXXX XXXX Never apply a account I send a letter to credited and credit report didnt remove Only in Tranunion Need to be removed XXXX XXXX XXXX XX/XX/1966 XXXX XXXX XXXX XXXX XXXX Florida XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX XXXX  XXXX # XXXX On XX/XX/2021 I requested the following from XXXX XXXX XXXX  : Validation of debt, Method of verification and Assignment of debt for this account. They have place this account on my credit report without notification. If they believe they have notified me please provide " Certified Mail Receipt '' It's now XX/XX/2021. I have never received any of the requested documentation. Only a letter through the CFPB portal stating when notification was sent out, but there is no PROOF ( CFPB letter is attached ). In addition, They are in violation of my HIPPA Rights and FCRA it's been over 30 days since I have requested this information.

Please Reference CFPB file # XXXX for initial compliant directly with the company.
Product: Vehicle loan or lease

I am trying to purchase my lease from Kia. The dealership is not willing to honor the contracted price and is adding " extra fees '' not stated in the lease end purchase agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a violation under 15 US Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies as they did not provide me with a written notice about the account before reporting it. As a result, I demand to remove the account from my credit report as I disagree with the debt they claim I owe. Additionally, they have violated my rights under 15 U.S. Code 1681b ( 2 ) Permissible purposes of consumer reports by reporting the account without my consent and misusing my social security information. Therefore, as a victim of identity theft, 15 US Code 1681c-2 mandates blocking such data without my written permission. According to 15 US Code 1681a ( 4 ), consumer reporting agencies must respect my right to privacy but clearly, my right to privacy as a consumer has been violated by you publicly reporting this information when I never gave your organization permission to report my information.

Delete this account from my credit report Immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

They gave me false hopes about being pre-approved for credit cards, loans, and auto loans and when i go to apply it lowers my score as im thinking i could be approved but havent gotten approved im seeking monatery reemedy monatery damage
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 4 months ( i.e., XXXX, XXXX, XXXX and XX/XX/2022 ) my credit report has incurred random inquiries that I did not authorize or initiate. They appear across all 3 credit reporting agencies ( i.e., XXXX XXXX, Experian and XXXX ) none of which I initiated. Examples of these institutions include XXXX XXXX, XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX Bank just to name a few. These inquiries have happened multiple times over the course of months. In XXXX my credit score declined -17 points alone from these fraudulent inquires. All of the aforementioned institutions appeared on my credit report as inquiries in XXXX alone. This is detrimental to my credit score and a targeted attack against me. My credit score in mid-May was 750+ ; I have since put a freeze into place with the reporting agencies, but these inquiries need to be removed and blocked from future occurrences.
Product: Credit reporting or other personal consumer reports

XXXX XXXX In assurance with the fair credit act XXXX account XXXX has violated my rights. 

15. U.S.C 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 section : it also states a consumer reporting agency can not furnish a account without my written instructions