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

In accordance with the fair credit Reporting act Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States : I have the right to privacy. 15 USC 1681 Section 604 A Section 2 States : A consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681a- Definitions ; rules of construction- Exclusions.- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX and XXXX. Ive already included this report in a previous letter & I am including it again. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity and information has been stolen and used someone other than me. There has been numerous inquiries and fraudulent accounts made on my name resulting in a {$25000.00} car loan debt that is unauthorized.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations. 

Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction. 

Drawing from my research and complete comprehension You nor any entity is permitted to keep any non-compliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the XXXX character format fielded XXXX statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal five ( XXXX ) portioned personal identifiers, and even the unabbreviated XXXX pieces of confirmation to collect. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Name of Alleged Creditor : XXXX - XXXX - I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX mo XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX - XXXX - I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence. 

INQUIRIES TO BE REMOVED : XXXX XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX has violated my rights. 
They are reporting inaccurate late payment information from XX/XX/2022. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1691 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaints are with XXXX XXXX incorrectly reporting rental payment and status XXXX XXXX XXXX XXXX XXXX, MI XXXX, Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX XXXX  XXXX XXXX for in accurately reporting to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX Phone ( XXXX ) XXXX XXXX XXXX  in XXXX Michigan lease denial XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone ( XXXX ) XXXX or ( XXXX ) XXXX XXXX for their credit screening process/denial based on inaccurate information XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MA XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Adjustment Bureau is reporting a {$930.00} XXXX collection fee and incorrectly listed as an Eviction. I have had Legal Counsel involved which gave specific instruction to both XXXX ( XXXX XXXX XXXX XXXX ) as well as Account Adjustment Bureau. 

This was an early lease termination initiated by me the Tenant and not an Eviction as stated. XXXX failed to address several complaints or provide another solution regarding the unsafe/unhealthy living environment from Extensive Residential Drug by neighboring Tenants. My Apartment was constantly filled with XXXX and other XXXX  odors. After several failed attempts to address this with XXXX management, I gave XXXX proper notice, all rent was up to date and paid on time. 

This is affecting my ability to find a rental with XXXX XXXX  in XXXX Michigan. I I was refused a lease due to XXXX  credit screening. 

Please see attached letter from Attorney. Any additional supporting documentation can be provided
Product: Debt collection

During my annual credit health check, it was discovered that said collections owed to XXXX XXXX were owed by me. I attempted to contact XXXX, who did not have any information on debt. Who then directed me to " Convergent Outsourcing '' who could not provide an email or mailing address. When asked when was initial notification of debt sent out, they said it had not. Information other than social is incorrect. When asked to dispute, they directed me to file a police report. No type of resolution or attempt by a debt collection agency to resolve.
Product: Credit reporting or other personal consumer reports

I sent the following email to BoA fraud investigation personnel who investigated my case on XX/XX/16. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Hope all is well. As I attempt to have a closure on the recent identity theft activities at my expense, I came to the conclusion that a replacement of my current Texas driver 's license ( with a new license number ) is warranted. My local  police officer who has been working on my case informed me that there are still cases where my Texas driver 's license is being used with different people 's pictures on it. I talked to the local XXXX people and they told me that in order to apply for a replacement with a new number, I would need a bank letter at which fraudulent activities occurred ( they DO NOT accept police report which surprised me ). Therefore, I came to you for help. I would need a letter from Bank of America stating that a fraudulent auto loan was acquired with my TX driver 's license with a fake picture and signature of course. This document would support my application. Please also include my SSN and TX driver 's license number in the letter. Thank you so much for your help. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- However, I received a call from a representation informing me that Bank of America would not be able to provide such letter. The standard letter they sent me in XXXX was the only thing they could provide in which there was no reference of what personal identification information of mine was comprised.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX have noticed inaccuracies on my credit report such as late payments. I am writing this letter to have my credit report updated to be current and up to date. First, according to the F.C.R.A Section 604 ( A ) ( 3 ) 15 U.S Code 1681 ( b ) Permissible purpose states that I have the right to privacy and that my information can not be shared without my written consent! Second, Section 607 ( A ) 15 U.S Code 1681 ( e ) Compliance and Procedures states my report must be 100 % accurate at all times and these late payments are not accurate! Nor did I authorize these late payments to show on my report. Third, according to the Truth and Lending Act Section 15 U.S Code 1666 ( b ) corrections of billing errors the CRA must correct any billing errors made on the consumer 's credit report with a written statement of what accounts need to be updated and corrected. I have already sent a letter 30 DAYS AGO AND YOU ARE NOW IN VIOLATION OF MY CONSUMER RIGHTS! I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. These accounts must be updated AS SOON AS POSSIBLE to avoid any VIOLATIONS FEES.
Product: Credit card or prepaid card

The Fidelity Investment Credit Card, provided by Elan, has recently updated their XXXX software app so that the user can no longer see pending transactions and posted transactions. I believe this was done to make it difficult to pay off the balance in real time ( previous incremental changes made it difficult to pay balances too, but are not discussed here ). But this also makes it difficult for the user to monitor potential fraud on their account. This information is also valuable to monitor spending and should be easily accessible. A user can have enormous charges pending, but the app shows a {$0.00} balance for several days. 

There is a way to see transactions through a desktop web portal, but its convoluted to do so. Theres no reason for balance information to be hard to access, besides ill intent. 

The recent change to their user app is alarming and suspicious. This does not seem like a user friendly change, but rather the opposite. This deserves investigation. 

Ive contacted the company through two mediums, but they have not responded.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on 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
Product: Credit reporting, credit repair services, or other personal consumer reports

DISPUTE CODE - XXXX My personal information was stolen in 2020, since that day Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act multiple unauthorized Inquiries and accounts have been found on my credit report please immediately delete and remove all inaccurate accounts I have listed. In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX has violated my rights by reporting fraudulent information across my TransUnion, XXXX and XXXX credit bureaus. I would like this account deleted from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency 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 item from the file if no documentary evidence is found in accordance with FCRA, 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 reseller. 
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights by reporting fraudulent information across TransUnion, XXXX and XXXX credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency 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 item from the file if no documentary evidence is found in accordance with FCRA, 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 reseller.
Product: Credit card or prepaid card

1 ) It appears that a credit card has been fraudulently opened in my name with " XXXX XXXX / XXXX XXXX '', which may have a XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH, XXXX.

2 ) I have never heard of XXXX XXXX / XXXX XXXX, I have not applied for any credit cards in years, I knew nothing about this and did not authorize it.

3 ) I disputed this via XXXX as fraudulently opened / not mine.

4 ) XXXX XXXX / XXXX XXXX '' has denied that it's fraudulent but rather responded that the account is valid.
Product: Credit card

Company claimed they did not receive a payment. 
XXXX bank showed the payment was Sent on XX/XX/year>. 
As a condition, I agreed to make a second payment over the phone provided they were to credit the first payment for the next month. 
They agreed and took the payment. 
Less than XXXX hours apart both payments were debited to my bank account. 
Company is now stating they never agree to crediting the second payment to the next month. 
I do not appreciate the company 's lack of candor, misuse of my time, bait and switch tactics and unprofessional and rude representatives. 
XXXX of the payments should be returned or credited.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDING WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATEDMY RIGHTS 15 U.S.C 1681 SECTION 602 ASTATES I HAVE THE RIGHT TOPRIVACY 15 U, S, C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONCUMER REPORTING AGENCY CAN NOT FUMISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION
Product: Debt collection

XX/XX/21 & again on XX/XX/21 Sunrise Credit Services contacted me and tried to extort money from me regarding a debit that IS NOT MINE! They said the debt is owed to XXXX XXXX XXXX at and address that I lived at for 4 months 21 YEARS AGO! 

I contacted XXXX XXXX XXXX and they compared my email address, social security number, drivers license, and phone number with this fraudulent account and CONFIRMED THAT THIS IS NOT MY DEBT! The XXXX XXXX XXXX rep also stated that " these collection agencies contact consumers in an attempt to intimidate them into paying debts they don't owe, she also said that these collection agencies don't investigate or confirm if debt is valid, they just XXXX part of the consumer 's name & choose ANYONE whose name is remotely similar and start harassing them, she also stated that this fraudulent debt will continue to be sold again and again to even more vicious collection agencies ''. 

I think this is wrong and unfair to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion continue to report public record items their public records vendor has clearly stopped reporting ( see attached ). XXXX and Transunion are in violation of FCRA regulations ...
Product: Credit reporting or other personal consumer reports

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

Here are the following inquiries XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX has violated my rights. 
XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

XXXX XXXX XX/XX/XXXX has violated my rights. 

XXXX XXXX XX/XX/XXXX has violated my rights. 

XXXX XX/XX/XXXX has violated my rights XXXX XXXX XX/XX/XXXX has violated my rights XXXX XXXX XX/XX/XXXX has violated my rights Below here are the accounts XXXXXXXX XXXX XXXX XXXXXXXX, has violated myrights. 

XXXX XXXX XXXX, has violated myrights. 


15 U.S.C 1681 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 make 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 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: Credit card

BP BUSINESS SOLUTIONS MASTER CARD- You can only receive your bill electronicallythe bill arrive on the XXXX and must be paid by the XXXX ( only 13 days ) If you have a Mac & use Safari You ca n't pay online anymore - Their IT dept disabled this option for Mac users. XXXX XXXX sent my Bill Pay payment on the XXXX. BP could n't process payment or put my payment of XXXX on another persons account. They did n't process my payment until XX/XX/XXXX on XX/XX/XXXX they charged me XXXX for a late fee for the remaining balance of XXXX plus they are charging default int fees of XXXX & XXXX & on XX/XX/XXXX they charged me XXXX for a late fee for the same issue
Product: Credit reporting or other personal consumer reports

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED INACCURATE LATE PAYMENTS BEING FURNISHED TO MY CREDIT REPORT. I HAVE NEVER BEEN LATE WITH THIS CREDITOR. 

I REQUESTED CONCRETE EVIDENCE OF THESE LATE PAYMENTS, WITH NO FORMAL RESPONSE. THESE LATE PAYMENTS ARE UNVERIFIABLE. FURNISHING THESE INACCURATE PAYMENTS ARE AFFECTING MY ABILITY TO OBTAIN CREDIT. LATE PAYMENTS ARE BEING FURNISHED DUE TO COMPUTATION, AND THE CREDITOR FAILING TO PROVIDE A STATEMENT 21 DAYS PRIOR TO THE DATE. NOT CORRECTING THIS IS IN VIOLATION OF 15 USC 1666B I HAVE NOT GIVEN ANY PERMISSION FOR THIS INFORMATION TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681 ACCORDING TO FCRA, INFORMATION PERTAINING TO TRANSACTIONS AND CUSTOMER EXPERIENCES ARE TO BE EXCLUDED FROM THE CONSUMER REPORT. REPORTING THIS INFORMATION IS IN VIOLATION OF 15 USC 1681S-3 LAST YOUR COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING THIS FALSE INFORMATION IS IN VIOLATION OF 15 USC 1681E ( B )
Product: Student loan

I have been in repayment for my student loans with Navient ( formerly Sallie Mae ) since XXXX. I was told by a XXXX XXXX representative many years ago that after 25 years my loans would be forgiven. After I was told this, I wanted to verify it with Navient and the representative there lied and told me my loans would never be forgiven. Recently I received correspondence from Navient stating that after 25 years of " qualifying payments '' my loans would be forgiven. I sent an email requesting to know when my loans would be forgiven since I am nearing the 25 year mark and I was told it wouldn't be until the year XXXX. I am wondering why Navient did not disclose to me what the requirements are for " qualifying payments '' so that my loans could be forgiven after 25 years. My balance is now over {$300000.00} after years of interest growing at over 7 % and now they want to continue charging me interest until XXXX. Navient should have let me know what I need to do to meet the requirements of making " qualifying monthly payments '' so my loan could be forgiven after 25 years. I feel they have really taken advantage of me and are trying to make as much money off of charging me interest that they can.
Product: Checking or savings account

On XX/XX/23 XXXX took out a XXXX  XXXX  charge for {$330.00} I had thought I cancelled my sons tutoring in full so I called Citizens to file a claim. 
On XX/XX/23, the claim was approved On XX/XX/23, XXXX took out another reoccurring charge for {$330.00}. 

This time I called XXXX directly to make sure it was cancelled. XXXX credited my account back directly. 

On XX/XX/XXXX, Citizens debited my account {$330.00} citing an overcharge. They said that since I was credited by XXXX, I didnt need their credit. I walked them through my transactions. The rep said that she agreed and apologized for the mishap. She submitted a second review. The second review was also denied citing their original excuse! They have given me fake emails, blatantly lied to me, and have still yet to refund me for their mistake.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on 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