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

I XXXX XXXX have been treated unfairly by this consumer reporting agency and they have been using my private consumer information without my consent. 15 U.S. Code 1681b - Permissible purposes of consumer reports- ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've not given verbal or written consent to any agency for them to us any information. 15 U.S. code 1681c-2 allows the consumer to block and remove information all that resulted from identity theft, If you follow the guide line which they provide. Please inform them of these consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX - XXXX ( EXPERIAN ) 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 written instructions 15 U.S.C 1666B ( a ) : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose The accounts with XXXX XXXX XXXXXXXX XXXX and XXXX XXXX ALSO happen to be fraudulent, and the credit reporting agencies refuse to comply. I need IMMEDIATE compliance after failure to comply in previous disputes. To verify that an address listed on my
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts are closed but are still reporting and updating incorrect information. Debts were sold and wrote off and sent to collections. Debt was never verified and never sent a signed contract to validate debt for : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The debt has been unverified by ARS Account Resolution. The collection was removed from my credit report over 5 times because this debt was unable to be verified. Now here we go again. A collection placed on my account by them. I want this collection removed immediately. This debt does not belong to me. Further more you do have any signed contract stating I must pay you and again this agency has failed to validate this debt on numerous instances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found improper use of my repot all are showing inaccurate on my report i need them deleted immediately and also need a copy of the original copy of the account send me a copy to XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX asap In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right of privacy 15 U.S.C 1681 Section 604 A. Section 2 : It also states a customer reporting agency can not famish an account without my written instructions
Product: Mortgage

A previous complaint -- that was resolved via an apology letter from Rocket Mortgage -- concerned harassing calls and emails around the first of the year trying to get me to refinance my home when I didn't want to. 

Today I received another letter from Rocket Mortgage ( signed by a XXXX XXXX XXXX and dated XX/XX/31 ) telling me that my application for a home loan was being denied and that my credit history was the primary issue. I have numerous complaints. 
XXXX. I never made an application that could be denied. XXXX XXXX made up the request. 
XXXX. My present XXXX score is XXXX ; I doubt that constitutes a weak credit history on any scale. 
XXXX, The letter states that my mortgage banker should already have " had a conversation '' about the fictional denial. I never had a mortgage banker for this alleged loan request ( # XXXX ). And I never had a conversation with any one about any request. 

This is the third time Rocket Mortgage has made false statements about mortgage requests from me. The previous two times -- subjects of two separate complaints -- were addressed, though without stopping any bad practices. 

I do have a mortgage that is handled by Rocket. I am not unhappy with their handling of that mortgage. But I have no intentions of refinancing it. This continued inappropriate contacts must stop.
Product: Credit reporting or other personal consumer reports

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed below. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, this notification should not be charged. 

Items in question XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Money transfer, virtual currency, or money service

I logged in to pay a utility bill, and got a message saying " an error occurred. something went wrong. '' It has been saying that for XXXX hours and I need the money now. 
I called the number on the back of their card, and was told " don't worry. '' I got decently upset and asked more questions and for a manager. I was told that if i send a screen shot that " maybe '' she can escalate the issue. I asked when that will get it fixed and she said " maybe '' in XXXX hours but she doesn't know. 
Put me on hold, and after XXXX minutes disconnected me.
Product: Credit reporting or other personal consumer reports

Need Ally financial removed off of my credit report it's paid off
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 subsection a, it emphasizes the importance of consumer reporting agencies fulfilling their responsibilities in a fair, impartial, and respectful manner towards individuals ' privacy rights. XXXX XXXX and Experian are examples of such agencies, and as a consumer, I have the right to safeguard my personal information from being shared. This right is reinforced by 15 USC 6801, which states that financial institutions have an ongoing obligation to uphold customer privacy and protect the security and confidentiality of their nonpublic personal information. By definition, the " furnisher of information to credit agencies '' falls under the category of financial institutions. Moreover, 15 USC 1681 section 604 subsection a subsection 2 specifies that consumer reporting agencies can only provide consumer reports under certain circumstances and with the written instructions of the relevant individual. Neither the financial institution nor the consumer reporting agencies, XXXX XXXX and Experian, have obtained my consent in writing or any other form. Consequently, any consent previously given to XXXX XXXX, Experian, or the " furnisher of information to credit agencies, '' whether expressed verbally, non-verbally, in writing, implied, or otherwise, is hereby revoked. According to 15 USC 6802 subsections b and c, a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without explaining to the consumer how they can exercise their option to maintain nondisclosure. However, the " furnisher of information to credit agencies '' failed to inform me of this right. Furthermore, as per 15 USC 1681C subsection a subsection 5, no consumer reporting agency is permitted to include certain adverse information in a consumer report unless authorized under subsection b or if the information is a record of a crime conviction that predates the report by more than seven years. Since this account is an adverse item being reported without my consent, it is a violation of the law. Additionally, 15 U.S. Code 1681s2 subsection A subsection 1 prohibits any person from furnishing inaccurate information about a consumer to a consumer reporting agency if they have knowledge or reasonable cause to believe it is inaccurate. Moreover, 15 U.S. Code 1681e mandates that consumer reporting agencies establish and maintain reasonable procedures to prevent violations of section 1681c and to restrict the provision of consumer reports to the purposes listed in section 1681b. XXXX XXXX and Experian have not demonstrated reasonable procedures in this regard. Lastly, as outlined in 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, CREDIT COLLECTION SERVIC add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CREDIT COLLECTION SERVIC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$19000.00} ; XXXX XXXXXXXX Balance : {$410.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX, CA XXXX ;
Product: Money transfer, virtual currency, or money service

The landlord tried to cash the money order unable to because the company Sigue has gone bankrupt. The amount of the money order was for {$990.00} and it was purchased on XX/XX/XXXX and was attempted to cash on XX/XX/XXXX
Product: Credit card

From the previous complaint, you didnt try to fix the problem. You stated that my payments were reversed but I never received any of those payment back to my Apple Card saving which I always used to pay my balance. You closed both of my Apple Card Saving account and Apple Card account at the same time.
Product: Debt collection

I had got me a credit counselor XXXX organization that help me work on my credit to gain a XXXX score and because of this NCC Business collection they have damaged my credit saying that I have an eviction they are located in XXXX Florida.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a CFPB complaint to your agency in regards to a item listed on my consumer report. In the public record section of my consumer report. On XX/XX/XXXX your agency stated in your response that this item was verified as reported. But in fact, that is not 100 % true. Because this item is currently still being reported wrong. The reference number and court name does not match across all three of my credit reports. Please correct, modify or delete this item from my Transunion consumer credit report immediately for the following reasons.
Product: Debt collection

This company stole my private information and sold it to credit reporting agencies without my knowledge or permission. Let alone my consent. This company has used deception and abuse in order to extort me for a debt not owed. I sent them a cease and desist order, yet they are not complicit. They continue to report false information to my credit report. They have not shown proof of any contract. The refuse to respond, let alone verify and validate the claims. They are in direct violation of FCRA 15 USC 1692. Theyve furnished my alleged consumer report with false information. We never had an agreement nor a contract. This action has caused me great damage without my due process of law. This ruining of my reputation has caused me harm and has limited my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payments on the dates below : CAPITAL ONE - XXXX**** I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I notice that my student loans were once removed from all 3 credit bureaus. They are now showing back up on my credit report, as owing over XXXX XXXXXXXX. It is reporting on my XXXX XXXX and XXXX report, but NOT on my XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  was also apart of the XXXXXXXX XXXX XXXXXXXX case that was filed in mid - XX/XX/XXXX for defrauded while in enrolled. I also have letter from Nelnet that student loans have been marked paid in full. They show {$0.00} balance on all sites. Nelnet, Federal Student aid.

I am also aware of the serious legal violations and breaches federal privacy laws, including the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of XXXX and the Higher Education Act, I demand the immediate cancellation of all financial obligations related to these debts. 
It has come to my attention that my personal educational and financial information has been improperly accessed by unauthorized third parties, including XXXX XXXX or affiliated entities. This unauthorized access constitutes a gross violation of my federal privacy rights and nullifies any enforceable loan agreements under federal law. 
Legal Grounds for Discharge : 1. FERPA Violation : The exposure of my educational records without my express written consent is a direct breach of FERPA, which mandates the protection of personally identifiable information.

2. Violation of the Privacy Act of XXXX  : The mishandling and unauthorized disclosure of my personal information contravenes federal requirements that safeguard the privacy of individuals ' data managed by federal agencies and contractors.

3. Breach of the Higher Education Act : The Higher Education Act requires servicers to maintain strict confidentiality and compliance in loan transfers. The transfer of my loan to Advantage and subsequent data breaches demonstrate clear negligence.

4. Breach of Contract and Data Security Obligations : By failing to protect my sensitive information, with Nelnet and Student aid have breached contractual terms and obligations, rendering these debts unenforceable.

Demand for Resolution : Due to these violations, I formally demand : Immediate and unconditional cancellation of all financial obligations associated with my student loans. Complete removal of all student loans and Nelnet entries from my credit report.

Written confirmation of this cancellation and credit correction within 30 days.

If my demands are not met, I reserve the right to pursue all available legal remedies, including claims for damages arising from these privacy breaches and violations of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed items on my report several times,   XXXX   refuse to delete items that have already been disputed on  XXXX . I asked them repeatly to provide me with proof of their verification which they refuse to send me. I also had  2 public Records  listed on my report. law as o f      XX/XX/XXXX s tate if cant verify it has to be removed. well all   XXXX   credit agencies removed  one  of the public records and made it a collections instead of removing it. attached is proof of it listed under public records. that is fraudulent and against the FRCA. also  one  of the collections account was removed  ( Interstate  credit collection ) and they put it back with out notifying me withi n 5 bu siness day that it was reinserted back on my file. per the fair debt it has to be deleted. please delete the accounts that you never verified. if you did please send me your verification method professional Med Adj is undeliverable and how can you delete  2  but verify the oher, please delete
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX  XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance XXXX {$8900.00} XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX Balance : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I opened XXXX account with WellsFargo in XXXX. I have overwhelming documentation that I saved through email and text. I have several overdraft fees and insufficient funds fees. Starting from the opening of my account, I was on SSA benefits and my deposits were direct deposit between the XXXX and the XXXX of each month. Looking back through all the email correspondence with WellsFargo, I have several that are about late fees and insufficient funds fees. I also show where several times because of these issues, I had to keep receiving new debit cards as a precaution. This was very inconvenient. There are also several occasions that I had to contact the bank about late fees, insufficient fees more, because they would allow debit transactions to post before my direct deposit. By doing this, I spent extra money that I didnt have with my SSA benefits. I borrowed from several people, to whom I still havent paid back. I would contact the bank and ask about all the fees just about every month. I was told that they would put items in investigation to find out why it happened. While some were returned, it still didnt fix the issues. I also had a secured credit card with the company and not even today do I know where my {$300.00} secured payment went after I closed my account. On several occasions I had to continue to call and check the status. They should have known me by name. Sometimes, I believe they just refunded some was to just stop dealing with me, but that was far less than the times they did absolutely NOTHING. I have several emails, as I make folders for every subject. I had several disputes for unknown transactions that I was aware of, not sure for ones that I didnt know about. There were several occasions where suspicious activity was reported and causing me to receive new debit cards. I lost count of how many new card I received.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit reporting agencies are reporting derogatory/inaccurate accounts on my consumer credit report. The accounts are listed as " charged off '' but I have never received a 1009C ( Cancellation of Debt form ) showing that the debt was cancelled. On XX/XX/2023, I reached out to each credit reporting agency regarding this matter, but nothing changed. The last date reported on some accounts are XX/XX/2023, so the inaccurate accounts have continued to be reported-even after the dispute. A couple of the accounts are showing the same account number but a different balance. I have copies of the letters that I sent to each credit reporting agency
Product: Credit reporting or other personal consumer reports

I decided to start fixing my credit and noticed a few accounts I did not authorize. These accounts are SOUTHWEST CREDIT SYSTEMS opened XX/XX/year> for {$640.00}, and XXXX XXXX opened on XX/XX/year> XXXX. I would like for these accounts to be removed from my credit report.
Product: Payday loan, title loan, or personal loan

Company agree to remove negative information from Credit files once they receive the unemployment claim insurance form that they sent to me and and I return back to then in a timely manner and they got paid by insurance for it and left the negative Information in my credit files breaking the promises.
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. 

Account Name : XXXXXXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>XXXX XXXX XXXXXX/XX/year>
Product: Vehicle loan or lease

I called lender to get updated on the account and I was provided a balance not showing on my credit report. Vehicle was auction in XXXX before payment was delinquent. Lender stated that they didn't send a notification of repossession or phone call only a letter stating the car sold in XXXX, before being delinquent, to me by main in XX/XX/year> balance is less than the amount reported XXXX XXXX XXXX. I was never able to recover my property inside the vehicle
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from DT CREDIT located at XXXX XXXX XXXX XXXX, AZ XXXX showed on my XXXX  credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX