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

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 



XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to get financing for a car loan.I was excited to go to the dealership until the car salesman came back into the room and informed me that he wasn't going to be able to get me financing for any vehicles. This caught me by surprise because I have always understood the importance of having and maintaining good credit history. So I always did my best to make sure I kept all of my affairs in order. So of course I was full of many different emotions when the salesman informed me that I wouldn't qualify for any financing. These negative items being reported on my credit report are not my accounts. I demand them be removed. This is defamation of character. I am an old woman, there is no reason why someone my age that has never had any run and with the law go through these type of situations. During my entire XXXX umph something years I have done nothing more or less then work hard and take care of my family! This is also a FDCPA violation 15 USC 1692d. Reporting inaccurate items on someone credit report negatively affects a consumer 's reputation. FCRA 15 USC 1681 states that a consumers credit report is the consumer 's reputation. If these items are not removed immediately I will seek litigation. I also provided evidence to support that I was a victim of the XXXX  data breach.
Product: Mortgage

dual tracking ... .. bank of America is attempting to foreclose on the home without a court date i have submitted all of the paperwork to the bank and they are trying to keep the sales date and prolong the process without contacting me ... .. fraudulent deeds were submitted .... payment history that only dates back to XX/XX/XXXX ... .. bank of America is illegally attempting to extort extra money for this home .... a sales date of XX/XX/XXXX is set without going to court
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed paid off account with XXXX XXXX XXXXXXXX XXXX from XX/XX/ that is inaccurately reporting a late payment on XXXX, Equifax and XXXX. I was never late with this account and was never notified of a late payment. It is also reporting inaccurately which is a consumer violation pursuant to 15 USC 1681e ( b ) which states credit accounts must report maximum possible accuracy at all times. This account is in clear violation of that. I have attached a screenshot of the payment history showing the inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

After 2 disputes submitted and denied by XXXX, Equifax, and XXXX, XXXX XXXX still FALSLY misleads submittals to these credit agencies by writing that I " Paid '' the past-due amount but then WRITES -- " {$730.00} Written Off ''. XXXX XXXXXXXX XXXX slowness in internal processing lead to their statement of " {$730.00} Written Off '' in the Account with XXXX  XXXX in XXXX. In addition, I believe the simple remedy is for the 3 Credit Agencies, at least, AND if possible to include XXXX XXXX, to list the TRUTH in my 3 credit reports as " Paid. Account Closed ''. 
Lastly, they mistakenly state that my account was opened until XXXX. I believe this is a FALSE statement because it was settled much earlier about XXXX, which would lead to it being deleted all together due to the 10 or 7 year listing of such item being EXPIRED for being listed in current credit agency listings. XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XXXX I hired Lexington Law to help fix my credit report. I stopped Lexington Law service in the month of XXXX. XXXX XXXX XXXX XXXX was contact by Lexington Law to dispute or try to have the charges removed from my credit report but it was not. Instead XXXX XXXX XXXX XXXX went back as far as the month of XX/XX/2017 stating some payments that was missed need to be added. This took my score of XXXX to XXXX. Now I can't buy a house. I have my report if needed. Thanks for your patience.
Product: Credit reporting or other personal consumer reports

From XXXX until XX/XX/XXXX, I endured a challenging period in a XXXX  XXXX  relationship that lasted multiple years. During this time, several financial accounts were opened in my name without my consent, leading to significant financial distress. In light of these circumstances, I was forced to declare bankruptcy in XXXX, which has further complicated my efforts to rebuild my credit. 

As I work diligently towards my goal of purchasing my dream home, I find myself hindered by these accounts that stem from a situation beyond my control. Therefore, I am respectfully requesting the removal of the following accounts from my credit report, as they are tied to a litigation process that is unrelated to my actions. 

Here are the specific accounts in question : XXXX. **Account Name : ** XXXX XXXX XXXXXXXX XXXX 
**Account Number : ** XXXX **Account Type : ** Line of Credit **Responsibility : ** XXXX XXXXDate Opened : ** XX/XX/XXXX XXXX. **Account Name : ** XXXX XXXX XXXX  XXXXAccount Number : ** XXXX XXXXAccount Type : ** Secured Card **Responsibility : ** XXXX XXXXDate Opened : ** XX/XX/XXXX XXXX. **Account Name : ** XXXX XXXX XXXX XXXX Number : ** XXXX **Account Type : ** Auto Loan **Responsibility : ** XXXX XXXXDate Opened : ** XX/XX/XXXX XXXX. **Account Name : ** XXXX XXXX XXXXAccount Number : ** XXXX **Account Type : ** Note Loan **Responsibility : ** XXXX XXXXDate Opened : ** XX/XX/XXXX XXXX. **Account Name : ** XXXX XXXX XXXX Number : ** XXXX XXXXAccount Type : ** Cell Phone **Responsibility : ** XXXX XXXXDate Opened : ** XX/XX/XXXX I am sincerely asking for your understanding and forgiveness regarding these issues, as I am making every effort to rectify my credit situation. The burdens associated with these accounts are significantly obstructing my path towards financial recovery and homeownership. Thank you for considering my request.
Product: Debt collection

I am a victim of fraud. While checking my credit report, I noticed a collection of {$7600.00} from 12 NETCREDIT by XXXX XXXX. The account was open on XX/XX/2019. I never applied or received any loans or credit cards from NETCREDIT. This is the first time I become aware of this change. Never received any statements, letters or any other form of notifications from NETCREDIT concerning this fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX..., account # XXXX..., account # XXXX ..., XXXX # XXXX..., account # XXXX has violated my rights. 

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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my reports and noticed you are reporting the incorrect ( high credit ) and the incorrect ( credit limit ) the ( incorrect date open ) the incorrect ( last reported ) the incorrect ( date last active ) the incorrect ( date of last payment ) for this account ( XXXX XXXXr XXXX ). Because these inaccuracies are being reported by your company and XXXX and XXXX are different, this means the account has not been properly verified. Please delete this account immediately. 

Attached is on updated report showing the inaccuracies Thank you
Product: Payday loan, title loan, or personal loan

This account has been disputed multiple times and has been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to payoff a loan since XX/XX/XXXX. I sent a personal check and they did not receive it per them. XXXX XXXX bank issued a stop payment and sent out 2 more checks. One to payoff one of my accounts XXXX for {$11000.00} and a principal reductions on another account XXXX for {$2500.00}. These checks cleared by account on XXXX and Lending Clubs on XX/XX/XXXX but Lending Club has not posted them to my account and they say they do not have them, but it takes 7-10 to post or 10-14 days depending on who and what day you call the story changes. It was on auto draft but they took the one off auto draft that I was paying off, but I am afraid they are going to report me to the credit bureaus. They say they won't be they can not be trusted. I have called everyday for 2 weeks now and I get the run around and now they want me to do there job and track down the checks. I have attached to this compliant, but I am not getting anywhere. I see that the FTC filed a compliant against Lending Club through the XXXX. That should say something about their creditability. I want the checks posted to my account and a signed letter from Lending Club stating that I will not be turned over to the credit bureaus for any late payments..
Product: Debt collection

They continue to call and harass me. They have called my wife on her cell harassing her. They threaten to garnish wages and put liens on property. I do n't owe them any money and those they say they are representing. The company calling is premium assest services. They do n't have valid website. They say they represent an online payday loan which is even illegal in the state of Kentucky.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and I've attached a copy of my report to this complaint on the following dates ( XX/XX/2022 and XX/XX/2022 ). I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit card or prepaid card

I Received two {$50.00} gift cards XX/XX/XXXX activated-Vanillagift.com XXXX Serviced by Incomm Financial services , Inc I Tried using both on XX/XX/XXXX at local retail shops for amounts well below the {$50.00} threshold for each. Each time they were declined, Called their customer service number on the same day XX/XX/XXXX. Gave the rep the card info on one of the cards. He said " some retailers don't except visa gift cards '' and to " try other locations for purchases '' ( this alone is mis-leading advertising because their own website does not state this, quite the opposite ) Revisted issue with cards 3 days later on XX/XX/XXXX - Tried to purchase an item online - well below the {$50.00} threshold. Cards were declined, went to vanillagift.com, figured maybe I need to register cards for them to work, Balance showed XXXX XXXX  available on one, and {$50.00} on the other ( the only person beside myself that knew the card info was the customer service rep I spoke to on the phone at Vanilla ). Charges consisted of multiple {$10.00} charges to XXXX XXXX store on XX/XX/XXXX - this was not done by me. 

On the same day XX/XX/XXXX called customer service number XXXX at Vanilla - transferred to stolen card info dept, Spoke with a rep from XXXX. XXXX that asked for all of my personal info if they were to investigate issue, Info she asked for was my - DOB/Soc Sec # / Address, I declined to give info and she informed me that nothing else could be done to help me if I didn't give them that info. I asked her why the other card wouldn't work and she explained that " only '' certain places except them and to keep trying, she then ask me for the card number info, which I declined to give her. 

As of XX/XX/XXXX I have one {$50.00} gift card that was maxxed out and the other which is unusable at multiple online/ and local retail outlets.
Product: Credit card or prepaid card

XXXX : CITICARD XXXX ELITE PLATINUM SELECT XXXX XXXX XXXX XXXX 1. I made use of a 0 % balance transfer/purchase rate from Citicards a few months back with the understanding it would expire in XXXX, 2020. 
2. In the meantime, I have never made late payments and have been an outstanding customer for Citi over the years.

3. I had about {$5600.00} on the card in XXXX, whose promo rate was set to expire in XXXX. I proactively called Citi customer service and spoke with a manager and asked about extending the low interest rate or any other savings options available in light of COVID-19 4. I was advised in that ( recorded ) phone call that I would need to call back in one month when the cycle had ended, so that I could obtain relief. Relief measures included extending the same low interest rate for a few more months or transferring me over to a similar, low rate ( close to 0 % which was currently on the account ). 
5. I asked the agent to make notes in their system reflecting my detailed conversation.

6. I duly called back on XX/XX/2020. The agent advised me that there were no notes in the system reflecting any of my previous conversation or request in XXXX. 
7. I asked to be transferred to a supervisor. I was given a supervisor by the name of " XXXX '' with whom I spoke ( after obtaining clearances to speak as an " authorized user '' on the account ). 
8. XXXX told me there were no notes in the system and that she was unable to grant me any offers ( either as extensions or as low rates close to what I had been using thus far ).

9. Considering that I was specifically promised relief and considering Citi 's own self-announced relief for cardholders, and considering that I had not been in default, and considering my card loyalty for many years, I found Citi 's position aggressive, unyielding, tone-deaf and patently unfair. 
10. I am asking that CFPB investigate their behavior, summon all records needed, and make a determination as to their representations in this matter.
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 U.S. CODE 1681, 15 U.S. CODE 1681B, 15 U.S. CODE 1681C-2, 15 U.S. CODE 1681 S-2. 

XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX 15 U.S. Code 1681b A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) The person who obtains such report from the agency certifies to the agency that ( i ) The person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) The consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.

15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 U.S. Code 1681 C-2 Notification to consumer If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.

15 U.S. Code 1681 S-2 ( A ) Reporting information with actual knowledge of errors 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: Debt collection

The company failed to notify me of their intent to garnish before garnishing my paycheck. When I notified them of this, they agreed that they had sent the notice to an incomplete address ( they did not include the apartment number ). They agreed that they would suspend garnishment and we would pursue a rehabilitation of the debt. They, in fact, garnished my wages at the end of  XXXX .
Product: Credit reporting or other personal consumer reports

Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, the list of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts above have violated my rights. 15 U.S.C 1681 section 602A, states I have the right to privacy.

15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c section ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 section ( A ) ( a ) states : 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 reporting

You must remove the Fraud alter from my credit profile!!! 

You must remove the inquiry for XXXX XXXX XXXX XXXX from my credit report!!!!! 
XXXX card balance is not correct!!!! 
XXXX XXXX XXXX card balance is not correct!!! 
XXXX high balance XXXX is displayed and affecting my credit account is closed MUST BE DELETED XXXX BALANCE IS INCORRECT!!!! 
XXXX MISTAKE MUST BE REMOVED OFFICE RAN APPICATION THREE TIMES!!!! THET AGREED TO REMOVE IT MY ADDRESS NOT CORRECT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX I request the method of verification, under the FCRA section 611 ( a ) ( 7 ). 


Escalate his call to a supervisor do not use the XXXX. System You must update my credit score!!!!
Product: Debt collection

Global Payments Check Services LLC is contacting me in attempt to collect a debt I do not CONSENT to as a Consumer, they have used profane and abusive language by my standards as well as calling me repeatedly at inconvenient times such as work, I have issued them a written affidavit as well as a cease and desist order accompanied with a bill of particulars for each violation. They received this information on XX/XX/2021 via Usps certified mail.
Product: Mortgage

I was behind one or two months on my mortgage. So I had called them to make a payment. And I had asked them where their fees were coming from because on every mortgage statement the fee price was different and it was all over the place meanwhile I have a fixed mortgage. So I asked them to send me. A copy of all payments made and all payments received so they sent me a copy of all the payments received But they did not send me a copy of all payments made. Now I have had a XXXX fixed mortgage since 2002 that I made extra payments on etc and it is beyond me how as of XXXX of this year my payment went from {$2100.00} down to {$1500.00}. when I called and spoke to them no one could give me a answer on why my rate has dropped and the only thing that I can think of is because I threatened them by saying that I was going to call you guys and make a complaint. I am also quite confused about how they charged me a late fee just about every month and yes I was late a few times but the real reason why I was late was because of the outrageous amount that they were charging me. Also when I purchase this home I had XXXX come out and they said I did not need flood insurance then I started getting charged for flood insurance and all I keep getting told is that it's my responsibility to call XXXX well I already have the letter from XXXX that I gave to the original mortgage company why isn't my responsibility to continue to deal with XXXX over and over again when I already did that before I originally purchased the home. They don't have a copy of the letter when they purchase the mortgage from the XXXX XXXX XXXX that I had isn't that their responsibility. Why do I have to do someone else 's job for them. The other question I have is then they sent me a check for {$60.00} saying overpayment doesn't say what I overpaid on or when they ever payment was but yet they charged me a late fee every month so I am completely confused with this company SPS