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

I informed them several times I did not do any of these. I didn't ok any of these inquiries.i called multiple times as well as put an alert and hold so no one could run my credit without me being called first. But of course they didn't put it on my credit so that it could be stopped
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15USC1681 section 602 states I have the right to privacy. 15USC1681 section 604A section 2 it also states a consumer reorting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus on XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If they do not authenticate these accounts, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


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

Considering these unauthorized inquiries, I kindly request your prompt attention and investigation into this matter. I am confident that your institution places great. importance on customer satisfaction and security, and I trust that you will take the necessary steps to resolve this situation effectively. As a first step, I would appreciate it if you could provide me with details. information pertaining to the alleged accounts, including any associated. transactions, applications, or account activities. It is crucial that I review this. information to assist in the investigation and help identify any fraudulent activity that may have taken place. Furthermore, I kindly request that you suspend all activity and remove the related. alleged accounts immediately, including any associated fees, charges, or penalties. I expect that no adverse actions will be taken against me due to this unauthorized account activity, as I am not liable for any actions taken without my knowledge or consent. I understand that resolving this matter may require some time, and I am prepared to cooperate fully during the investigation process. However, I kindly request that you keep me updated on the progress and provide me with regular communication regarding. the steps being taken to address this issue. Please be assured that I have taken immediate steps to protect my personal and financial information. I have changed my passwords, enabled additional security. measures, and alerted the relevant credit bureaus to monitor my credit reports for any suspicious activity. I want to express my sincere hope that this situation can be resolved amicably and swiftly. I believe in the professionalism and integrity of your institution and am. confident that you will manage this matter with the utmost attention it deserves. Should you require any further documentation or information from me, please do not. hesitate to contact me at the phone number or email address provided above. Thank you for your immediate attention to this matter. I eagerly await your response. and a resolution to this concerning issue. XXXX XXXX  did a inquiry on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Unauthorized Credit Inquiries and FCRA Violations by Credit Reporting Agencies Complaint : Upon reviewing my credit report, I discovered the following unauthorized inquiries : Experian XX/XX/XXXX Inquired XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX Inquired XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX Inquired XXXX XXXX XXXX XXXX XXXX MI, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquired XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/XXXX I did not apply for credit or authorize these companies to check my credit report. These inquiries were made without my consent, in violation of the Fair Credit Reporting Act ( FCRA ). I am requesting immediate removal of these fraudulent inquiries from my credit reports.

Request for Action : 1. Immediate Removal of Unauthorized Inquiries : These inquiries were made without my authorization. I request that the credit reporting agencies immediately remove all unauthorized inquiries listed above from my credit report.

2. Compliance with the FRA : Under the FCRA, the credit reporting agencies and creditors are required to ensure that the information on my credit report is accurate. The unauthorized inquiries on my report violate this provision, and I demand compliance to maintain accurate and fair reporting.

3. Stop Collection Activities : I request that all collection activities related to any fraudulent accounts tied to these unauthorized inquiries be stopped immediately.

FCRA Violation - Permissible Purpose : According to FCRA Section 604, a company must have a permissible purpose to access a consumer 's credit report, such as my explicit authorization or a credit application initiated by me.

These inquiries were made without such permission, and I believe this is a clear violation of the FCRA.

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate these unauthorized inquiries and hold the credit reporting agencies and any related companies accountable for violating the FCRA.

Requested Resolution : 1. Immediate removal of all unauthorized inquiries from my credit report.

2. A full investigation by the CFPB into this violation of the FCRA 3. Ensure that the credit reporting agencies comply with the FCRA to maintain Accurate information.

Thank you for your immediate attention to this matter. I look forward to a prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received a strange call about winning the lottery and a free credit card. The person on the other line told me that they will give me a free cruise ship.I denied the request and ask the person how did you receive my information. The person stated to me that they notice on my consumer report I had no credit and I will be a perfect fit for the cruise ship rewards. I hung up the phone and called my local police and notified them of the weird call and scam. The dispatcher of the local police notified me to call all the consumers reporting agencies and notified them of the scam. I also checked XXXX, XXXX, and Transunion consumer reports and noticed many false inquiries that I never did. I even notice addresses and a fraudulent account as well. I even contacted the fraudulent dept of these reporting agencies still no one contacted me back 120 days later.
Product: Mortgage

On XX/XX/2022, {$1800.00} was taken from my account to be applied to the principle. instead I was told there would be no payment due for XXXX and XXXX. The balance was {$53000.00}. No payment was deducted from my checking account. The XXXX payment was deducted from my checking  account. That left a balance of {$53000.00} for XXXX. What happened to the payment of {$1800.00}? Why are they stopping us from making extra payments towards to principle and paying off this loan ahead of time? This is the second time we have reached out to you and that matter was taken care of by them. Please help.
Product: Credit reporting or other personal consumer reports

The below account has been charged off, per my credit report. 

Chase Card ending in XXXX Per IRS guidelines I should have received a Form 1099-C from any creditor who charges off a debt.

As of the date of this complaint, I have not received a 1099-C from said entities.

The creditors have charged off the aforementioned debts thus receiving a tax write off. Per IRS regulations, this now becomes income to me and must be reported on my tax returns.

Per 15 USC 1681 ( 2 ) ( a ) ( i ), No transactions or experiences are permitted to be on a consumer credit report. Furthermore, credit bureaus report ; 1. Soft and Hard Inquiries 2. Bankruptcies 3. Unpaid Child Support and Alimony 4. Collection accounts Credit bureaus do not collect information on income as it is deemed irrelevant and does not reflect one 's ability to back debt.

As this charged off accounts has now become " Income '' to me, it should not be reported to the credit bureaus.
Product: Credit reporting or other personal consumer reports

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

Account Name : : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of
crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to b
elieve that the information is inaccurate.
Product: Debt collection

RE ACCOUNT # XXXX CLIENT REFERENCE : # SAME COLLECTIONS ACCOUNT # XXXX XXXX CONTINUE TO GET OUTSTANDING BILLS FROM \XXXX XXXX XXXX. WHEN I SIGNED UP IT WAS ONLY A MONTH PROMOTION FOR XXXX A WEEK. I HAVE CALLED TO CANCEL AND CANCEL AND I STILL GET BILLS. NOW I AM IN COLLECTIONS SO I AM VERY UPSET.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX,, has XXXX 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 or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$11000.00}.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 



1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements.

3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action.

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner.

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX. 

XX/XX/XXXX SS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the the consumer and a natural person. Consumer reporting agencies are violating my rights according to the FDCPA and FCRA. They are not reporting an accurate report. Reporting false and misleading information. Ruining my reputation. Stopping me from doing business with other companies. The consumer reporting agencies are still showing accounts on my consumer report that have been deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially disputed a collections on my credit report back on XX/XX/2020, transunion removed it because they found it to be invalid. 

The same collection amount was then placed with a different company. Transunion then placed it back on my credit report although they have previously found the debt to be invalid. I have since disputed 3 times, once in XXXX, once in XXXX, and now this month. 

I contacted transunion in XXXX. I explained this wasnt a valid debt they stated they saw where it was previously removed. I asked them to provided written documentation of the dispute including documents showing my signature and explanation of the debt being valid. All they did was provide a letter stating that they verified it was valid. But not proof was provided. 

Im very frustrated, I want elevate recoveries removed from my credit report. They have not provided any valid explanation for debt nor have they ever contacted me. 

Im frustrated with transunion. This is affecting my credit. I have attempted to apply for a school loan and it is affecting that as well.
Product: Credit reporting or other personal consumer reports

Date XXXX XXXX Re : Account XXXX XXXX Dear Sir/Maam, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : XXXX XXXX XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX & amp ; Transunion or all that apply ) and update the accounts to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 

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

This is XXXX of my many attempts to inform the XXXX credit bureaus that I am an identity theft victim and that certain data in my paperwork appear to be the result of improper behavior. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Remove any notable information regarding any claimed fraud or extortion from my credit record, assuming that no one will care. 
XXXX XXXX XXXX XXXX : {$0.00}
Product: Student loan

Dept of ED/NELNET {$1100.00} PAID IN FULL Dept of ED/NELNET {$46000.00} PAID IN FULL Dept of ED/NELNET {$27000.00} PAID IN FULL all paid in full I have received paper work but my fico score has not went up from this and should be changed as soon as possible on XXXX, XXXX, AND XXXX XXXX I received letter in mail on XXXX XXXX. This is the law and it is against the law that my credit score has not raised up and a total of {$74000.00} was paid off on my credit report and my credit score should show the rise in my credit. Thank you I will wait until next Thursday XX/XX/year> before contacting a Attorney for further actions. 

THANK YOU IN ADVANCE
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Continental Finance Company took advantage of me by taking DOUBLE Monthly Minimum Payments from me for months and only allowed double payment ( on-line payment and by phone when I checked to see if minimum for each month was being received by CFC. We I found out by looking at XXXX 2015 Monthly Statement CFC was actually receiving {$70.00} and not the agreed upon {$35.00} I contacted CFC to ask and was told to turn off auto pay and I would not suffer late fee or other penalty while the matter was being fixed and that I would be refunded for XX/XX/XXXX double Minimum Payment received by CFC. I was told I could use the Refund for XXXX 2015 payment. I have not received a Refund and CFC still charged me with a late Fee. I have never been late with a payment. My account with CFC is now Delinquent. I contacted my bank XXXX for help to stop double payments going to CFC. I think I was being double charged Interest for each double Minimum Payment I made. XXXX Contacted CFC. That same day or the next my account was charged late fee and is now somehow delinquent. How can my account be delinquent when I never missed a Minimum Monthly payment? On one or two occasions CFC applied the Doubled Minimum Payment for the next months payment, like XXXX XXXX and other well known Creditors do.
Product: Student loan

I am a XXXX  who is licensed XXXX XXXX ( In XXXX, XXXX, and XXXX  ) and at the end of last year ( XX/XX/2020 ) I applied for XXXX  Loan Forgiveness through the Federal program. I should potentially qualify as a Secondary Science XXXX  according to the program and it is for up to {$17000.00}. One of my loan servicers ( XXXX  ) granted the forgiveness that I applied for but the other ( Nelnet based out of Nebraska ) denied my claim on the basis that they don't consider me as a XXXX XXXX  based on Nebraska legislation. I contacted the Nebraska Ombudsman and they also recommended that I continue to pursue it because of the confusing language that is used in regards to Nebraska legislation. 

The Teacher Loan Forgiveness Program States that " Secondary School '' is a public or nonprofit private school that provides secondary education as determined by state law or, if the school is not in a state, by the Department. 

Nelnet is referring to, Neb. Rev. Stat. 79-101 ( 5 ) indicates that " elementary grades means grades kindergarten through eight, inclusive. '' Neb. Rev. Stat. 79-101 ( 6 ) indicates that " high school grades means all grades above the eighth grade. '' The Nebraska Revised Statues do not directly define " secondary school. '' but it refers to " high school ''. From the Neb. Dept. of Education Rule 10 from Title 92, Nebraska Administrative Code, Chapter 10 " secondary grades '' is defined as " means those grades designated by the school system as secondary, but not to include any below grade XXXX ''. 

I was hired with the requirement of a XXXX XXXX XXXX certificate because my school is accredited with as a secondary school and they have to follow the guidelines of hiring teachers with a XXXX certificate to remain in compliance. 
I contacted Nelnet individually on the dates that are specified on the Nelnet contact document and with a SAVI representative on XX/XX/2020 but we haven't received any other help from Nelnet on how to proceed because they just say the Guarantor doesn't deem it as a qualifying case since they consider me an XXXX XXXX based on Nebraska legislation ( worth {$5000.00} ). My XXXX  approval was worth {$7600.00} so it was above the {$5000.00} for an XXXX XXXX because they deemed my case as a qualifying XXXX XXXX. 
I should also note that one of my years of service was with a XXXX XXXX in XXXX which may be used to argue that my particular situation could also fall under review by either state or should potentially default to the federal definition of what is considered a XXXX XXXX.