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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures.
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 XXXX XXXX XXXX. 

Account Name : XXXX  XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX  XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX 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 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 XXXX 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 reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX : Request for Removal of Repossession Nissan Motor Acceptance identified on each CRA as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am writing to dispute the inclusion of a repossession submitted by Nissan Motor Credit on your credit report under my XXXX XXXX XXXX XXXX XXXX. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically concerning the accuracy of consumer reports and the permissible purposes of such reports, I request the prompt removal of this negative item from the credit report. 

FCRA Section 605 ( b ) prohibits the reporting of information on my credit report without my permission. As this repossession does not accurately reflect my credit history, it must be removed immediately. 

Please provide written confirmation once the repossession has been removed from my credit report. I expect an expedited resolution within 30 days from the date of this letter, as required by law. 

You can reach me at XXXX or XXXX if you require any further information. 

Thank you for your prompt attention to this matter. I appreciate your assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I initiated a currency exchange from USD to AUD. I used XE currency exchange app and I was directed to submitted a wire transfer of XXXX to Dandelion Payments INC DBA XE USA to XXXX XXXX XXXXXXXX XXXX XXXX and account number XXXX. On Monday the XXXX I contacted XE and they advised they never received the money they continued to ask me to provide verification from my bank but they never reached out to their bank XXXX XXXX XXXX XXXXXXXX ) to inquire about the whereabouts of the money which XXXX XXXX told me was with XXXX XXXX XXXXXXXX. I am sending all of my receipts and the app details which also contain an address for XXXX XXXX XXXX in New York that does not exist at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. My XXXX is out of my account and XE cancelled my transaction. This is looking like fraudulent activity. 
XE reference number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope you can help me. On XXXX XXXX I file disputes with all three credit bureaus XXXX, XXXX and Exquifax. The things I am disputing are simple late payments remove, remove me as authorized user on some accounts arent mine some are showing balances when they were paid in full. I know the law is 30 days and it was been way over 30 days. I even sent these certified mail and I still havent got back the return slips. You cant tell me they have not received these letters. 
I am trying to get my credit clean up and I am getting no help from the credit bureaus.
Product: Debt collection

The company is AllianceOne. I can not provide a log of calls as they always use a different number. They have called multiple times a week for the last 7+ months about a debt I do not owe. 

I do not have any derogatory marks or debts in collections, which Ive verified through XXXX and XXXX. Ive asked them to stop calling me multiple times and it continues. At this point I do not identify myself and hang up immediately.
Product: Mortgage

When the CARES act was passed in response to COVID-19, on XX/XX/XXXX I notified my Mortgage Company, Village Capital and Investments, of my desire to enter into a forbearance plan in accordance to the CARES act. Village Capital granted my request as required by the CARES act. However Village Capital has NOT reported my mortgage status as CURRENT as required by the cares act. They have reported to the credit bureaus as account in forbearance. The language in the CARES act explicitly forbids this status reporting. Village Capital must report the account as CURRENT. Village Capital has refused to fix this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Accepance reports account as an open since XX/XX/XXXX. Before then it was reported as an collections account from XX/XX/XXXX to XX/XX/XXXX. It has been over 5 years since the last payment. I believe this account should have stayed in the collections status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. 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. 
. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.This account unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, JPMCB CARD XXXX Date Opened : XX/XX/2014 Balance : {$14000.00}
Product: Credit card or prepaid card

XX/XX/XXXX, I purchased furniture from XXXX XXXX XXXX for a 24 month no interest payment plan. First payment was due XX/XX/XXXX and the last payment due XX/XX/XXXX. 

In XX/XX/XXXX I started to have problems. I received a late payment charge. I did not dispute the charge but did call to inquire and the agent said that payments are posted the day the check is received even on weekends. Thus, I monitored my bank account to see when the checks cleared. Recently, I reviewed statements and this is not the case. See attached transaction and posting dates : XX/XX/XXXX and XXXX XXXX XX/XX/XXXX & XXXX XXXX XX/XX/XXXX & XXXX, XXXX I started to monitor my checking account to see when checks were clearing. All was well until XX/XX/XXXX when my check had not cleared. I called to make a payment on XX/XX/XXXX. The next month XXXX payments cleared my checking account on XX/XX/XXXX. 

I also pay a XXXX Bank payment ( to XXXX, GA ) the XXXX of each month form XXXX, NY and I mail both checks the same day. The TD Bank payment goes to XXXX, MI. The XXXX 's account has never drawn a late charge. Why only TD Bank? Due a day later. 

On XX/XX/XXXX I paid the account in full. TD Bank continues to assess a late fee and incomplete payment charge ( {$65.00} total ). 

I have made extra payments XXXX XX/XX/XXXX ) and have paid the account off early. I believe the extra and early payments should close out the account and that the fees assessed are in error. These early payments should not allow TD Bank to put me a position to penalize me. Therefore, I am requesting a reversal of the {$65.00} and that TD Bank stop mailing me solicitations. Yet, TD Bank says that the early/extra payments don't count as the are not submitted with invoices. 

A strongly disagree. 

To summarize : 1. I have proof that TD Bank does not post payments on transaction dates. 
2. I have been ahead of the agreed payment schedule since XX/XX/XXXX. 
3. I have paid the account in full as of XX/XX/XXXX, XXXX months early according to the agreement. 

I am requesting TD Bank reverse the {$65.00} and stop sending me solicitations. 

Respectfully submitted, XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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

Synchrony Bank ( " bank '' ) caused a hard inquiry to appear on my XXXX credit profile without any legitimate basis which caused my XXXX XXXX to be reduced. When the bank failed to resolve the issue, I filed a Complaint with the CFPB ( Refer to XXXX ). That case was closed when the bank 's XXXX XXXX, issued her letter dated XX/XX/2022 dismissing my concerns and which provided irrelevant and condescending information regarding the difference between hard and soft inquiries as well as XXXX XXXX and an actual credit reporting entity. I responded to the bank and used this to reopen my case. Attached is a copy of my letter with attached copies of the referenced XXXX XXXX letter and a copy of the actual hard inquiry. I have also referred the handling of this matter to XXXX XXXX, XXXX and XXXX or Synchrony Financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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 : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account ending in XXXX from XXXX XXXX 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 or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX  XXXX - XXXX XXXX  XXXX - XXXX XXXX  XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX  XXXX - XXXX XXXX  XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the employer information is wrong I have been with the same employer since XXXX  and never report it. 
someone put realt mark associate this is a wrong reporting information please remove
Product: Credit reporting or other personal consumer reports

I noticed an incorrect or inaccurate report from a consumer reporting agency that I had a 30-day late payment with XXXX  XXXX XXXX XX/XX/XXXX. This account has always been paid on time and has never been late since XX/XX/XXXX. I have attached a copy of my payment records. The consumer reporting agency needs to report all information with complete accuracy. 15 U.S. Code 1681e - Compliance procedures and ( b ) ACCURACY OF REPORT. Below, I have attached an accurate credit report from https : //member.identityiq.com of all three bureaus reporting inaccurately. Therefore, I request you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding, and respectfully, I look forward to your immediate action.
Product: Credit card or prepaid card

Citi Card Online has been making attempts to withdraw a payoff balance on my checking account three times now. The balance is from a credit card account owned by my mother and we originally had my bank account information listed to take out payments ( not for payoff ). However - my mother wanted to payoff the entire amount & mistakenly requested that from the bank that was listed on the credit card account, which was mine at the time. 

It was attempted twice, so my mother called Citi Card Online to make the change. The representative told her that the ONLY thing she could do was to have myself make a stop payment on my bank account - so that the payment request would bounce back to Citi Card Online. Ultimately, this meant I had to pay the fees for a stop payment with my bank so that Citi Card Online could stop the withdrawal attempts for an account that is not owned by me at all just because we had my bank account listed for monthly payments to be made. 

I called Citi Card Online myself to file a complaint - the representative, as it should be with privacy, told me I was unable to access the account without the account holder present, but I just wanted to leave a complaint regarding this issue. The representative then informed me, over a recorded phone call, that a stop payment with my bank was unnecessary and that Citi Card Online could just as easily have changed the bank account information and stopped any future attempts to withdraw from the previous bank account. My mother was NOT told this and she was told the only recourse was that stop payment with my bank. I have now had to spend over {$110.00} ( {$58.00} was returned to me generously by my bank, for the overdraft fees - but they are unable to remove the third attempts fee ) for an account that would have been properly paid off had they just told my mother that she could change the banking information, instead of advising her that a stop payment should be made on the bank account that was on file.
Product: Credit reporting or other personal consumer reports

These accounts below are paided off. Please update credit report. 

XXXX XXXX Last reported XX/XX/year> {$2600.00} Open balance {$5000.00} XXXX XXXX XXXX XXXX {$36000.00} Reported balance 31 days ago XXXX XXXX {$32000.00} Reported balance 31 days ago
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 XXXX XXXX XXXX XXXX
Product: Debt collection

I had a call Weinman acquisition collection company on XX/XX/2017 about XXXX XXXX and it instructed me to push 1 and I did. A gentleman came on the phone and I listening and he told me it was a bad debt for cash net and I tried to ask him how much was left owe and he then stated at this time I was a rude lady. I hung the phone up. The Gentleman called me back and said this will not make you debt go away. I asked again how much was left owed he stated at this time I should know and he also said I was XXXX and that I was XXXX. I asked to speak to someone else and he said you are not speaking to anyone else. I started making a noise make him listen. I then decided to hang up on him. I had to look on my caller ID to get a number to call back. I was sent to a director named XXXX and explained exactly what happened and I told her that was degrading and I do not believe that he should have spoke to me that way.
Product: Vehicle loan or lease

On XX/XX/2013 I was highly pressured into buying an over priced used vehicle with a {$1000.00} down payment on a {$19000.00} installment account from XXXX XXXX XXXX ( Address : XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX ). Shortly after entering the agreement and without warranty I found out that the car in question was on recall for a faulty motor and after paying for repairs I fell behind on the payments causing severe late fees and interest ultimately resulting in repossesion of the vehicle. There was no offer to deduct fees or interest on late payments in an attempt to get the account in a current status. After selling the vehicle to another person, the balance of the sale was charged to me by a collection agency in the amount of {$10000.00}. This has affected my credit score greatly and damaged further attempts to obtain credit.
Product: Credit reporting or other personal consumer reports

A collection showed up on my XXXX report from SEQUIUM ASSET SOLUTIONS, L XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for a debt that is not mine. I called Sequium, and they told me they had NO collections in my name under my social security number. I also filed a dispute with XXXX today.