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

I am writing to express my continued frustration and disappointment regarding the unresolved inaccuracies in my credit report despite numerous attempts to rectify the issues. 

I have diligently submitted correction requests for the following discrepancies : Despite multiple efforts to address this matter, my credit report persistently displays a late open account that does not accurately represent my financial history. The account in question is inaccurate. I urge you to conduct an immediate and thorough investigation to correct this persistent misinformation. 

The credit report inaccurately reflects a charge-off that I have disputed on multiple occasions. Despite providing detailed information and evidence to support my case, the erroneous information remains on my report. I demand an urgent and meticulous examination of this matter, followed by the prompt correction of the inaccuracies associated with the charge-off. 

These inaccuracies are not only adversely affecting my creditworthiness but are also causing significant distress and frustration. I have made multiple attempts to address these issues, and the lack of resolution is deeply concerning. 

I insist on a comprehensive and expedited review of the matters mentioned above. Please provide me with a detailed explanation of the steps taken to correct these inaccuracies and a clear timeline for the resolution of these persistent disputes. I am asking for your assistance to correct the following accounts : XXXX XXXX XXXX XXXX : {$5900.00} Date Opened : XX/XX/2020 Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

XXXX XXXX XXXX XXXX : {$0.00} I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
Product: Credit card or prepaid card

I previously have submitted 3 disputes regarding the account with the three major credit bureaus going back since XX/XX/XXXX and they all have came back verified. After being unsuccessful I decided to contact the creditor via mail. i mailed a letter to Capital One on XX/XX/XXXX and they received it on XX/XX/XXXX. In the letter I stated that there was an account on my credit report that i did not recognize. I asked them how they verified this account and any original signed documentation that was tying me to this account that they were alleging belonged to me.I received a response from Capital One on XX/XX/XXXX regarding my letter. In the letter they requested in order to research my request that they needed a copy of the letter they sent me, a copy of my credit report, a copy of my original letter sent and the last 4 digits of the account number. I am appalled by the stall tactics that they are using regarding my request. I already sent them a letter with my name an address regarding my request with the partial account number that is listed on my credit report. I will not be giving them my social security number, which they already have because it is being reported on my credit report. It is there job to look into the investigation and provide me what I requested. They have more than enough information to properly look into my request. I have included all correspondents with Capital One and a copy of them reporting on one of my credit reports
Product: Mortgage

I tried talking with this company but seem like I didn't get anywhere with them XXXX XXXX XXXX XXXX XXXX did a foreclosure in XX/XX/XXXX and foreclosure sale in XXXX of XXXX and filed eviction in XXXX XXXX on a Texas home equity home loan line of credit contract. This has my mother and stepfather is named forged on this contract the original loan was paid off XX/XX/XXXX of XXXX the loan servicer was XXXX XXXX XXXX  when the mortgage was paid off and full and satisfied I have been fighting with them for 7 years and they are breaking the law and the rules and regulations and I got a paper a a certificate of facts from the secretary of the state that shows they don't have no information of them doing any type of business here in Texas. This problem has caused me pain and suffering because they have stowed money and they're trying to steal the property and this is way above {>= $1,000,000} issue so I hope this problem to be solved and I will send a copy of the certificate of fact or any other documents that I can attach to this because they are criminals and his property I have the paperwork that shows proof that this property has been paid off everything has been filed and recorded the County recording office also have the release of XXXXien of the property that shows my parents are the rightful owners of this property and there is no mortgage on this property the due to the fraud and the forge that has been going on for 7 years now since I've been dealing with this company or these Crooks
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Consumer Loan

Flagship Credit Acceptance has cashed a vehicle warranty cancellation check which they should have sent to me months ago. I have been calling almost three months to get results along with my dealership who ran into walls trying got deal with them. I have encountered customer service reps who constantly hang up on me and give me no help. They advised me that it takes over a month to research a check. Which they claimed that they have mailed out before but they had the wrong address. If that would have beneath case the postman would have put it in the correct box since I have been in the same complex for 5 years. The managers are nonexistent I have spoke to several who have no clue of the process of researching a check. My loan is paid off so I do not understand why it is taking so long and they have confirmed that they have the check.
Product: Credit reporting or other personal consumer reports

From a dispute placed in XXXX 2023 The Collection Agency CAINE & WEINER COMPANY INC, was removed from my credit report. As of XX/XX/2023, on XXXX somehow this collection is continuing to reappear with the same inaccurate information on my credit report. Account Number # # # # # # XXXX
Product: Credit reporting or other personal consumer reports

I came across the CFPB Experian lawsuit I feel I was negatively impacted XXXX hurting my chance at credit after receiving a response to my earlier dispute that the account were verified. 

Come with the receipts, or be quick to delete XXXX XXXX
Product: Credit reporting

To whom it may concern, I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail in order to dispute information, in regards to XXXX hard inquiries, that was being reported on my credit report. They received the letter on XX/XX/2017 and they completed the request on XX/XX/2017. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According tot he FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from it 's files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Vehicle loan or lease

Pursuant to Florida laws, which is the the state where laws apply to this contract according to the contract, Courtesy of XXXXExeter Finance took full advantage of my consumer report. According to Florida Statutes 687.02 ; Usurious contracts defined All contracts for the payment of interest upon any loan, advance of money, line of credit, or forbearance to enforce the collection of any debt, or upon any obligation whatever, at a higher rate of interest than the equivalent of 18 percent per annum are hereby declared usurious. XXXX XXXX XXXX Exeter Finance did charged me an XXXX of 21.7 %. Also XXXX of XXXX Exeter Finance violated my consumers rights by U.S. code 1635 ( A ) as I was never told I had 3 days to rescind the agreement nor was given the notices that come along with all consumer credit transactions. According to 12 CFR 1026.23 - Right of rescission ( b ) a creditor shall deliver two copies of the notice of the right to rescind to each consumer entitled to rescind ( one copy to each of the notice is delivered in electronic form in accordance with the consumer consent and other applicable provisions of the E-Sign Act ). The notice shall be on a separate document that identifies the transaction and shall clearly and conspicuously disclose the following, ( ii ) The consumer 's right to rescind the transaction. iii ) How to exercise the right to rescind, with a form for that purpose, designating the address of the creditor 's place of business. ( iv ) The effects of rescission and lastly ( v ) The date the rescission period expires. Which Courtesy XXXX of XXXX or Exeter Finance failed to do. Take further notice that Pursuant to 15 U.S. Code 1605 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which were never disclosed to me by your organization in direct violation of this law. XXXX XXXX XXXX XXXX/Exeter Finance also accepted a CASH down payment of {$1000.00} violating 15 U.S. code 1605 which clearly says that the finance charge does not include charges of a type payable in a comparable cash transaction. I have also recently come across information from the Federal Trade Commission more specifically the Gramm-Leach Bliley Act. 
15 USC 6802 obligations with respect to disclosures of personal information Notice Requirements ; Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( XXXX XXXX XXXX XXXXExeter ) did not disclose this information to me, the consumer that is required by Federal Law. Pertinent information was withheld about the disclosure of my information to affiliate and unaffiliated third parties. The information that explained how I, the consumer, could exercise that non-disclosure option was also withhel
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is not my account it was open fraudulent experian have not deleted it the other credit company have
Product: Credit card or prepaid card

I was ripped off by a guy on XX/XX/XXXX. He posed as a PayPal employee, and he ripped me off for over {$6500.00}. A police report was filed on the XXXX. I also filed a report with the FBI. Then yesterday, XX/XX/XXXX, I found out, that my credit score had lowered from XXXX down to XXXX, and upon investigation, I found out that a venmo credit card was opened using my info, on the XXXX of XXXX. I have had a venmo account for at least a year already, but I did not have a credit card with them. I had received a credit card from them a few days ago and just thought it was something they were sending out, because I have had an account with them for over a year. Then yesterday I signed up for the credit card monitoring service through XXXX, because I went to apply for an XXXX XXXX credit card, so I could purchase some music, and I was declined. I was thinking how could I get declined if my credit score was XXXX just a couple months ago, and once I got the XXXX monitoring service, I noticed that the credit card was opened on the XXXX of XXXX, and that it had already had a balance of {$1900.00}, and so the PayPal thief got a credit card opened up under my name and I guess did a cash withdrawal of the money. I was told to file a report with the FTC and so I got directed through the FTC to file it through you guys.
Product: Credit reporting or other personal consumer reports

I recently sent out letters to the Consumer Reporting Agencies about inaccurate items on my consumer report and they came back verified. However : I still never gave them no written content to furnish this information on my consumer report. They also violated 15 USC 1681i 5 & 7 and verified these items, and violated 15 USC 1681a ( 2 ) ( B ). The items have to be deleted BEFORE the full investigation is complete. The law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device are not supposed to be included in a consumer report, and this reported information was an EXPERIENCE of mine.

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Also, it is required that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. They did not follow reasonable procedures to meet my needs as a consumer nor do what is fair and equitable to me, the consumer. Most importantly, this company did not exercise their grave responsibility by respecting my right to privacy, as a consumer. 

Here are the items that need to be DELETED from my report. 
XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX  Balance Owed : {$6100.00} XXXX XXXX Balance Owed : {$3700.00} XXXX  XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX Balance Owed : {$5900.00} XXXX  XXXX Balance Owed : {$15000.00} XXXX XXXX Balance Owed : {$9600.00} XXXX XXXX XXXX XXXX Balance Owed : {$6100.00} XXXX  XXXX XXXX Balance Owed : {$21000.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1500.00} XXXX XXXX  XXXX XXXX Balance Owed : {$6100.00} XXXX XXXX  XXXX XXXX Balance Owed : {$6100.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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

I am writing to formally dispute the reporting of late payments on my consumer file, specifically related to the accounts below. Upon reviewing my credit report, I noticed that these late payments listed below are inaccurately reported, which is adversely effecting my creditworthiness. 
XXXX XXXX with account number XXXX the first late payment listed on this account is wrong and you need to remove this account. 
XXXX with account number XXXX I paid on time but you're listing me as late - you need to update to paid as agreed. 
XXXX with account number XXXX I paid on time but you're listing me as late - you need to update to paid as agreed. 
XXXXXXXX XXXX XXXX  with account number XXXX Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed XXXX XXXX with account number XXXX Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed XXXX with account number XXXX Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed XXXX XXXX with account number XXXX the first late payment listed on this account is wrong and you need to remove this account. 
Under the Fair Credit Reporting Act : 15 USC 1681 Section 602 guarantees my right to privacy. This ensures the confidentiality of my credit report and mandates that information on it must be reported in a way that is fair and accurate to protect the consumer 's privacy.

15 USC 1681 Section 604a Section 2 stipulates that a consumer reporting agency can not furnish a report containing information on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living without the consumer 's written instructions.

In light of these provisions, I challenge the authenticity and validity of the late payments recorded on my account and request your agency to produce evidence or documentation that validates this reporting in accordance with my written instructions.

Moreover, in alignment with 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless they have adopted reasonable procedures designed to ensure that each periodic statement contains the required information.
Product: Credit reporting or other personal consumer reports

I recently checked my credit reporting profile. There are unauthorized accounts that need to be removed as soon as possible. I have no given any consent for the following accounts and inquires to be reported to my credit report. They are in violation of my consumer rights. I am human there is no 3rd party involved. I have filed and reported with FTC, XXXX, and Texas Attorney General.
Product: Payday loan, title loan, or personal loan

On Tuesday,  XXXX   XXXX ,   XXXX  . I received via email a solicitation for an  Express signature loan with BBVA.  I went ahead and filled out the information, requesting  XXXX  for debt consolidation. I was immediately approved and given the option to choose the length of the loan, payment due date for automatic debit and it also provided the interest rate. After I viewed that page it another page came up stating for me to take my loan details to a branch to finish and have disbursement completed. Well I put in my zip code and there is not a BBVA branch within  100  miles of my location which is  XXXX . I contacted customer service immediately and explained the situation. They also saw where I was approved for the loan but also stated the same thing the closes branch is  a 5 hour drive for  me. The person I spoke to that day requested my phone number and stated her and her supervisor where going to reach out to a branch and see if the paper work could be sent by mail or even for me to sign electronically. I said perfect. I did not hear back from them all week. I contacted BBVA again on Monday  XXXX   XXXX . Explained everything to a new person. she did see all the notes and tells me I can open a checking account with them and then they could just transfer the money of the loan into that, I aid perfect if that 's what 's needed no worries. We went ahead and opened the checking account with the rep on the phone. She places me on hold and came back several times stating that was not working either, That the fulfillment team was trying to transfer the funds into the checking account but it needed my signature. I explained again I have no problem going to a branch there is just none by me. So after being on the phone for abou t 2 ho urs they stated they needed my signature, so after being approved for the loan, opening up a checking account I do not need I still can not get my funds for the loan. I really do need this loan to consolidate my bills.
Product: Credit reporting or other personal consumer reports

This complaint is being filed because the XXXX CREDIT CARD ISSUER XXXX and another entity on XXXX XXXX behalf did not address the issue raised or justify the legality of their actions under applicable federal law. 
As my previous complaint stated, I believe the reporting of my non public information violates 15 U.S.C. section 6809 ( 4 ) under the Gramm-Leacch-Bliley Act, which governs the sharing of NPI by financial Institutions . Specifically 1. Improper Disclosure of Nonpublic Personal Information : Nonpublic personal information includes account balances, payment history, and transaction details. while the GLBA permits limited sharing of such information under specific exceptions, their privacy notice and subsequent actions fail to demonstrate that the sharing complies with these exceptions. Additionally Failure to Provide an Opt- Out Option : Under the GLBA, financial institutions are required to provide consumers with a clear and conspicuous notice of their right to opt out of certain information- sharing practices. Their privacy policy does not provide any mechanism or instructions for opting out, as required by law. That omission is a significant concern, as it deprives me of my right to control how my personal information is shared with third parties. FCRA and Accurate Reporting : Their response cited the contract holder agreement and privacy policy as justification for sharing my XXXX. However, no contract can supersede federal law. Furthermore, I believe their reporting practices fail to meet the accuracy standards required under the Fair Credit Reporting Act. I request clarification on the steps taken to ensure compliance with these standards. Inadequate Privacy Policy Transparency : Their Privacy Policy, while outlining potential sharing of XXXX, does not adequately disclose how the institution ensures compliance with federal privacy laws, particularly in relation to reporting to credit bureaus.