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

Under the Fair Credit Reporting Act ( FCRA ), as delineated in 15 USC 1681, consumer reporting agencies, namely XXXX, XXXX, and TransUnion, are mandated to carry out their significant responsibilities with fairness, impartiality, and a profound respect for the consumers right to privacy, as per 15 USC 1681 section 602 ( a ).

As the consumer in question, I assert my right to safeguard my private information against sharing, supported by the provision in 15 USC 6801. This section underscores the Congressional policy that each financial institution, including ( Furnisher of information to credit agencies ), has a continuous obligation to respect customer privacy and ensure the security and confidentiality of nonpublic personal information.

Referring to 15 USC 1681 section 604 ( a ), section 2, it is stipulated that any consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the concerned consumer. Both ( Furnisher of information to credit agencies ), the financial institution, and the consumer reporting agencies, XXXX, and XXXX, lack my consent, which encompasses verbal, non-verbal, written, implied, or any other form, and I hereby revoke any and all such consent. 

In accordance with 15 USC 6802 ( b ) ( c ), a financial institution is barred from disclosing nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. Unfortunately, ( Furnisher of information to credit agencies ) never informed me of my right to exercise this option.

Moreover, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from making any consumer report containing adverse items of information without authorization. This account, reported as an adverse item without my permission, is in direct violation of this provision.

Under 15 U.S. Code 1681s2 ( A ) ( 1 ), it is stated that a person shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. XXXX and XXXX are not maintaining reasonable procedures in line with this requirement. 

Additionally, 15 U.S. Code 1681e mandates that every consumer reporting agency maintain reasonable procedures designed to avoid violations of section 1681c and limit the furnishing of consumer reports to the purposes listed under section 1681b. XXXX and XXXX are not currently adhering to these standards. 

In compliance with 12 CFR 1016.7, I am exercising my right to opt out of your reporting services, specifically for the following accounts : XXXX XXXX ( ACCOUNT NUMBER : XXXX ) XXXX XXXX ( ACCOUNT NUMBER : XXXX ) XXXX XXXX XXXX ( ACCOUNT NUMBER : XXXX ) XXXX ( ACCOUNT NUMBER : XXXX ) XXXX ( ACCOUNT NUMBER : XXXX ) This serves as notice of my decision to opt out. These concerns are critical and demand immediate attention to ensure compliance with the FCRA.
Product: Credit reporting or other personal consumer reports

During a XXXX background credit check, a closed XXXXXXXX XXXX  XXXX account, paid in-full is being reported as derogatory. 

Post an acrimonious divorce this account had been closed/ charged-off. Being in the XXXX XXXX, as soon as possible, I reached out to XXXX XXXX to pay the charged-off balance of {$1100.00}, XX/XX/2020. Given very few people pay-off charge-offs, I called card services and verified that the payment had been received and the account would be reflected appropriately. I was told yes. 

I feel after being forthcoming XXXX  years ago the punitive reporting of this account and the rating does not afford my record the appropriate credit -- The current reporting to future employers is negatively impacting my reputation, integrity and employ ability within the XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and dissatisfaction regarding the handling of fraudulent items on my account with Credit Bureaus. Despite reporting these unauthorized transactions promptly, I am dismayed by the prolonged delay in their removal, causing undue stress and inconvenience. 

I discovered fraudulent transactions on my account statement, which were not authorized by me. Immediately upon discovery, I notified your company 's customer service department and filed a report detailing these fraudulent activities. However, I am disappointed by the lack of urgency and efficiency in resolving this matter. 

As a loyal customer, I expect timely action to rectify such issues and protect my financial interests. The continued presence of these fraudulent items not only undermines my trust in your company but also poses a significant risk to my financial security. 

I urge you to prioritize the immediate removal of these fraudulent transactions from my account and take proactive measures to prevent similar occurrences in the future. Additionally, I request transparent communication throughout the resolution process to ensure clarity and accountability. 

Failure to address this matter promptly will compel me to explore alternative avenues to protect my rights as a consumer, including but not limited to seeking assistance from regulatory authorities and legal counsel. I am asking for your assisstance to remove or these fraud items in my credit file : 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 or other personal consumer reports

I have sent out a certified letter twice on the same thing, and they keep telling me they have finished their investigation but never send me the information I require after they finish their investigation. Under the guidelines, I have the right to all copy documents that they investigated and said I signed the contract and each one that is in my file. I have asked them when they finish the investigation to also send me a copy of my credit report. 
All my correspondence with the XXXX Credit Bureau has been through Certified Mail. I have all copies of the letters and copies of the Certified return dates and times.
Product: Debt collection

There are fraudulent inquiries on my credit report that need addressing. Kindly assist me in disputing and removing them.
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. 


FRAUDULENT ACCOUNTS : Account Name : 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 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 believe that the information is inaccurate.
Product: Vehicle loan or lease

This company gave a very high interest rate when others with very similar credit profiles were given lower rates. The only explanation for this could be discrimination. Also, there are numerous reports of this company removing late payments on customer reports based on the fact that the customer did not receive statements. I moved during my loan and did not receive statements and have requested lates to be removed. I was discriminated against and provided no help.
Product: Checking or savings account

In XXXX someone opened an account in my name with Bank of American and deposited fraudulent checks over $ XXXX, as a result BOA tried to collect funds they lost. I explained I never opened the account nor was I aware of the checks. I filed a police report and BOA conducted an investigation and closed the account. 
Due to several data breaches, I have been a victim of fraud with someone attempting to open bank accounts since XXXX. I received a notification someone tried to open a XXXX XXXX account as well as XXXX XXXX. 

In XXXX, someone also attempted to file an unemployment claim in my name and since I work in XXXX XXXX, I received the claim and contact the state of MD unemployment to also report fraud. 

At this point my credit is frozen, however I continue to deal with alerts of data breaches or someone using my name to create an account.
Product: Checking or savings account

See Attachment : Complaint Of Cherry Picking Bank Account Closing. 
Account Belonging To A Consumer Of XXXX See Attached Complaint Letter To XXXXXXXX XXXX XXXX XXXX CEO.
Product: Mortgage

For the last several years our mortgage company has delayed sending our coupon payment booklet. It is normally due to be sent out XX/XX/XXXX we didnt get it till XX/XX/XXXX before it was XX/XX/XXXX. When we call its always a hassle, to make a over the phone or online is an extra XXXX-XXXX dollars to make a payment?
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 : Account Number : XXXX Account Name : DEPTEDXX/XX/XXXX: Account Number : XXXX Account Name : DEPTEDXX/XX/XXXX: Account Number : XXXX Account Name : DEPTEDXX/XX/XXXX : Account Number : XXXX Account Name : DEPTEDXX/XX/XXXX : Account Number : XXXX Account Name : XX/XX/XXXX: Account Number : XXXX Account Name : DEPTEDXX/XX/XXXX : Account Number : XXXX Account Name : DEPTEDXX/XX/XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XX/XX/XXXX: Account Number : XXXX Account Name : XXXX XX/XX/XXXX : Account Number : XXXX Account Name : XX/XX/XXXX : Account Number : XXXX Account Name : XX/XX/XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit reportXX/XX/XXXX15 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

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2100.00}
Product: Credit card or prepaid card

In XXXX of 2015 I opened a Capital One Credit card and XXXX $ was the limit. I have never been late and its only recently that I became aware that it is a secured card maybe because I have had it so long. So I inquired about having my limit increased and returning my deposit of XXXX $ - I read many advertisements about how after six months you would be reviewed and limit increases and your deposit would be given back. But thats not the case! I was told I would have to close the card and apply for the money in deposit and no interest would be given either. So not only have they given no increases, they get to keep XXXX $ and no interest. I must be helping them instead of them helping me. I dont want to close my account and other than the items mentioned I am happy with them. Its their Platinum card
Product: Credit reporting, credit repair services, or other personal consumer reports

I.XXXX XXXXXXXX have not authorized these inquiries and have no knowledge about them.They are on my Equifax and XXXX Credit Reports.They do not belong to me and I filed a FTC ID theft report today.I want them removed asap.Thank you. 


EQUIFAX 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 recently received a copy of my ( XXXX, XXXX, and TransUnion ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX  XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include A. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I sent all 3 bureaus a XXXX dispute letter along with a copy of the state documents that show the unlawful amount that is being reported, gratefully XXXX looked into the investigation and found inaccuracy that then deleted the item off of my credit report. XX/XX/XXXX, due to being unfamiliar with the amount, I requested the collection agencys copy of a breakdown with the amount to verify it belongs to us and is as accurate as our documentation, as of XX/XX/XXXX, I have not received any word or communication. Thankfully, I made a copy of the letter and sent it into the second round of certified dispute letters on XX/XX/XXXX, again with the court documentation and Experian recently came back somehow verified when I couldnt get any feedback.. I am now still waiting for XXXX results. I am very confident, the amount Experian is reporting is violating the FCRA law with an immensely inaccurate amount throughout the years of online/over the phone/certified XXXX disputes showing proof of evidence pertaining the inaccuracy, I am requesting help to make sure all reporting is as accurate as possible. The collection account has severely damaged my husbands and I, credit history with rejected opportunities. Id be more than glad to send any evidence that is needed to get this taken care of once and for all. Thank you for taking the time to read this and I look forward to hearing back! 

Sincerely, XXXX XXXX XXXX ( XXXX : XXXX XXXX
Product: Credit card

I am having an issue getting approved and receiving pre-approved offers from Ally Financial for Ally Financial credit cards and loans. I want Ally Financial to send me pre-approved offers for credit cards and loans via XXXX XXXX, XXXX Mail or email. Full Name : XXXX XXXX XXXX, DOB : XX/XX/year>, SSN : XXXX
Product: Debt collection

I have been contacted twice by 2 different Debt Collection agencies requesting I pay {$280.00} associated with a hot check written to " XXXX XXXX '' ( now " XXXX XXXX XXXX XXXX. '' ) account # XXXX. This check was written against a XXXX XXXX bank using my name. I have never banked with XXXX XXXX. This imposter allegedly also used my SSN according to the Debt Collection agency, which is Diversified Recovery Bureau LLC. According to the Debt Collection agency, this imposter also used this email address " XXXX '' with their transaction -- which is not an email account I have ever owned in my name or used. Furthermore, this imposter worked at a construction company ( can't recall the name they provided ) which I have also never worked at. 

This is not my debt and I refuse to pay the debt of someone using my name and SSN. 

My understanding is this transaction took place sometime in 2014. The first time I am hearing of this matter was by being contacted by the 2 collection agencies. 

I have responded to both companies ( via phone when contacted ) confirming this is not my transaction and that I would be reporting this as fraud. I have email correspondence from the most recent discussions with Diversified Recovery to document the above, as well as attached herein.
Product: Credit reporting, credit repair services, or other personal consumer reports

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} 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. 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 a 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 or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines UPGRADE INC ACCOUNT NUMBER XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data.

My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter.

Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files.

Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights.

Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Debt collection

This original company was aware of identity theft due to my military status. After agreeing to REMOVE the negative debt since I never applied for it, they charged it off and the collection company continues to reage the debt resale and has damaged my militaryservice record and hurt my credit. The debt is NOT mine. I have requested copies of original contract, proof of legal right to collect and proof of verification method nothing has been given to me. 










PERMANENTLY REMOVE-off my credit report pay damages in the amount of {$5000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying Experian to removed this innacurate information from my credit and still reporting this inaccurate information in todays XX/XX/23 report number XXXX showing in my report XXXX XXXX account number XXXX amount {$1400.00} collection management co account XXXX amount {$1400.00} This XXXX company are claiming the same account and im tired that I have to send letters to Experian and still on my credit
Product: Student loan

I applied for IBR and was told on the federal website that my payment would by {$120.00} total. Navient bills me nearly {$200.00} between 2 statements. No one can explain why the difference and they acknowledge that it does n't sound right when looking at the income information. I had similar income and paid right around the {$120.00} IBR amount when my accounts were serviced by XXXX. Each time I complain that it is wrong and I ca n't pay the invoiced amount, they put the account on a " hold '' or deferment and that only adds to my balance and is n't a solution. Last time I spoke with them they suggested I consolidate my loans to get a lesser payment, but ca n't tell me what that payment would be or why refinancing in a consolidation ( which I do n't want to do ) will help. I have never had anyone at Navient be able to explain why they are not honoring the information I received on the federal webpage when I applied for IBR. I feel like they are trying to increase my balance and force me into default. I 'm sure this is a mistake on their part and they wo n't correct it.