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

In accordance with the Credit Reporting Act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written permission. 

Reporting a late payment on credit report. 
Account # XXXX was also being review cause of the changes to the account. XXXX XXXX agreed to a new term for my loan and I have to cover the month of XXXX first in order to do so. I attached files.
Product: Credit reporting

SEVEN/TEN YEAR RULE UNDER FCRA GUIDELINES - REMOVAL OF TRADE LINESThree new decisions - XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ; and XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( ordered depublished XXXX XXXX, XXXX ) - have changed, clarified, or confused ( depending on your point of view ) the legal landscape in California as to the legal obligations of so-called " furnishers '' who furnish credit-related information concerning consumers to credit reporting agencies. These cases address the obligations of furnishers under federal and state law to supply accurate information, as well as a furnisher 's obligation to " reinvestigate '' a consumer 's dispute. These cases also indicate that, for the time being at least, a heretofore unrecognized private right of action exists under Civil Code 1785.25 ( g ) and 1785.31 for failure to accurately report credit information in violation of 1785.25 ( a ). An understanding of the relevant history is important before one can properly evaluate the current state of the law and the XXXX decisions. 
The Original FCRA Legislation Applies To Credit Reporting Agencies OnlyThe Fair Credit Reporting Act ( FCRA ), found at 15 U.S.C. 1681, et seq., was originally enacted in XXXX. The express purpose of the FCRA was to require that consumer reporting agencies adopt and implement " reasonable procedures '' for ensuring that credit information about a consumer was collected, maintained, and dispensed " in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information ... '' FCRA, 15 U.S.C. 1681 ( b ) ; XXXX ( XXXX ) XXXX XXXX XXXX, XXXX S.Ct. XXXX, XXXX. The Congressional findings noted that " [ t ] here is a need to insure that consumer reporting agencies exercise their grave responsibilities with of fairness, impartiality, and respect for the consumer 's right to privacy. '' FCRA, 15 U.S.C. 1681 ( a ) ( 4 ). However, the credit bureaus do not follow through with any methodology a system that automatically removes an antiquated credit trade line, which leave creditors in control to remove a negative trade line at a later date by simply re-aging the trade line payment history. 
Notice that a positive trade line can be maintained for a ten year timeline from the credit procurement after the account has been closed out. The ten year timeline carries from the date the credit trade line was first reported to a credit reporting agency, or from the date of procurement of the debt. 
I demand the above referenced credit trade line removal based upon the passing of the seven/ten year timeline. And I maintain that there is no further relevancy to the debt being posted under FCRA guidelines. The above-referenced state cases show that the accuracy of credit reporting carries into state court cases as well, whereas a creditor can be brought up on serious civil charges outside of federally protected jurisdictions under FCRA.
Product: Credit reporting or other personal consumer reports

This is my fifth 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX AL XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$670.00} XXXX XXXX Balance Owed {$310.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXXXXXX Balance Owed : {$4000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$380.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$850.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$650.00} XXXX XXXXXXXX XXXX XXXX : {$1900.00} XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX Balance Owed : {$650.00} XXXX XXXX XXXXXXXX Balance Owed : {$850.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$650.00} XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$420.00} 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 XXXX XXXX
Product: Debt collection

This collection company is calling me daily sometimes multiple times a day and leaving threatening messages. They are asking for my adult son who has not lived here for over XXXX  years and I do not have contact with. I have repeatedly told them that they have the wrong number and to stop calling.
Product: Mortgage

Although many foreclosure attorneys representing banks are of the opinion that bill " XXXX '' favors banks by speeding up the foreclosure process, in actuality not only requires more paper work but also serves to prevent fraudulent lenders from filling frivolous complaints. XXXX XXXX XXXX ( XXXX ), requires that lender seeking a lost or destroyed note must attached a copy of a certification to the complaint " Under penalty of perjury '' The certification must detail a clear chain of all endorsements, transfers, or assignments. SPS failed to comply with this STATUTORY REQUIREMENT. SPS used a certification of lost note at trial which failed to meet the statutory legal language " Under Penalty of perjury ''. Therefore the affidavit is useless in the face of the law. Their affidavit failed to provide a detail chain of endorsement and assignments. See the list of documents filed before trial and used for the purposes. None of the documents filed in court have any legal enforcement whatsoever. See the list of docs attached herein for your review. The lost note affidavit never mentioned the word " Under Penalty of Perjury '', nor the assignment was ever recorded, nor the loan modification ever valid because the stamps and intangible were never paid and therefore not valid in the state of XXXX or with any legal " ENFORCEABILITY " IN ANY CIVIL COURT ROOM WIHIN THE ENTIRE STATE OF XXXX. Action is hereby required from the Consumer Financial to act, sps has engaged in a multitude of fraudulent documents without having any rights or enforcement on the face of XXXX XXXX. yes ladies and gentlemen, sps is the one of the biggest fraudulent financial predators out there! The question we have to the consumer financial Protection is WHEN ARE YOU GOING TO ACT? Don't just stand there, act!!!! The passage of time does not make void documents legit!!!!!
Product: Checking or savings account

On XX/XX/XXXX, I noticed an unauthorized amount of & XXXX from my checking account. I do all of my banking by electronic payments and immediately went into my XXXX Ohio branch. XXXX, one of the advisors there closed the compromised account and opened a new one. ( Closed account is routing number XXXX account number is XXXX ). New opened account number is ( routing number XXXX, account number is XXXX ). Thru bank error, and they even admitted this, my electronic payments were made from both accounts causing the closed account to be overdrawn. Subsequently, a direct deposit paycheck from XXXX XXXX XXXX in the amount of XXXX was attached by the bank to cover overdraft. All of my electronic payments/merchants were paid twice in XXXX. Included in one of those electronic payments was my truck insurance to XXXX and it was rejected because the bank sent it to the old, closed account. This in turn got my insurance cancelled on XX/XX/XXXX. On XX/XX/XXXX while at a doctors appointment, some unknown person damaged the passenger mirror to my XXXX XXXX XXXX XXXX XXXX XXXX truck and the estimate was {$1000.00}. I filed a claim with my insurance agent and the information was passed along. On XX/XX/XXXX I received an email from XXXX saying I had no coverage from XX/XX/XXXX to XX/XX/XXXX. I explained the bank error and it fell on deaf ears. None of this was my fault and I feel I am being treated unfairly for a bank error.
Product: Debt collection

A technical school I attended and completed a certificate program with in XXXX claims that I owe a debt for something which I never received any information in writing about. After two years of no contact, I was contacted by a debt collector ( HF Holdings ) via text message about this debt, of which I had not knowledge at the time. I was not given proper validation information ( the name of the creditor, the address of HF Holdings, or my right to dispute the debt, etc. ) upon initial contact or within the five day window as specified by the CFPB on this website. I initially thought this to be a scam due to the contact via text message. On XX/XX/XXXX, I was called by a representative of HF Holdings which prompted me to check my credit score, which reflected the debt. I contacted the company due to my confusion of the matter and requested information in writing, including an itemised list of charges, which the representative did not comply with. I subsequently disputed the ownership of the account on my credit report via XXXX. On XX/XX/XXXX, XXXX ruled in my favour and removed the charge from my credit report. I received no additional contact from HF Holdings until XX/XX/XXXX, when a representative of HF Holdings called me and abruptly hung up. Subsequently, HF Holdings has began to contact me again starting on XX/XX/XXXX, via phone call and voicemail and additionally on XX/XX/XXXX via phone call, voicemail and text. They also contacted my family member via phone call on the same day. I am suspicious about the legitimacy of this debt due to the methods of contact that have been employed, as well as the reluctance of HF Holdings to provide me with information in writing about the debt, which I requested on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investi
gation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting or other personal consumer reports

I submitted this complaint again to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX  Account number : XXXX, XXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX  Account number:XXXXXXXX XXXX  Account number:XXXX XXXX XXXX Account numberXXXX, XXXXXXXX XXXX Account numberXXXXXXXX XXXX XXXX  Account number : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I paid XXXX to XXXX  XXXX XXXX  for credit card and then the account was closed. They then said it wasn't paid and sent it to collections
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX XXXX ), Account : XXXXXXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX ) Account : XXXX ( XXXX XXXX ) Account : XXXX ( XXXX XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : 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 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C. 1681 C. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, 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 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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. The personal information of my consumer report has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
My only name is XXXX XXXX XXXX My only SSN is XXXX My only address is XXXX XXXX XXXX XXXX XXXX MI XXXX There are multiple socials on my consumer report please remove them. 

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 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  The bankruptcy on my consumer reports should be removed because XXXX XXXX has already deleted it from their report and any accounts attached to it. 

15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make aany 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 7 years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to 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 : Dispute of Unauthorized Hard Inquiries on Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/XXXX Social Security XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX To Whom It May Concern, I am writing to formally dispute unauthorized hard inquiries that have appeared on my credit report. I did not authorize these inquiries, and they are negatively impacting my credit score. Despite previous attempts to resolve this matter with the credit bureaus, these inquiries remain on my report. 

The disputed hard inquiries are as follows : XXXX. XXXXXXXX XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Issue : I did not apply for credit with this company, and I did not authorize this inquiry. 

XXXX. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Issue : I have no relationship with this creditor and never consented to this inquiry. 

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 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 Hard Inquiries ) [ 15 U.S. Code 1602p ] Under the Fair Credit Reporting Act ( FCRA ), hard inquiries require my explicit authorization. Since I did not authorize these inquiries, I request their immediate removal from my credit file. 

I have previously contacted the credit bureaus regarding this matter but have not received a satisfactory resolution. As the Consumer Financial Protection Bureau has taken action against credit bureaus for inadequate dispute handling, I am now escalating my complaint to your office for investigation and enforcement. 

Enclosed are copies of my credit report with the unauthorized inquiries highlighted, as well as any supporting documents. I kindly request that you take action to have these inquiries removed and ensure that the credit bureaus comply with federal regulations. 

Please acknowledge receipt of this dispute and inform me of any further steps required. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I filed a complaint with the cfpb concerning a mortgage loan application ID for complaint : XXXX against Huntington Bank. XX/XX/2021. 
I received an email from a law firm containing a letter stating I am to " Cease and desist order '' from entering into any Huntington Bank Branch Office or contacting / speaking to Huntington personnel '' I called leaving a message for the attorney, XXXX XXXX on XX/XX/2021 She called me back and I explained that Huntington is our bank and our direct deposit Social Security XXXX and VA compensation checks go there and our Bills are auto paid out of our accounts. I said, " We have to have access to our accounts ''. She declined to listen any further and ended the call. 
I assume Huntington Personnel from the mortgage loan department contacted the Huntington legal team after the found out about my filing the complaint against them with the cfpb. I'd also like to note that the attorney, XXXX XXXX insisted I had made threats against staff and when I confronted her on that statement she changed her wording to say " I acted unprofessionally with my comments in phone calls and emails. '' I replied, " No. it the loan people handling my loan who acted unprofessionally by screwing up my loan 9 consecutive times and then blew me off without correcting the problems ''. 
The Huntington Bank and their Law Firm have unjustly blocked us from accessing our banking accounts at branch offices and from doing our usual banking needs for daily life. They did this, in my opinion, as a form of retaliation for my having filed complaints against the horrific way they treated us when applying for our mortgage loan. They are at this point literally holding our money/bank accounts hostage. They've placed us in a situation of not accessing our financial banking abilities and doing daily banking needs. 
I explained the XXXX XXXX, attorney, I had only had contact with mortgage loan staff at the Saline Branch and there are many other branches I could go to besides the Saline Branch. That was my attempting to compromise. That's when she discontinued our telephone call. Point of interest : XXXX XXXX, stated, after I pointed out there had not been any threats made to anyone, She said, " I used unprofessional communication ''. That more-or-less amounts to saying that I voiced my opinions and detest for in which the way they mistreated us during our loan process. IT DOES NOT CONSTITUTE a blocking of access to our Bank Accounts in a branch office. As I stated " I told XXXX XXXX I didn't need to use the XXXX Branch but I did need to use on of the other Bank Locations. This is another example of badly the Huntington Bank personnel are treating us. IT IS DISCRIMINATION and VIOLATES OUR CIVIL RIGHTS and the RIGHTS OF taking advantage of TWO XXXX PERSONS. They have violated our right to do fair and honest banking.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my XXXX credit report on Sunday, XX/XX/XXXX, I noted two items which do not belong to me and which I think may be related. 

1 ) There is a home address listed that does not belong to me because have never lived in the XXXX. Please remove this misinformation from my credit reports. The incorrect listing is : XXXX XXXX Former Address XXXX XXXX XXXX XXXX NEW YORK XXXX 2 ) There is a credit debt listed by a company with a {$830.00} debt listed I do not recognize but has the same address of one I do. Please remove this misinformation from my credit reports. 

The unknown credit card company and balance is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ N/A Charge $ USD XXXX XX/XX/XXXX The known and acknowledged card company is called XXXX  for a debt of {$810.00}. I paid that debt in full in XX/XX/XXXX. Its listing ( twice for some unknown reason ) is : XXXX XXXX XXXX XXXX XXXX, NJ N/A N/A USD XXXX XX/XX/XXXX A third error is with Capital One. After I paid my account in full, the bank closed my account and reported a derogatory comment. I have a XXXX balance and will never, ever do business with Capital One for its treatment of me both when I had my car financed by it ( which I subsequently refinanced at another financial institution prior to this transaction and since also paid in full ) as well as this credit card listed below. The error is that I owe it money which I DO NOT! 
CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT N/A Account closed by credit grantor $ USD XXXX XX/XX/XXXX I would appreciate these errors being removed from my credit histories. If you have questions, feel free to call me at XXXX. Thank you, XXXX XXXX XXXX XXXX