23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX AZ XXXX 2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 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

I need this ( XXXX  XXXX  Account # XXXX ) account remove because its showing different dates of last activity to all three credit bureaus the dates are wrong and its just showing In accurate account info payments is also wrong and I thought by law the creditors suppose to report the right information all 3 creditors is showing inaccurate info Helvey Assoc 3 different dates and I dont have a balance so why is it still on my report & XXXX XXXX showing 3 different dates and inaccurate info as well ... I need them remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting disputing my credit file around XXXX XXXX  for inaccuracies. My file  came back verified so I ask the process of the way of verification and I never received anything  back from the bureaus.
Now the disputes were with
XXXX XXXX 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

CREDENCE RM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Notice of Violation of the Fair Debt Collection Practices Act Dear CREDENCE RM, I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. 
If you are not aware this entire claim is regulated by an arbitration agreement with The company that originated this account, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 
I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 
With that, my demands are as follows : 1. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; 2. A settlement agreement that I may retain for my records.

3. Monetary compensation in the amount of {$1000.00}.

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 
Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 : SYNCB/XXXX  # XXXX 15 U.S.C. 1681 section 602 A. States I have the right to Privacy. 15 U.S.C. 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish account without my written instruction. 15 U.S.C. 1681c ( a ) ( 5 ) Sections states : no consumer reporting agency make any consumer reporting 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 reporting agency if the person knows or has reasonable cause to believe that the information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

I dont recognize this public record so I contacted the courts and they stated that the information I gave them didnt match that I ever filed bankruptcy in their courts ; please provide proof from the court of this public record. this public record on my report is inaccurate and I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ; if this is not completed within 4 days I WILL FILE A COMPLAINT.. As a consumer by law this account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055, Law Firm Cravath XXXX XXXX XXXX XXXX XXXX, Attorney Generals Office, XXXX XXXX XXXX, State Senate, Federal Deposit Insurance Corporation, Comptroller Of The Currency, Federal Reserve System Credit and insurance, Federal Trade Commission, State Regulatory agency,
Product: Student loan

My daughter was going to XXXX when they closed their doors. I HAD Taken out ap parent loan for my daughter and it went through Nelnet as that was where my student loans are through. Both my daughter and I submitted the federal form for loan XXXX eness due to school closure. My daughters financial institution that is handling her student loans accepted it and her loans were wiped out and I have had to reapply 3 times and Nelnet keeps mishandling it and in the meantime is making me make payments and still accruing interest on the loan. Every time I contact them the answer is the same ... .I need to resubmit. I 'm frustrated and do not know what else to do. Please help
Product: Debt collection

I.C System has been reporting debt that has never been owed and was paid directly to XXXX. In addition i have tried numerous of times to have issue resolved with them however they refuse to do anything about it. They never validate debt correctly, they provide wrong information to Credit Bureaus which in return damage my credit and reputation. Most recently for the month of XXXX they have affected my credit drastically by XXXX points by double reporting- this is not the first time they have done this back in XX/XX/XXXX they attempted to do the same however they deleted one of the profiles and continued to attempt to collect for the same items that have already been paid in full. This month of November they decided to double report negative inaccurate information once again. They reported account twice in one month with Zero Change one action was done on 1XX/XX/XXXX second action was done on XX/XX/XXXX which is in violation of the FTC Reporting Act i am emotionally drained and devastated with dealing with this company and all of their illegal tactics. It seems that they are not held accountable for any of their actions.

I have already asked them to seize communication with me in addition i am ready to file a report with local police department as well as i have never owed this debt to XXXX or IC Systems.
Product: Checking or savings account

I have a checking account from Bank of America and this account was opened XX/XX/XXXX in XXXX XXXX TN. 
During account opening they requested {$100.00} for just account opening. 

I have a new checking account form XXXX XXXX and but they did not take any money for creating account, why Bank Of America took this money form me?
Product: Payday loan, title loan, or personal loan

I did not receive a loan from this company. I have tried multiple times to dispute it in order to remove it from my account. There has not been any information sent to me as a result of my dispute and the company has not tried to contact me via letter or phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit report and XXXX is displaying inaccurate credit score. My credit score should display 700, also my report is showing negative delinquent account after disputing with Experian over 15 times
Product: Credit reporting or other personal consumer reports

recently reviewed my Consumer Reports and noticed that I had a late payment reporting from XXXX when in fact I was NEVER late on that account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have NEVER been late for the account ( Creditor : XXXX # XXXX ). Please investigate and provide Proof with statements showing that this payment was late. If proof can't be provided I demand this payment be updated to ON TIME as it should be as I was NEVER late!!! 

Also, When looking at this account, I noticed that the Open Date, High Credit, Last Reported Dates and Last Active Dates, as well as Dates of Last Payment all vary between the 3 bureaus ( XXXX, XXXX and Equifax ). -- See attachment with above circled in red... 

In short, under 15 USC Section1681e ( b ) ( b ) Accuracy of Report Whenever a Consumer Reporting Agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation Thanks for your help in this matter!!!
Product: Debt collection

Affidavit of Denial XXXX XXXX XXXX XXXX OF PENNSYLVANIA COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the XXXX of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal XXXX and have personal knowledge of the facts set forth below. 

3. THIS IS NOT A DEBT VALIDATION LETTER Date : XXXX/XXXX/XXXX I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with XXXX XXXX that authorizes you to collect on this alleged debt The original non-electronic agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete non-electronic scan payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ). If your office fails to reply to this denial letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thank You, cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX
Product: Debt collection

I called the company SCA collections and asked them to update the credit report and they have not yet. Please help me to get this resolved and removed
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are : XXXX. XXXX XXXX  XXXX. - XX/XX/XXXX XXXX. XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

My XXXX  XXXX acct was just transferred to Marcus by Goldman Sachs. NO WHERE on my account is my interest rate, my available credit, nor how payments are being applied. It has virtually zero information that is required to be accessible to consumers. They are not above the law just because they're Goldman Sachs, they must have this information EASILY accessible and transparent to their customers.
Product: Credit card or prepaid card

I requested a balance transfer onto my new card, when I opened the account on XX/XX/XXXX. To this date of XX/XX/XXXX, XXXX XXXX has failed to pay off my other card, but has charged my new platinum Visa card, on XX/XX/XXXX, in the amount of XXXX for this balance transfer. The inquiries I make vary wildly and all information I'm given is conflicting and inconsistent from Navy Federal. They charged me for the balance transfer, but never paid off my XXXX XXXX XXXX balance. I spoke with my branch manager who also failed to fix the the issue. They have charged the balance transfer to my account but never paid off XXXX nor can they give me clear information about what is happening or when it will be paid off. I asked them to follow up and they refused via the call center supervisor on XX/XX/2020. They wanted to do a stop payment today, and reissue the check, aka start from square one. 

I called in again and was transferred to the " Resolutions '' department. They keep repeating what " should be, '' etc. People continue lying to me about the scenario and using inconsistent and completely differing timelines, 3-5 business days, 10 business days, 14 business days, etc. I was also lied to initially and told by " XXXX '' before transferring me to the " resolutions department '' handled NCUA complaints, then quickly found out they do not. The Resolutions agent refused to tell me other than " Upper management, '' who could help me with a NCUA/CFPB complaint. She lied and told me " they '' were unavailable and refused to let me know which department I would need to speak with. A stop payment would cause me a fee if/when XXXX ever receives the check, and I am sure Navy Federal would not hold themselves accountable for putting a stop payment and sending a bad check to XXXX on my behalf.
Product: Credit reporting or other personal consumer reports

I'm extremely distressed by the credit report I recently received! This situation is completely unacceptable. It's baffling that the government allows such blatant errors that have such a severe impact on people. I'm fully prepared to hold you accountable for your poor reporting practices if you don't promptly and accurately address this issue. To my knowledge, these accounts shouldn't even be on my file, and I have no idea where you obtained them from. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Your dissemination of this inaccurate and incomplete information constitutes a serious breach of credit reporting laws. I require that you expunge this misleading information and furnish corrected credit profiles to all creditors who have received a copy within the last 6 months, or within the last 2 years for employment purposes. Additionally, I request the disclosure of the name, address, and telephone number of each credit grantor or other subscriber.
Product: Debt collection

I owe a past due to XXXX and the credit collector, Credit Management, calls me 2 to three times a day. They r calling my cell number and never have verified if I am the correct person they seek.
Product: Vehicle loan or lease

I purchased a vehicle in XXXX XXXX, Louisiana XX/XX/XXXX and recently reviewed the contract. The contract has my name spelled wrong, and according to Louisiana Law I was supposed to pay {$15.00} for notary fee and {$35.00} for processing. However I noted I was charged {$30.00} for notary fees and {$120.00}, my down payment of {$2500.00} was added to the cost of the car and should have been subtracted. The actual cost of the car {$16000.00} would almost double after payments were completed to $ XXXX a XXXX XXXX XXXX with XXXX miles. 
I did not authorize GAP insurance and the entire contract was signed with an electronic signature which I believe was added after I left the dealership. According to the contract I have the interest rate was negotiable, the vehicle has a GPS tracker and cant be resold/traded. 
The contract was given to XXXX XXXX by the dealership, with incorrect information. XXXX XXXX has not reported correct information to the credit reporting bureaus and tried to repo the vehicle without written notification required by the state of Louisiana. I have been harassed by XXXX XXXX by daily multiple calls from different numbers, some using my local area code. After reviewing the contract I believe there were deceptive actions, false information on the contract and miscalculations of the down payment/state fees.
Product: Credit reporting or other personal consumer reports

As a protected consumer under federal law, specifically the Fair Credit Reporting Act ( FCRA ), I am demanding the immediate removal of several unauthorized inquiries from my credit report. These inquiries were made without my knowledge or consent, which raises serious concerns about identity theft or a blatant violation of my rights under the FCRA. Under Section 604 ( a ) ( 3 ), the FCRA strictly requires credit reporting agencies to have a 'permissible purpose ' to access or share my report. These unauthorized inquiries are illegal and do not fall under any permissible purpose. I expect these inquiries to be removed from my credit file without delay XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I'd like to dispute the reporting of a late payment on my credit report.I have contacted the bank regarding this late payment, and they have approved updating the account to " open/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. 
According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. Therefore, I kindly request that you update this account to reflect that it has never been late. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following XXXX, XXXX, TransUnion credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX )