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

I am writing regarding the above-referenced account, which you acquired from XXXX XXXX XXXX XXXX XXXX I demand the immediate deletion of this account from all consumer reporting agencies. Additionally, I am seeking a settlement amount of {$3000.00} for the harm caused by inaccurate and potentially unlawful reporting practices associated with this account. 

Please be advised that XXXX XXXX XXXX XXXX XXXX  arbitration agreement applies to this matter, given that you acquired the debt from them. As a result, I am prepared to initiate arbitration proceedings to resolve this issue if we can not come to a satisfactory settlement. I believe a fair and swift resolution is in the best interest of both parties. 

This communication is an attempt to settle this matter amicably and efficiently. I request your prompt attention to this demand. If you agree to delete the account from all consumer reporting agencies and provide the requested settlement of {$3000.00}, I am willing to consider this matter fully resolved. 

Please respond in writing within 30 days to confirm your agreement to these terms. If I do not receive a satisfactory response within this timeframe, I will proceed with all available legal and arbitration options to enforce my rights under applicable consumer protection laws.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

There is so much to say. Please see attached documents. Thank you for your help. I hope you can help. 

I have been battling this since 2015. The IRS was taking all of my money for 5 years because of the negligence of this school. I hunted down the archive for the school ( letter attached ) so I could get it to the IRS ... They returned my money. I have had enough. This school is causing a lot of students pain. We don't have anyone to fight for us. Please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, Company Inquiries : XXXX XXXX XXXX  XXXX  XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX/XXXX  XXXX  XXXX XXXX XXXX  XXXX  XXXX   XXXX  XXXX  XXXX  XXXX  XXXX XXXX XXXX   XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX/XXXX   XXXX/XXXX  XXXX/XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Consumer Notice of Fact to AFFIRM INC in regards to a collection account showing on my credit report. I have tried disputing this with them to get it removed pursuant 15 USC 1681b ( a ) ( 2 ) but they have blatantly disregarded my concern stating they can not remove it per their company policy but also claim to be in compliance with the FCRA. There is no law that states AFFIRM INC is able to or required to furnish a consumer report in my name without my permission. It is a violation of my federally protected consumer rights. Pursuant 15 USC 1681b ( a ) ( 2 ) of the FCRA states, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give AFFIRM INC or its affiliates written permission to furnish a consumer report. AFFIRM INC has shared my information without my consent. This is a violation of 15 USC 1692c ( 3 ). It states, Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I will highlight that the above statement does say " a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law ... ''. A debt collector may only communicate with a consumer reporting agency if otherwise permitted by law. The law that gives permission to communicate this information is 15 USC 1681b ( a ) ( 2 ). Pursuant 15 USC 1692a ( 2 ), The term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium.
Product: Credit card or prepaid card

Issue : Inability to set up automatic bill payments. 

History : Took out {$14000.00} credit line on XX/XX/2019 to finance XXXX  XXXX with a 3 year payment plan. Financed with XXXX XXXX, a subsidiary of XXXX   XXXX. 

Problem : XXXX XXXX bill payment platform does not allow its customers to set up recurring monthly payments over the life of the loan. This process takes advantage of consumers vulnerability of making on-time payments since they have to set up manual payments for every monthly payment period over the life of the loan. 

I feel that XXXX/XXXX purposefully takes advantage of consumers to enhance their revenues by charging onerous late fees ( {$38.00} ) knowing that a significant percentage of customers will be prone to missing a payment deadline. They do offer a one-time waiver ; however the chances are significant that consumers will be prone to missing more than 1 payment deadline over the life of the loan.
Product: Credit card or prepaid card

XXXX-19 XXXX XXXX XXXX is what the customer service number appears to be ... they answer as XXXX XXXX however this number is a scam or fraudulent ... they are advertising {$100.00} to be spent at any major retailer ... for just {$4.00} The correct XXXX XXXX number is XXXX ... the above number needs shut down ... I have closed my credit card and spoke with XXXX XXXX   and made a complaint with their department as well
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for a personal loan from Discover. I spoke to XXXX, she offered 4.99 % interest rate. I am attaching the picture of the flyer they sent me where I wrote down name of agent, date, amount, & interest rate. I called today for the XXXX time to get a solution to this problem to no avail. My account is : XXXX Name : XXXX XXXX XXXX of birth : XX/XX/XXXX Address : XXXX XXXX XXXX. 
XXXX, NJ XXXX XXXX : XXXX XXXX : XXXX Discover 's tel. # XXXX Address : XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX
Product: Checking or savings account

On XX/XX/2020 I had an account balance of over $ XXXX and a payment of {$730.00} labeled " Temp Adj For Covid Stimulus Pymt Access '' was deposited into my Santander checking account. I tried to call the bank several times to figure out where this money was from but their phone lines were so backed up after 30 minutes of holding it would just hang up ( I tried a few times ). I own a small business and have applied for several of the small business disaster loans since Covid 19 has halted my business ( XXXX  XXXX, mostly XXXX  XXXX  ). Ultimately I figured this was part of the Stimulus package from either the Federal Government or my state ( RI ) and carried on. Then on XX/XX/XXXX at XXXX I received an email from Santander bank explaining that the bank had deposited these funds into my account and any account that was overdrawn in order to make sure folks had " full access '' to their government stimulus checks. I DID NOT HAVE A NEGATIVE BALANCE, I DID NOT CONSENT TO RECEIVING THESE FUNDS. And now weeks later ( when it's likely the funds have been used because I'm essentially unemployed due to COVID ) the bank conveniently lets me know they'll be taking these funds back?? This is one of the most predatory moves I've ever seen from a financial institution. Folks should have been notified BEFORE funds were deposited and had a choice to OPT OUT. To dump funds into accounts of folks who are clearly struggling and not tell anyone that it's actually going to be snatched up again in 30 days coincidentally allowing Santander to collect who knows how much more money in additional overdraft fees???????
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair 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 agency can not furnish a account without my written instructions.
Product: Debt collection

Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a Medical Creditors Validation letter with HIPPA requirements to Account Resolutions Services. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was never validated by Account Resolutions Services. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of Account Resolutions Services.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$8200.00} XX/XX/XXXX XXXX XXXX {$72000.00} XX/XX/XXXX XXXX XXXX  XXXX {$2300.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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

This morning, I was shocked to see inaccurate accounts listed on my credit report, and I have no clue why this has happened. I check my report regularly, and everything has always been accurate until now. I even refreshed my browser, thinking it might be a glitch, but nothing changedthe errors are still there. Im pleading for the documents Ive sent to be reviewed thoroughly so that I can put this nightmare behind me for good.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to CB INDIGO/GF. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2.
Product: Credit reporting

My name is XXXX and I'm writing you about an entry listed on my credit report. Apparently someone with as similar name to mine filed bankruptcy in XXXX, NJ bankruptcy court and it appeared on my credit report. I decided to contact the bankruptcy court and they informed me that they don't provide anyone with debtor's full social security number and they don't provide any credit reporting act to report erroneous information. As you know it a a violation of fair credit reporting Act. And I'm requesting to have it removed immediately.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C 1681 Section 602 A States I have the right 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 items of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681c-2 ( A ) ( 1 ) A person shall not furnish any relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Credit card or prepaid card

I received a message from XXXX XXXX and XXXX stating my credit score dropped. Both sites gave a link to see the reason why. Both sites indicated I opened a new credit card account with Fortiva Bank. I did not apply for a credit card with Fortiva, or any other financial institution. I contacted Fortiva and spoke to a female customer service representative who had a thick XXXX XXXX. It was so thick I could not understand her without asking her to repeat herself multiple times. Her claim was that I purchased an item from XXXX a few years ago and when I elected to finance my purchase through XXXX The financing went through Fortiva Bank, and therefore they are able to send me a credit card I never applied for. I have never been an intentional customer of theirs. My purchase through XXXX was done on XXXX website at time of purchase. I paid that debt off immediately, and it was XXXX  when I made that purchase. Fortiva commits fraudulent acts by initiating credit cards to consumers without the consumers knowledge or authorization, and places the consumer in a bad situation when it comes to credit and the potential for identity theft.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several billing mistakes. The late payments listed do not align with my usual payment history.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

i sent in all different type of documents to the credit reporting agencies. like XXXX, XXXX 'S, ID, UTILITY BILLS, BANK STATEMENTS, PAYSTUBS. THEY STILL RE FEW TO REMOVE THE INACCURACIES. THE ACCOUNT ARE INCOMPLETE AND NEEDS TO BE REMOVED.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt exists
Product: Mortgage

Wells Fargo pulled a bait and switch with the mortgage process. They agreed to be an approved lender for a condo project. Obviously this required them to review all the necessary documentation regarding the condo and its HOA including insurance. 

After taking my {$560.00} and wasting 4 months of my time, they " decided '' that they no longer approved of the condo project. I was left without my initial fee, scrambling for a new mortgage lender, and finding interest rates increased. 

They tried to appease me with a measly {$200.00} ; not even half my initial deposit. I am sure that this action is a scheme to defraud applicants of their money and I do not want their predatory actions to fool anyone else.
Product: Debt collection

I've seen no changes for the accounts that I have filed last month, I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 
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Product: Credit reporting or other personal consumer reports

This account NEEDS to be showing In Dispute. I have disputed this many times and it should be showing that. Furthermore, Equifax stated this was verified by the creditor via their response on XX/XX/XXXX via CFPB, verbatim. However, they have not accurately reported said verification. As you can see, with the report as of XX/XX/XXXX, I am showing a last verified date of XX/XX/XXXX. This is negligent and inaccurate reporting to my requested investigations. If it was verified, it needs to be updated. Also as requested, if it was in fact verified, per the FCRA I would need to have received investigation results and proof of verification showing alleged late payment, but this creditor did not provide that. 

This displays at least 3 major reporting violations. I would be happy to submit an FTC report to report non compliance with federal reporting laws. 

As you can also see in the highlighted report, XXXX did not even show what month they are stating the payment was late for. This is yet another error. 
_____________ This issue that has occurred was I traded my vehicle in. The new vehicle dealer was in possession of the car as it belonged to them. I sold it to them to obtain a new vehicle. This alleged late payment is completely inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( FTC Complaint Number ), filed on ( FTC Complaint Date ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX  - XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and also Equifax data breach.
Product: Mortgage

We went to first horizon bank XX/XX/year> because we had a {$50.00} charge we were never notified of. We updated our address with them at that time and we were told our HELOC account would automatically close as we no longer wanted it open. We then got a notification from experian XX/XX/year> for an almost {$5000.00} balance on that account. When we contacted the bank we were told it is because they didnt have proof of insurance on our house but we never received any notification that they needed this since they didnt update our address like they said they would. We happily provided proof of insurance immediately and again emphasized we want the account closed. XXXX XXXX then told my husband that he already submitted the proof of insurance and that he would correct the issue and send documents for us to sign to officially close the account and none of this happened. Several days later and we now have a delinquent account notification and our credit went from excellent to fair.