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

Subject : Formal Complaint Regarding Unauthorized Credit Inquiries and FCRA Violations by Credit Reporting Agencies Complaint : Upon reviewing my credit report, I discovered the following unauthorized inquiries : EXPERIAN XX/XX/year> XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for credit or authorize these companies to check my credit report. These inquiries were made without my consent, in violation of the Fair Credit Reporting Act ( FCRA ). I am requesting immediate removal of these fraudulent inquiries from my credit reports. 

Request for Action : Immediate Removal of Unauthorized Inquiries : These inquiries were made without my authorization. I request that the credit reporting agencies immediately remove all unauthorized inquiries listed above from my credit report.

Compliance with the FCRA : Under the FCRA, the credit reporting agencies and creditors are required to ensure that the information on my credit report is accurate. The unauthorized inquiries on my report violate this provision, and I demand compliance to maintain accurate and fair reporting.

Stop Collection Activities : I request that all collection activities related to any fraudulent accounts tied to these unauthorized inquiries be stopped immediately. 

FCRA Violation - Permissible Purpose : According to FCRA Section 604, a company must have a permissible purpose to access a consumers credit report, such as my explicit authorization or a credit application initiated by me. These inquiries were made without such permission, and I believe this is a clear violation of the FCRA.

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate these unauthorized inquiries and hold the credit reporting agencies and any related companies accountable for violating the FCRA.

Requested Resolution : Immediate removal of all unauthorized inquiries from my credit report. 
A full investigation by the CFPB into this violation of the FCRA. 
Ensure that the credit reporting agencies comply with the FCRA to maintain accurate information. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy and legality of the information contained in my credit report maintained by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, I have not provided written consent for your agency to furnish my information to third parties or obtain my consumer information. 

Upon reviewing my credit report, I discovered that your agency has included information without my explicit consent. As per the FCRA, it is imperative that consumer reporting agencies obtain written consent from individuals before furnishing their information to third parties. I have not provided such consent, and therefore, the inclusion of this information in my credit report is in violation of my rights under the FCRA. 

I demand that your agency promptly investigate this matter and remove any information that was reported without my written consent. Additionally, I request that you provide me with documentation demonstrating that you obtained written consent from me to furnish my information to third parties, as required by law. 

Failure to comply with this request will result in further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies available under the FCRA. 

I expect your prompt attention to this matter and confirmation in writing that you have taken appropriate action within 14 days of receipt of this letter. 

Thank you for your cooperation in resolving this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is currently attached to a loan that I did not agreed to or sign for. My signature is not on the promissory note they have on file. I filled out a Fraud packet with XXXX XXXX XXXX and they rejected it to stall the process. I have spent over 2500 hours of phone time with XXXX over the past 11 years and they still refuse to deal with the matter. Bank of America is the originator of the loan. They took my information from an account I had with them and attached to a loan. They sold it to XXXX XXXX XXXX and now XXXX XXXX XXXX. I continue to have my credit affected and I need the matter resolved. This is my 12th CFPB Complaint about the matter and still nothing is done. I have contacted two state governors and two state AGs but they pass the buck to the CFPB.
Product: Credit reporting or other personal consumer reports

I checked my credit report this morning and was stressed out because I don't know why inaccurate accounts are showing up. Please kindly check the documents I've sent regarding this.
Product: Credit reporting or other personal consumer reports

To whom it may concern, After recently obtaining my credit report, I have reason to believe that there are inaccuracies being furnished on my credit report. XXXX has found that the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

According to 15 USC 1681e ( b ) Compliance procedures accuracy of report ; ( 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. 

Reasonable procedures have not been followed by the credit reporting agencies ( Experian, XXXX, and XXXX ) and any third party affiliates ( XXXX XXXX XXXX XXXX ) because there are inaccurate late payments being furnished on my credit report. 
This is backed by 15 USC 1681a ( 2 ) ( A ) ( i ) Exclusion. 
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. If a payment or a late payment is a transaction, it has no business being furnished on my credit report because XXXX does NOT allow it, regardless of any company policy. A Transaction includes cash withdrawals or deposits, checks, online payments, debit card charges, wire transfers and loan payments .This will also include any transaction balances being furnished on my report. 

Also, under 15 USC 1666b- Timing of payments ; ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

To ensure that maximum accuracy is maintained on my consumer report, the reporting inaccuracies shall be removed from my consumer report immediately.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear AFFIRM INC, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri Revised Statutes, specifically Section 570.223, which covers identity theft.

It has unequivocally come to my attention that AFFIRM INC has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri law, under Section 570.223 of the Missouri Revised Statutes, emphasizes the gravity of unauthorized access and misuse of personal information, particularly in cases of identity theft and fraud. This statute further underscores the importance of ensuring that consumer information is handled lawfully and only with proper consent.

I assert with unwavering certainty that I have not provided consent for AFFIRM INC of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and a clear disregard for federal and state laws. 

I demand, with the utmost certainty, that AFFIRM INC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws under Missouri Revised Statutes Section 570.223 .

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that AFFIRM INC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning XXXX/XXXX/XXXX, and subsequently on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX, I mailed notarized and certified handwritten letters to the 3 Credit Bureaus. Requesting verifiable proof of the following accounts on my credit reports. Acct # XXXX, reported by XXXX XXXX, unverified late payment. Another Acct # XXXX, reported by XXXX XXXX, unverified late payment, and Acct # XXXX, reported by XXXX, unverified late payment. For 3 months now I have been disputing these items. However, they have failed to provide me with ANY physical documentation or verifiable proof that I requested under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Nor the method of verification as required under Section 611 ( a ) ( 7 ). Otherwise, anyone could electronically respond with a fraudulent account resulting in an inaccurate credit reporting. 

Experian and XXXX continues to violate the Fair Credit Reporting Act, failing to provide the verifiable proof I am requesting. Instead, they ask that I submit another dispute only to stall and delay for another 30 days to only reply that the inaccurate information was verified. XXXX however, will not even respond. I called XXXX and they informed me that they were responding through email with the results of their investigation. The problem with this is that I 've never given them an email or corresponded with them through email. So who knows where they are sending my personal information. Even after bringing this to their attention and asking that they only contact me through mail, they continue to communicate through emails that I am not even aware of. I 'm requesting XXXX Experian, and XXXX to promptly remove the inaccurate and derogatory information on my credit report under Section 611 ( a ) ( 5 ) of the FCRA since after almost 90 days, they have been unable to provide me any verifiable proof. 

For example, on my credit report, XXXX shows that I am current on all payments and one month later I am 90 days late? Yet, the credit bureaus have done nothing to help resolve these issues. Instead, they have been using third party electronic systems to send an automatic response that things like this are verified. 

Due to their neglect and unwillingness to resolve this matter, I have suffered financially by not being able to obtain credit, and has caused strain on my relationship with financial institutions and mental anguish. I am requesting a settlement of {$1000.00} for each of the accounts that each Bureau has reported deliberately and incorrectly and that they immediately removing and correcting all items within my credit report that they have not veried through physical verification and method of verification in accordance to the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate dispute. This is a factual dispute in regards to XXXX XXXX 's reporting of the accounts opening date to XXXX, XXXX, and Equifax. XXXX has my opening date as XX/XX/XXXX ;  whereas, XXXX, and Equifax cites the opening date to be XX/XX/XXXX. This may be minor, but since it is inaccurate it can no longer be reported on my credit.
Product: Credit reporting or other personal consumer reports

I Disputed the negative accounts in my report. those are not mine, some of them were re inserted. XXXX, kindly remove these accounts as soon as possible. 

XXXX XXXX account number XXXX date opened XXXX XXXX, XXXXXXXX XXXX XXXX account number XXXX date opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX account number XXXX date opened XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit card was paid in full and account closed. But credit card has not yet updated credit report to reflect paid in full as of XX/XX/2024.
Product: Mortgage

Escrow Payments aren't accurate as property taxes are lower. Lakeview was conacted via phone and email multiple times and haven't fixed the issue. They claim they are working on it but it has been 4+ months. 

They recently sent notice that they are now raising escrow ( again with wring property tax # 's )
Product: Student loan

I have Parent Loan and have tried again and again to lower the payments by every option Navient offers. They consistently recommend Forebarence rather than lowering the payments based on income. My income has dropped by more than 50 % since we took out this loan for our son and now the amount is astronomical Started at $ XXXX in XX/XX/2006 now it is $ XXXX due to the {$40.00} per month late fees and capitalized interest that reach over {$2000.00} a month at times they give me and the unreasonable payment structure they demand. The only action they have allowed me to take is forbearance, which just makes the situation worse in the end. I have also repeatedly asked for proof of ownership from Navient due to the loan being transferred several times to different vendors and they have ignored my request each time.
Product: Credit reporting or other personal consumer reports

XXXX year XXXX  and XXXX XXXXXXXX  account are furnishing late payments, this is illegal! This is violating my rights as : 15 U.S Code 1666b TIMING OF PAYMENTS, as it states a creditor may not treat a payment on an account under an open and consumer credit plan as late for any purpose!

15 U.S code 1681a titled DEFINITIONS ; rules of construction-Exclusions-Except as provided in paragraph of the term consumer report doesnt include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1681 Section 602 States I have a right to privacy 15 USC 1681 Section 604 A Section 2 : it states, a consumer reporting agency CAN NOT FURNISH, an account without MY written instructions!
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 right to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX Name : XXXX XXXX  Account name : # XXXX Name : XXXX XXXX  Account name : # XXXX Name : XXXX XXXX XXXX Account name : # XXXX Name : XXXX XXXX XXXX Has violated my rights. 

I looked at my Experian report on XX/XX/year>2024 and noticed somethings are incomplete and not accurate. According to to fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681I 5 they are suppose to do this ( 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 verfied. The consumer reporting agency shall - ( i ) promptly delete that ir=tem of the information g=from the file of the consumer or modify that item of information, as appropriate based on the results of the reinvestgation, and ( ii ) promptly notify the furisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any informationrelating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

They continue to call and harass me at work and have called my manager.
Product: Credit reporting or other personal consumer reports

This is my multiple 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 XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I AM A CUSTOMER OF WELLS FARGO FOR CHECKING AND SAVINGS ACCOUNTS, ON XX/XX/2021, MY SAVINGS ACCOUNT WAS HACKED, AND A {$5000.00} WIRE TRANSFER WAS MADE TO A PERSON, WITHOUT MY AUTHORIZATION, TODAY XX/XX/2021, I RECEIVED A LETTER FROM THE FRAUD DEPARTMENT, STATING THE CASE WAS " CLOSED '', HOWEVER, THE MONEY ( {$5000.00} WIRE TRANSFER + {$30.00} PROCESSING FEE ) HAS NOT BEEN RETURNED TO ME. I CALLED THE BANK IN MEANS OF GETTING SOME HELP AND I KEPT BEING SENT TO DIFFERENT DEPARTMENTS, IN WHICH NO SPECIFIC ANSWER WAS GIVEN TO ME. AS PER MEANS OF THIS COMPLAINT, I REQUEST HELP IN BEING ABLE TO GET MY MONEY BACK. THANK YOU SO MUCH, HAVE A GREAT DAY.
Product: Student loan

Male called me from ( XXXX ) XXXX and took approx 10 seconds to respond to me saying " hello. '' He said he was calling from " Navient. '' I asked if he auto dialed my cell phone and he said " yes. '' I advised him he did not have permission to auto dial my cell phone. He then acknowledged he was looking for XXXX XXXX about his student loans. I advised him he hadn't authenticated me and just gave out personal information. 
I then asked if he was in XXXX XXXX as his caller id indicated and he stated he was not. I accused him of violating the FDCPA and eventually he hung up on me.
Product: Student loan

My name is XXXX. I have called and written countless letters to both XXXX ( Only 2 that 's showing ) about this issue of Someone else ( Ex wife ) School loans.. I had No knowledge this was even on my Credit history and I have NEVER Co-signed or agreed to pay {$30000.00} of her school loans ... .Through my investigation prior to XXXX XXXX did not show Me : XXXX of owing any school loans, which is Correct! The young lady that I spoke with said and I quote : '' I see what you 're saying XXXX, This Loan is from XX/XX/XXXX for a XXXX ( Now XXXX ) Your name does n't show up on her ( This ) acct until XX/XX/XXXX " .. I have done everything that I know to do.. She had to have forged my signature on paper or electronically on or before XX/XX/XXXX Per : Representative My information shows up on XX/XX/XXXX .... I would 've never known the month of XXXX if the Representative I was talking to did n't tell me .. I want and need all of my information attached to XXXX school loans removed and off of my credit.. I need HELP! I desperately need help.. This problem is hunting and hindering me .. Please somebody, anybody Help me.. I have Documents showing my signature if need be, if that 's needed to compare the two signatures ( Her forging my signature, if it was forged on paper ) I do n't know what else to do..Thanks in advance Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I need you to attend to the following shown items in this letter which contains data taken directly from my credit report which you have provided. 

Company Information Dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete these unconfirmed inquiries lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S. Code 15 U.S.C 1681 ET SEQ. Section 04 of Fair Credit Reporting Act Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. 

Once you have finished your investigations, send me an updated credit report to the address stated above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a dispute on XX/XX/XXXX XXXX my student load because it's closed and they also sold my account Without my knowledge and my concent.they are saying that the loaf is accurate. I don't see how when it's closed and it's been sold
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company is constantly reporting inaccurate information on all 3 credit bureaus. One bureau says open one say debt buyer then another has payment history with a report of 120 day late payment. Balance keeps going up and down. Which it should not, I have never made a payment to this company or have an open account. After pointing this information out. EXPERIAN, XXXX and XXXX is saying information is accurate. Causing my score to drop. I do not that an contract with this company. The credit bureaus are allowing them to play on my report with constant inaccuracies and no consequences. After i pointed these thing out they should have been removed not verified and updated with more inaccuracies. I want this company removed from my credit report and XXXX, XXXX and EXPERIAN to stop letting this company violate my rights. This is a violation i will pursue legal action next.
Product: Mortgage

Mortgage modification was approved and executed. Contact maintained through email and telephone. First two payments accepted and deposited. When final trial payment was made on time the payment was returned. I am concerned that this has put me past the XX/XX/XXXX final due date.