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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and are damaging my credit score. Upon reviewing my credit report, I found several violations of FCRA, FDCPA, XXXXACTACT, TILA, RESPA, ECOA, and FCBA. Specifically, I am disputing the following accounts : XXXX XXXX XXXX Account Number XXXX This account was reported as a late payment, which is inaccurate. I have never missed a payment with XXXX XXXX and have always made payments on time. This report is in violation of the FCRA. 

XXXX XXXX XXXX : Account Numbers XXXXXXXX XXXX  XXXX These accounts were reported as charge-offs, which is also inaccurate. I have never received any notification from XXXX XXXX XXXX regarding any delinquent payments or charge-offs. This report is in violation of the FCRA and FDCPA. 

XXXX : Charge Off Account I do not recognize this account and have no knowledge of it. I believe this account was opened fraudulently, and I am disputing this report as a violation of the FCRA and FACTACT. 

XXXX XXXX  : Account Number XXXX This account was reported as a charge-off, which is inaccurate. I have always made my payments on time and have never received any notification of delinquent payments or charge-offs from XXXX XXXX. This report is in violation of the FCRA. 

XXXX - XXXX XXXX : Account Number XXXX This account was reported as a charge-off, which is also inaccurate. I have never received any notification from XXXX XXXX XXXX Service regarding any delinquent payments or charge-offs. This report is in violation of the FCRA and FDCPA. 

I am requesting that these items be removed from my credit report as soon as possible. I am also requesting that you provide me with written confirmation of the removal of these items and a copy of my updated credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXXXXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, XXXXXXXX XXXX XXXX XXXXXXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, TD AUTO FINANCE add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

XXXX is reporting 2 tradelines to all 3 of my credit bureaus and they are paid off and have a {$0.00} balance, this has been on my report for more than 8 years and they are refusing to remove it as agreed upon by the FCRA
Product: Debt collection

I previously filed a complaint ( complaint ID XXXX ). This is my original complaint : " Beginning XXXX XXXX, I have received calls daily until XXXX XXXX today, XXXX XXXX. The calls are from phone number XXXX, Sequium Asset Solutions. I am not the person they are trying to contact. I have spoken to them twice to confirm this and they confirmed I am not the person they are attempting to contact. I was told by both employees that my number would be removed from their contact list. It has not been removed. My next step is to contact an attorney. '' The company responded with an apology and stated they had removed my number from their system yet I am still receiving calls multiple times daily and have informed them they have the wrong number. The reason for this is the company removed the wrong number. The number they removed is XXXX. My number is XXXX. I will be forwarding all of this information to my attorney because this is totally unacceptable and I plan to seek damages.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

This is in reference to : XXXX XXXX XXXX Account : XXXX Balance due : {$800.00} XXXX trust this message finds you well. I've been reviewing my credit report and came across some information that raised a few questions. In my exploration, I delved into the Fair Credit Reporting Act, specifically 15 USC 1681, section 602, which highlights the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I've been thinking about my rights and responsibilities in this context. According to 15 USC 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information. Digging deeper, I found 15 USC 1681, section 604, which outlines the circumstances under which a consumer reporting agency may furnish a consumer report. It explicitly mentions that they can do so only in accordance with the written instructions of the consumer to whom it relates. I want to emphasize that I haven't given any written consent for the sharing of my information, and this concerns me. Furthermore, 15 USC 6802 ( b ) ( c ) notes that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. To my knowledge, I have not been informed of such an option. I also stumbled upon 15 USC 1681c ( a ) ( 5 ), which states that no consumer reporting agency may make a consumer report containing adverse information without authorization. It appears that an adverse item is being reported without my permission, which, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, is against the law. The Act further mandates that consumer reporting agencies maintain reasonable procedures designed to avoid violations of the statute. Unfortunately, it seems that XXXX and Experian may not be following these guidelines, as indicated in 15 U.S. Code 1681e. Lastly, I discovered in 12 CFR 1016.7 that a consumer has the right to opt out of reporting services at any time. I'm choosing to exercise that right. I wanted to bring these specific sections of the Act to your attention and discuss how we can address these concerns. Your insights on this matter would be greatly appreciated. Thank you, XXXX XXXX
Product: Checking or savings account

After not being told that there was at least a 1 month delay in receiving debit cards that would be shipped to me after opening the account, I went into the branch where a gentleman was happy to print me a card on the spot. This was never advertised as something that would be possible, nor was I told that they were way behind on sending out cards that were ordered on their website. Upon leaving the bank with my new debit card issued, I noticed that a {$5.00} fee was placed on my account that I was never told about for issuing the card. I called into their contact center and was told that a credit would appear on my account within 3 days, but that never happened either. I have had other issues with XXXX already, but this is really the last straw for me.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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

15 U.S.C 1681 section 604 A Section 2 : 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Phone : XXXX Email : XXXX XXXX XXXX XXXXXX/XX/XXXX WELLS FARGO AUTO XXXX XXXX XXXX XXXX, NC XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Goodwill Request for Late Payment Removal Account Number : XXXX Dear Wells Fargo Support Team, I hope this letter finds you well. I am writing regarding my account number XXXX, which I have maintained with Wells Fargo since XX/XX/XXXX. Upon reviewing my credit report, I noticed a late payment recorded in XX/XX/XXXX. 

I take full responsibility for the missed payment, which was due to [ briefly explain the circumstances, e.g., an unexpected financial hardship or a temporary oversight ]. Since then, I have ensured that my account remains in good standing and have consistently made timely payments. 

Given my history with Wells Fargo and the isolated nature of this incident, I respectfully request that you consider removing the late payment from my credit report as a goodwill gesture. This would be extremely helpful to me as I work to improve my credit profile and achieve my financial goals. 

Thank you for considering this request. I truly value my relationship with Wells Fargo and look forward to continuing as a responsible customer. Please feel free to contact me at XXXX or via email at XXXX if you need further information. 

Sincerely, XXXX XXXX
Product: Debt collection

XX/XX/2019 a 93A Demand notice was sent to PR via certified mail. This notice informed PR that the account they listed on my credit report was showing illegally ( under MA state law a debt collector may not place their name on a consumer credit report, PR has listed their name in violation of this law ) and the account does not belong to me. I demanded proof of their claim as well as removal of the illegal listing. They failed to comply. 
XX/XX/2019 a second 93A Demand notice was sent to PR via certified mail requesting proof of their claim and removal from the credit bureaus. They with a statement of " request has been sent to the credit bureaus, directing them to " expunge '' any derogatory information ''. The listing was removed from XXXX and XXXX. However, it was NOT removed from XXXX. 
XX/XX/2019 a third notice was sent to PR requesting removal from XXXX. PR failed to reply and failed to remove their listing. 
As of XX/XX/2019 PR is still reporting illegally and attempting to collect upon a fabricated debt.
Product: Checking or savings account

On or around XX/XX/2020 my chime account was fraudulently used to make unauthorized purchases on my XXXX account. There was XXXX charges that totaled the amount of {$80.00}. I have had XXXX write me numerous letters stating that this was definitely fraudulent activity. I even had XXXX and chime together on a conference call hoping that this would resolve the issue but it still did not work. When i talk to chime on the phone they even agree with me that this does look like fraud but they say they cant do anything about it because its already moved to their dispute team. The last time i spoke with XXXX and chime together XXXX provided me with XXXX IP address to give to chime stating that those would show that I did not make the purchases but after sending chime the information they still refused to release my funds back to me.
Product: Debt collection

They called my nephew XXXX XXXX. They disclosed my personal information associated with my credit report and read him personal emails. The email was sent prior to the maintenance man doing a XXXX XXXX. He was told if he dont pay they were going to take further action. In addition, they did not disclose the management team was notified due to maintenance man touched me inappropriately while pregnant. I advised them, the apartment complex, of the issue and never resolved. Now they have turned over to third party to whom are disclosing my personal credit information to someone else!!!!!
Product: Mortgage

I was checking out my refinanced loan and noticed that my new loan is {$190000.00} from {$190000.00} after paying additional to my principal for the entire year. 

Ive been paying almost {$500.00} to my principal and had an outstanding balance of {$180000.00}, according to my statements. 

Where did my {$4500.00} go that I paid to my principal? 

My loan officer said that only {$640.00} in closing costs would be rolled into the loan and no other mentions of costs for me. 

I was rushed by my loan officer to complete my refinance and had an overall poor refinance experience due to the loan processing team. 

The processing team I was conversing with failed to confirm the date and time that I was to meet with the notary as well as pass on relevant information to the notary.
Product: Credit reporting or other personal consumer reports

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX {$8000.00} XX/XX/XXXX XXXX {$570.00} XX/XX/XXXX 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 XX/XX/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 have inquroea by XXXX XXXX and XXXX XXXX  I never authroize these to do a crwsit inquiry or aign up for credit with them I do not know who they are. I do not have anything at all with these businesses These I inquries are from fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently was in the market to buy a car and had my credit pulled for that purpose ONLY. To my surprise I have a " XXXX XXXX '' hard inquiry on my report as if I were buying a home. I do not know of this company nor am I affiliated. I need proof of authorization executed by me to have pulled my credit.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX and Inquiries. This has cause me great anxiety, stress, and financial hardship.
Product: Bank account or service

Discover Bank pulled a bait and switch, offering {$50.00} to open a savings account, but then failing to give me the money. I satisfied all of the requirements, but they still wo n't give me the money. I have contacted them XXXX times and they have promised me the money by a certain date twice, but failed to make good. The last time I contacted them they said it would take them XXXX weeks to research the problem. I ca n't see as how it could take them that long, given that anybody can see that I followed the rules and met the requirements. I also do n't think it 's right to tie up my money that long, when I have already met the requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

OneMain financial has already been contacted by me via USPS mail. There are still a few inquiries on my credit report. One main financial has not provided a sign contract stating that they solicited my information with my permission. Is incorrect reporting and inquiry has hindered me from receiving a mortgage, and apartment, and more in the past
Product: Credit reporting, credit repair services, or other personal consumer reports

PNC Bank sold my information to XXXX. XXXX sold my information to many mortgage brokers. For about two weeks I get over 80 calls from different mortgage brokers in a day. They use different phone numbers so there are many numbers to block. 

Around XXXX XXXX on XX/XX/2023 I submitted an application for a loan with PNC Bank. The next day I had over 80 calls from people that wanted me to borrow money from them. Some of them from the same organization. Some of them send me personal information about how much money I owed in text messages to me. They do not call me on weekends and usually don't call after hours but my phone is so busy it is difficult to use it to contact my loved ones. I am on the do not call registry with the Federal Trade Commission. XXXX has passed the information on so they can't get it back. 
The representative at PNC had the same experience. 
Everyone admits there is nothing you can do. 
A local mortgage company does not do this.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments 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 dateXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information w as mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports. 
In addition to this, there are also multiple late payments from other accounts reporting as well that should be removed immediately. 
XXXXXXXX XXXX Acct Number : XXXX XXXX XXXX Acct Number : XXXX
Product: Debt collection

I want XXXX XXXX XXXX XXXX firm ( claim to represent Discover Bank ) to drop the lawsuit and dismiss the Plaintiff 's Motion For Summary Judgment against me ( defendant ) and compensate me for over XXXX harassing cell phone calls and a letter of harassment. 
XXXX XXXX XXXX Debt Buyer/Collection Agency/Law Firm ( not the original owner ( Discover Bank sold the debt to XXXX XXXX XXXX ) filed suit against me XXXX XXXX, 2013 without properly notifying me of the lawsuit. Communication tactics after initial dispute and cease cell phone communications. False Statements or representation. Taking and threatening to take an illegal action. Attempting to seize property. Payment Protection Plan ( insurance ) suppose to pay for billed charges on the Discover Card charges due to my illness, vehicle injuries, and unforeseen financial difficulties.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' Equifax, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), 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. '' XXXX XXXX the financial institution and the Consumer reporting agencies Equifax, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, and XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.