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

15 USC 1681 Section 802 of the Fair Credit Reporting Act states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy ''. XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. I, the consumer, have the right to make sure my privacy information isn't shared which is backed by 15 USC 6801, stating, " It is the policy of the Congress that each financial institute has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers ' nonpublic personal information ''. XXXX XXXX XXXX XXXX XXXX is financial institutions by definition under that title. Also, 15 USC 1681 Section 401 Section A ( 2 ) states, " 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 written instructions of the consumer to whom it relates ''. The financial institution XXXX XXXX XXXX XXXX XXXX and the consumer reporting agencies Experian, XXXX, and XXXX do NOT have my consent to furnish ANY information in regards to ANY items they are furnishing on my report and they surely do NOT have my written consent either. Any and all consent to Experian, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise- is REVOKED. 15 USC 6802 ( b ) ( c ) states, " 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 ''. I was never informed of my rights to exercise my nondisclosure options by XXXX XXXX XXXX XXXX XXXX. 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 ''. The XXXX XXXX XXXX XXXX account is an adverse action accounts reporting without my permission- which is clearly against the law. 15 USC 1681s-2 ( A ) ( 1 ) 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 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing consumer report to the purposes listed under section 1681b of this title ''. And lastly, 12 CFR 1016.7 states that " a consumer may exercise the right to opt out at ANY time ''. This is your notice that I am opting out of ALL of your reporting services.
Product: Debt collection

On XX/XX/2021 over 60 days ago I mailed a letter to this debt collector that showed on my consumer report and this company has VIOLATED ME MULTIPLE times under the FDCPA, no consent to having unauthorized use of my information or social security number is identity theft. I have tried to resolve this matter by mailing in the necessary paperwork but my request are being ignored. This debt collector has violated me under 15 USC 1692g by not validating the alleged debt as the natural consumer ONLY I can validate any debt and several other violations against me and my character. I demand this alleged debt and any of my information that was fraudulently obtained be deleted.
Product: Vehicle loan or lease

On XX/XX/year> I sent from my bank via person on the phone to XXXX XXXX at Associated Bank an extra payment of {$610000.00} ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) to be applied to the principal of my car loan. They have my money in their account but so far have not applied it to my loan. 
Account number XXXX I called several times and spoke to two supervisors who told me they would fix the problem but they have not. 
Im having problems with this bank Can you help? 
Their phone number is XXXX Thank You XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized Credit Inquiries- Request for Removal Dear CFPB, I am writing to formally dispute several unauthorized credit inquiries that have appeared on my credit reports. These inquiries were not authorized by me and need to be removed from my credit files promptly. Below is a detailed list of the unauthorized inquiries by credit bureau : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) I respectfully request that the CFPB assist in investigating these inquiries and work with the respective credit bureaus to ensure these unauthorized hard inquiries are removed from my credit reports. These inquiries negatively impacted my credit score and were not initiated by me or with my consent.

Please let me know if any additional documentation or information is required to resolve this matter. 

Thank you for your time and assistance. 

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

In XX/XX/XXXX, XXXX XXXX in XXXX, AL sent me a check in the mail in the amount of {$600.00}. If I agreed to the terms of the loan, I was to deposit the check into my bank account to activate the loan which is what I did since I was agreeable to the terms. I paid this loan in full which is reflected on my credit report as favorable. I find out much later that there is negative reporting on my credit reports from all three credit bureaus for an additional loan that I supposedly took out in XX/XX/XXXXXXXX  and never repaid it. They also reported that I took out the loan in XX/XX/XXXXXXXX  and that date of first delinquency was XX/XX/XXXX. I contacted them to let them know that this was not my loan and that I paid my loan in full. I have disputed this many times with no resolution. I even obtained a police report to attest to this fact but XXXX XXXX still refuses to remove it from my credit reports. I was told by the credit bureaus that I needed to file a complaint with this agency to have credit bureaus remove this from my credit reports once and for all which is why I am now filing this complaint.
Product: Credit reporting

Recently I refinanced my home mortgage to a lower interest rate and, because of a bonus received at work, I paid off my all other credit accounts. I included a first and second mortgage in the refinance but did not increase the overall amount owed. To my surprise, all of the credit bureaus ( XXXX, Equifax , XXXX ) lowered my score from over XXXX n XXXX ( good ) to the XXXX, XXXX, XXXX ( poor ) in XXXX! This is counter-intuitive to me. I am in better financial shape now than what I was XXXX! 
I even asked XXXX how they calculated the score. They refuse to disclose the algorithms they use to calculate the score and only provided generalities. 
This is just not fair. I am in the process of going for XXXX jobs where they may pull my credit score and it may prevent advancement in my career.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information listed on my credit report, which has led to significant harm to my credit score and financial standing. Pursuant to the provisions outlined in 15 USC 1681 b 2, 15 U.S. Code 6802, and 18 USC 8, I am seeking redress under the Fair Credit Reporting Act ( FCRA ), specifically codified in 15 U.S.C. 1681 et seq.

The inaccurate information on my credit report pertains to closed accounts previously removed from credit reports, Incorrect credit score, and added collection from unknown collector whom I do not owe. Despite my attempts to rectify these errors through this credit reporting agency, the erroneous information persists, adversely affecting my ability to access credit and financial services. 

As per the FCRA, consumers like me have the right to accurate and up-to-date credit reporting, and any inaccuracies must be promptly investigated and corrected by the credit reporting agencies. However, despite my efforts to dispute these inaccuracies, this reporting agency have failed to comply with their obligations under the law, thereby causing ongoing harm to my financial well-being. 

Furthermore, the persistence of these inaccuracies violates my rights under 15 U.S. Code 6802, which stipulates obligations with respect to disclosures of personal information, and 18 U.S. Code 8, defining the obligations or other securities of the United State.

In light of the foregoing, I am requesting that the Consumer Financial Protection Bureau launch an immediate investigation into the matter and take appropriate action against the credit reporting agency responsible for these inaccuracies. I also request that all erroneous information be promptly removed from my credit report and that I be provided with a corrected copy of my credit report at no cost. 

PLEASE REMOVE THE FOLLOWING ITEM IMMEDIATELY XXXX XXXX. 
{$240.00} Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue and ensure that consumers like me are protected from the adverse effects of inaccurate credit reporting. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Credit acceptance received an affidavit for right to recession and refuses to respond to a lawful request. They continue to report this damaging information to the credit bureaus which is a violation of federal law.
Product: Checking or savings account

I work with a business partner we buy and sell used cars, we sold a vehicle and i picked up the check from the auto auction, the check was deposited in my account by mistake he was aware of the situation and was fine with that we thought it was just going to bounce back but Bank of America took it as fraud i called to try to explain but they would not listen to me the owner of the check/ my business partner is willing to go To the bank and clear things up but they dont have any office reps i sent Bank of America documents from the auto auction showing they gave me the check and that it wasnt stolen also a notarized letter from owner of the check but they do not want to remove me from XXXX XXXX and i am not able to open up a new checking account
Product: Credit reporting or other personal consumer reports

I pay this on XX/XX/XXXX. This company is very misleading. I had to pay for deletion. They did not update my payment and they did not delete it. They have a recorded conversation telling me that this was going to be deleted once I paid and when I called back, it was a different story And plus they did not update it
Product: Debt collection

I sent the attached letter to Citizens One certified on XX/XX/XXXX and have yet to receive a response. The company is required to send me a signed contract with the signature matching my ID to validate the debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 I am reporting a fraudulent inquiries found in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer '' furnish an account without my written instructions.

15 USC 16668 : A creditor may not treat a payment on a credit card open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made along with errors. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I registered for a class with XXXX and could not continue so I was advised to drop the course and I did so within the appropriate timeframe. The school did not process my request until a day or two later which caused the drop to pass deadline date. Even though it was an error on their part, they told me I needed to pay {$870.00} for some full tuition and a resource kit even though I never took the class. The charge was for {$870.00} is now in collections. I reached out to them and informed them that it was an error on their part, however no investigation was done and I was stuck with a bad reporting even though I never took this class, I asked to speak to a XXXX or supervisor no one responded. They emailed stating that I need to contact the collection agency and no investigation was ever done. Since it was an error on their part I feel that this is unfair.
Product: Mortgage

I got this : Mortgage Relief Program Dear XXXX XXXX, For your application XXXX, a payment of {$66000.00} has been sent to and applied to your loan by your servicer. Thank you for applying to the California Mortgage Relief Program. 

To review your application, you can log in to the Intake Portal here : Intake Portal. If you have additional questions, you can email California Mortgage Relief Program through the Message section in the Intake Portal.

Regards, The California Mortgage Relief Program Team After I got this I thought my next payment would be XXXX. But it is XXXX. I noticed my payment went up without any explanation. I try to call but they are closed on weekends and right now I am on a XXXX minute hold during my lunch again. They close early and I can not reach them during the day. There is no email just a phone number and address. 
I am unable to speak to Caliber Home Loans
Product: Debt collection

I am writing to formally dispute the information listed on my credit report regarding an account with XXXX XXXX, which appears under the account number XXXX. As this account was reportedly sold or charged off, I am requesting additional information to verify the accuracy of this account 's reporting. 

Specifically, I am requesting a copy of the purchase agreement between XXXX XXXX and the subsequent owner of this debt. This document is essential for me to understand the legal transfer of ownership and to confirm whether this account should rightfully remain on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable information on my credit report. If you can not provide the purchase agreement or verify the accuracy of this debt, I request that this account be removed from my credit report. 

Please respond to my request within 30 days, as required by law. You may contact me directly via the details above if you need further information.

Thank you for your attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that XXXX has reported transactions between I XXXX XXXX the consumer and XXXX the creditor to my consumer report In the months of XXXX, XXXX, and XXXX of the year XXXX have opt out XXXX should not be reporting transactions to my consumer report it is violating my consumer rights. According to the FCRA 15 usc 1681a 2a1 stated in paragraph the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bottom line is congress needs to step up and make freeze and thaw free under federal law. Credit monitoring is not adequate for the massive breach that just occurred at XXXX.
Product: Credit reporting or other personal consumer reports

Experian Dispute Department XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Dispute of Unauthorized Hard Inquiry by XXXX XXXX Dear Experian Dispute Department, I am writing to formally dispute an unauthorized hard inquiry from XXXX XXXX  that appears on my credit report. I want to make it clear that I did not apply for any loan or credit products from XXXX XXXX at any time. This unauthorized inquiry is fraudulent and likely a result of the XXXX data breach, of which I was a victim. 

Under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any fraudulent information from a consumers credit report within four business days of receiving notice of the identity theft, accompanied by supporting documentation. This letter serves as such notice. 

To resolve this issue promptly, I am requesting the removal of the XXXX XXXX inquiry from my credit report. I have attached the following documents to aid in the resolution : A copy of my government-issued identification ( driver 's license or passport ). 
A copy of my utility bill or other proof of address. 
A copy of the Federal Trade Commission ( FTC ) Identity Theft Report. 

I trust that you will investigate this matter thoroughly and comply with your legal obligation to block and remove the fraudulent inquiry from my credit report. Please confirm in writing once the inquiry has been removed, or provide me with an explanation if further action is required. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

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

XXXX  XXXX Last reported XX/XX/XXXX {$400.00} Open balance XXXX XXXX  XXXX XXXX  Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$650.00} Open balance XXXX XXXX  XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; reported by grantor Original creditor name XXXX XXXX XXXX  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 reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included these in my previous Complaint & I am including them again. 
XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX  XXXX Balance : {$480.00} CHILDSUPPORT XXXX Balance : {$14000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my HELOC from U.S Bank, and after it closed, they updated my payment history of it and state there was a missing payment. 

U.S Bank states that I missed a payment in XX/XX/XXXX and even though the account never went past 30 days, I was paying a month behind all these months up until closing the account in XX/XX/XXXX. 

Problem is, that I actually called in XXXX and asked why I was getting a late payment fee every month, and the banker did NOT state I was paying for the prior month every time. I went ahead and paid the total that the APPLICATION told me was due at the time and she simply WAIVED the late fees of the previous months and I assumed she corrected whatever was causing those late fees. 

If I would have been told I was behind one payment then, I would have done a double payment to make it current. 

To top it off, their app NEVER stated any " past due balance '', and since XXXX, I was making my payment assuming it was covering THE CURRENT month. 

Now after closing the HELOC, this MISSED PAYMENT has affected my credit score.
Product: Credit card or prepaid card

In XXXX of 2020 Capital One Bank USA put a late payment on my account. This was an auto bill pay issue and the bank recognized this on their end. I have been patiently waiting for this company to update this inaccurate late pay on my account but they have failed to do so. This late payment has caused my score to drop significantly for their wrong doing.
Product: Debt collection

I have been in direct contact with the company that the services were provided with. payments has been made account balance is XXXX however the account is moving from creditor to creditor without verifying the information .... 

most recent creditor never contacted this writer in reference to the account however their name is under creditor on my credit report
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my account. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the company linked to this account, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my account to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of this account, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

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

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft CBNA/XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft CB/XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft CBNA Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

7. Identity Theft XXXX MACYS Account XXXX : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

9. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine.