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

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Louisiana Laws Dear CITIZNPAYXXXX, 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 Louisiana Revised Statutes ( LRS ) Title 9, Section 3571.1, which governs consumer credit reporting, and identity theft protections under Louisiana Revised Statutes Title 14, Section 67.16. 

It has unequivocally come to my attention that CITIZNPAYXXXX has 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 ).

Louisiana state law further reinforces this requirement. Under LRS 9:3571.1, credit reporting agencies must maintain strict accuracy in consumer credit information and ensure that no report is made without proper authorization. Additionally, Louisiana 's identity theft statute, LRS 14:67.16, explicitly prohibits the unauthorized use or reporting of personal information, underscoring the seriousness of this violation. 

I assert, with unwavering certainty, that I have not provided consent for CITIZNPAYXXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for both federal and state laws. 

I demand that CITIZNPAYXXXX immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and LRS 9:3571.1. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Louisiana 's identity theft laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Louisiana 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 CITIZNPAYXXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting or other personal consumer reports

I am writing to challenge the reporting and compliance of my credit report. 

I REQUEST THAT ALL FRAUDULENT ACCOUNT LISTED IN MY FTC REPORT BE REMOVED FROM MY CREDIT REPORT.

These accounts should not be furthed on my consumer report as they are in VIOLATION Under, 15 US Code 1681b Permissible purposes of consumer reports ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer repert under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN instructions of the consumer to whom it relates.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - requires by law to provided the consumer with ( 3 ) disclosures 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL - financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am herby requesting to be mailed the WRITTEN proof of all above disclosures required by Federal Law.

I have never given any consumer reporting agent WRITTEN CONSENT to report anything on my consumer report, which violates my rights a Federal consumer.

I request all ( 3 ) disclosures from ALL LISTED companies TO BE MAILED TO ME IN WRITING!

If the disclosures can not be provided, then I request the IMMEDIATE DELETION OF THESE ACCOUNTS FROM MY CONSUMER REPORT NO CONSENT IS IDENTITY THEFT. I REQUEST THAT THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY!

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of. 

I am a victim of identity theft!! Please delete all ACCOUNTS mentioned in my FTC report off my credit report.
Product: Vehicle loan or lease

Hello, On XX/XX/XXXX I requested a monthly contract on my vehicle payment. The finance company CNAC asked me to provide my new insurance card by XXXX on that day and they would issue a new contract stating that my payments would be moved to a monthly frequency instead of bi-weekly. This arrangement was discussed over the phone with Account XXXX XXXX XXXX. XXXX, after receiving my renewed insurance card for the vehicle emailed a new contract via docusign for me to agree to the terms and provide a signature for my new monthly contract of {$430.00} Since then, CNAC have not changed my terms in the website portal and continue to state that I have a late payment due. I have never been late on any car payments. They never changed my due date in their system. I have received calls of harrassment and on Saturday, XX/XX/XXXX, I received a letter from CNAC threatening they would pursue actions to possess my vehicle. 

I need legal help in this matter. I have a signed contract as of XX/XX/XXXX from the Account XXXX XXXX XXXX stating that my new first payment date is XX/XX/XXXX. This company have harrassed me every day for a week now asking about a payment. At this point it is a breach of contract. And I need EQUITABLE RELIEF. 

Please assist asap! 

Thank you!
Product: Mortgage

In XXXX we were informed that Specialized Loan Servicing LLC was now in charge of our mortgage loan and at this time we made the proper arrangements and send a XX/XX/XXXX payment of {$1800.00}. this payment was for {$1300.00} plus impounds same payment made for the last six months. On XX/XX/XXXX we received a statement informing us that our payment was now {$2100.00} plus impounds totaling {$2600.00}. My wife called on XX/XX/XXXX talked to XXXX and was told that they would look into it. We received a statement dated XX/XX/XXXX stating that we now owed {$4200.00} to bring our payments current. On XX/XX/XXXX I spoke with XXXX and he looked at my loan note and saw the discrepancy in payments and he had XXXX a supervisor contact me and she also looked up the loan note and opened a ticket to look into the discrepancy was promised a call back and never received it. After repeated calls they stated they were looking into it and a target date of completion would be XX/XX/XXXX. 
On XX/XX/XXXX we then received a refund of {$350.00} from our property insurance company as Specialized had send them a payment that was not due till XX/XX/XXXX. Shortly after Specialized send us a statement saying that our escrow account was short. I quickly called and complained about their misuse of our impounds and how our payments were wrong. They put in a ticket for that to be fixed also. 
We received a new statement dated XX/XX/XXXX that showed we now owed them {$5100.00} to bring account current. I managed to talk to a Supervisor named XXXX and he stated there were now two tickets to investigate problems on our account ticket XXXX XXXX payment discrepancy XXXX and XXXX ( impound XXXX. Reviewed my account history and it still showed the higher payment of {$2100.00} and he further informed me that the payments I have been making were being held in suspense because of underpayment. 
It is now XX/XX/XXXX and as of todays call nothing has been done. A resolution to this problem needs to be completed as it is illegal to charge any higher payment than what is in your mortgage note and misuse of impounds
Product: Debt collection

In 2012 I went to the Emergency room for a XXXX XXXX and was treated by XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX was under contract with XXXX XXXX XXXX XXXX at that time. XXXX did not turn the claim into the insurance company in a timely manner, and the claim was denied. Per their contract, XXXX was not allowed to bill me, the patient. Instead of writing the amount off the books, the balance remained but they did not bill me. Later, XXXX sold their Accounts XXXX to ProCollect. ProCollect refuses to acknowledge the paperwork that proves that I do not owe the debt. I sent a copy of the EOB from my insurance company with a code ( XXXX ). The XXXX page of the fax is the back of the XXXX which explains a code " ( XXXX ) You do not have to pay this charge. That is because the provider did not send the claim to us within the required time limit. ( XXXX ) ''. The have put a collections entry on my credit report and have been sending harassing letters and making harassing phone calls. I made several attempts to resolve the issue and in return received abuse and zero cooperation. The would not give me an original invoice or any contact information other than company name for the original charge. Through my own research I was able to get the whole story from XXXX XXXX insurance company. I will also be reporting ProCollect to the FTC for XXXX and FDCPA violations. The phone abuse went all the way to the top. I even spoke to XXXX XXXX XXXX, XXXX XXXX of ProCollect. He immediately began yelling at me over the phone and talking over me. Thank you very much for your assistance.
Product: Payday loan, title loan, personal loan, or advance loan

This company has been running my credit since XX/XX/XXXX for a loan I was " supposed '' to be approved for. the loan started at {$3300.00} and than they needed to run my credit. Once this was done they asked for supporting docs which were supplied multiple times. Than i was emailed and told they couldn't offer the loan but I was approved for {$2700.00}. Once again i was asked for supporting docs. I have submitted over XXXX docs and had to call over XXXX times because everything i sent in wasn't up to their standard. They wanted bank statements and I explained what they were asking for was no able to be given because the bank doesn't have it. I had to change banks and provide more docs. After doing this i was told again I couldn't be approved but I could be for {$1900.00}. Once again i sent more docs. They finally sent me a contract and after review I went to sign it and than they say it was declined due to a credit inquire. My credit was not ran today XX/XX/year>. That statement is false. This company is committing XXXX and misleading its applicants. I will attach the emails i was sent as well as my credit credit run as of XX/XX/year> which shows no credit was ran since XX/XX/year>
Product: Consumer Loan

The company pulled my credit without my authorization. The inquiry is reflecting on my   XXXX   and  XXXX  Credit report. I have never done business with this bank before nor have I sought any of their products or services.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXX XXXXXXXX Balance : {$1500.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was feasible. The CFPB findings indicate that Zelle not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX
Product: Credit reporting

Please provide me with written documentation which includes my signature that states you have the RIGHT to report adverse, negative, and/or delinquent items on my report. 
Also, I ca n't access my credit report on Transunion website!
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Money transfer, virtual currency, or money service

Had sent money via Zelle and had gotten sent to the wrong account and Zelle had nothing in writing or a warning that sent payments are final.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX NY ) XXXX Date Opened : XX/XX/XXXX Balance : {$530.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation of the following information that appears on my report. I have NEVER opened or used the following accounts I'm a victim of identity theft. since this is not my information and accounts has been reporting since XXXX as showed on the attached identity report affidavit, i want all items deleted immediately or my next resort will be litigation. again i will list these fraudulent accounts here this is a serious concern and my rights are not being honored. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX Opened XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. ) XXXX XXXX XXXX XXXX XXXX {$27000.00} 2. ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX. {$15000.00} 3. ) XXXX XXXX XXXX XXXX XXXX. {$5700.00} These account have violated my rights. 
I looked at my EQUIFAX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the 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 inform of of. ation concerning the individual about whom the report relates according to 15 USC 1681 ( E ) ( B ).

And according to 15 USC 1681 i 5 they are supposed to do this ( 5 ) treatment of an accurate or unverifiable information ( A ), in general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete, or can not be verified, The consumer reported agency shall ( I ) properly delete the item of information from the file of the consumer, or modify that item of information, as appropriate based on the results of the reinvestigation ; and ( ii ) properly notified the furniture of that information that the information has been modified or delete it from the file of the consumer. 
And according to 15 USC 1681 s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cost to believe that the information is inaccurate. 
Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was utterly shocked and devastated upon discovering unauthorized credit inquiries and made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!
Product: Credit reporting or other personal consumer reports

XXXX XXXX account number- XXXX I received a copy of my credit report. To my surprise, you are reporting this account incorreclty .This collection account is reporting not only as XXXX but also as past due balance of XXXX. According to the FCRA, I have the right to an accurate credit report please provide me with a copy of accurate credit report please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion
Product: Credit reporting or other personal consumer reports

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. The following hard inquiries have been disputed several times and they are still on my Transunion XXXX and XXXX credit report. I have no knowledge of these inquiries or any knowledge of the companies associated with these accounts. I been disputing these since XX/XX/XXXX and I want these 6 hars inquiries removed immediately because this is in violation of the FCRA