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

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802, to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation { {$1000.00} }, for every violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). " 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. '' XXXX, 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 that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { {$1000.00} }, whichever is greater. 313.1 Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is currently listed on my credit report. There is incorrect information that I would like to have removed as it does not reflect my true credit history. A dispute letter has been sent via certified mail requesting the information be deleted as it is reporting inaccurate dates the accounts was opened and some of the accounts have been paid and is reporting that they have not, receipts have been attached. 

Under 15 U.S. Code 1681e ( b ) is a provision of the Fair Credit Reporting Act ( FCRA ) that outlines the responsibilities of consumer reporting agencies ( CRAs ) to ensure the accuracy of the information they provide in consumer reports. 

Also, under 15 U.S. Code 1681i ( a ) ( 5 ) is another provision of the Fair Credit Reporting Act ( FCRA ) that deals with the procedures for the reinvestigation of disputed information by consumer reporting agencies. 

Please delete inaccurate information from these accounts listed below : XXXX. XXXX XXXX ( XXXX ) - account have been paid as well XXXX. XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

CB Indigo- XXXX past Due XXXX Balance XXXX starting XX/XX/year> to present. I never used that card and it was closed, but for som reason its affecting my credit report. 

In accordance with the fair credit report act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account Without my written instructions. under 15 USC 1666B a creditor May not treat a payment on a credit card Account under an open and consumer Credit plan as late for any purpose.
Product: Credit card

XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, NY XXXX XXXX XXXX Date To : Macys XXXX Inc XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX Attn : XXXX XXXX Executive Office Dear XXXX XXXX, My name is XXXX XXXX, and I am writing to address the ongoing issues with my Macys credit account ( Account Number : XXXX ). Despite multiple attempts to resolve these matters over the phone, I have not received the necessary assistance to correct the inaccuracies on my account. 

XXXX. Disputed Charge and Lack of Support : I have called Macys customer service many times to dispute a charge of {$31.00} and address other concerns. Each time, the representatives were either unwilling or unable to assist me effectively. Macys should have records of these calls to verify my repeated efforts. 
XXXX. Late Fee : I acknowledge the late fee of {$31.00} charged on XX/XX/year>, and its subsequent credit on XX/XX/year>. However, this does not resolve the main issue of incorrect reporting. 
XXXX Credit Reporting Inaccuracy : My account was reported as 30 days delinquent in XX/XX/year>. I have consistently disputed this information, stating that payments for XXXX and XX/XX/year> were made but not properly applied to my account. 

Additional Impact : Due to this delinquency on my credit report, my auto insurance increased to {$330.00} per month. This has been a significant financial burden. 

I request that Macys conduct a comprehensive review, including the phone call records, and correct the inaccuracies on my account. Additionally, I request the removal of the disputed by consumer note from my credit report once the issue is resolved. 

Additionally, I do not want any Macys advertisements sent to my apartment. 

I hope to resolve this matter amicably and promptly. Thank you for your attention to this important issue. 

Sincerely, XXXX XXXX
Product: Debt collection

The statute of limitations for Wisconsin is 6 years. This debt was from 2012 and was closed and taken off my credit report. Recently received court papers stating wage garnishment. Was not even notified by certified mail of a judgement against me. Nevertheless, the statute of limitations has expired.
Product: Debt collection

CKS PRIME hasn't provided any evidence to substantiate its claims that this debt is a legitimate debt. Further, there has been neither proof that CKS PRIME has permission to collect this debt, nor have they provided previous verification of this debt. Finally, I have received no information that CKS PRIME currently possesses any documents of this debt. Since this company has failed to provide any evidence of the claims made in their response, under 15 USC 1692 C, the law clearly states Consumer notifies a debt collector, the consumer refuses to pay a debt, the debt collector must cease all communication and remove item from my credit report, per **Fair Credit Reporting Act ( FCRA ) ** - Located in 15 U.S.C. 1681-1681x, this act regulates the collection, dissemination, and use of consumer information, including credit information, and gives consumers the right to dispute inaccurate information in their credit reports.

These laws collectively aim to promote fair lending practices and protect consumers from unjust denial of credit.
Product: Credit reporting or other personal consumer reports

I found a complaint against Equifax for fail to property investigate my dispute regarding inaccurate and my credit report despite my submission Equifax response within 24 hours stating the account was accurate without providing any evidence to investigation this practice violates the fair credit reporting act FCRA 15 USC 1681I which mandated a reasonable investigation of disputes furthermore, Equifax action may also contravene the Customer financial protection act CFPA, 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB recent administration proceeding ( files no. XXXX ) against them for similar violations I requested the CFPB take action to ensure Equifax complies with federal law and provide customers with the necessary proof of investigation these the accounts that havent been removed XXXX NC, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX,
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 rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Discover closed my credit card after I specifically had a payment plan in place to keep everything on and in good status. They failed and neglected to do so. They have seized my security deposit. They also just sent me a right to cure default letter. I have reached out numerous times and each time has been something different from Discover. Now they have advised me that even if I honor the right to cure default letter that they sent to me that my account will not be reinstated. 

XXXX is as follows XX/XX/2023 - Spoke with someone regarding my account at Discover. Advised that I was on workman comp and they hadn't paid me. She advised me of different payment methods. I opted for the wiring info and she advised that when I get paid I can call in and get the information. The wire was supposed to be for {$250.00}. Scheduled autopayment was supposed to be stopped. My personal bank account was compromised and she removed the late billing fee XX/XX/2023 - Email from Discover regarding closing my account advised that due to unusual payment activity my account was closed. 

XX/XX/2023 - Called the customer service center immediately right after that email was sent and asked what can be done because I had a payment arrangement in place to stay any action. Bank account was compromised and had a payment arrangement in effect. Account # ending in XXXX. I had not pushed a new manual payment through. They advised me to call the XXXX dept. at their next time they open. Which I did and the agent was very rude and basically told me " that's tough. We cant and we wont do anything '' XX/XX/2023 - Called back to file a complaint against the agent XX/XX/2023 - Received a letter in the mail that says " Right to Cure Default '' from Discover. I have a photo of it in my Informed Delivery from the USPS. It says that I have until XX/XX/XXXX to cure the default by paying the past due amount of {$92.00} XX/XX/2023 - Called Discover and spoke with an agent about everything and she admitted that everything I said is matching up with their records. On the phone with XXXX for over an hour and was advised that I need to talk to billing because there is no way that the XXXX dept. can restore the account. The XXXX rep XXXX advised that I need to talk to billing and find out why a right to cure default letter was sent out to me. She advised that the right to cure default letter had gone out after the account was revoked. She also advised that the letter was to serve as formal notice that the {$92.00} needs to be paid immediately. I asked her exactly what this means for the account in question. If I pay the requested amount listed in the right to cure default letter does this mean that my account will be reinstated? Will I have to put another deposit down? I informed them that because I asked Discover to delete the payment account and stop the autopay that this is Discovers fault because I did my part as a consumer and arranged for payment to be fulfilled. 

!!! I also have all of the calls between Discover and myself recorded on video!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have couple credit cards opened on my social security and and it is debt collection now. And credit went don't and can't investigate it
Product: Credit reporting or other personal consumer reports

Lexington Law Firm associates/employees used false and misleading information to advertise credit reporting and credit repair through emails without my consent or authorization to do so. I have no knowledge as to how this alleged law firm obtained my information to contact me. As far as I know they may have used my personal information to operate XXXX schemes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$5400.00} and XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$1900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Tried to obtain an auto loan and some credit accounts, and my credit was shopped around without my consent, I checked my credit and saw that I had 47 hard inquires that I didn't recognize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I show a charge from Barclays on my credit report. The card shows payments being made monthly since XXXX  until I filed a complaint with Barclays, now the card shows a {$55.00} over due balance. I reached out to Barclays several times and they keep telling me the card is valid. I noticed an address in Florida on my credit report and I've never lived in Florida or do i know anyone who does. I hope you can help me with this issue. I've also filled a complaint with XXXX and will do the same with MA Atty General if need be. 
Thank you for your time, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, NH XXXX XXXX
Product: Checking or savings account

This is a continuation of XXXX. 

This is a continuation of the complaint that I filed with the Consumer Financial Protection Bureau. 

As is indicated in Citibank 's records, from XX/XX/2022 to XX/XX/2022, my online transaction history did not reflect payment of {$99.00} for the XXXX  software until XX/XX/2022. According to the person with whom I spoke today, even with the {$99.00} which was credited back to my account today because of my request for refund, my account is still {$78.00} short. She said that I was short {$170.00}. The {$170.00} short was never reflected in my transaction history. 

I counted my transactions and discovered that I overspent. Please note, however, that the overspending is related to Citibank 's not keeping an accurate record my transaction history, and the associated balances that were misrepresented from XX/XX/2022 until today. 

Lastly, I received an e-mail from Citibank that it would suspend my account. If my account is suspended ( or closed ), I will not be able to receive my XXXX monies from the Social Security Administration. If this happens, I have to file a complaint with the Americans with Disabilities Act because I have a right to receive my XXXX payment without my account being closed as an act of retaliation. 

Where Citibank is concerned, I plan to close the account, but I will not close it until receive my XXXX money from the Social Security Administration. I do not want to close the account leaving a negative balance. 

Thank you.
Product: Credit reporting or other personal consumer reports

I have tried repeatly in the last year more than several times to request this false information that was reported on my credit reports to be removed due to identity theft and these companies continued to ignore my grievances. The dates of request/contact for removal of this fraudelent information were XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & lastly XXXX XXXX XXXX
Product: Student loan

My name is XXXX XXXX and I am a XXXX XXXX XXXX. I have been in repayment since XX/XX/XXXX, from at least XXXX through XXXX, I was with XXXX. I consolidated to XXXX  in XX/XX/XXXX to take advantage of the Public Student Loan Forgiveness Waiver since I have always been a local government employee since I graduated in XX/XX/XXXX, but was previously in wrong loan type for forgiveness. I submitted my forgiveness application in XX/XX/XXXX to XXXX. All of my employment was certified from XX/XX/XXXX to XX/XX/XXXX as eligible. However, they only credited XX/XX/XXXX and XX/XX/XXXX and then no other payments until XX/XX/XXXX ( covid forbearance ). When I asked why, I was told that my account was designated as being " in-school deferment '' for the period of XX/XX/XXXX to XX/XX/XXXX ( when I consolidated ). I was told by XXXX  that only XXXX could fix the problem. I called XXXX  and they said XXXX  had to fix the problem. I was not in-school at any point since XX/XX/XXXX. I have proof of regular standard payments made to XXXX  going back to XXXX demonstrating that I was on repayment status. ( as far back as their records went ). I also managed to locate bank records from XXXX which show my regular on-time automatic monthly payments for that year. I have form XXXX 's from XXXX and XXXX that demonstrate I made payments those years on my loans. I filed a complaint with the ombusdman too, but they say that my student loan account reflect I entered repayment in XX/XX/XXXX, which it does, so why are my payments not being counted? ( the account also shows that the status was not changed to " in repayment '' until I consolidated in XX/XX/XXXX ). My loans were transfered to Mohela in XX/XX/XXXX and I submitted all of my paperwork to them, including the proof of payments for all the months I had for XXXX and XXXX, and they marked it as a duplicate application and kept the count the had been submitted by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled out an online survey for quicken loans to learn about different mortgages. I at no point said I was inquiring and never entered my social security number. They put a hard inquiry on my credit report. I complained and they refused to remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter via USPS on XX/XX/XXXX and on XX/XX/XXXX Certified requesting the following accounts be verified and I be provided with method of verification. I have NOT received method of verification and received correspondence that information was verified and valid. I have attached copies of all 3 bureaus showing different information therefore information could not have been verified as accurate. 
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

There are several errors on my credit report that need to be addressed and removed immediately. I have been contacting Experian but still dealing with the same issue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has been violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or have reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a lot of inquires that are not mine must be fraud