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

**Subject : ** Request for Verification of Credit Reporting in Compliance with the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally request verification of the accuracy of the information you have reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable investigation to verify the accuracy of any disputed information.

I recently reviewed my credit report and identified information that I believe may be inaccurate or unverifiable. I am requesting that you provide me with the following : 1. **Details of the Investigation Process** : Please explain how you verified the accuracy of the disputed information, including the specific methods and steps taken during your investigation. 
2. **Source of the Information** : Provide the name, address, and contact information of the creditor, data furnisher, or any entity that supplied the information in question.

3. **Documentation Used** : Share any documentation or evidence obtained from the furnisher of the information to support its accuracy.

The FCRA mandates that all information reported must be accurate, complete, and verifiable. If you are unable to provide sufficient evidence to verify the disputed information, I request that it be removed from my credit file immediately.

Please respond to this request within 30 days, as required by law. Failure to comply with this request may result in further action to enforce my rights under the FCRA. 

I have included a copy of my credit report with the disputed items highlighted for your reference. Additionally, I have enclosed copies of my identification and proof of address to verify my identity. 

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

Sincerely, XXXX XXXX **Enclosures** : - Copy of credit report with disputed items highlighted - Copy of government-issued ID - Proof of address
Product: Student loan

I contacted Navient last month and told them I could n't afford the payment plan they had me on. They so no problem, put a temporary forbearance on the loan and sent me a list of other payment plans I qualify for. I chose one, sent it back to them, 5 times now! And yet today I get a notice that I 'm still on the old payment plan I ca n't afford.
Product: Money transfer, virtual currency, or money service

In XX/XX/year> I needed to change both my phone number and my email address with Coinbase where I have had an account for several months. Somehow during that process my acct disappeared. The acct has arolund {$600.00} in it. Since XXXX I have been trying to get Coinbase to respond to no avail. You sent me a note saying the company had responded and the inquiry was closed. They have not responded and that note was incorrect!
Product: Credit reporting

I have been traveling out of the country for some time. Now upon returning, I need a copy of my credit report in order to secure an apartment in the US. Obviously I want to have the apartment available to me by the time I arrive, so I have someplace to go to immediately. However : XXXX says citizens can only apply for a credit report from inside the US. This is ridiculous. I need a credit report now, and as long as I enter my valid personal data, what difference does it make WHERE I 'm accessing the internet from? 

Why ca n't I get my credit report from outside of the US? ( And calling does n't help, as that takes two weeks and can only be mailed to an address inside the US! )
Product: Bank account or service

I just recently open a Chase bank account. Today I checked my balance and their was a withdrawal in the amount of $ XXXX. I called Chase knowing it was a fraudulent activity and I was told by the representatives that it seems like it was a withdrawal from within Chase for collection account. I started asking question that the representative could not answer and stated that she would need to transfer me to the collection department but It was already closed. What I remember was going to Chase and closing my account with a zero balance and I never received any documents from Chase that stated I was in collection. To the point that I just open an account with them with no issues. Chase is robbing me of my hard earned money. Please someone help me understand what is going on and what I can to prevent Chase from taking money that I do not owe them.
Product: Payday loan

I took out a {$1000.00} loan from Big Picture Loans and was initially told I would pay {$400.00} in a finance charge, but instead they took out {$500.00}. They said I could pay them more on top of the {$500.00} to reduce the principal by a {$100.00}, but the next payment would be {$500.00} another finance charge for the 2nd month. I ca n't afford this outrageous amount.
Product: Credit reporting or other personal consumer reports

TransUnion has allowed multiple different fraudulent companies to report whatever they want on my alleged consumer report with no proof or regard to my privacy or protection. They are obligated as a fiduciary responsibility to care and safe keeping of my trust information. Instead they have allowed persons to fleece my account and report inaccurate information with impunity.. TransUnion has allowed another company to continue adding more false information on my account on a monthly basis. The more I attempt to correct this information, the more bias they become. They have breached my trust in their fiduciary capacity by providing my private information to be shared amongst other companies for malicious purposes. This is a felony. They have also refused to update my account to reflect the updated information Ive provided to them to update. To no avail, Ive constantly requested a fraud protection alert be place on my account to prevent further identity theft. They have been complicit in the allowance of my account to used for non permissible purposes, in violation of 15 U.S. Code 6801 - Protection of nonpublic personal information. They have allowed 3rd party collectors such as XXXX XXXX and associates to use my consumer for unlawful purposes. This has caused me injury and they have profited from my injury. They continue to violate 15 U.S. Code 1681b - Permissible purposes of consumer reports by allowing any and all who pay them to pillage my private property, breaching the public trust. They are liable for the damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$9.00} XXXX XXXX Balance : {$5900.00} XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX XXXX XXXX {$1600.00} XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$620.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$9.00} XXXX XXXX Balance : {$5900.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} Medical XXXX Balance : {$470.00} Medical XXXX Balance : {$74.00} Medical XXXX Balance : {$150.00} Medical XXXX Balance : {$190.00} Medical XXXX Balance : {$85.00} Medical XXXX Balance : {$85.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX  XXXX XXXX Balance XXXX {$9.00} XXXX XXXX Balance XXXX {$5900.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX {$4700.00} XX/XX/XXXX XXXX  XXXX {$2200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$930.00} XX/XX/XXXX 15 U.S.C, 1681section 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 a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} XXXX XXXX XXXX {$480.00} XXXX  XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$140.00} XXXX   XXXX XXXX {$190.00} XXXX  XXXX {$390.00} XXXX  XXXX {$120.00} XXXX  XXXX XXXX  XXXX {$15000.00} XXXX XXXX {$220.00} XXXX XXXX XXXX/ XXXX {$12000.00}
Product: Credit card or prepaid card

American Express uses very confusing wording in his promotion letter to lure customer sign up a credit card. The letter is saying that after a customer spending {$2000.00}, s/he will be earning XXXX points, which can be used toward up to {$150.00} in rewards as gift cards. After I have done all the requirements, I got my XXXX points, but XXXX points only enough to redeem for {$100.00} gift cards. I have contacted customer service, and they just kept lying that it " only '' for " selected '' merchants, but can not show me 1 single merchant gift card is worth {$150.00} with XXXX redeeming points. 

This is telling a customer you can use XXXX to redeem a {$150.00} gift card, but such gift card does not exsit.
Product: Payday loan, title loan, or personal loan

I was alerted through email that I was approved for a {$700.00} payday loan that I had not applied for. I had applied for a loan several months ago, but not yesterday XX/XX/2021. I also received a hard inquiry for this application. I immediately called the next morning when they were open and they were able to void the loan, and told me to proceed with filing complaints. I do have a fraud case open with them as XXXXXXXX.
Product: Debt collection

I XXXX XXXX entered a consumer transaction with PENFED CREDIT UNION in XXXX of XXXX. I never asked them to send me a bill. In XXXX of XXXX they sent me a bill, in this bill were FDCPA violations 15 USC 1692b ( 2 ) using symbols and profane language, 15 USC 1692j ( a ) using deceptive forms to make me believe I owe a debt. and violations in TILA 15 USC 1602 ( p ) unauthorized use, paying monthly on a credit card.
Product: Debt collection

I received a loan account ending XXXX & XXXX with Countrywide as my direct loan advisor and Lender. Countrywide put me into unfair predatory lending that was illegal as no possible way to pay the negative amortizations on Four Refinances in XX/XX/XXXX. 

By XXXX by mutual agreement with XXXX  informed me to not pay, and within the next months called Due by Affirmative Act of Acceleration of the Maturity Date to XX/XX/XXXX. There was never any deceleration of the debt obligation called due. The maturity Date never changed. California Law provides Civil Code 880.020-882.040 and provides the debt obligation is no longer enforceable by any means, nor is the enforcement of the power of sale in the deed of trust. The deed of trust is VOID. Satisfied. Payments were made during XXXX and refused when they were to provide a loan modification under NMS agreement . BAC  Home Loans Servicing closed down in XXXX. By XXXX, Six years after acceleration no litigation no bankruptcy the Accounts all of them were removed " off from my credit '' and Accounts were Closed by XXXX  - AND THOSE WERE XXXX BALANCE DUE. NO CREDIT TRANSFERRED. I HAVE PROOF OF THE CREDIT REPORT BEFORE FILING A BANKRUPTCY ON XX/XX/XXXX. 
BY XXXX BAC transferred to XXXX XXXX XXXX and later turned to XXXX XXXX XXXX XXXX The IRS Form from XXXX had no outstanding balance due. XXXXXXXX XXXX  XXXX hires Attorneys to make up the law to AID and state that the lien and debt is owed and forced me to file Bankruptcy and presold by mock auction opened up " Escrow '' on XX/XX/XXXX by a well known " investor '' buyer. And XXXX is making up FALSE DEBT that is not owed. 
More than FIFTEEN YEARS since the last due date recorded indebtedness XX/XX/XXXX. No Litigation ever but for short total of XXXX Months of Bankrutpcy after the debt was no longer enforceable. XXXX XXXX XXXXXXXX hires out of state attorney 's to make false debt claims. My Identity has been the link to create their fake debt claim and I have called the FBI/FTC and will update to the IRS and OIG of the Social Security XXXX They are now claiming a new Sale Date of XX/XX/XXXX and have caused me to file ruin and destroyed my life and credit for a FAKE False Misleading phantom debt " False Lien '' Scam to take and steal my equity, my real property using FALSE DEBT using my Identity. 
I have recently uncovered the scam since being a victim of Title Theft and this opened up to show me that this is Identity Theft. The entire debt was CLOSED XXXX DUE since XXXX. XXXX XXXX XXXX  has made up false debt that is to take over XXXX XXXX with false statements of FAKE FALSE IRS FORMS now using my identity claiming I owe when no legal rights exist. There is no In Rem and No Rights this violates CA Marketable Record Title Act Civil Code 880.020-882.040 and no preservation of any interest recorded. More than Ten years, More than 15 years since last Due recorded ascertainable. I am harassed by fake debt by Attorney 's hired to AID in GRAND THEFT.
Product: Debt collection

LoanMe has been sending me emails regarding my payment status, and claiming that I 'm calling them and to call Them back. However I have not called them regarding my loan nor have I emailed them. They continue to send me automated emails on how to make my payments and to call this number back as if I phoned them. It 's becoming annoying and it 's false communication tatctis
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates is reporting inaccurate information on my credit reports. 
It shows Account Status as 'Closed ' for an open account and also call themselves a " Factoring Company '' instead of a 'Debt Buyer '. 
Amount on the account is {$2600.00}. 
I have attached a document as evidence.
Product: Credit reporting or other personal consumer reports

Firstly, I want to stress the vital importance of adhering to FCRA Section 602 ( 15 USC 1681 section 602a ), which underscores the duty of consumer reporting agencies to maintain fairness, impartiality, and an unwavering commitment to safeguarding consumer privacy. Additionally, I firmly assert my rights guaranteed under 15 USC 6801, which ensure that my personal information is protected by financial institutions acting as suppliers of data to credit agencies. I have expressed directly to these companies that I would not like my non-public information shared.

My primary concern revolves around the sharing of my information without explicit written consent. FCRA Section 604a ( 2 ) explicitly dictates that consumer reporting agencies are only authorized to provide reports upon receiving written instructions from the consumer. I do not believe I have given any consent to share my personal information and I hereby retract any implicit or verbal consent previously extended to entities like Equifax, XXXX, XXXX or other information furnishers to credit agencies. 

The reporting of adverse items without proper authorization is deeply troubling. According to 15 USC 1681C ( a ) ( 5 ), it's explicitly prohibited to report adverse information without explicit permission. It seems this regulation might have been violated, necessitating immediate attention and corrective action. Evidence of multiple items that are marked derogatory.

Moreover, the breaches of reporting laws outlined in 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e cast significant doubts on reporting agencies ability to uphold reasonable procedures. These infractions severely undermine the trust and confidence that should be placed in the accuracy and integrity of reported information.

Lastly, I formally exercise my right to opt out of your reporting services here with CFPB as witness, as provided by 12 CFR 1016.7. It's imperative that my opt-out request is promptly acknowledged and actioned upon with the immediate removal and deletion of all stored data involving XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was a customer of Simple. On Saturday, XX/XX/XXXX, Compass BBVA shut down Simple, claiming that all Simple customers would be moved over to the Compass online system. 

The transfer failed catastrophically. I am unable to access my accounts. At this time, on Sunday, XX/XX/XXXX, customer service representatives assigned to this case are hanging up on me moments after introducing themselves. I am unable to access any online banking accounts to move money around or check my balances, and BBVA is refusing to provide support.
Product: Credit card

I applicd for a chase card on XXXX XXXX XXXX  I received an email that same day of them asking for verification of my identity and to upload documents through their portal they sent in the email. I uploaded the documents and on XX/XX/ I reccivcd an email saying I had been approved for the card and that I could add it to my amazon account and use it through there until the physical card arrived. 
MY very first purchase on amazon was immediately declined, my amazon account got shut down and the card was unable to be used as I also lost the {$100.00} amazon gift card that was part of the incentive for signing up. 
When the card arrived ( around XXXX XXXX XXXX ) I called to activate it and was told that it could not be activated and they had to verify my identity. Since that date I have spent everyday, sometimes multiple times a day calling Chase. I have done cvery vcrification they havc wanted and have passed it each time. My card was even activatcd finally, on XXXX XXXX XXXX  just for the same day, to have it denicd when trying to get groceries at XXXX and blocked again. It's on my credit report and affected my score and 1 still can not use it. On XXXX XXXX XXXX  an agent by the namc of XXXX, after asking when my last payment to chasc was, in which i replied that I have yet to make a payment since I have yet to makc a purchasc abruptly stated " That's a great way to makc fraud. 'That 's perfectly fine, l'u blocking the card. Thank you for calling Chase. '' This is so ridiculous and unfair to me and I have spent the last 15 years building a perfect credit score, no collections, no missed payments after having to file bankruptcy when my husband died just for them to slap this on the credit report and make me spend hours trying to get the card unblocked and verify over and over. It feels like a sick game to them and I am in literal tears over it.
Product: Mortgage

Scheduled a payment of XXXX to go through onXX/XX/XXXX, mr cooper took over XXXX and did not disclose that any fees would be taken. I only authorized the XXXX and mr cooper confirmed that amount. Mr cooper also reported information wrong on our credit report. I called mr cooper to inquire about this matter. They blamed the error on the transition from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, have no choice but to submit a complaint against a nationally known vehicle finance company known as XXXX XXXX XXXX. My argument is based upon the implementation of two separate federal laws, the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. My argument is against an abusive derogatory placed on not only mine but my wifes credit report, with each respective credit reporting agencies, XXXX, XXXX XXXX and Equifax respectively. I have had an impeccable payment history with XXXX XXXX XXXX since XXXX, as he attached credit reports shows Account Number XXXX opened XX/XX/XXXX, a perfect payment history until the vehicle was traded in for a new lease in XX/XX/XXXX. That loan payment history was perfect Account XXXX XXXX. As you can see from the attached two credit histories of the same account, on XX/XX/XXXX the account shows PAID. CLOSED/NEVER LATE as of the lease close out XX/XX/XXXX. At that time my wife XXXX took a new lease with XXXX XXXX XXXX XX/XX/XXXX. Is was not until a month later when both me and my wife received a notice by mail that there was an additional charge on vehicle maintenance. I made the necessary arrangement to pay the additional lease charge that had absolutely nothing to do with any payment history. XXXX XXXX XXXX can not mingle payment histories with any substantive collection issue after the fac. This is in fact not only a Fair Credit Reporting Act violation but a violation under the Fair Debt Collection Practices Act : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text If American Honda Finance had a financial issue with the lease, then after the payoff the only remedy would be through the FDCPA. FCRA does not apply..period. Accordingly, XXXX XXXX XXXX has applied a separate but highly illegal interpretation in its collection criteria by abusing the FCRA along with its tightly controlled subscriber agreement with each respective credit reporting agencies. The Consumer Financial Protection Bureau is the super-ceding authority on the implementation of FCRA, and I believe that the American XXXX XXXX company should be investigated including a full legal review of its contractual agreements with the general public. Sanctions are of necessity on this issue. I demand the late payment back-dated to XX/XX/XXXX be deleted, and that XXXX XXXX XXXX issue a policy change to the American public through the CFPB.