23daVinci/CFPB_Complaints huggingface dataset:
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 ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. These agencies have failed to do so. 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. '' ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies 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 XXXX, XXXX, ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) 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. 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.
Product: Credit reporting or other personal consumer reports

I have a letter in writing stating I have no further financial obligation to XXXX XXXX  on two Accounts please remove from my credit report my XXXX just passed away
Product: Debt collection

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account XXXXSOFI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOFI_ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Attention : Transunion This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXXXXXX XXXX XXXX Made on : XXXX Made with : Transunion Made by : XXXX XXXX Made on : XXXX Made with : Transunion Made by : XXXX Made on : XXXX Made with : Transunion Made by : XXXX XXXX Made on : XXXX Made with : Transunion Made by : XXXXXXXX  Made on : XXXX Made with : Transunion Made by : XXXX XXXX  Made on : XXXX Made with : Transunion Made by : XXXX Made on : XXXX Made with : Transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending a complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof and the following accounts on the credit report are incorrect.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$14.00} ; XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$27000.00} ;
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to address serious violations committed by US Departament of Education XXXX, Experian and XXXX regarding the illegal reporting of my student loan information. 
Violation of Family Educational Rights and Privacy Act ( XXXX ) Under XXXX, schools are required to have written consent from a parent or eligible student before releasing any information from a student 's educational record. I have never provided any written permission or contract authorizing [ Creditor Name ] or XXXX, Experian and XXXX to disclose or report my educational records. 

XXXX only permits disclosure without consent in limited circumstances XXXX XXXX XXXX XXXX XXXX such as : * To school officials with legitimate educational interest.

* To comply with judicial orders or lawfully issued subpoenas.

No such circumstances apply here. If [ Creditor Name ] believes I provided written permission, I formally request that documentation pursuant to Rule 1002.

Violation of 15 U.S. Code 6801 - Protection of Nonpublic Personal InformationExperian, XXXX and XXXX have violated federal law by failing to safeguard my nonpublic personal information, as required under 15 U.S. Code 6801. This statute imposes an affirmative obligation on financial institutions to protect the privacy, security, and confidentiality of customers records. Specifically :

1. You failed to secure my records and protect them from unauthorized disclosure. 2. You unlawfully furnished my private educational records to credit bureaus like XXXX, XXXX, and Experian, which have experienced multiple data breaches.

Identity Theft Under 18 U.S. Code 1028A Your unauthorized use of my private educational records amounts to identity theft. Under 18 U.S. Code 1028A, it is illegal to knowingly use a means of identification without lawful authority. By reporting my student loan information without permission, you have violated my rights and caused significant harm to my creditworthiness and personal reputation.

Impact on My Life Your unlawful actions have caused severe inconvenience and harm to my life, including : * Denial of credit applications.

* Adverse actions that have affected my financial stability, reputation, and overall quality of life.
Product: Mortgage

The loan was paid in full with a cashier 's check. This check included an amount sufficient to pay off the principal balance, accrued interest to payoff receipt and lien release filing fee. I have received a refund for the over payment from this check however, the company has not applied the payment to the principal balance.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do no
t have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3 rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have & quot; verified & quot ; the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization NOTE : ATTACHED IS PROOF OF IDENTITY WHICH IS SOCIAL SECURITY VERIFICATION AND ID FOR NAME AND ADDRESS AND FTC REPORT SENT!!!!!!!!!!!!! 
THANKS IN ADVANCE Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name XXXX  XXXX XXXX Account Number XXXX Reason for dispute__WITHOUT EFFECTIVE CONSENT_ Account Amount_ {$9700.00} Account Name XXXX  Date XXXX Account XXXX Reason for dispute_WITHOUT EFFECTIVE CONSENT Account Amount {$2800.00} Account Name XXXX  Date XXXX Account Number XXXX Reason for dispute_WITHOUT EFFECTIVE CONSENT Account Amount__
Product: Student loan

XX/XX/XXXX submitted my final employee certification for PSLF forgiveness. My qualified payments = XXXX. Requested to be put into Forbearance while counts were being updated. Mohela sent me a message saying my Forbearance expires on XX/XX/XXXX. So Mohela wants me to pay while they figure out my counts. My current count is XXXX. I submitted the paperwork verifying my employment. They stated I had to start paying again while They are processing my account. 
XXXX response or clarification
Product: Bank account or service

At branch located in a grocery store XXXX MN on XXXX XXXX 2016 I help my kid set up a student checking account. The Branch Manager XXXX XXXX. asked if I would like to open a new credit card. I said no and explained I just opened XXXX a couple of months ago and that I was good with that XXXX. I received a letter dated XXXX XXXX that my application was denied because of gross income. I went back to the branch and questioned the manager and she agreed I declined a new card but said it would have only been a soft hit on my credit report. She said she would get back with me. After some time with No response I contacted her boss XXXX XXXX. He asked me to send documentation and a notary. He said he would take care of it. As of today it is still on my credit report under XXXX. I have attempted to contact the boss this week with no response so this is now my third step to solve and issue the US bank caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 60 Day demand to comply sent XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen me and my family of XXXX will be facing XXXX  due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE 3 IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. Companies listed below are reporting accounts obtained thru identity theft.which is a violation of the Fair Credit Reporting Act, 15 USC sections 1681i, which the Credit Bureaus are obligated to finish their investigation within 30 days. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), I need the following accounts corrected now : XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX  XXXX ) XXXX XXXX XXXX also my ssn is XXXX bank statement attached drivers license attached
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I mailed Experian my FTC report along with a dispute letter. It has been more than 30 days since my dispute.
Product: Checking or savings account

We had some theft along with the police report and somebody got into our phones and then proceeded to get Capitol one to change our password which they did and then they debited our savings and checking account and now Im on later, the bank is blaming us and frozen all XXXX and we have no way to pay our mortgage or anything or even get groceries and were old and dont know what to do, they even took the pension money that was deposited from my husband who used to work for XXXX and I also work for the government. This is not right. Capitol One should not freeze our money, they open new accounts for us and then now they froze those as well The two original counts, they froze until investigation was done, and they open to new accounts and they credited what the thief had taken, but now theyre freezing all the accounts, including the ones that they opened for us, and they have seized all the money along with the pension, the pension just went in last few days ago. They shouldnt take that as well, and these people are just Playing around with older people we need your help.
Product: Debt collection

So again the total XXXX XXXX is trying to get from me is XXXX but the most recent invoices i received XXXX XXXX XXXX were only for XXXX. I have both new and old invoices and can send them. I've disputed multiple times and they always say it's valid and correct. The credit monitoring companies agreed to stop tracking medical debt under XXXX dollars and this case very much fits the bill but XXXX XXXX won't look deep enough into their own work to figure it out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone using my personal information to open fraudulent credit cards that i did not authorize
Product: Debt collection

XXXX XXXX my credit score as XXXX, XX/XX/XXXX in dropped due to this company ED financial attempting to collect on a debt that is 36 years old. I have received letters and sent letters requesting proof that the account was with ED Financial XXXX. I asked for the original contract and advised that this was also under the time-barred category. They sent me a contract under ED financial and have not removed this from my report. They are still sending mailings to my home and my score is dropping more each month due to this. I have attached a copy of the mailings to this complaint. They have also stated that I have made payments to them in XXXX and XXXX and I have not made any payments. May you please assist? Thank you for your time.
Product: Debt collection

MIDLAND CREDIT MANAGEMENT Subject : Debt Validation Request XXXX Dear Midland Credit Management I am writing pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, to formally request validation of the alleged debt referenced above. Please note that this is not a refusal to pay but a request that your office provides the following information to ensure the validity of this claim : 1. Proof of Debt and Amount Owed : The exact amount of the alleged debt, including a detailed breakdown of interest, fees, and any other charges applied.

2. Creditor Information : The name and address of the original creditor.

A full itemized statement from the original creditor showing the history of the debt.

3. Chain of Assignment : Documentation showing the complete chain of assignment from the original creditor to your agency. This must include : A copy of the original signed agreement or contract between me and the original creditor.

A contract, bill of sale, or other legal transfer of the debt showing that your agency has the legal right to collect.

The names and addresses of all parties involved in the chain of assignment.

4. Statute of Limitations : Verification that the alleged debt is still within the applicable statute of limitations.

5. Authorization to Collect : Proof that your agency is authorized to collect on this debt in my state.

Please be advised that if you can not provide the requested documentation within 30 days of receipt of this letter, I request that the account be removed from my credit report and that you cease any further collection efforts. Reporting unverifiable information to credit reporting agencies may constitute a violation of the Fair Credit Reporting Act ( FCRA ). 

Additionally, if the debt can not be validated, I request that any negative entries related to this account be deleted from my credit report immediately. 

I request that all future communications regarding this matter be made in writing. 

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

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

An initial dispute was sent to Equifax XX/XX/year> about investigating the accounts for accuracy. It had been XXXX months and I have not heard anything back about the results or anything from Equifax. So a complaint was submitted to the CFPB on XX/XX/year> and Equifax responded 30 days later with nothing. They pretty much said that the accounts in question have been disputed and were being processed. Well according to the FCRA, if an account can't be verified within 30 days of receiving the dispute then it must be removed. This law is in accordance to 15 USC 1681i which states that the CRA 's must reinvestigate the information within a 30 day timeframe from the time the dispute was received by them.

I feel as though Equifax is doing a very poor job of reinvestigating these disputes even with adequate amount of evidence that is being provided to them. This is unacceptable and is causing me financial stress because I am being denied for credit left and right. That is unfair to me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX of XXXX XXXX contacted me about a Mortgage product, had a short discussion with me, and proceeded to do a Credit Inquiry on XX/XX/XXXX without my knowledge.
Product: Debt collection

Eastern Collection placed XXXX on my credit report because of a doctor visit in XX/XX/2015. Agency never mailed any information about debt to my address, never knew anything about debt. Never received any communication from this agency of doctor 's office about the debt until two years later.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX Balance : {$350.00}.