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

Subject : Immediate Action Required : Unlawful Credit Reporting in Violation of Maryland FCRA Identity Theft Fraud Laws Dear LVNV funding, I am writing to bring to your immediate attention a grievous violation concerning the unauthorized reporting of information to my credit report, as dictated by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Maryland identity theft fraud laws, specifically Maryland Criminal Law 8-301 et seq.

It has come to my unequivocal attention that LVNV funding has engaged in unauthorized reporting to my credit report without obtaining my explicit consent, as mandated by federal law, particularly Section 1681b ( a ) ( 2 ) of the FCRA.

In addition to federal law, Maryland state law, specifically Maryland Criminal Law 8-301 et seq., emphasizes the necessity of consumer consent for credit reporting and outlines severe penalties for identity theft and fraud, further underlining the gravity of this matter.

I assert without reservation that I have not provided consent for LVNV funding to report any information to my credit report. This lack of explicit permission constitutes a flagrant violation of my rights, potentially causing significant harm to my creditworthiness and demonstrating a blatant disregard for federal and state laws.

I demand, with utmost urgency, that LVNV funding immediately
ceases 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 Maryland identity theft fraud laws. Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including identity theft and fraud laws. 

I wish to emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Maryland state law, and identity theft and fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, aimed at safeguarding consumers like myself from unauthorized and detrimental credit reporting practices. 

I expect your immediate attention to this matter and trust that LVNV funding will promptly rectify these egregious violations, while respecting my rights under federal and state laws. 

This communication is made in good faith. 

Sincerely,
Product: Debt collection

The company MIDLAND CREDIT MANAGEMENT did not give me the opportunity to dispute. I did not receive enough information to dispute regarding this debt. They are in violation of the Fair Debt Collection Practices Act 15 USC 1692C and 15 USC 1692d ( 1 ). Remove this account immediately from all of my consumer reports.
Product: Money transfers

On XX/XX/2017I sent money to XXXX.Western Union.didnot delivered my money as I was promised.when I called WU they hung up on me.then somebody called me about an hour later I complained to him and asked him what the problem and what is the holed up.He said he will call me back in ten minutes.no body called. On Thursday XX/XX/XXXX.I called WU to inquire about hold up, they asked for my ID and someone will call me in about three hours.no body called.this is not the 1time.this the XXXX time I get the run around.
Product: Credit card or prepaid card

My XXXX XXXX has been declined when I attempt to use it since at least XX/XX/XXXX or so. During the same time, I haven't been able to log in on their website or get through to a person on the phone. 
I attempted to pay my bill using XXXX at one point when it worked, but the payment doesn't seem to have left my bank account and XXXX no longer works. 
I was able to log in online once, saw that my balance was way off, then it kicked me out when I tried to view transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I noticed an inquiry made on  XXXX   XXXX ,  2016  under the name of  XXXX   XXXX   XXXX   XXXX .     I immediately made contact with Equifax to dispute and have this corrected. I 've been trying to have them remove this inquiry for the last couple months and each time they claim that this inquiry is correct.     I made contact with   XXXX   and informed them of the situation. They immediately apologized and informed me they would mail me a letter in regards to the inquiry with all the information needed to remove this inquiry. Once I recieved this letter, I was to fill out the bottom portion of the form and mail it over to Equifax. I mailed the letter to Equifax and have not received a reply and it has been over 30 days. I have included a copy of this letter to have this inquiry removed ASAP.
Product: Credit reporting

I received a XXXX showing the cancellation of the balance with my creditor. I disputed the information as instructed since it was still showing the full balance when it should now show as zero. I received notification 30 days later that they investigated and verified the debt. I then called them to see how that is possible since I provided the paperwork ( XXXX ). The agent said that they did n't review the paperwork since XXXX 's go to a different department. She said she would take care of it in light of the paperwork I provided but to this day, nothing has been done. I have n't even been given notification that they 're re-investigating it. They also removed my access to the website and I can not check the status. This would be the 3rd time I 've sent them verification that the debt was canceled by the creditor. Every other agency has corrected this information except for Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent : XXXX XXXX/XXXX- {$1300.00} XXXX XXXX XXXX- {$490.00} XXXX/ XXXX XXXX XXXX XXXX XXXX {$18000.00} XXXX {$6900.00} XXXX XXXX {$2100.00} XXXX XXXX- {$4400.00} XXXX- {$1100.00} XXXX XXXX XXXX - {$550.00}
Product: Credit reporting or other personal consumer reports

There were multiple attempts to try hard inquiries on the same day and same time. 

Ally Financial - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX I don't have accounts with any of these or ever was notified an attempt to work with these organizations at any point. I wouldn't ever allow these many hard inquiries in such a small period. 

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

The Following Inquiries do not belong to me : 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following account be validated or removed immediately : ACCOUNT NUMBER Amount XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} In addition , please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

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

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX unit XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 
Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXX XXXX fraudulent account XXXX  XXXX XXXX fraudulent account Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, BBB, CFPB XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had just submitted a complaint about XXXX credit reporting agency I am uploading the documentation that proves they are reporting a chapter XXXX bankruptcy on my credit report for XXXX XXXX XXXX XXXX when I never ever filed for chapter XXXX I want this removed off my credit report
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 XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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 XXXX 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

I sent a payoff to Citibank Credit Card in XXXX of XXXX it was received and posted on XX/XX/XXXX to my account. In fact a double payment was made and Citi had to issue a refund to me for the overpayment in the amount of {$12000.00} on XX/XX/XXXX. So, XXXX was held by Citi for 10 days before refunding. 
I recieved an email today XX/XX/XXXX that I have a late payment in the amount of {$6.00} which I was told by thier customer service was the finance charge from a balance transfer I had done earlier in XXXX that was not paid at the time I sent payoff to them. I was told that the account was 44 days past due and I had been reported to the credit bureau. I paid the amount ( which I should not have been charged, it should have been included in the payoff in XXXX. ) Two things... I am a XXXX XXXX XXXX XXXX XXXX and the handling of my personal credit is of great importance to do my job and is expected. I could be terminated for the XXXX XXXX XXXX 
Second I am recenlty divorced and we are in the process of selling the communial home at which time the proceeds were going to be used to pay down my current mortgage therefore lowering my monthly payment and hopefully reducing the interest rate. 
I do not qualify now because I was reported to the credit bureau by Citibank. This is unacceptable. I attempted to pay the account in full, there were more than enough funds to cover the {$5.00} they said was my carry over balance on XX/XX/XXXX ( again {$12000.00} was sent back to me on XX/XX/XXXX so this is just blantant neglegence and predatory practices on their part ; more than enough funds were availalbe to zero out my account. 
Because of their actions I can not refinance my mortgage and I could possibly lose my job in the financial industry.
Product: Mortgage

I contacted specialized loan servicing who handles my loan and ask them if they could roll one payment over to the end of the loan so I could keep up with payments. They said that would be fine then they asked if I would like a forbearance during covid until things got better, I agreed and thought it was a great option because they said that I could eventually roll the payments back to the end of the loan and start over when forbearance ended and covid was over. Unfortunately covid continued and so did the forbearance, Every time we extended the forbearance I explained to them that I wanted to make sure I could pay the payments at the end of the loan and roll them over They said it wouldn't be a problem and kept extending the forebearance. Now that I wan na go back to work in XXXX I said I wanted to end the forbearance and start paying payments.. Now they're telling me they won't roll them over to the end of the loan and want me to do a short sale.. This was not our original agreement and and they wont change there terms with a refinance or just roll them over.. I didn't do this to get kicked out of my house at the end of the covid lock down right when I'm about to go back to work. I will be contacting A mortgage attorney to address this issue If they will not rectify this problem or let 's call it miscommunication..
Product: Credit card or prepaid card

Chase Freedom misrepresented crucial acts of the money transfer by not telling me that they would not honor the normal thirty day payment period for regular transactions and start collecting interest immediately at a very high rate -- they are incredibly dishonest and misleading. I have repaid the amount in full within two weeks when I learned of this and want the charge for their fraud returned to me. Their employees officious snarky attitude drove me up the wall. I had recently changed my checking account to Chase -- it's obvious they are not the sort of people with whom I want to do business. I want everyone to be warned about Chase fraudulent misleading banking practices.
Product: Mortgage

I recently reviewed the documents from my XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX, and it looks like there were some violations of the XXXX  XXXX on the loan at closing. Please review. 
I was working with XXXX XXXX at XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I was not provided with the required final itemized disclosure of the actual fees, interest, and costs, that will be charged at closing before closing date. 
The lender did not sign a written acknowledgment as to the fair market value of the homestead property on the date of closing. 


-Also as stated before, I did not get notice of the XXXX XXXXXXXX XXXX XXXX before closing, which wouldve effected the closing of the loan. 
Sec. XXXX. XXXX OF XXXX FROM FORCED OR UNAUTHORIZED SALE ; EXCEPTIONS ; REQUIREMENTS FOR MORTGAGE LOANS AND OTHER OBLIGATIONS SECURED BY XXXX. ( a ) The XXXX of a family, or of a single adult person, shall be, and is hereby protected from forced sale, for the payment of all debts except for : ( f ) A refinance of debt secured by the XXXX, any portion of which is an extension of credit described by Subsection ( a ) ( 6 ) of this section, may not be secured by a valid lien against the homestead unless either : ( 1 ) the refinance of the debt is an extension of credit described by Subsection ( a ) ( 6 ) or ( a ) ( 7 ) of this section ; or ( 2 ) all of the following conditions are met : ( A ) the refinance is not closed before the first anniversary of the date the extension of credit was closed ; ( B ) the refinanced extension of credit does not include the advance of any additional funds other than : ( i ) funds advanced to refinance a debt described by Subsections ( a ) ( 1 ) through ( a ) ( 7 ) of this section ; or ( ii ) actual costs and reserves required by the lender to refinance the debt ; ( C ) the refinance of the extension of credit is of a principal amount that when added to the aggregate total of the outstanding principal balances of all other indebtedness secured by valid encumbrances of record against the XXXX does not exceed XXXX percent of the fair market value of the XXXX on the date the refinance of the extension of credit is made
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to remove or correct an account from Absolute Resolutions showing the account open. Absolute Resolutions requested them to correct the issue and remove the account and they have not. I contacted them via recorded call they have failed to address the issue and claimed they did not consent to recording after a statement that the call may be recorded. I would like this account closed and removed from my report as requested by XXXX XXXX XXXX To equifax . Equifax has stated in dispute that information is accurate on at least 2 occasions but can not provide proof they actually investigated it properly.
Product: Money transfer, virtual currency, or money service

My account has been locked for at least 1.5 weeks but probably longer. I started receiving login errors on XXXX XXXX, XXXX. The last time I accessed the account was on XXXX XXXX, XXXX. After numerous emails and an 38 minute phone call, Coinbase wo n't unlock it. They wont say when it was locked, why it was locked and when it could be unlocked. I just want access to my account ; to verify that my virtual currency is still in the account ( as I 've heard of numerous hacking attacks ) and to cash out some of it now. Below is some correspondence between myself and Coinbase. 

XXXX/XXXX/XXXX 1st email to support - I suspect a bot responded with a generic will look into it email. 
XXXX or XXXX 2nd email to support - No response XXXX/XXXX/XXXX - Found out they started offering phone support and called it. Consisted of 30 minutes of hold time and 8 minutes of no help by the support specialist. Support did n't know why the account was locked or when it would be unlocked. 
XXXX/XXXX/XXXX - Automated email received from Coinbase regarding some tips which does n't help my locked out problem. 
XXXX/XXXX/XXXX - problem persists with no resolution on site. 

I have exhausted all options and I 've read that this federal agency can force them to comply. I really appreciate all your help.
Product: Credit reporting or other personal consumer reports

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent inquiries in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXXXXXX XXXX  XXXX inquiry date XX/XX/XXXX XXXX XXXXXXXX inquiry date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my only loan with XXXX XXXX last month and made my first payment on XX/XX/2021 on the new refinanced loan. I had the loan moved to the XXXX XXXX  XXXX and refinanced the loan so the terms are now 12 mo at {$740.00} mo. I have made the first payment. Yet none of the credit bureaus have updated this on any of my credit reports and they still show the old loan. I want all three bureaus XXXX Equifax and XXXX all three to update and close this old loan and add the new loan. They can contact XXXX XXXX to take care of this it is their job to do so! Also Equifax website is again not allowing me to file disputes their website NEVER works they all three need to be shut down they are inept and unprofessional and do not keep our personal data secure either!!! It is the law that if I file a dispute with one bureau they are to update it with the others but they also are not doing this they are making the customer file disputes with all!! I want you to contact all three and XXXX to fix and then make them all three MAIL me paper copies of my corrected reports or I will sue them!!!
Product: Credit reporting or other personal consumer reports

My information was leaked in a data breach through Equifax, I am a victim of identity theft therefore causing incorrect accounts and information to report onto my credit report. The information which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I attempted multiple times to have these accounts deleted from my credit report and had no success. 
XXXX verified these accounts without proper investigation and identification validation.
Product: Debt collection

My name is XXXX XXXX and I am dealing with this Unauthorized collection does not belong to me, I have no knowledge about this collection accounts. 

XXXX XXXX XXXX Account Number XXXX XXXX
Product: Student loan

Navient has continued to call my mother who is in no way affiliated with the loan about payment, even after I have paid. After calling to let them know this, they said thats the number they have, even though I never gave it to them and that it takes a few days for the payment to process.