23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached XXXX FTC reports with accounts and inquiries I did not authorize, please delete as they are affecting my life
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Saint Louis Missouri Laws Dear SELF / LEAD, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity theft and fraud laws in Saint Louis , Missouri.

It has unequivocally come to my attention that SELF / LEAD has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law also emphasizes the necessity of consumer consent for credit reporting. Missouri 's identity theft and fraud statutes underscore the severity of unauthorized access and misuse of personal information. 

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

I demand, with the utmost certainty, that SELF / LEAD 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 Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that SELF / LEAD will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Debt collection

I am writing to formally dispute the collection account referenced above, which is currently reported on my credit report. This account contains inaccurate information that needs to be addressed promptly. 

1. Request for Creditor Information ( 15 USC 1692g ( a ) ( 2 ) ) : Pursuant to 15 USC 1692g ( a ) ( 2 ), I am demanding that you provide me with the name of the original creditor for this account. 

2. Request for Amount and Calculation of Debt ( 15 USC 1692g ( a ) ( 1 ) ) : Pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt. Specifically, I need a detailed breakdown of how the {$440.00} balance was calculated. This request is strictly for the validation of the amount of the alleged debt under 15 USC 1692g ( a ) ( 1 ). 

3. Method of Verification and Reinvestigation Procedure ( 15 USC 1681i ( a ) ( 7 ) ) : Under 15 USC 1681i ( a ) ( 7 ), I am requesting a description of the reinvestigation procedure used to verify the accuracy and completeness of the information reported. This should include the business name, address, and, if reasonably available, the telephone number of any furnisher of information contacted in connection with this information. This description must be provided within 15 days of receiving this request. 

Here are the specifics of the disputed information : Account Type : Collection Account Type - Detail : Collection Bureau Code : Individual Account Status : Derogatory Date Opened : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( Experian ) Balance : {$440.00} High Credit : {$440.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements ; Customer disputed account - reported by subscriber ; Account seriously past due/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Date Last Active : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( Experian ) Please find enclosed copies of documents supporting my dispute, including : A copy of my credit report highlighting the collection account in question Any previous correspondence regarding this matter I request that you conduct a thorough investigation of this dispute and provide me with written confirmation of the removal of this collection account from my credit report. Additionally, please send me a corrected copy of my credit report upon completion of your investigation. 

Thank you for your prompt attention to this matter. I look forward to your immediate response.
Product: Credit reporting or other personal consumer reports

This morning, I discovered that my credit report contains inaccurate accounts, and I have no idea why. I regularly review my credit report, but this time, I noticed unexpected discrepancies. I even refreshed my browser to see if it might be a glitch, but the inaccuracies remained. As a result, I am requesting that the documents Ive submitted be carefully reviewed so I can avoid worrying about this issue in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander is reporting false information on my credit report called them and let know they refuse to deal with it is keeping me from getting a home because of the car on my credit report.
Product: Mortgage

We applied for a modification and they kept giving us the run around. Saying our names didn't match our check stubs. We even highlighted our names on them and resubmitted. Company is Select portfolio servicing. Then as we are trying to get a modification they send us a notice saying they sold our loan to XXXX. Then we get foreclosure notices.
Product: Payday loan, title loan, personal loan, or advance loan

I have agreement with ZIP Co and they are in breach. I have been using ZIP Co for many months for business transactions buy now and pay later in installments. I am now being blocked from continuing further transactions without an explanation. I have repeatedly tried to resolve this issue with customer service reps. ZIP Co has collected my personal info including bank info as part of agreement. They are restricting me without cause or valid claim. I have purchasing power that I'm unable to use and I'm given the reason is my credit report is frozen. THIS IS NOT TRUE AND HAS NOT BEEN TRUE SINCE USING ZIP. I have brought this to they're attention and they are refusing to fix the problem. They have refused to contact me after numerous requests.
Product: Credit reporting or other personal consumer reports

The company is Affirm Loan # XXXX XXXX and XXXX for XXXX XXXX XXXX. 

They reported to credit bureau that these accounts were 30days past due. These accounts were NEVER 30 days past due. 

Account XXXX was paid in full in XX/XX/XXXX and last payment made on XX/XX/XXXX. 

Account XXXX next payment of {$83.00} is due on XX/XX/XXXX. XXXX payment had been made and credited. 

I have tried reasoning with this company for months regarding them applying my payments to the wrong accounts and then them calling me for an additional payment instead of correcting their mistake. Any help you can give would be appreciated greatly.
Product: Mortgage

I applied for the mortgage in XXXX. I asked through email for an update and never receive one. I also called multiple times and never received a response. It is now XXXX with no response.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  ) Account Number : XXXX
Product: Credit card or prepaid card

I am XXXX XXXX XXXX, XXXX. I am the beneficiary of the account held with discover under the name XXXX XXXX or any derivative thereof. I have tried to resolve this issue with Discover but to no avail. I will be forced to bring suit against Discover within 10 business days from this notice if they do not reach out to me and try to resolve the issue. This will serve as notice and be used as evidence if the issue has not been resolved in the allotted time.
Product: Credit reporting, credit repair services, or other personal consumer reports

My family is attempting to transfer our wireless telephone service from my mother 's name into my name in order to receive a discount through my employer. However, XXXX XXXX XXXX is requiring an astronomically high deposit of {$500.00} per line, totaling {$2000.00}, to perform this simple task. 

I have been referred by XXXX XXXX XXXX many times to contact Equifax, the bureau that they reportedly pull their credit reports from, to see what could be negatively affecting my credit, but they repeatedly tell me : " it looks like you have excellent credit ''. Despite the fact that I have excellent credit ( FICO score of approximately XXXX ), XXXX XXXX XXXX insists that my credit score is in their lowest credit class XXXX XXXX XXXX XXXX. This directly contradicts correspondence that I have received from XXXX XXXX XXXX by mail, stating that I have a score of XXXX of XXXX, and no key factors are affecting my credit adversely ( see the attached document ). 

I have attempted to resolve the issue with XXXX XXXX XXXX customer service directly on numerous occasions over the past week, and wasted hours upon hours of my time. I have been hung up on repeatedly after being placed on hold for times ranging from XXXX minutes to XXXX hour and XXXX minutes. No one I have spoken to seems to want to look into the issue, and I am repeatedly told " that 's what the system says '', when asked why I am being required to pay such an absurdly high deposit despite my excellent credit. I am growing vehemently frustrated with the poor quality of XXXX XXXX XXXX 's customer service and their apparent predatory deposit practices. I can not emphasize enough the anger I feel at the amount of time I have wasted trying to resolve this issue with XXXX XXXX XXXX directly. I feel as if I am being discriminated against, based on the fact that I am attempting to get a legitimate discount through my employer, despite the fact that my family has been a customer of XXXX XXXX XXXX 's for over 18 years. 

After asking COUNTLESS times, no one at XXXX XXXX XXXX or Equifax is able to provide me with a specific reason why these excessive restrictions are being placed on me. As I understand it, this in itself is a violation of the Adverse Action Notice section of the Equal Credit Opportunity Act. 

Taking this issue to a regulatory agency was not my first choice, but I have exhausted all other means of resolving the problem through XXXX XXXX XXXX and Equifax, and it is obvious they do not want to help me.
Product: Vehicle loan or lease

The Bureaus did not properly investigate my account with ALLY FINCL XXXX because incorrect information is reported on this account. A lot of errors in terms of the remarks. The date of the last activity is being reported on the year XXXX but thhe payment history is on XXXX. Also, No 120 days record was found prior to getting the account to be a charge-off. This company is re-aging my account. Moreover, the account has an exact balance which is totally wrong if the account is in fact to be a charge-off. The entire remarks for this account do not concur with each of the information.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX XXXX XXXX XX/XX/year> Midland Credit Management Inc. 
XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, MI XXXX Dear Midland Credit Management, I am writing to dispute the recent collection activity on my account, referenced by XXXX. I am deeply concerned about the legality of this collection, and I request your immediate attention to this matter. 

Upon reviewing my records, I have not been provided with proper validation of the debt in question, as required by the Fair Debt Collection Practices Act ( FDCPA ). I am entitled to receive verification of the debt, including the original creditor 's name, the amount owed, and the details of any transactions related to this debt. 

Additionally, I have not received any communication from your agency prior to this collection attempt. According to the FDCPA, debtors have the right to be informed about the debt and given an opportunity to dispute it before any collection activity begins. This lack of communication raises serious concerns about the legality of your collection efforts. 

I request that you cease all collection activities on this alleged debt until the necessary documentation and validation are provided to me. Failure to comply with this request will result in my filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing any available legal remedies. 

Please respond in writing within [ 15 days from the date of this letter ] to address my concerns and provide the requested information. Your prompt attention to this matter is appreciated. 

Sincerely, XXXX XXXX
Product: Credit reporting

My complain is not against any financial institution reporting accounts updates to credit bureaus, but against XXXX. It is clear at this point that XXXX has a serious issue at its process/computer system since the same update sent to all credit bureaus just got the erroneous status at my XXXX credit report. Here is the issue : I got a bankruptcy case filled on XXXX ( chapter XXXX ), which I got dismissed on XX/XX/XXXX, so currently no further information about this case should be present in my credit report. 
What happened XXXX already this year with different financial institutions were XXXX accounts reported as closed and no matter if this account was part of the chapter XXXX case mentioned here or not, XXXX included this update in my report as a derogatory/adverse account, even with the " Pay Status '' listed as " Current ; Paid or Paying as Agreed ''. 
XXXX is taking the remarks in the accounts, where the bankruptcy is listed, and based on the closing date is considering the occurrence as a new/current bankruptcy case and list the account as adverse, with the date to be removed XXXX years from the account closing date reported. 
Contacting XXXX is the most painful process ever. The call is answered oversees by customer service representatives that work based on the script they have been trained without any deeper knowledge about the credit report info and bankruptcy rules in US. I started a dispute via online process, submitted all the necessary documentation, got the account fixed in my credit reported as expected, but after XXXX days the same account was listed as adverse again. After several calls I finally was able to talk to a supervisor here in US, but instead of understanding the issue and acknowledge as a XXXX issue, the supervisor requested a communication from the finance institution to fix the account in my report, basically removing the account from my report. I got the first financial institute account reporting fixed and my FICO was calculated correctly. 
Now, another closed account reported end up listed as adverse again and I started another dispute process, where XXXX still not fixing the error on its said and still contacting the financial institution as part of the dispute, like the error was related to the account reported and not on the way XXXX is erroneously processing/listing the account update in my report. 
For this reason I decided to contact CFPB and put a complaint against XXXX. My next step will be look for legal assistance to take any possible action against the burn XXXX is causing to FICO / credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion knows someone has been trying to open accounts in my name Despite sending them several police reports and letters from the companies themselves, they continue reporting information that does n't belong to me, such as  XXXX   XXXX ,  XXXX  and credit inquiries. i have n't authorized any credit inquiries in the last 3 years and none listed are covered under fair use, yet they refuse to remove them saying my documentation is n't adequate.
Product: Credit reporting or other personal consumer reports

XX/XX/year> NAVY FEDERAL CREDIT UNION XXXX XXXX XXXX XXXX, VA XXXX Re : Request for Account Details- Acct # Ending in XXXX Dear Sir/Madam, I am inquiring for more details on the above referenced account for clarification. This is not a dispute. 

1. Full accounting and 1099c ( any tax details filed for Charge-off ) from NAVY FEDERAL Credit Union to the Internal Revenue Service . 

2. The date this account was charged off. 

3. The date last payment was completed. 

4. The date of first delinquency. 

All information should be sent in writing to my mailing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX In the event there is any further required authorization, feel free to let me know. 

Sincerely, XXXX XXXX
Product: Debt collection

I have an unverified account from CREDIT MANAGEMENT. I had previously disputed this account. I have never done business with CREDIT MANAGEMENT. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CREDIT MANAGEMENT provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CREDIT MANAGEMENT Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile.under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late payments from my account : XXXX XXXX
Product: Mortgage

Trinity Financial Services , LLC located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX and their number is XXXX : ( XXXX ) XXXX. They hold a XXXX mortgage on the property. There is a senior lien on the property from XXXX XXXX XXXX, XXXX and they have approved short sale on the property which expires on XXXX/XXXX/XXXX. As of XXXX/XXXX/XXXX i was advised by Trinity Financial Services , LLC that the investor on the mortgage have approved a short sale offer for {$8200.00} to close the short sale.Alos, advised please provide acceptance or decline by XXXX/XXXX/XXXX at XXXX, which the oofer acceptence email was sent tot hem the same day on XXXX/XXXX/XXXX. Since, then every time they are being called for update they are providing the same response for the past 15 days that the approval letter needs to be signed by their upper management and its not signed. Every time, when a call back is being requested from the supervisor the call is not being returned and they hang up the phone.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report from TRANSUNION on XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached the evidence. 

1. XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B 2. XXXXXXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B 3. XXXXXXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B 4. XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B 5. XXXXXXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B 6. XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B
Product: Checking or savings account

On XX/XX/year>, I requested verbal confirmation from a support agent regarding the location/accessibility of my documents to people within the Ally organization, and other than a vague mention of " the back office '' ( who I was not able to speak to directly ), he was unable to confirm which department or persons were able to access my documents. In fact, not only could HE not see/validate that my documents had been uploaded into the Ally banking portal, he was unable to confirm where within the organization my documents were being hosted. 

He also was unable to confirm what had happened to the documents I uploaded on XX/XX/XXXX, and asked me to reupload them today. I did so, but I am no longer sure I can trust this organization to know where my documents are or to ensure they are not released outside the organization. This lack of transparency flies in the face of what GLBA and such federal laws were put in place to do : to protect my PII and PCI, and to protect my right to know what is happening with that information.