23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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.

XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

My information was mishandled, which put me at risk of identity theft along with millions of others. I am a potential victim of the recent data breach at Equifax according to their equifaxsecurity2017.com site, so I would like a resolution. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : MI XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX : {$0.00}
Product: Credit card

I have a auto-pay with Capitol One to debit my account monthly for XXXX, Capitol one does not take the money on the first but instead they linger in taking their payments and then charge me a late fee. That is ilegal and unethical and is causing my Credit to loose points every month.
Product: Credit reporting or other personal consumer reports

DELETE HARD INQUIRES In accordance with Fair Credit Reporting act, the lis of accounts below has violated my federally protected consumer rights to privacy and confidentiality un 15 USC 1681. 

The accounts below have violated my rights. 
15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604a SECTION 2 : It also states a consumer reporting agency can not furnish an account without my written instrutions.

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 ) ( a ) 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 cause to believe that the information is inaccurate. 

Please DELETE theses accounts Below : XX/XX/2022 DISCOVER XXXX XX/XX/2022 XXXX XXXX XXXX
Product: Mortgage

There have been very many complaints, too numerous to list, but below is the most recent : I filed a Chapter XXXX bankruptcy, which included the mortgage company and it discharged on XX/XX/XXXX ( I have the subject property as my primary residence since XXXX ). My Chapter XXXX attorney was not aware the XXXX XXXX XXXX Bankruptcy Court oversees a " Loan Modification Pilot Program. '' I then filed a Chapter XXXX ( Pro Se ) on XX/XX/XXXX, in the XXXX XXXX Bankruptcy Court. My Chapter XXXX case transferred to XXXX XXXX XXXX Bankruptcy Court where the Pilot Program was ( and still is ) lodged. XXXX XXXX XXXX, XXXX ( XXXX ), is this Pilot Program 's manager. I enrolled and paid to part-take in the pilot program. XXXX has been great! I submitted my second loan modification to " Selene Finance, LP '' ( servicer for beneficiary : " XXXX XXXX, XXXX, Title Trustee for XXXX '' ) on XX/XX/XXXX ( the first one I submitted was in XX/XX/XXXX- Selene never acknowledged it ). XXXX XXXX said my XXXX XXXX package did not qualify because it was incomplete ( that 's not a reason to turn down a homeowner in CA ) in which XXXX can verify my loan package was complete. Then, again, for the 2nd time, I submitted a loan package through the XXXX Portal after the " Judge ordered '' the loan process to commence ; this time it was approved. A few days later then Selene said they made a mistake and it was turned down. 
Bottomline, I will be filing a Motion for various sanctions.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  Balance Owed : {$13000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4500.00} XXXX XXXXXXXX XXXX Balance Owed : {$690.00}
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX 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 have violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I received an email the same day chime closed my account and kept my money. That was XX/XX/2024. I called and they wouldnt give me a reason they closed my account and told me I couldnt have my money. It wasnt much it was {$67.00} but they kept it with no explanation
Product: Checking or savings account

They said my check was fake and then they closed my account and i never received my money
Product: Debt collection

Collection agency keeps calling after I have asked them on several occasions to not call my cell phone. I advised them I do not have any accounts with them.
Product: Credit reporting or other personal consumer reports

As an authorized agent for XXXX XXXX XXXX XXXX, I am concerned about the negative accounts showing on my XXXX  XXXX  profile through your company with XXXX number XXXX. After thorough review, it has come to my attention that these accounts are not being accurately reported. I am requesting to dispute these accounts and have them removed from my profile. They have already been removed from XXXX 's and XXXX business credit, and I kindly ask for your cooperation in updating your records to reflect my business credit report as paid and up to date. I urge you to remove all delinquent or collection accounts from my profile and I thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I couldn't believe it when I saw incorrect accounts on my credit report this morning, and I have no idea where they came from. I check my credit report all the time, and Ive never seen anything like this. I even refreshed the page, hoping it was just a glitch, but the false accounts stayed. Im requesting that the documents Ive submitted be thoroughly examined so I can stop stressing about this issue.

I couldn't believe it when I saw incorrect accounts on my credit report this morning, and I have no idea where they came from. I check my credit report all the time, and Ive never seen anything like this. I even refreshed the page, hoping it was just a glitch, but the false accounts stayed. Im requesting that the documents Ive submitted be thoroughly examined so I can stop stressing about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote disputes to equifax and XXXX to advise them with proof I was a victim of identity theft ( police report, FTC complaints and all personal info of mine ) that I am a victim of identity theft and that the fraudulent items I circled are not mine and to remove them according to the fcra 605b they are to do so immediately as they are not mine and are fraudulent. Both XXXX and equifax has refused to follow said laws and left said items in my reports refusing my numerous disputes to the company over the past 2 plus years. I want these companies held accountable as my credit has suffered I have been refused employment and insurance due to these companies negligence. I eant items removed immediately and I am retaining an attorney to file criminal charges in court if this is not removed at once.
Product: Checking or savings account

I need to fund {$50000.00} to my new account in another bank. On XX/XX/2023, I requested a wire transfer of {$50000.00} to my XXXX XXXX XXXX. XXXX account. The next day on XX/XX/XXXX, the wire transfer was reversed. I was told I could only transfer back to my original funding account, which is absurd and does NOT appear in any policy or agreement. Then, I requested a wire transfer of {$50000.00} to my XXXX XXXX  XXXX account on XX/XX/XXXX, from which I funded {$50000.00} back in XXXX. It was reversed again the next day on XX/XX/XXXX. XXXX Bank just would not let me transfer my money out!
Product: Debt or credit management

XXXX card - charged off -fraud -in litigation XXXX XXXX XXXX XXXX off -fraud -in litigation XXXX XXXX xharged off XXXX XXXX litigation new wave card -charged off -fraud -in litigation After speaking with the IRS, they stated that all charged off accounts XXXX XXXX is canceled debt and ordinary income as these companies filed these on their taxes so why is it on my credit report I shall receive a 1099c from these companies regardless. They cant file these as charge offs and report debt at the same time this is illegal These inaccuracies shall not be on my credit report as debt. My rights are being violated per! 5 USC 1681e ( d ), violation of US Cide 1681, Violation of Us Code 1681 I ( 5 ) ,15 USC 1692 G Please delete these accounts
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Removal of Fraudulent Accounts from Credit Report and Immediate Blockage under 15 U.S. Code 1681c-2 Dear XXXX, I am writing to you with a request under the provisions of the United States Code Title 15, Section 1681i, which empowers consumers to dispute inaccurate or fraudulent information in their credit reports. There is information on my consumer report that I did not provide written permission, instructions, or consent to be reported on my consumer report as a result of identity theft. Therefore, I am formally requesting that the reporting of this inaccurate and fraudulent information be blocked and deleted. 
My request for the blockage and deletion of this data is not a mistake, nor is it founded on any misrepresentation of facts on my part. I am committed to ensuring the accuracy and integrity of my credit report, and as such, I am rightfully seeking the removal of these wrongfully attributed transactions. It is crucial to clarify that the transactions identified in my report are in no way associated with any of my legitimate financial activities. As the victim of identity theft, these transactions do not represent any transaction undertaken by me as the rightful consumer. 
In accordance with the Fair Credit Reporting Act, I am entitled to a fair and accurate representation of my credit history. I kindly ask that you investigate this situation promptly and take the necessary steps to remove the fraudulent accounts from my credit report. I understand the importance of a correct credit profile and its implications for my financial well-being. 
Enclosed with this letter are copies of documents substantiating my identity and the fraudulent nature of the reported transactions and trust that these documents will provide the evidence required to facilitate a swift resolution of this issue. I kindly request a written confirmation once the fraudulent accounts have been removed from my credit report. 
The identified transactions are not information related to any transaction by me as the consumer and must be deleted and removed from reporting on my credit report : XXXX XXXX XXXX Acc # XXXX, ACCOUNT XXXX  XXXX  XXXX account # XXXXAcount XXXX  XXXX  XX/XX/XXXX inquiry In accordance with the regulations stipulated in 15 U.S. Code 1681b, governing the permissible purposes of consumer reports, I hereby demand the immediate removal of all inquiries not initiated by myself from my credit reports. Specifically, the following inquiries are unauthorized and must be promptly deleted : You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

American Credit acceptance is who our car loan is through. They have the following message listed on their website : When you call to let them know that you are having difficulty due to COVID-19 they tell you that you have to go through approval to get any type of assistance. The only assistance they are willing to assist with is not reporting any late payments to the credit bureaus. They told me that because my son and I are working some hours and bringing in some sort of income there is no reason why we cant pay the car payment. They have called my son repeatedly and threatened to repo the car because he is half a payment late. When I asked them about this, they told me that they are allowed to use this method to get a payment. The below information is completely false and they are not willing to assist their customers. We were told that the calls will continue until we are caught up and they will not stop. If you review their XXXX reviews and XXXX reviews there are multiple people who are reporting the same information. 

As a valued customers who may be affected by the COVID-19 virus, our immediate concern is for you and your family. Please take precautions to protect yourself and your loved ones. If you encounter financial difficulties as a result of this virus, we encourage you to go contact us at XXXX to discuss options available to help with your individual needs. 

The health and wellness of our associates is also of paramount importance. We ask for your patience should you experience longer than normal hold times. Our goal is to serve you as efficiently as possible. We encourage you to utilize our customer portal through our website at myloan.acacceptance.com to manage your account and to make payments online
Product: Student loan

In 2015 when I was XXXX  with a high risk medical condition Navient steered me into forbearance as opposed to a {$0.00} IBR payment option that was available to me. I have been continuing discussions with a Navient Advocate who is deceptive and strings me along with no response. Ive asked for the recordings of my calls and Navient refuses to give them to me that prove their deceptive trade practices. I have everything in written emails.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldn't be on my credit/consumer report. 
CHAPTER XXXX BANKRUPTCY Case Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete this account. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Delete this account. 


5. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS CAPITAL XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 9. 15 U.S. CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX FINANCE C Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 


15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX & XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Checking or savings account

I am a capital one 360 account holder, I been saving with them for over XXXX years, I even have direct deposit with them also, My " premier '' savings account I believe has been shorting me on my interest, I have over XXXX there since XXXX, I now moved half to XXXX XXXX. Everytime I figure interest it's always seems to be short only by {$10.00} to {$20.00} dollars give or take, is there anyway you can help me with this? I'm sure I'm not the only XXXX. Looking foward to hearing from you. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card balance is not getting regularly updated with Equifax, XXXX, or XXXX even though XXXX XXXX XXXX XXXX is submitting the information monthly. It is XX/XX/XXXX, but my account balance on my credit reports show that they have not been updated since XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

Late payment added to my credit report without consent or notification. Investigation was improperly completed.

Late Payment Policy Verbiage for 15 USC 1666b ( Prompt Crediting of Payments ) : Under 15 USC 1666b, creditors are required to credit payments promptly to your account on the date they are received, as long as the payment complies with the creditors reasonable payment processing requirements. In cases where payments are not properly credited due to an error or delay by the creditor, late fees or penalties may not apply if the payment was sent on time.

If payments are not made in accordance with the creditors specified requirements ( e.g., correct account number, address, or payment method ), the creditor may apply a late fee in compliance with their terms. Ensure you carefully review the payment instructions provided to avoid unnecessary fees or complications.

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