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

I hereby submit this formal correspondence to contest the presence of an outdated and inaccurately reported account within my credit profile. This matter carries profound implications, as it directly implicates violations of consumer protection statutes, particularly the Fair Credit Reporting Act ( FCRA ), potentially warranting further legal action. 

Upon meticulous examination, I have identified an installment account labeled as Mohela/Dept of ED Loan , purportedly amounting to {$4500.00}, which significantly misrepresents my current financial standing. This discrepancy permeates my entire credit history, encompassing inaccuracies in Account Numbers and the deliberate concealment of vital account details. I possess substantial documentary evidence to substantiate my assertion, necessitating swift rectification. I am prepared, with legal representation, to proceed expeditiously with legal proceedings. 

**Disputed Account Information : ** - **Account Name : ** Mohela/Dept of ED Loan - **Amount : ** {$4500.00} Furthermore, the reported last activity date on this account does not align with the actual date of my last payment, resulting in a distortion of my credit record. These inconsistencies have been meticulously documented across all credit reporting agencies and will serve as compelling evidence as I undertake corrective measures to rectify the inaccuracies within my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a chapter XXXX bankruptcy being disputed on my credit report. The court ID and plaintiff are not reported correctly. I have asked over the past several years for this information to be removed from my credit report, but it has not been. Also, it has been over 7 years and the bankruptcy still shows on XXXX, Equifax and XXXX reports.
Product: Credit reporting or other personal consumer reports

I am writing in response to Reliable Credit Associations latest submission regarding my complaint. After carefully reviewing their response, I must emphasize the following unresolved issues and deficiencies in their investigation : 1. Failure to Provide Signed Documentation : Despite repeated requests, Reliable has not provided any signed agreement or verifiable proof establishing my obligation to the disputed account. Under the FCRA, creditors are required to supply specific, verifiable proof of the account, such as signed agreements or detailed account statements. Reliables failure to provide this documentation raises significant concerns about the legitimacy of their reporting. 
2. Admission of Manual Review Processes : Reliables response acknowledged that their employees review disputes manually rather than relying solely on XXXX. This admission undermines their claim that they have conducted a thorough investigation. A manual review should have identified the absence of a signed agreement or verifiable evidence supporting the accounts accuracy. The lack of such evidence indicates that their investigation remains incomplete. 
3. Ongoing Reporting of Potentially Inaccurate Information : Reliable continues to report this account to credit bureaus despite my valid dispute and the absence of required documentation. This is a clear violation of the FCRA, which mandates that only accurate, verifiable information may be reported. Without proof of my authorization, Reliable is unlawfully harming my credit profile by maintaining this account. 
4. Violation of FCRA Reporting Timeframes : Reliables response did not adequately address the accounts compliance with the seven-year reporting limit under Section 605 ( a ) of the FCRA. As I have stated, the accounts reporting period appears to exceed permissible timeframes, further rendering their reporting inaccurate and illegal. 
5. Insufficient Investigation and Resolution : Reliables reliance on vague dispute codes and incomplete investigations fails to meet the standards required under the FCRA. A thorough, reasonable investigation would have resolved this matter by either providing the requested documentation or ceasing to report the disputed account. 

Requested Resolution : Given these ongoing issues, I request the following actions : Cease reporting this account to all credit bureaus immediately. 
Provide verifiable proof of the account, including a signed agreement, if Reliable wishes to continue reporting it. 
Confirm compliance with all FCRA requirements, including accurate reporting and adherence to statutory timeframes. 

Failure to address these concerns and provide a meaningful resolution will leave me no choice but to escalate this matter further. I am prepared to pursue additional remedies, including filing a formal dispute with the credit bureaus, contacting relevant regulatory authorities, and seeking legal counsel if necessary. 

I look forward to your prompt response and resolution to this matter. 

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

I sent an administrative process to AIDVANTAGE the loan servicer for XXXX XXXX XXXX XXXX letting them know that they have unlawfully and inaccurately reported information to third party companies known as XXXX, EQUIFAX, and XXXX which have ALL hindered me from better interests rates on other products and jobs. Please see the consumer protection laws that I am including in this letter to justify my case. Also please review my documents of XXXX has agreed to remove from ALL credit reporting agencies but NAVIENT HAS NOT. THERE ARE CIVIL PENALTIES THAT I CAN APPLY FOR NON-COMPLIANCE. 15 U.S. Code 1681n - Civil liability for willful noncompliance Per the Fair Credit Reporting Act ( 15 USC 1681 ), section 602 ( a ), it underscores the imperative to ensure that consumer reporting agencies carry out their crucial responsibilities with fairness, impartiality, and a commitment to the consumer 's right to privacy. As a consumer, I affirm my entitlement to safeguard my private information, a right fortified by 15 USC 6801, which enunciates Congress 's directive that financial institutions must actively and consistently uphold customer privacy.

The term " Furnisher of information to credit agencies '' encompasses financial institutions under this title. In line with 15 USC 1681, section 604 ( a ) ( 2 ), a consumer reporting agency can only furnish a consumer report upon the written instructions of the concerned consumer. I explicitly deny consent to Equifax, Experian, and any furnisher of information to credit agencies, revoking any previous consent, whether verbal, non-verbal, written, implied, or otherwise.

Referring to 15 USC 6802 ( b ) ( c ), a financial institution is barred from disclosing nonpublic personal information to a nonaffiliated third party without elucidating how the consumer can exercise the nondisclosure option. The furnisher of information to credit agencies failed to apprise me of my right to exercise this option.

Additionally, as per 15 USC 1681C ( a ) ( 5 ), a consumer reporting agency is prohibited from including adverse information in a consumer report without authorization. The inclusion of adverse information without my permission constitutes a violation of the law. Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) A mandates that no person shall furnish inaccurate information to a consumer reporting agency. Equifax and XXXX are falling short in adhering to reasonable procedures, as stipulated by 15 U.S. Code 1681e.

Finally, according to 12 CFR 1016.7, a consumer possesses the right to opt out of reporting services at any time. I am exercising my prerogative to opt out of your reporting services. { XXXX, EQUIFAX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX } PLEASE REMOVE XXXX and XXXX XXXX XXXX XXXX from ALL CREDIT REPORTING AGENCIES and the {$130000.00} balance as they have agreed from my credit reports immediately please. It is harmful, unlawful, and inaccurate. SEE attachment of communication.
Product: Debt collection

Sent requests on XX/XX/23 and on XX/XX/23 requesting copy of signed contract from original creditor, statements showing payment history ( they claimed to have ), and any identifiable information. They sent multiple collections emails that had an, account number, amount owed, and my information. The credit bureaus just allowed it and marked it as verified. My information has been part of several data breaches that I CAN NOT KEEP UP!
Product: Checking or savings account

I received two debit cards At my XXXX XXXX with my name on it I dont know the exact date, but I only check my XXXX XXXX  frequently every few months when I contact the bank, the bank notice me that the accounts were close I recently tried to apply for a account with this bank and was denied. I got a copy of my XXXX report and it indicated that someone had opened up an account and sent it to my old address and it was sent to my XXXX XXXX I do not authorize, these two accounts open up on XX/XX/year> and XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - Account was paid in full ( for deletion ) XX/XX/2022 XXXX - Account was paid in full ( for deletion ) XX/XX/2022 XXXX - has same account listed twice XXXX XXXX - Account was paid in full ( for deletion ) XX/XX/2022 XXXX - Account was paid in full XX/XX/20XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX - Account was paid in full ( for removal ) XX/XX/20XXXX XXXX
Product: Money transfer, virtual currency, or money service

Dear paypal you previously said on this CFPB claim case # XXXX : " You will need to withdraw your funds to a XXXX XXXX. ( End of Quoting ) ... I can not put my XXXX, can you please FIX your glitch because Paypal system says : " We're sorry. We're not able to process your request right now. Please try again later. '' ( see picture attached ). ALSO I uploaded my authentic XXXX national photo ID already to comply with Paypal limitation. I just want my money to be transfer to another paypal account or to be transfer to my XXXX XXXX account, I have waited Unlawfully more than 180 days.
Product: Credit reporting or other personal consumer reports

A Home Depot card was opened under my name and it is a fraudulent account. I filed a dispute with XXXX but the disputed item was verified as accurate. 

Place : THE HOME DEPOT/CBNA XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX SD XXXX Number : ( XXXX ) XXXX Date Opened : XX/XX/year> Responsibility : Individual Account Account Type : revolving Loan Type : CHARGE ACCOUNT Balance : {$1600.00} Original Amount : {$1600.00} Credit Limit XXXX {$2000.00}
Product: Credit card or prepaid card

American Express is inaccurately reporting and effecting my score negatively because of this and my ability to gain access to credit to provide needs for myself and my family due to this matter. 

I would like the company to provide copies of : All billing statements from account opening date, a list of people you have sent my personal information to. 

The Gramm-Leach Bailey disclosures A copy of the 1099-C cancellation of debt if applicable Date of first delinquency I would like this information within 14 days in order to complete compliance Please send all correspondence regarding this matter to my address
Product: Credit card or prepaid card

I receive my Oklahoma Unemployment benefits on the Way 2 Go card. This is mandatory for all. You no longer have a choice to receive to your bank account or any other form. 

Complaint : 1. Took three weeks to receive my card. They apparently simply didnt send mine. Therefore I went without for a little minute because of the mistake. 

2. Paid {$15.00} for my card to be overnighted. Way 2 Go would say expedited but when receiving the card two days later I actually paid for overnight. Therefore they lied and this is now fraudulent since I paid for something I wasnt aware of nor did I receive. 

3. I paid and used my card for one day total before they decided to freeze my account and only pick and choose what was approved to be paid for. Which by the way was nothing. No atm withdrawls, no gas, no bills paid, no food for my family nothing. After one day total and after waiting almost a month to even get my benefits they decide to cut off my card. 

4. Fund transfers are not working. 

5. Set on hold for two hours 5 times with this company only to be hung up on when they decided this wasnt important enough for them to handle. 

6. Multiple fraudulent charges on my card now. Which I can not tell them about since they wont pick up the phone. Which by the way is also fraudulent since their rules for the card states anything fraudulent has to be called in within so many days and if not then they arent liable for 100 %. Only 50 %. So just by them not answering the XXXX phone they dont have to come my fraudulent charges!? 

7. I have set for two days trying to get this handled and they simply wont fix the card and take my calls on the fraudulent charges. So not only do I not get to use my own money because as of now they have taken it from me and wont let me touch it, they get to not comply with a nationwide order on fraudulent charges and they are stealing a government benefit?! 

Im contacting a lawyer by end of day today. Oklahoma is about to be on the map since they cant seem to figure out how to help people after they let some random company who apparently has been doing this for a few years steal their tax payers money. By the way calling the unemployment office does nothing, they tell you they can not help you. Period. End of discussion. 

Im going viral. Im going National. And Im not stopping until this is fixed and Im compensated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX Account # 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.
Product: Checking or savings account

I bought XXXXXXXX XXXX from XXXX store on XX/XX/XXXX, but I didn't receive them. The package was empty. Please refund me. Thank you.
Product: Credit reporting or other personal consumer reports

Concerns About My Personal Info Being Shared Without Permission Hello, I hope you're doing well. My name is XXXX XXXX, and I need to talk to you about something important regarding my credit report. 

I noticed that some of my personal information was shared with another party without my permission. This doesn't seem right, and I believe it goes against the rules in the law ( 15 U.S. Code 6802 ) about sharing personal information. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to know and control who accesses my personal details. The fact that my information was shared with someone not connected to your agency raises concerns about my privacy rights. I never had the chance to say no to this, which the law requires. 

I want to be clear that my concern is not with the companies I owe money to but with your agency for sharing my information without asking me. 

I checked the law ( 15 USC 1681b ), and it says you need my written permission to share my personal information. Since I haven't given that permission, I'm asking you to show proof that I agreed to it. If you can't, it might mean a violation of FCRA rules. 

I've already reported this to the Federal Trade Commission ( FTC ), and my complaint number is XXXX. I'm worried that this unauthorized sharing might be a form of identity theft ( 18 USC 1028a ). 

I officially request you to remove the following accounts from my credit report within four business days : XXXX XXXX - Account Number : XXXX ( this account has multiple errors from XXXX to XX/XX/2022, showing a repetitive late payment of 90 days, violating 15 USC 1681eb and inaccurate reporting ) XXXX Account Number XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX I have the right to fair and accurate credit reporting, and fixing these mistakes is crucial for the accuracy of my credit report. 

Also, I need you to explain how you verified that the information you have is accurate and that I had the chance to decline it. This is important for fairness and accuracy in credit reports. 

I hope we can resolve this matter within the specified four business days. If not, I might have to consider legal action. 

Thank you for addressing this promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I have never had accounts with this company DEPT ED, REMOVE from all credit reporting agencies that's reporting. 

2. " Consumer '' means any natural person obligated or allegedly obligated to pay any debt. According to 15 U S Code 1692a ( 3 ) 3. This letter is pursuing 15 U S Code 1692c ( C ) Ceasing communication 4. I am the " consumer '' mentioned in 15 U S Code 1692a ( 3 ) You are Dept ED the debt collector 15 U S Code 1692a ( 5 ) I am invoking specified remedies under U S Code 15 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to U S Code 1692 ( c ) ( 1 ) 5. I am the executor under 15 U S Code 1692c ( d ) pursing to 15 U S Code 1962d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6. According to 15 U.S Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

7. 15 U S Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8. As mentioned in 15 U S Code 1692f Unfair practices ( 8 ) 9. While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 

10. 15 US Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of- ( 1 ) ( 2 ) ( A ) ( B ) ( 3 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice of Intent Lexis Nexis a XXXX XXXX XXXX XXXX XXXX, obtain consumers personal information resells and furnishes information to consumer reporting agencies. In my case, they have obtained my Bankruptcy from XXXX, a database unethically because I was not informed. 

I was an uninformed consumer during this Transaction. 
You obtained my personal information, then sold my personal information to the XXXX XXXX XXXX. 

You are in violation of the FCRA law and Defaming my character. 
The Bankruptcy on my file in the public record section is affecting my livelihood and my character and reputation.
Product: Debt collection

In XXXX, I was incorrectly charged for liquidation damages and carpet replacement fees by XXXX XXXX ( XXXX, FL ). This account was then sent to collections, ( Fair Collections & Outsourcing Collections or FCO Collections ) for this amount and has had an adverse impact on my credit file for years. 

The charges outlined on the final account/move out statement provided by XXXX XXXX were incorrect to begin with, which subsequently made the amount of the debt in question invalid : This property was originally occupied on XX/XX/XXXX and lease renewed annually thereafter until XX/XX/XXXX. Per the lease agreement, 40 % of the carpet replacement expenses should have been charged, yet 100 % ( {$1100.00} USD ) was charged instead. ( see attached ) Per the lease agreement, a 60 day notice to vacate was needed prior to the ending of the lease in place. This was provided, but was disregarded or overlooked and the lease was renewed anyway, causing liquidated damages cost ( {$1200.00} USD ). ( see attached along with email correspondence ) In short, this account should have never been sent to collections as the amount due was inflated with incorrect costs. 

I have tried to dispute this derogatory item with creditor, collections agency and credit bureaus but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account status listed on the accounts that are marked as charge off and written off on my XXXX report DO NOT have the same status on my Equifax and XXXX credit report. Due to this conflicting and inaccurate status, these accounts should be removed from ALL 3 credit bureaus immediately. 
- ( 3 ) XXXX XXXX accounts - ( 2 ) XXXX accounts- ( 2 ) XXXX accounts- ( 1 ) XXXX XXXX account - ( 1 ) XXXX XXXX account - ( 1 ) XXXX account - ( 1 ) XXXX XXXX account
Product: Money transfer, virtual currency, or money service

I do not believe it was the company itself, but an individual named XXXX XXXX phone number XXXX XXXX XXXX XXXX XXXX, saying that they were with the Chase Fraud Department by receiving an XXXX text : " Chase Fraud Department : Did you make a transfer for the amount of {$2000.00}? Case # XXXX Reply ( YES ) or ( NO ) and a representative will reach out shortly. The first call was silenced after I replied with the NO message, followed by another XXXX  with the same exact message. After answering out of concern for my money, I was essentially asked to pull my money out for " safe keeping '' because there was possibly a bank teller giving out information at my bank by the name of XXXX and that this was a federal investigation as well as being asked to press charges. The process went as followed, staying on the phone line with them, I went to two separate Chase banks withdrawing as much as I could each time from my savings account for a total of {$38000.00} where I would take the bills to the atm, manually type in a new debit card within my phone 's " XXXX '' app and deposit the money into that card then remove the card for each separate deposit the first being {$20000.00} and the second being {$18000.00}. After that, I was told to send the money from my checking account through the Chase Bank app using XXXX to transfer the remaining {$990.00} sending the money to a phone number ( XXXX ) XXXX with registered name XXXX XXXX, telling me I would later receive an email within 2-3 minutes or days regarding everything that's been happening to have access to my money once again.
Product: Credit reporting or other personal consumer reports

did not authorize this inquiries : 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, credit repair services, or other personal consumer reports

I have a late payment on my credit report that is showing after multiple years.