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

I sent letters to XXXX, XXXX, Transunion to dispute inaccurate items such as my name, addresses, phone numbers, closed accounts, social security numbers, open accounts on my consumer report asking that they be investigated and removed all derogatory accounts XXXX, XXXX, Transunion has violated my rights according to the law 15 U.S. CODE1681 section 604 A section 2 ) the law states that the reports from XXXX, XXXX, Transunion has to be 100 % accurate. Also they have violated my rights according to 15 U.S. CODE1681 section 611 ( 5 ) ( a ) ( i ) ( ii ). The law states that if items are found to be inaccurate are can not be verified the consumer reporting agencies shall promptly DELETE the information from my consumer file.
Product: Credit reporting, credit repair services, or other personal consumer reports

in Accordance with the fair credit reporting Act 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15U.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 : USBK COURT XXXX XXXX  XXXX XXXX XXXX BANKRUPTCY DISMISSED/CLOSED XX/XX/XXXX has violated my rights in Accordance with the fair credit reporting Act : USBK COURT XXXX XXXX XXXX XXXX XXXX BANKRUPTCY DISMISSED/CLOSED XX/XX/XXXX has violated my rights in Accordance with the fair credit reporting Act : USBK COURT XXXX XXXX XXXXXXXX XXXX XXXX BANKRUPTCY DISMISSED/CLOSED XX/XX/XXXX has violated my rights in Accordance with the fair credit reporting Act : XXXX XXXX XXXX XXXX  Account number XXXX has violated my rights
Product: Credit reporting or other personal consumer reports

Letter to CFPB Exposing Consumer Santanders Deceptive and Inaccurate Reporting Practices Subject : Formal Complaint Against Consumer Santander for Deceptive Reporting Practices and Violations of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am filing this formal complaint to bring attention to Consumer Santanders deceptive, inaccurate, and unlawful credit reporting practices. Their actions have caused significant harm to my creditworthiness, capacity, and financial reputation. Specifically, they have engaged in practices that demonstrate clear intent to mislead and violate my rights under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. THE FOLLOWING ACCOUNTS WERE USED UNAUTHORIZED. REMOVE IMMEDIATELY THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

XXXX is continuously updating the date of last activity every single month on these collection accounts. It is clearly obvious that you are prolonging the statute of limitations for these accounts to make them last longer on my consumer report. The date last activity on Equifax is XX/XX/XXXX. The date of last activity on XXXX is XX/XX/XXXX and Im sure you will change it the next month. Im not sure if XXXX has some type of business relationship with the collection agency but I am not happy that they are changing the date every month. This account was put on my report XX/XX/XXXX and they are making this account look newer than what it really is which is false and misleading. On XXXX and XXXX the account states that the account is Paid and in collections and on Equifax it states that the account is closed and late 120 days. XXXX and XXXX states that the accounts last payment was dated XX/XX/XXXX, while Equifax states last payment was XX/XX/XXXX. 

According to the 15 U.S.C 1681 law there should only be accurate information on my credit report. Transition refuses to correct the incorrect information on my credit report. Thus damaging my reputation and character. Failure to properly investigate or not making necessary corrections after an investigation constitutes a violation.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my XXXX bureaus consumer report and there are inaccurate accounts, and DUPLICATE... 

XXXX XXXX Balance Owed : {$950.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This communication is in response to Complaint ID : XXXX with XXXX XXXX. I have received correspondence that XXXX XXXX and they didn't receive any verbal nor written agreement from the original creditor in order to validate the debt as being mine, however I have stated that I don't recall owing them anything, and it is still showing on my report.

This is a clear violation of my rights under the Consumer File Rights, Fair Credit Reporting Act, as well as the Fair Debt Collection Practices Act. If they aren't able to validate the debt, then they need to remove the item from my credit.

As a matter of fact, I see another company on my XXXX  credit report that appears to be collecting the same debt. I'm not even sure what this debt is, neither am I sure of whom I'm supposed to be dealing with in regard to its resolution. 

This item doesn't have enough support to validate being mine, let along negatively impacting my credit report.
Product: Student loan

I wanted to make payments but they said I did not qualify for a payment plan because my income was to low so they sent me papers for a forbearance.
Product: Debt collection

Call is for my XXXX year old mother who is in a XXXX home and is XXXX pending XXXX calls a night from XXXX XXXX '' XXXX.FMS Financial
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.u.s.u. 1681. 
Account Name... ..XXXX XXXX XXXXXXXX ... Account # XXXX Account Name ... XXXX  ... Account # XXXX ... Account Name.XXXX XXXX XXXX XXXX... Account # XXXX ... Account Name.. XXXXXXXX XXXX XXXX Account # XXXX ... Account Name... XXXX XXXX Account # XXXX ... Account Name ... Dept of ed/XXXX  ... Account # XXXX ... 
Account Name ... Dept of ed/ XXXX .... Account # XXXX .... Account Name... XXXX of edXXXX XXXX .... Account # XXXX ... # XXXX .... Account Name... XXXX XXXX .... Account # XXXX .... Account Name... XXXX, XXXX .... Account # XXXX ... 
Account Name... XXXX XXXX XXXX... Accoun # XXXX Account Name .... XXXX XXXX... Account # XXXX ... .. Account Name ... XXXX  .... Account Name... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 u.s.c 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions...

15 u.s.c 1681 C. ( 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 than seven years..

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

SunTrust Mortgage issued an escrow refund check with the incorrect bank account information. The refund check bounced at my bank due to the error. I have contacted SunTrust three times to have the bank charge reprocessed and was informed the issue is being addressed by leadership with no estimated time this issue will be resolved. I requested follow up with leadership and was informed they could not be contacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion tricked me into signing up for recurring charges.
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 XXXX  # XXXX, Account name : 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 an 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: Debt collection

Subject : Violation of Rights Under the Fair Credit Reporting Act Dear Global Leading Services, I am writing to formally address a violation of my rights under the Fair Credit Reporting Act ( FCRA ). According to 15 USC 1681, Section 602, I have the right to privacy regarding my credit information. Additionally, 15 USC 1681, Section 604 ( a ) ( 2 ) specifies that a consumer reporting agency can not provide my account information without my explicit written consent.

Furthermore, under 15 USC 1666b, it is stated that a creditor can not classify payments on a credit auto loan account under an open and consumer credit plan as late for any purpose.

Please investigate this matter and ensure that my rights are upheld in accordance with the law. 

Thank you for your attention to this important issue. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Back of XX/XX/2022 my credit inquiry from XXXX XXXX XXXX was ran. This should not be showing up still on my report. Please, I'm asking for it to be removed asap. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into an unauthorized hard inquiry on my Equifax credit report. I discovered this inquiry while reviewing my credit report and believe it was conducted without my knowledge or consent. 
The details of the inquiry are as follows : Date of inquiry : XX/XX/year> Creditor/ Company name : XXXX I did not authorize Equifax or any affiliated party to access my credit report, nor did I initiate any transaction, application, or business relationship with this company that would warrant a hard inquiry. According to the Fair Credit Reporting Act ( FCRA ), only inquiries authorized by the consumer are permissible. 
I have already contacted Equifax and XXXX regarding this issue and have not received a satisfactory resolution. Therefore, I am seeking your assistance in removing this unauthorized inquiry from my credit report. 
I request your prompt attention to this matter, as unauthorized inquiries can negatively impact my credit score and financial standing. Please let me know if you require any additional information or documentation to assist in your investigation. 
Thank you for your time and assistance. I look forward to your response.
Product: Debt collection

I have submitted all the proper supporting documents to the credit bureaus i have been fighting this fake debts for years. Under the law i want a verified letter showing my actual signature not anything made up or e sign which can be faked. I have notied XXXX XXXX XXXX XXXX  to remove and block the original creditor.
Product: Debt collection

I have asked SPS to stop calling me in writing via USPS certified mail on XX/XX/2019.SPS  called me after the received my request to stop calling. This is a violation of the California Rosenthal Act which entitles me to {$1000.00} plus my attorney fees. I have attached proof that I revoked consent, proof they received it onXX/XX/2019, and proof they called post-revocation onXX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

so I sent a letter off on XX/XX/2022, to remove personal information that I dont that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. According to 15 USC 6802. no financial institutions is not supposed to share my to third party companies. 

these are clear violations of my consumer rights.
Product: Credit reporting or other personal consumer reports

I sent this to XXXX within the last three weeks. Apparently they lost and mishandled my personal sensitive information or they intentionally discarded it to stall the accurate reporting of my credit report. Whether by incompetence or deceitful practices please don't lose it again. This should be the simple part, not the time wasting, stall tactics being implemented here. You have now sent me XXXX request for this information, and I granted your request after your first letter. I can look through my records if I have to but I sent this around the XXXX or XXXX of XXXX of 2024. I have now received notice XXXX and XXXX for the same info, they both came today XX/XX/XXXX, post dated XX/XX/XXXX and XX/XX/XXXX. I usually give benefit of the doubt, but from my recent dealing with the credit agencies, this is unacceptable and it's clear from conversing with their agents and " specialist '' that they are ok with reporting and maintaining inaccurate information on my credit report and giving me the run around in fixing them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent letters to the credit bureaus requesting that accounts on my credit file be investigated. USPS Tracking numbers for the letters are as followed : ( XXXX, XXXX, XXXX ). After waiting and finally receiving the results of the investigation I noticed that on an updated credit report these accounts were still showing inaccurate information. The credit bureaus stated they did complete investigations, but how is this possible when information on the same account is different amongst the three bureaus? 

XXXX XXXX # XXXX How is this account accurate when the Last Verified, Date of Last Activity, Date Reported, Date Opened, Balance Owed, Closed Date, Account Rating, Last Payment, and Past Due Amount are clearly inaccurate? This is grounds for removal. 

US DEPT of Education # XXXX How is this account accurate when the Last Verified, Date of Last Activity, Date Reported, Date Opened, Last Payment are clearly inaccurate? This is grounds for removal. 

US DEPT of Education # XXXX How is this account accurate when the Last Verified, Date of Last Activity, Date Reported, Date Opened, Last Payment are clearly inaccurate? This is grounds for removal. 

XXXX # XXXX How is this account accurate when the High Balance, Last Verified, Date of Last Activity, Date Reported, Date Opened, Closed Date, and Last Payment are clearly inaccurate? This is grounds for removal. 

XXXX XXXX XXXX # XXXX How is this account accurate when the High Balance, Last Verified, Date of Last Activity, Date Reported, Date Opened, and Last Payment are clearly inaccurate? This is grounds for removal. 

XXXX XXXX # XXXX The credit bureaus have violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instruction.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states if items are found inaccurate of can not be verified, the consumer reporting agency shall promptly delete the information from the file of the consumer. 

Attached will be the certified mail receipts, proof of purchase, the letter, XXXX Credit Report, investigation results, XXXX Credit Report.
Product: Mortgage

Yes, my name is   XXXX   XXXX   XXXX   XXXX   I am a   XXXX   XXXX      XXXX   XXXX   and have and am currently being harassed by the   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX , Alabama,  XXXX . The policy I have with them falls under  USAA Federal Savings  Bank  XXXX   XXXX  Wind and Hail. Since I bought my house at  XXXX   XXXX   XXXX ,  XXXX  Alabama  XXXX , on or about mid-  XXXX   XXXX  - I have received on a frequency of about one a month correspondence from the Alabama  XXXX   XXXX   XXXX   out  of  XXXX   XXXX  AL, requesting various information, that I have had to have  USAA Federal Savings Bank handle,  repeatedly. This year alone (   XXXX   ) I have received  XXXX  letters from the Alabama  XXXX   XXXX   XXXX , most recently threatening to cancel my Insurance, unless I provide yet more information. This is simply harassment. If I lose my insurance my mortgage will be foreclosed! I have asked  XXXX   XXXX   XXXX  Bank numerous times to fix this- obviously to no avail. On,   XXXX   XXXX   XXXX   I spoke with a  XXXX  at  USAA,  who claimed she could not in fact contact this agency in Alabama, despite other  USAA  agents who could. Now oddly, the Probate Judge of  XXXX   XXXX , Alabama, where I reside,  XXXX   XXXX , was the Mayor of  XXXX  Alabama, who left this position under dubious circumstances. Also  XXXX   XXXX  is a big time or was a big-time player in the Insurance industry here in  XXXX   XXXX  and the State of  XXXX  with links to corrupt officials like the former Governor  XXXX   XXXX  who utilized State law enforcement to intimate citizens. Oddly, I have had unpleasant dealings with him recently, in his capacity of  XXXX   XXXX , when he in fact has no formal legal training. He committed me because I found some supposedly counterfeit money, but in reporting it supposedly highly upset someone in local  XXXX   XXXX ! This is despite following law-enforcement personnel guidance and direction to the letter! I have also had undue issues with the  XXXX   XXXX   XXXX   XXXX  which  XXXX   XXXX   XXXX  know intimately, in addition to the local Department  XXXX   XXXX   XXXX   XXXX  Now I do not know if these entities are linked, or not!?!? However, I would highly suggest, that all parties aforementioned are looked into for any sort of possible collusion in this matter, as I know of no one else that has had all of these issues- and for as long, with no end in sight. Also, a former big-shot from  XXXX   XXXX  lived ( and still might ) in my sub-division of  XXXX   XXXX ,  XXXX , AL. I am so exasperated that I have told USAA that I do not care if my mortgage is foreclosed if I lose my insurance. Thank You for any attention in this matter.  XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. 

Details are as follows : collection/charge off XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX CARD Account Number : XXXX late payment XXXX XXXX XXXX personal information Previous Address ( es XXXX : XXXX XXXX XXXX, CA XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Current XXXX ( es ) XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) XXXX X CANCEL XXXX XXXX, CA
Product: Debt collection

This company or misreporting my payment history to the credit bureaus and his hurting my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached documents show XXXX failed to live up to the terms of the XXXX for my Private Student Loans they acquired from XXXX. 
XXXX. XXXX XXXX XX/XX/XXXX response to CFPB ( page 17 of doc ) explains the loans were in deferment XX/XX/XXXX- XX/XX/XXXX and as such " they did not provide statements. '' Page 14 of the attached doc ( p. 4/6 of XXXX ) clearly states repayment conditions. Among these are : 1 ) I may, but am NOT required to make payments during deferment/forbearance periods, 2 ) XXXX  was to have supplied statements during the deferment period to keep me abreast of interest accrual and outstanding balances ; 2. XXXX XXXX XX/XX/XXXX states XXXX and XXXX subgroups were in a disaster forbearance that was retroactively applied from XX/XX/XXXX thru XX/XX/XXXX. Therefore no derogatory history should report period ; 3. XXXX erroneously charged off an account that had been in forbearance and/or deferment BEFORE the due date for the statement generated XXXX XX/XX/XXXX ( see p. 23 - 24 ) Thus, XXXX improperly billed and reported inaccurate payment history to the CRAs and violated terms of the MPN because XXXX failed to deliver statements during the deferment and/or forbearance period ( s ). These types of violations are consistent with the haphazard processes that led the CFPB to issue consent order XXXX.
Product: Credit card

I applied for XXXX new tires from XXXXXXXX XXXX XXXX XXXX XXXXfor {$800.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX, XXXX that equifax.had ReportedXXXX delinquent credit obligations, either paid or unpaid, was recorded on my credit bureau report. *too many recent credit inquiries are recorded on my credit bureau report.yes I got a quote on some new auto and home insurance.i also bought my fiance and engagement.i am being fairly denied because Of these.i am filing a formal complaint against XXXXXXXX XXXX XXXX and Equifax credit information services XXXX their was a breach on my credit profile I notified Equifax by certified mail that someone Had comprised my credit profile.
Product: Debt collection

I was contacted on XX/XX/XXXX by a representative of the XXXX XXXX XXXX XXXX XXXX. The representative was insulting because of my XXXX XXXX. He made the statement " you know this is a lawyer 's office, right? '' in a feeble attempt to intimidate me. I requested all communication be in writing. He sent a breakdown of the charges to my email included in the debt. The problem is, there is {$3600.00} that is not accounted for and the other charges look inflated to XXXX XXXX of fraudulent. I filled out the contact form on the website for the law office and received no response. I tried again a few days later. On XX/XX/XXXX, I emailed the email address on the website as I hadn't received a response using the contact form. I followed up twice and still have not received any reply. I filled out a complaint with the XXXX  on XXXX XXXXXX/XX/XXXX. Seeing as it's been over a calendar month since I emailed a request for verification of the debt and still haven't received XXXX, I now have to figure out how to handle this. Debt XXXX can't threaten to sue you and have to respond in writing within XXXX XXXXays as far as I know. I don't know if law firms hired to collect debts are bound by those rules, but the practices employed by this firm are entirely unethical if not illegal.