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  Account : Account : XXXX Account : XXXX. 


15 U.S.C 1681 Section 602 A. States I have rights 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: Debt collection

I spoke with XXXX XXXX in the collection department at Zwicker & Associates on XX/XX/XXXX, and agreed to a settlement of {$2500.00} with payments starting on XX/XX/XXXX in the amount of {$100.00}, and than every 2 weeks of {$250.00} until the {$2500.00} was satisfied. Confirmation # XXXX. Today a received an agreement stating I agreed to over {$6000.00}, with payments of {$250.00} every 2 weeks until XX/XX/XXXX. This is not right!
Product: Money transfer, virtual currency, or money service

I tried to cancel the loan the next day and they wouldnt let me and they didnt tell me why. They just said that I had to receive the loan. I closed my bank account and I called Oportun again where I spoke to another customer service representative and and explained that the bank account was being closed. He told me not to worry y that the money would be cancelled. I asked him to send me a proof document by email to validate that information. He said not to worry and in a couple of day I would receive everything ; but instead of canceling, he sped up the process and the money appeared at first light XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX OneMain made a hard inquiry without my consent.The credit inquiry listed is unauthorized and I have attempted more than multiple times to contact the company directly to have them remove the inquiry and havent received a response. 

OneMain Personal loans
Product: Credit reporting or other personal consumer reports

Hey, I went over my consumer report, and I noticed some hard inquiries that I didn't authorize, or I do not have knowledge of. I have called several times and let the credit reporting agencies and the companies know that the inquiries in the document included below are fraudulent and they have yet to be removed. They are not to supposed to be visible on my credit report. I never gave them permission nor written consent to report or to authorize the inquiry. By law this is aggravated identity theft. 18 U.S. Code 1028A I have crossed out the inquiry that I am familiar with, please do not remove it is attached to an account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint due to several unauthorized credit inquiries that appear on my credit report, which I am requesting to be removed. After contacting the creditors responsible, I was informed that they have no evidence that I initiated these inquiries, nor do they have any written or verbal authorization from me, nor a permissible purpose as required by the Fair Credit Reporting Act ( FCRA ). 

These inquiries were made without my consent, and I have requested that the involved credit bureaus Experian conduct a thorough and manual investigation. However, these bureaus often rely on the EOSCAR system, which has been noted by the CFPB as insufficient in cases where verifying authorization documents requires a manual review.

I have invoked several FCRA provisions that support my request for deletion, including : 1. Section 604 ( Permissible Purposes ) : These inquiries do not meet the permissible purposes specified.

2. Section 611 ( Inaccurate or Unverifiable Information ) : I am requesting these inquiries be deleted as there is no verification or documentation supporting their inclusion in my credit report.

3. Section 609 ( Right to Access and Verification ) : The FCRA mandates that each inquiry on my report must be verifiable by an original contract or evidence of my consent, which is not present in this case.

4. Section 623 ( Responsibilities of Information Providers ) : Information providers are required to ensure the accuracy and authorization of reported information, which these inquiries do not meet.

5. Section 605A ( Identity Theft Protection ) : Should these inquiries relate to identity theft, I am requesting their deletion under this protection. 
Additionally, I reference the case XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX  ), where the XXXX XXXX ruled that accessing a credit report without a legitimate purpose or the consumer 's consent constitutes a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian XXXX XXXX was XXXX on XXXX XXXX XXXX 
I received notice on XXXX XXXXXXXX XXXX from Experian that my score had decreased. 
I logged into the Experian website and found my score had decreased by XXXX points. 
I reviewed the Experian website and determined that nothing had changed. 
I filed a query with Experian on XXXX XXXXXXXX XXXX ( ref : XXXX ) to determine what information they had received causing this change and what organization had supplied this information. 
They responded that they could not provide credit counseling and listed common causes for changes to credit rating. 
I responded that I was not interested in credit counseling and only wanted to know what information was supplied to them and what organization provided it so I could address this issue with that organization. 
I have exchanged XXXX emails with Experian about this issue with no information provided. 
Experian has continued to ignore this request for information they received affecting my credit rating. 
Experian receives information and adjusts the credit rating accordingly. I simply want to know what information they received and from what organization they received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting fraudulent accounts on my credit report which includes the amouts of {$4200.00}, {$17000.00}, {$14000.00}, {$13000.00}. 

Please find the enclosed Affidavit of Identity Theft, regarding the above mentioned account. Please cease from reporting this information on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

7119 15 USC 1666B : A creditor may no.

treat a payment on a credit card 206 account under an open end consumer credit plan as late for and purpose
Product: Checking or savings account

I have a checking account with Wells Fargo that is called a Opportunity account. It charges {$10.00} a month and the fee is not applied if I carry a XXXX balance, of which I do. The issue is that I am limited to {$500.00} withdrawal per day. My checking account has been in great standing and I've inquired each quarter as to when I will be moved to a non-fee, non-restrictive account. The answers I get are the same " they don't know ''. I have asked for guidelines and they say they have none. I have cases of people with lower balances that have been moved to regular accounts and have had the account shorter time. Wells Fargo has a history of fraud and I suspect that the their practices are discriminatory. I have white friends in richer zip codes that had the same account, carried less of balance and are now in a regular account. This bank has a history of fraud and they fail to disclose guidelines and practices that affect my checking account. This is an FDCI bank and should disclose policies on our checking accounts. I want the CFPB to look into what I believe is an illegal practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going over my credit report trying to buy my home. I noticed accounts that I have never done business with and I do not have a contract for business with any of the companies. I was told to file a report and contact the CFPB AND FTC. See Attach FTC Report XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX needs to delete this account from my credit report and stop all contact with me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX , I suffered a total loss  of Vehicle w hile account was delinquent. My insurer,  XXXX   XXXX , paid the the total outstanding balance on said vehicle after declaring it total loss. The insurer sent secured payoff to bank on  XXXX   XXXX ,  XXXX .   XXXX  Item was disputed to  XXXX  on  XXXX ,  XXXX  and many times before that. On  XXXX   XXXX ,  XXXX ,  XXXX   XXXX   XXXX   AGAIN  reported to  XXXX  that debt was still in collection, with {$4500.00} outstanding and {$320.00} past due.   XXXX  A previous c omplaint ( Complaint Number   XXXX  ) was filed against   XXXX    on  XXXX ,  XXXX .
Product: Debt collection

Calls are nonstop. Have repeatedly informed Navient that cosigner and I are both unemployed and recieving government assistance. Asked for assistance multiple times, always told that there is nothing they can do except for us to pay. Have asked that the calls lower in frequency, repeatedly am told they will stop and within the hour after request the calls resume. Was told they can call XXXX every hour, and that is exactly what they do. I do n't know what to do, I have nothing, cosigner has nothing, zero income coming in, they refuse to communicate via the mail instead. My school was found to have participated in fraud ( XXXX XXXX ) but nothing has been done to help the former students.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon return from Military XXXX, I was made aware of an outstanding debt with XXXX XXXX, a cable service provider I had service with, in XXXX TN. I contacted them and made payment in full on XXXX XX/XX/2021. Receipt provided showing the correct date. The following month I noticed XXXX  XXXX  XXXX ( XXXX  ), a collection agency for XXXX XXXX, was erroneously reporting incorrect information to my personal credit file. I have disputed this account multiple times with all three credit bureaus and XXXX has failed in correcting the erroneous information. Since XXXX continues to tarnish my financial reputation with erroneous data and cant seem to get it right after multiple investigations resulting in them stating data is validated, I demand deletion of this account and request your assistance in ensuring this action takes place. Thanks.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$2200.00} ; XXXX  XXXX XXXX Balance : {$0.00}.
Product: Debt collection

This company contacted me XX/XX/21 at XXXX from XXXX ( XXXX ) XXXX. The representative addressed me by my first name and did not verify any information before disclosing any potential debt. She stated she is calling about the debt owed to XXXX XXXX XXXX XXXX Nevada. I stated that I owe no such debt and to mail a verification letter to my mailing address. The representative accused me of owing the debt and stated the debt has been verified. I disconnected the call. 
This representative is pursuing me for a debt I 1 ) do not owe and 2 ) didnt have my complete identity to disclose the nature of such debt.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX XXXX Laws Dear MRSBPO, 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 XXXX XXXXXXXX XXXX XXXX 

It has unequivocally come to my attention that MRSBPO 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 MRSBPO 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 MRSBPO 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 MRSBPO will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

Many residents in our neighborhood are being inundated with mortgage refinance offers by out of state firms. When I agreed to allow Interest Smart to pull my credit report to see what rate/benefits I would qualify for, I was told the pull would not be a 'hard ' pull, which defines inquiries that remain on XXXX 's report for 2 years and affects credit scores. As it turns out, my current mortgage is best for me and no services from Interest Smart were needed. 

In contradiction to what the mortgage officer 's assistant XXXX told me, when I received a credit report copy, it disclosed not XXXX, but XXXX hard pulls that will stay on my record for 2 years and potentially affect my credit score. On XXXX XXXX, I remitted an email to loan officer XXXX requesting these inquiries be adjusted to XXXX 'soft ' inquiry ( those that do NOT affect credit score that most existing creditors, employers and insurance companies utilize ). To date, I have not received a response from anyone at Interest Smart. 

As you know, most seniors experience a significant reduction in income upon retirement, so it is critically important that unnecessary and unwarranted 'hard ' credit inquires be limited in event of potential future mortgage needs.
Product: Student loan

Equifax is reporting inaccurate data on my credit report, stating that I was late XXXX XXXX XXXX XXXX XXXX XXXX. I was not late, for the year of XXXX  and the credit bureau is reporting that my accounts is saying ok, ok, ok starting from XXXX all the way up until XXXX, but XXXX, XXXX, and XXXX it states 90 days late 120 days late and 120 days late, what happened to XXXX and 60 days late if I was really late. I was in a repayment plan. I signed up to renew my repayment plan in XX/XX/2018 which covered the entire year of XXXX. After speaking to someone about this issue, no one has been able to provide me any documented proof about these so called late payments. Therefore, remove these late payments immediately or there will be a lawsuit against the credit bureaus for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights 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.

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

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Vehicle loan or lease

I was directed to this website in regards to a Wells Fargo settlement for customers who have had car loans between XXXX and XXXX. I am writing to see if I qualify for a potential payout since I had an auto loan through Wells Fargo during this time period.
Product: Debt collection

There are accounts on my credit report that appear fraudulent. Requesting their immediate removal and blocking.
Product: Credit reporting or other personal consumer reports

list of all accounts and inquiries below have 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Notice of Negligence of Holding Fraudulent Data on my consumer File. I have explained to ( XXXX, Trans Union and XXXX ) That I have Never Received any Loan from XXXX and they have continued to Furnish this Data. Ever Since XXXX Through XX/XX/XXXX theyre furnishing Payment History & ( Account Details ) thats Inaccurate Data since XX/XX/XXXXXXXX  up until XX/XX/XXXX. Remove this Account from my Consumer File Immediately. I Direct the Consumer Financial Protection to Remove this Data at my Discretion
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized accounts that reporting on my credit report. Since this is a strict violation of FCRA laws I need the accounts removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX Balance Owed : {$4700.00} XXXX XXXX XXXX XXXX Balance Owed : {$3800.00} XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3900.00}
Product: Debt collection

This is the biggest scam in the credit world. 
Legally there is no contractual obligation to pay any debt collector as they have not engaged with me in any contract, nor services or goods exchanged. Its called extortion. No debt collector can legally " validate '' any debt as they have no original signed contract with me, nor proof they have a signed, written agreement with you for an exchange of services or goods. The extortion part is when the debt collector fraudulently post to my credit report, in an attempt to extort money from me.
Product: Mortgage

I filed a Bankruptcy on XX/XX/XXXX because I Lost my job, divorced, and going thru a XXXX due to a very XXXX. In the bankruptcy I redeem the house to the bank XXXX, I was waiting from XXXX to do the process to take the house back from me because I 'm unable to afford it because of my income now. I never received any letter from XXXX indicating that they sold the Loan to NationStar Mortgage. ON XX/XX/XXXX I received a loan modification papers from NationStar Mortgage offering me a loan modification in which a never agreed, signed or made any payment to accept that offer. 

On XX/XX/XXXX I check my credit report and I discovered that NatiionStar Mortgage reported in my credit report that I was in a partial or modified payment agreement, 180 day past due, and 360 month mortgage in which in the modification paper said XXXX ( XXXX Years ). It is to many discrepancies on the information reported to my credit report, which I need to know what they doing. I have papers that proof everything this letter said, I do n't know what to do, I did a bankruptcy believing that it was going to be a new start and now the past is coming back to me. I thank you in advance for any help you can provide me.
Product: Mortgage

The company MyLoancare servicing has not paid taxes on the the property to the correct county for two consecutive years. I have spoken with the company for months with no resolve. The normal payment is XXXX. A escrow analysis was completed due to the incorrect parcel. The taxes were paid to another county XXXX XXXX XXXX. The property I reside in for the last 20 years is located in XXXX county. After the payment. Of XXXX in taxes was paid the new analysis escalated my new payment to XXXX to make up the escrow. The agency said they would do a new analysis this has not been resolved and they will not answer my questions or make payment to the correct county to remedy the issue. 
XX/XX/XXXX new analysis XXXX multiple call, letters, tax documents sent to MyLoancare XX/XX/XXXX place in COVID Forbearance XXXX XXXX calls no remedy for tax payments for XXXX and XXXX
Product: Credit reporting or other personal consumer reports

On XXXX of this year my wife wanted to under go in XXXX but when my credit was ran to get her a good medical clinic my credit score was too low to cover anything I wonder why after my wife XXXX XXXX XXXX XXXX XXXX  I investigated and went to the police they asked to gt a copy of my credit report I did and found out that two accounts caused my hardship XXXX XXXX XXXX XXXX so I requested the creditor to what they can help me both creditors told me file a dispute with the credit agencies it is today and no answer solution nothing people can be so heartless