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

Subject : Formal Notice of Multiple Unauthorized Credit Inquiries To : XXXX, XXXX, and Experian This serves as my Second Request in relation to the Unauthorized Inquiry mentioned herein, prior to commencing legal proceedings. 

I hereby assert that I did not provide consent to any entity to access my personal consumer information protected under the Fair Credit Reporting Act ( FCRA ). No permissible purpose has been established for the aforementioned inquiries. 

Pursuant to FCRA 616, titled " Civil liability for willful noncompliance '' [ 15 U.S.C. 1681n ], I bring to your attention the following provisions : Any individual who, under false pretenses or knowingly without a permissible purpose, obtains a consumer report from a consumer reporting agency shall be held liable for actual damages sustained by the consumer reporting agency or a sum of {$1000.00}, whichever amount is greater. 

Moreover, in accordance with the Fair Credit Reporting Act, 617, titled " Civil liability for negligent noncompliance '' [ 15 U.S.C. 1681o ], I wish to highlight the following : ( a ) In general, any individual who negligently fails to comply with any requirement imposed under this title with respect to any consumer shall be liable to the affected consumer for an amount equal to : ( 1 ) the actual damages incurred by the consumer as a result of the failure; and ( 2 ) in the event of a successful action to enforce this liability, the costs of the action, including reasonable attorney 's fees as determined by the court. 

I hereby request that you furnish evidence demonstrating that you possessed a permissible purpose to access my credit information. Failure to do so will necessitate the payment of {$1000.00} to the individual named in this correspondence. 

I anticipate a prompt and amicable resolution to this matter. However, should this not be the case, I shall be compelled to initiate legal proceedings against your respective entities. 

Yours sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows late payments when there wasn't ever late payments. The information that is showing is inaccurate.
Product: Checking or savings account

I went to log in us bank app and was directed to call bank upon doing so I was told there was suspicious activity on my account and they locked it for my protection all is unlocked I can go use my atm got to atm and wrong!!!! Was directed to call bank so I did so again this person told me my account was closed! No reason as to why just that the bank closed it! I explained I owned it only yesterday why would it be closed 1 day after opening never in my life have I ever had this happen I was told I couldnt get my money they would mail it in the form of a cashleirs check I was livid given this was all the money I had!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Equifax on XX/XX/2019 stating that based on the contents of my Equifax credit file my credit score is unavailable. I then called customer service and spoke to a Supervisor. Despite answering a series of questions correctly, she refused to confirm my identity and was unhelpful. I then filed a complaint with the XXXX   XXXX XXXX on XX/XX/XXXX, to no avail. Then I received a notice of reinvestigation concerning my FICO score dated XX/XX/XXXX stating that Equifax has received my concerns and their conclusion is to visit their website at Equifax.com for information on credit scores. This gave me no additional information. As of XX/XX/2019 I have an Equifax Credit Score of XXXX. As a consumer I should have a current score between 300-850. This is completely unacceptable and must be addressed immediately.
Product: Debt collection

1. The lender or lender representative tried to gain access to the home and did go into the fenced backyard without any legal documentation giving them the right to do so. Moreover, they engaged with an individual in the home and shared information about who they were in an intimidating manner, which created a problem with my renter. To try to make ends meet, I have taken in a renter ( business colleague ) in a portion of the home as I dont use the entire home myself. I dont think that they are allowed to gain access to my home or property in that manner. They have created an uncomfortable environment as we dont know when they will return. They also created an unsafe condition by not wearing masks and being too close to my renter who has a new grandchild that was visiting at the time. 
2. During this pandemic, the opportunity to defer payments has been given to FHA backed loan holders, of which I am. This has been formally requested but no response has been given by lender. I also asked for a loan remodification and none was offered. 
3. The lender is trying to circumvent the legal system, by not speaking with my attorney who has been handling this issue and directing themselves to anyone in the home, not even the note holder. As the bank will not seem to work honestly with me directly and I am not sure of my rights in this situation, and with the pandemic, I have contracted legal assistance over a year ago and they are fully aware of my representation. I have paid my attorney to avoid exactly what has occurred.
Product: Debt collection

As of today 's date I have never received a bill from XXXX other than from one collection agency to another I have contacted their office and never got a bill from {$1100.00} to now i received a bill from Nation Wide Credit for another amount in the amount of {$330.00} no one can pay a collection when they never received the actual bill from the company this is absolutely ridiculous to any consumer to have different collection agencies wanting money from one Debt and each time it's a completely different amount and the consumer has never gotten a bill for this amount. It is robbing the consumer because you hold the pen to ruin them financially and credit wise.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX  and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX  and XXXX  do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX  and XXXX  are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

I am lodging a formal complaint against ra rogers Inc collections. This debt collector has been reporting derogatory information on my three credit reports for a debt in the amount of {$13000.00} from XXXX XXXX XXXX XXXX. I have never been associated with this credit Union in my life. I have lived in XXXX XXXX NJ my whole life. I have never received anything in the mail from this company advising me of this balance. Which is a violation of the FDcpa. Debt collectors must send a notice to consumers which gives the consumer 30 days to dispute validity. I've never received anything from them. No mail, no phone calls,. Nothing. I am in the process of purchasing my very first home for my family and I ... and this derogatory account is holding me back from reaching our goals. I'm requesting immediate deletion of this account from my credit reports. XXXX, and attorney general complaints will be filed if this account isn't deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity BankXXXXXXXX is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to Comenity BankXXXX  to share my information with a non affiliate third party entity. The Gramm Leech Bliley Act 15 USC 6801 says that a financial institution must protect against unauthorized access or use of such nonpublic personal information which could result in substantial harm or inconvenience to any consumer. 15 USC 6802 also state that Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Per 15 USC 6803 ; XXXX XXXX did not clearly and conspicuously give me the option to opt-out of credit reporting as it states in the Gramm Leech Bliley Act. I am asking XXXX XXXX to Cease and Desist all communications through any and all mediums unless it is for a specified remedy that I am invoking. The term " Communications '' through any and all mediums would be telephone, email, social media and any consumer report listed but not limited to : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX This notice is pursuant to 15 USC 1692c. The term Communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. The alleged debt is reporting onto my consumer report which is a form of communication and I need this account removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of ( {$1000.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed unauthorized accounts with National Credit Systems and XXXX XXXX XXXX in XX/XX/2023 and XX/XX/2023. They are both publishing unauthorized accounts on my report without providing proper validation as mandated by the FCRA and FDCPA. As of today, they have purposely failed to provide : 1. Your lawful authority to collect without my consent or 2. A copy of the original contract between myself and the original creditor where I agreed to the assignment of the alleged debt ; with my ink signature 3. An original contract between me and XXXX XXXX XXXX with my wet signature 4. The original purchase agreement that shows I'm the legal owner of this alleged debt. Please include all the terms and conditions that are included in the purchase agreement.

5. An affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA and FDCPA.

6. A verified certificate of authority and proof that your company is licensed to collect debt in my state. Provide me with a license number and registered agent or agent of service.
Product: Credit card

I opened a XXXX XXXX XXXX  Citi card, and forgot the password ( I had a huge line of folks behind me in the store and had to come up with something under pressure quickly ). I couldnt log in on line to make payments, and have tried to unlock my password, but they locked my account. When Ive called ( three times now ) I get the same run around - no problem sir, well take care of that oh, nothing is working, our system cant send your phone text messages. We will send you a code by mail meantime, I am going to miss a payment because they wont give me access to my account - no matter that Ive verified who I am, my birthdate, my card info, my address, Im using the same XXXX PHONE Ive used for the last six years and no other bank has a problem texting me. And nothing by mail. Im extremely frustrated and dont want my credit history to take a hit for this stupid bank not being able to reset a damned password.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX, US DEPT ED Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX, 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: Student loan

After almost a dozen written requests you still have refused to acknowledge or correctly apply the forbearance requested in XX/XX/XXXX despite your approval of [ " of '' inserted as correction to previously submitted complaint ] same. You now claim that my account is delinquent. Please correctly apply the XX/XX/XXXX forbearance request. If you need assistance in reconciling your records, or reconstructing records you may have misplaced, please refer to prior CFPB complaints and related documentation.
Product: Credit reporting or other personal consumer reports

see the same inaccurate information reappear on their consumer report without explanation under the name of a new furnisher. 
In addition to alleging violations of the FCRAs requirements, the CFPB alleges that XXXX  faulty dispute intake procedures and failure to provide furnishers with consumer-submitted documentation, uncritical deference to furnishers responses to disputed information, and failure to prevent improper tradeline reinsertions also violate the Consumer Financial Protection Acts prohibition on unfair acts or practices. 

Enforcement Action Under the Consumer Financial Protection Act, the CFPB has the authority to take action against institutions violating consumer financial protection laws, including the FCRA and the prohibitions on unfair, deceptive, or abusive acts or practices in the CFPA. The CFPBs lawsuit seeks to stop the companys unlawful conduct, to provide redress for harmed consumers, and the imposition of a civil money penalty, which would be paid into the CFPBs victims relief fund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to SCA COLLECTIONS INC because the entered an erroneous entry on my credit file. On XX/XX/XXXX, I sent them a letter demanding that they verify and validate the debt. I have received no such verification or validation and they are still illegally reporting on my credit report. I have contacted them by email and by certified mail ( see attachment ) and they have not responded or attempted to contact me. This is a violation on FDCPA, by law they have 30 days upon request to produce and verify ownership in the form of a legally binding document to show proof that they can legally collect on this debt. I do not own this debt and I have no knowledge of it. Please remove this entry from my credit file per FDCPA or I will seek payment as outlined by law for the multiple breaches of FDCPA that are due to me per FDCPA. Please find below the original letter sent, along with the certified mail receipt.
Product: Debt collection

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

The account in question is XXXX XXXX XXXX  on behalf of XXXX XXXX XXXX XXXX XXXX I provided the apartment complex with a 60 day notice prior to moving out due to purchasing a home. I also paid the reletting fee and ensured the unit was cleaned prior to my departure ( I have documentation of this ). The apartment complex claims I never paid them and proceeded to put a balance on my credit report that I do not owe. I have fought this matter tiredlessly and it has begun to affect my emotional being and cause extreme distress. This violates my consumer rights under the FCRA. I am requesting this item be removed and I am moving forward with filing a complaint with the FTC, attorney general and a civil suit in XXXX XXXX XXXX for punitive damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received an alert from XXXX, XXXX and Equifax that ( XXXX ) XXXX credit card accounts was open. I called all XXXX bureaus. I explained to them that Ive never had an XXXX XXXX card. I also explain to them that there was no inquiries indicating that anyone applied for a line of credit. I filed a police report, FTC report and has dispute letters. I am a victim of identity theft. this has really hurt my ability to purchase a home. I have done everything that is asked of me
Product: Credit card

I signed up for an Apple credit card via their refer a friend offer. I clicked the refer a friend link and was supposed to receive daily {$75.00} cash reward after my first purchase. The terms state that the award will show up after your first purchase. The terms do not specify a long-term waiting multiple billing cycles for the award to show up. I contacted Apple at least four times and spoke to at least eight representatives who kept transferring me laterally, because no one seemed to even be able to verify that I qualify for the reward Some indicated that it might take up to two billing cycles, but refused to send me those terms in an email. Apple/Goldman Sachs allegedly opened a case, but did not ever get back to me. I have wasted so much time on this. From what Ive read on XXXX forums, the {$75.00} was supposed to show up pretty quickly. Im fairly certain that the people Ive spoken to are lying to me or just deferring me to other people because they can not solve the issue on their own. This seems like a very fraudulent offer/advertisemnt.
Product: Mortgage

I lost my job due to covid and elected to enter into Morgage deferred payments for a year now. Im trying to get help with a loan modification but my loan officer will only offer more differ option. We want to pay and need help but are not getting contacted back or given options. Furthermore I think our loan officer is based in XXXX and has no financial background to help.
Product: Debt collection

I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Product: Debt collection

Focus Receivables Management has a collection against me supposedly from XXXX XXXX XXXX. I have not used XXXX XXXX in 5-6 years and left them all paid up. No one has left a message, sent a letter or emailed me. I happened to see this when applying for a loan.
Product: Mortgage

See attached advertisement. It doesn't talk about credit score down payment, points or apr. No way this apr was available at the time the advertisement was out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple to have my XXXX  auto loan show correct information on my experian report. I have made my payments on time and it doesn't show anything. My auto loan does not even show up on my credit report, so now I'm not receiving any benefits towards my credit. Please help me understand why this information is not being shown on my credit experian report.
Product: Credit reporting or other personal consumer reports

I do not consent to e-OSCAR verification and want an actual living human to read this complaint. I will have my invoice for damages and federal consumer violations attached below. Also, a marked-up consumer report showing the XXXX XXXX XXXX XXXX violation 's that XXXX are furnishing with the accounts. I fully intend to pursue arbitration or litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance in reference to me being violated by the XXXX XXXX XXXX XXXX reporting 's. Every marking is a federal consumer rights violation, and each violates the Privacy Act of 1974, 15 USC 681, 15 USC 1681e, 15 USC 1681b, 15 USC 1681n, 15 USC 1681a and 15 USC 1681s-2. I will file arbitration as my next step.