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

I WILL BE SEEKING LITIGATION AND MONETARY COMPENSATION FOR VIOLATION OF RIGHTS IF THIS IS NOT CORRECTED IMMEDIATELY : See below that the consumer reporting agency is in violation of the FCRA 15 U.S. Code 6802 : The consumer reporting agency says the third party company " verifed '' the false information unlawfully as I have not given any 3rd party creditor, collector or business the authority to submit any non public information about me to the consumer reporting agency.

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 I have not given the consumer reporting agency my permission, nor the furnisher of the information below to report this information in any way, shape or form.

See below that the consumer reporting agency is in violation of the FCRA 15 U.S. Code 6802 : 15 U.S. Code 6802 ( a ) Notice requirements 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.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Furthermore, This letter serves a written notice : I formally revoke, renounce, opt out, quitclaim, and waive ANY and ALL insinuated and or direct permission to Experian and the following companies that are listed below, to report these following items on my report. Experian is now aware of these revoked permissions and will now be held liable. I am requesting that the following items be deleted permanently and immediately, as via my right to exercise that nondisclosure option, as expressed in the FCRA 15 U.S. Code 6802 :
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has ignored my request, it is now more than 45 days and no response is received. please refer to the documents attached in regards to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX, I began to receive telephone calls from credit card companies and banks looking to confirm my personal details to complete applications for credit cards or other bank services. At this point, I realized I was a victim of identity theft.
I immediately checked my credit reports from the three bureaus, and placed a fraud alert on my profile. I also opened a police report at my local department. 

OnXX/XX/XXXX, I signed up for identity theft services to attempt to protect myself. 

OnXX/XX/XXXX, I was called by a lending company looking to verify my employment. It turned out someone had created a fake ID with all my valid information, including driver 's license number. 

I believe all of the above was the result of the Equifax data leak, as the timing matches with the breach as well as the fact that Equifax is of the only sources that contains all information needed in the attacks that I have suffered.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX XXXX, these agencies placed inquiries on my credit report more than once within less than 30 days, once a credit report is pulled once the company should not have to pull it again within 30 days. I only authorized this agency to do it once and again once the credit report report expires which was in 90 days.
Product: Checking or savings account

I live in XXXX XXXX  XXXX. Amex has a customer in apartment # XXXX, and for some reason amex has her address as # XXXX, and refuses to correct it so I keep receiving her bills and statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The information you provided is different from other bureaus. This account is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX Credit Bureau. Also, please reinvestigate the whole information. Lets fix this immediately. The Bureau is obliged to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent notice to Experian in regards to wanting to move forward with arbitration. Due to the negligence and mishandling of the investigations that were completed. Several inaccuracies are reporting in my Consumer Report which need to be deleted. Furthermore since the time given has elapsed and my request for arbitration has been ignored. I want to proceed in a criminal & civil investigation.
Product: Credit reporting or other personal consumer reports

Subject : **Dispute of Inaccurate Information and Request for Removal under 15 USC 1681** Dear Sir or Madam, I am writing to formally dispute the inaccurate information on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 USC 1681i , which mandates that credit reporting agencies must ensure the accuracy of the information they provide. The following accounts are inaccurate and/or incomplete and should the investigation come back determining as such, they must be removed : XXXX XXXX XXXX  XXXX These items are incorrect and must be removed from my credit report. I am requesting that you immediately investigate these inaccuracies as required under 15 USC 1681i and, upon verification of their incorrect nature, have them removed from my credit report. I trust that you will comply with your obligations under the FCRA and resolve this issue promptly by removing the inaccurate information from my credit file. If this dispute is not resolved within the legally mandated time frame of 30 days, I may pursue further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal remedies. Please confirm in writing when these items have been removed from my credit report. Thank you for your prompt attention to this matter.
Product: Mortgage

I have been with freedoms mortage for years by force, being they brought my loan out from my prior bank. When the interest rates dropped I decided to refi and that it would be easier to do it with my current bank instead of switching. Freedom mortage processed my request and they scheduled me for closing after they ran all the necessary things. I took off work and spent money to get to where the closing was and no one showed up. It was cancel on freedom mortage part and no one reached out to me. I called them and the apologized and second one for the follow week and assured me that they will get everything resolved and then no one showed again. They claim it was an issue with texas and the funny part was no one in texas had an issue with refi. The paper work was processed a month later. They ran my credit again when it was not needed and lowered my credit score. That was a negative impact and for the I'm sorry they mailed me a XXXX   caller gift card. Now the did not pay my taxes and I am getting collection notices and another negative impact on my credit and I got late fees. This is not fair and they have impacted me twice on a negative note and have not made it right
Product: Mortgage

My complaint - - Bayview Loan Servicing supplied a loan modification to my ex husband with my name on it, yet never required my signature. 
- Bayview provided a cancellation of debt in XXXX in the amount of {$2200.00}. and never required my signature of acceptance. 
- Bayview never told me how to get my name off of the loan modification until it was too late - Bayview sent a XXXX in my name to my ex husbands address despite me providing my address/contact information and divorce decree to them in XXXX. 
- The property is not mine. the XXXX should have only been in my ex husbands name I was divorced in XXXX. My ex husband was awarded this house and since my name is also on the loan the divorce decree indicates i must be held harmless when it comes to this property. 
XX/XX/XXXX I found a loan with XXXX XXXX on my credit report. I immediately called them to find out why, and was told My ex husband received a loan modification from them. 
I explained the house was not mine and sent them a copy of my divorce decree. I asked how i could get my name off of this loan, and was told there was nothing i could do unless my ex husband refinanced in his name only, which he could not/would not do. 
I provided all of my contact information and asked that i be notified of any and all issues related to the loan. I never signed anything or agreed to a loan modification and Bayview told me my signature was not necessary. 
XX/XX/XXXX I received a letter from the IRS indicating i failed to report a cancellation of debt from Bayview received in XXXX. 
When i contacted Bayview i found that they removed all of my contact information at the request of my ex husband. They provided me with a XXXX that was mailed in my name to my ex husbands address in XXXX. 
Bayview refuses to send a correct XXXX despite having the divorce decree on file. They informed me they could not do this because i failed to file a release of liability with them, and will provide no explanation for why their staff never informed me of this on any of the numerous phone calls i made to them. 
The loan is paid off now so no one will help.
Product: Credit reporting or other personal consumer reports

XXXX 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 incomplete items unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX 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 XXXXXXXX XXXX inaction violates federal law and my rights
Product: Student loan

I 've asked for multiple forbearances and only been given XXXX due to financial issues.
Product: Checking or savings account

I am a practicing dentist in XXXX, PA and own my own private practice. I have never practiced dentistry outside of Pennsylvania in over 15 years. Sometime in either the XXXX of XXXX or early XXXX, a checking account was opened with my federal XXXX ( XXXX ) with Pinnacle Bank ( aka. Pinnacle Financial Partners ) in Tennessee. I have never practiced dentistry in Tennessee and I do not have a license to practice dentistry in Tennessee. From this fraudulent account, deposits were being made from checks that were issued from the insurance company XXXX from the period of XX/XX/XXXX to XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A third party collection agency, National Credit Adjust ( NCA ), has illegally reaged an account on my credit report with all three bureaus. I sent a dispute letter to the bureaus and to the collection agency stating that NCA reaged my account to make it appear that I opened the account on XX/XX/XXXX. The original date on the account was XX/XX/XXXX. Please help! Thank you in advance.
Product: Credit card

On XX/XX/XXXX, I purchased an engagement ring from XXXX XXXX XXXX XXXX XXXX in XXXX, Colorado. I opened a XXXX XXXX credit card with the store in the amount of {$12000.00} to complete the purchase. When the Sales Associate explained the Terms & Conditions of the credit card to me, she explained that no interest would accrue for the first XXXX months and that I would begin to pay interest on the remaining balance thereafter. Over the XXXX months I made payments to reduce the credit card balance down to {$3400.00}. On XX/XX/XXXX I received a notification that my credit score had dropped due to a large increase balance on a credit card. Logging into my account I saw that I was charged {$5200.00} of interest. On XX/XX/XXXX I paid the original remaining balance of {$3400.00}. The only remaining balance on the credit card now is the interest charge. 

Upon finding out about the interest charge on XX/XX/XXXX I immediately called the credit card company and spoke to a manager who advised me that the plan that I had purchased was a deferred interest plan and that I had no other option than to pay all of the interest. I explained to her that this was not what the representative at the store told me. She became rude and stated that I should accept this " life lesson ''. I informed her that I had the money and was able to pay the remaining balance right then on the phone and that I had no idea about the plan being a deferred interest plan is the only reason I had not already done so. She told me that was not an option. On XX/XX/XXXX I paid the remaining balance of the purchase. I also went to the store to speak with someone about the issue. The woman there told me that someone else had just been in last week with the same problem/complaint and that she was unable to do anything about it.
Product: Credit reporting or other personal consumer reports

I never applied for this or allowed them to pull inquiry on this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 2. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 3. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account. 
4. The following status is Incorrect and unverifiable XXXX XXXX XXXX Account Number : XXXX Delete this account. 5. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 6. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 7. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account. 8. The followng information is incorect XXXX XXXX Account Number : XXXX Delete this account. XXXX there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 10. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX, LA XXXX XXXX there is some inaccurate information reporting. XXXX  XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion both by telephone and by letter, informing them of Inaccuracies relating to the inquiries that they were reporting on my credit profile. I explained to them that I did not give anyone permission to run my credit. The representative I spoke to was unwilling to assist. In my letter to TransUnion, I requested that they furnish proof of my consent/authorization for these credit pulls since they were reporting this false information and ruining my ability to obtain credit. I was sent a generic letter with no resolution and no proof that what was being reported was accurate. Again, I did NOT authorize these credit pulls.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX, Missouri Laws Dear CAINE & WEINER, I am writing to address the unauthorized reporting of information to my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as relevant identity theft laws under Missouri statutes XXXX 

It has come to my attention that CAINE & WEINER has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is required for such reporting activities under Section 1681b ( a ) ( XXXX ). 

In addition to federal law, Missouri law also underscores the necessity of consumer consent for credit reporting. Missouris identity theft statutes ( RSMo Section 570.223 ) emphasize the severity of unauthorized access and misuse of personal information. 

I assert that I have not provided consent for XXXXXXXX XXXX XXXXXXXX to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, resulting in potential damage to my creditworthiness and a disregard for federal and state laws. 

I demand that CAINE & WEINER 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 Missouris identity theft statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws. 

Obtaining consent is a legal obligation under these specific sections of the FCRA and Missouri state law. This 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 CAINE & WEINER will promptly rectify these violations, respecting my rights under federal and state laws. 

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

I am requesting that the lates be removed from my credit reports due to the inaccuracy of the reportings. Each credit bureau has a different reporting, some show payments were on time but another report shows 60days late for the same month and year. Also it shows 30, 60 then 120 days delinquent but what happened to 90?! ( Example on XXXX it shows late XXXX 30 days XXXX  60 days XXXX  120 days but on XXXX its current all XXXX except XXXX. ) T his is a clear violation of the Fair credit reporting act. Also it looks like combined information because my credit was pulled using XXXX XXXX  and there are two XXXX XXXX accounts with different account numbers opened on the same date, closed on the same date, same credit limits but different payment history. 
I also requested for this account to be closed and it wasnt closed resulting in fees and late fees. It was finally escalated in XX/XX/XXXX and closed after the complaint was handled by XXXX a member of management.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is for my XXXX XXXX  XXXX XXXX; account number XXXX. This company has anonymously reported my account late 3 times, one time in XXXX XXXX; again in XXXX XXXX; and another time in XXXX  XXXX. Each of these times have been incorrect as I have stayed current on this credit card and have paid on time each month since opening the card. This late payment has prevented me from qualifying for a conventional home loan because it is reporting inaccurate information. I would like for this information to be corrected to report that these payments were on time.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am a victim of Data Breach. A s a result fraudulent accounts and unauthorized inquiries which do not belong to me are being incorrectly associated to me through my credit report. I demand the immediate removal of these items.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have never applied for a loan at GMAC for any automobile. This could be a mix-up between my father and my credit, since we have the same name, except I am a XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of a late payment on my credit report for the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 

I have contacted the bank regarding this late payment, and they have approved updating the following accounts to " closed/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. 

According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. Therefore, I kindly request that you update these accounts to reflect that it has never been late. I also request a copy of my updated credit report once this correction has been made.
Product: Credit card or prepaid card

For several years I have AAdvantage Citi credit card with {$95.00} annual membership fee. Last year I wanted to close it yet the fee was reimbursed to my account after I paid {$95.00} using Citi AAdvantage credit card. I decided to close it this year. I called at least one month  in advance to membership expiration to initiate the closure process. Yet I was told I can switch my current Citi AAdvantage credit card with annual membership fee towards Citi AAdvantage bronze card with no membership fee. I was also told to pay {$95.00} fee, to wait about 90 days for the replacement card, which will have {$95.00} credit on it. Last week I received the replacement card/statement. The credit balance is only {$79.00}, and not promoted/promised {$95.00}. When I called Citi customer service and asked why the amount is lower than promised {$95.00}, I was told the amount was prorated. I hope Citi keeps customer conversation records because I asked several times if the total {$95.00} would be reimbursed and credited to my account, and each time the answer was Yes. If I knew Citi won't reapply {$95.00} back to my account I would close the credit card account with them back in XX/XX/2018.