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

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear SBNASELFLNDR, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Missouri state law concerning identity theft and consumer protection. 

It has come to my attention that SBNASELFLNDR has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as stated in the FCRA, mandates that consumer consent is required for such reporting activities under Section 1681b ( a ) ( 2 ). 

Additionally, under Missouri law, specifically 570.223 of the Missouri Revised Statutes, identity theft is strictly prohibited, including the unauthorized use or misuse of an individuals personal identifying information. The unauthorized access and reporting of my credit information without consent could be considered a violation of this statute, alongside the federal FCRA provisions. 

I assert with certainty that I have not provided consent for SBNASELFLNDR 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 both federal and state laws. 

I demand that SBNASELFLNDR immediately ceases any further reporting of information to my credit report without my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Missouri statutes, including 570.223 regarding identity theft. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including identity theft statutes. 

This is a formal demand for compliance with both federal and Missouri state laws, protecting consumers like myself from unauthorized and damaging credit reporting. I expect your immediate attention to this matter and anticipate that SBNASELFLNDR will promptly rectify these violations, respecting my rights under the law. 

Done in good faith.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX I originated a loan with Upstart. The loan allegedly was funded XX/XX/XXXX. When funding was still not received by XX/XX/XXXX, I contacted Upstart for investigation and followed up via email. After I followed up daily asking for some type of financial tracking identification ( which they still have not provided despite by request ), on XX/XX/XXXX, Upstart admitted they had a banking error on their end and funds were never sent to my account. Despite multiple follow-ups on my end I received the response on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that the issue was still with their " engineering '' and legal/consumer relations team. I called on XX/XX/XXXX and was told again allegedly it was under investigation. I spoke to a supervisor who then changed the position and reaffirmed the " engineering '' status. No information was provided or an expected resolution. I still have this showing on my credit report with a payment being due XX/XX/XXXX for a loan I never received the funds from Upstart. The supervisor advised it is still with their research/engineering team with no resolution expected. I advised that their communicated turnaround to consumers is 10 business days which was exceeded. No written communication for reason of delay was received. No expected resolution timeline was communicated and a payment is owed on my account for funds I never received.
Product: Student loan

I submitted a payment to the Vermont Student Assistance Corporation. My bank, XXXX XXXX XXXX XXXX, reflects this {$73.00} charge from XXXX XXXX, 2016. This payment has never been reflected in my VSAC account. Shortly thereafter, my loan servicer became XXXX. Neither loan servicer shows a record of this payment. XXXX gave me a trace number : XXXX which should be useful in assisting VSAC in finding a record of this charge. 
In other words, the transaction occurred. But was applied as an increase of balance instead of reduction.
Product: Debt collection

I do not have knowledge of this debt that is trying to be collected.
Product: Debt collection

In a recent review of my credit reports, I found a " Collection '' account being reported to all three ( 3 ) credit reporting agencies in the name of Credit Control Service. I contacted the company and all three ( 3 ) credit reporting agencies seeking " Validation '' and to inform them that I do not owe this debt, I do not recognize this debt and that my Consumer Rights have been violated. 

I received no notification of investigation from the credit reporting agencies, only to show that this " Collection '' was disputed by consumer and meet the FCRA requirements. The company itself has yet to provide me with any information. Furthermore, pursuant to the FDCPA Regulation F, this company has violated my rights by not adhereing to the follow law : Actions Which Must be taken Prior to Credit Reporting Prior to reporting a consumer debt to a credit reporting agency, the debt collector must now actually speak with the consumer about the debt, either on phone or in person, mail the consumer a letter about the debt and wait a reasonable period of time to receive a notice of undeliverability, or send the consumer a message by electronic communication and wait a reasonable period of time to receive a notice of undeliverability. The purpose of this amendment is to avoid the practice of debt collectors from reporting debts to collection agencies and then waiting for the consumer to contact them after the negative credit reporting is discovered by the consumer. 

The credit reporting agencies has allowed this and along with the company are breaking the law. They are willfully placing a negative, unverifiable account on my credit report without any proof that this alleged debt belongs to me.
Product: Checking or savings account

America first credit union is trying to Force everyone into a premium banking account for a monthly fee and if some people dont see it they automatically enroll you and charge you for a premium account unless you call or go to the bank and tell them you dont want the premium account and with the covid going on its just too much of a headache for everyone right now to just say hey we want to charge all of our valued customers to make more money off of you pathetic.
Product: Student loan

I had previously submitted the following complaint against Navient : XXXX I was informed that the reason they were unable to qualify my payments to the Public Service Loan Forgiveness was because it was made in the wrong repayment plan, Graduate repayment plan. With the new congressional bill signed it appears my previous payments are eligible for the PSLF. Can you please request Navient to review my account in order to report to XXXX XXXX XXXX my current lender. Thank you in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX several loan appaers in my credit report after noticening i inmeaditly began to call these bank and reported these loan wich are fraudelent and not mine they instructec me to make the proper report, FTC, CONSUMER FINANACIAL PROTECTION, XXXX XXXX XXXX, XXXX XXXX XXXX, IRS XXXX XXXX XXXX # XXXX ADDITION XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX
Product: Debt collection

To Whom It May Concern, I am writing to file a formal complaint against Experian regarding their failure to investigate and remove inaccurate accounts from my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

The specific accounts that I am disputing are as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Creditor Name : XXXX XXXX XXXX, XXXX. 
Account Number : XXXX Creditor Name : XXXX, XXXX Account Number : XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX Creditor Name : XXXX  Account Number : XXXX Despite my repeated requests, Experian has failed to conduct a thorough investigation into these accounts and has refused to remove them from my credit report. These inaccuracies are negatively impacting my creditworthiness and causing undue hardship. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate my complaint against Experian and take appropriate action to ensure compliance with the FCRA. Specifically, I ask that Experian be required to conduct a proper investigation into the disputed accounts and promptly remove any inaccuracies from my credit report. Experian is the only bureaus that refused to removed these account from my consumer reports. The other bureaus has removed them for inaccuracies and error on these accounts. Please removed these account of my credit report. 

Furthermore, I request that the CFPB inform me of the outcome of their investigation and any actions taken to address these issues. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

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

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Credit Report Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Name : XXXX XXXX Also Known As : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Employers : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$1200.00XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX IN ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$780.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXXL XXXX XXXX XXXX {$0.00} XXXX XXXX Balance XXXX {$1200.00} XXXX  XXXX XXXX XXXX : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$930.00} XXXX  XXXX Balance : {$780.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX CT XXXX, LA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance XXXX {$1200.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I submitted a complaint on XX/XX/XXXX # XXXX in reference to cancelation of of Borrower-paid mortgage insurance based on the original value. The Servicer ( Wells Fargo XXXX, did respond and the PMI was cancelled. However, I requested to be refunded for the period of time that my loan was at a 65 % loan to value to the current 55 % loan to value which I believe was sometime in XXXX and certainly can pull my records to be exact month if need be. I requested back when my loan was at a 65 % loan to value and they gave me the same bogus letter telling me I needed to get an appraisal based on the current value which is not true based on XXXX XXXX Guidelines. When I received the same letter this year that is what pushed me to do some research and fill out a complaint on this website. My previous complaint included The XXXX XXXX XXXX Guideline and I believe that is why they finally removed the monthly premium. Wells Fargo response stated due to the investor guide change a valuation is no longer required when loan is 65 % LTV or below. They stated that no refund is due as your mortgage did not qualify for PMI deletion prior to XX/XX/XXXX. I attached the letter that I received this year and if I just ignored it again because I didn't want to pay for an appraisal, they still would be collecting MI. On their end what changed as I called XXXX XXXX and according to the person I spoke with nothing has changed with MI for many years when it comes to cancelation. There was nothing supplied to prove that something changed the previous month other than I had to pursue getting the removal with the assistance of CFPB. I believe if I pursued this matter back in XXXX with the CFPB the insurance would have been dropped back then and I would not have paid all those monthly premiums. Therefore, I believe a refund is due and I feel as if I was taken advantage of. My Deed of Trust clearly states that any agreement will not affect the right I the borrower has with respect to the Mortgage Insurance under the Homeowners Protection Act of XXXX. I wonder how many people are out there that have not pursued this matter and are paying unnecessary fees? I tried reaching out to the person that CFPB said responded to the complaint with Wells Fargo about getting refunded. I left a message Thursday and then again today. NO call back. CFPB gave me another number to call XXXX. After pressing the correct number and being put on hold with music a recording came on stating a number that does not support voicemail and received a dial tone. That is why I am sending in another complaint. With reference to the statement your mortgage did not qualify for PMI deletion prior to XX/XX/XXXX. Just to clarify the position my loan is in. I am at 55 % LTV and I have never been late or missed a payment and I am passed the midpoint of the loan. If I did not pursue my previous complaint it would have been fine for this servicer to continue to collect this premium and that is just not right to take advantage of a consumer that way. 
Thank you for your time.
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 XXXXXXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 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: Credit card or prepaid card

I have a Chase credit card which is incorrectly reporting data on my credit report. The company is not helping resolve the issue.
Product: Debt collection

On XX/XX/XXXX, I received a notification from my credit monitoring service, XXXX XXXX XXXX, that a new collection/charge off account had been reported to XXXX. The company reporting the derogatory account is called Ability Recovery Service located in XXXX PA XXXX. The original creditor listed on this account is XXXX XXXX XXXX, a company that I have never heard of, in a town that I have never lived in. The amount of the debt reported is {$500.00} and the age is listed as 0years/1 month. The violation is that this company, Ability Recovery Service, never contacted me, I never got any mail from this company, the only notification that i had came from XXXX when the erroneous account was reported. I am sending a certified letter to the company, disputing the account that they reported. I have yet to hear back.
Product: Credit reporting or other personal consumer reports

Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Creditor 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Report Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Transunion XXXX not conducting investigations. Instead, they are just verify information based on addresses that are not. 
I fully intend to pursue 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.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately.
Product: Debt collection

I have had several loans with this company, they sometimes send me a check in the mail. I have cashed before with no problems. This last time I cashed a check, the company called my number I listed on the check but I was at work and unable to answer. I have had my home phone disconnected since the last time I had a loan with them. I did n't even have the opportunity to call them back and I received a message from my sister in law saying she had received a call from this company. My loan is not due until XX/XX/XXXX, this call was made on XX/XX/XXXX. I called them back and the guy tried to make out like I had that number listed as my home number which is a flat out lie! I work finance also so I know the fdcpa laws and references are not to be contacted especially if loan is not past due. I have never been late on my loan. This is unfair debt practices and something needs to be done.
Product: Checking or savings account

On XX/XX/2023 I opened a business account. Account # XXXX in the name of XXXX XXXX XXXX XXXX at JP Morgan Chase Bank On XX/XX/2023 I deposits a official cashier check from XXXX XXXX  in the amount of XXXX they put a deposit hold on there until XX/XX/2023. On that day I went to make a withdrawal and and my card declined so I stepped into the branch and they told me my account was restricted and that they was in the process is closing my account and the reason they gave me didnt make any sense and its been almost a whole 2 months and I havent gotten this situation resolved because every time I visit the branch they give me a different reason why my account is closed and my funds are restricted I provided all necessary documentation and receipts and still they refuse to either reopen my account or send me my funds back to me. I spent countless hours on the phone talking to representatives and going back from the issuing back to chase bank to try to resolve this matter and still havent gotten anywhere I have all receipts and transactions receipts from XXXX XXXX  issuing me a cashier check in the amount of XXXX to me opening business account at Chase and to me making the deposits at the branch.
Product: Mortgage

I have called at least 3 different time over this matter. XX/XX/XXXX XX/XX/XXXX and today XX/XX/XXXX, in regards of a land of amendment to take off flood insurance on my property. They kept telling me that they would get back to me with a response within 24-48 hrs each time I called and failed to do so, I continued to call and today they had said the reason why they would not be able to approve and pass the land of amendment that shows I'm not required to carry flood insurance was because my property is still showing in map zone with FEMA and that I would need to contact them with the matter so that it does not show on the map although they have the documentation needed stating it was not required and they were done helping me. I got ahold of FEMA and they said that it does not matter what the map shows. What " trumps '' that was the map of ammendment, that is the deciding factor of all. Once you have that, there should be no reason they will not take the flood insurance off. I'm using all my resources and trying to get this resolved the best of my ability and I'm currently stuck.