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

Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding the items listed on my credit report that violate my rights under 15 USC 1681 and the Fair Credit Reporting Act. As a natural person, I have the right to privacy and confidentiality, and I have not given permission to the consumer reporting agencies to furnish the accounts listed below. 

According to 15 USC 1681 Section 604 A Section 2, a consumer reporting agency can not furnish an account without my written instructions. Additionally, 15 USC 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may include any adverse item of information in a consumer report that is more than seven years old, except for records of convictions of crimes.

Furthermore, 15 USC. 1681s-2 ( A ) ( 1 ) states that a person shall not furnish any inaccurate information relating to a consumer to any consumer reporting agency. 

The following inquiries listed below are fraudulent and have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX FI XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX I demand that these accounts be deleted immediately in accordance with the Fair Credit Reporting Act. I have contacted the companies responsible for these inquiries, and they have provided no proof that I have authorized these inquiries or that they have a permissible purpose. 

Thank you for your prompt attention to this matter. 

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

Accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account number # XXXX And US DEPARTMENT OF EDU Account number XXXX has Violated my rights. 
15 USC 1681 section 602 A. 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.

Also they do not have any permissible purpose to furnish my person information to any third party 15 UCS 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureau to validate this account ( A ), ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and update : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 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: Vehicle loan or lease

Hi. Last year in paid off my car loan with the payoff amount in the amount of {$18000.00} on XXXX XXXX, XXXX that Ally Financial provided for me. I paid the amount and it showed a XXXX  balance and that the title was on its way and I didn't owe anything. I've waited at least a week to confirm that I didn't owe anything, just to make sure. On XX/XX/XXXX it showed that I still didn't owe anything and that final payment was received, title was processing and released, and then the processing was complete. Several weeks later, Ally Financial made " reversal '' of a monthly payment I had made in XXXX and it didn't go into my card or checking account. The reason it showed on their website was " Migration. '' So then it showed that I owed {$510.00} and that it was due until XX/XX/XXXX. I called them several times and they said they didn't know why that reversal was created but it was money that I owed. I asked them what checking account or card the money went to and they couldn't provide that information. I paid about {$140.00} of that amount because they threaten to hurting my credit and they would investigate the matter and get back to me. I've called every 2 weeks to get an answer of why the reversal when I have a picture of the account showing a XXXX  balance due. They asked me to email it to them and when I tried, I kept getting errors not allowing me to upload pictures " at this time '' because of system maintenance. But you can send emails but no attachment. Now it affected my credit because I never finished paying that amount that was reversed about a month after I paid off the loan. And they still can't tell me why it was reverse. They just tell me that their system was going thru changes around XXXX XXXX so they can't access all the information they need so they can tell me. Any help is greatly appreciated Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not associated with the address XXXX XXXX XXXX XXXX, XXXX XXXX LA XXXX or anything that has been sent there. XXXX XXXX has brought it to my knowledge that my name was associated with that address, this is incorrect. 
Also, Phone number XXXX is not associated with me, I was in XXXX using a XXXX phone while in the military. I am not sure who has accessed my personal information.
Product: Vehicle loan or lease

Since VW Credit unveiled their " new and improved site '', the site is broken. It crashes constantly and does not allow information to be changed. I have moved, and I wanted to update my address and contact info - when this is done, it displays a " confirmation '' with the updated info but then next time you log in, the old information persists. A total IT disaster. I asked the company for help and they replied with the standard American XXXX " call the service center ''. Not possible to manage account online effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX. This is a statement verifying my identity, along with my proper identification. In accordance with 15 USC 1681 ( h ) I would like to receive correspondence to the below address XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Any future correspondences from this day forward is coming from me. 

TransUnion was sent a letter disputing information being reported on my consumer report from me and was received by the company on XX/XX/2022. 

File # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

With full faith and credit, I kindly request that the CFPB conduct an impartial review of this matter and engage in discussions with Experian, XXXX, & XXXX to encourage a fair resolution. My objective is to have the inaccurate late payment entry removed from my credit report, thereby rectifying the unjust impact it has had on my creditworthiness. 

I appreciate the efforts of the CFPB in ensuring that consumers ' rights are protected and that credit reporting agencies uphold their responsibilities. I believe that with your intervention, this matter can be resolved in a manner that is fair, just, and compliant with the FCRA. 

Please provide me with confirmation of receipt of this statement and any updates on the progress of the mediation. I am available to provide additional information or answer any questions that may arise during the mediation process. 

Thank you for your attention to this matter. I look forward to a positive resolution with the assistance of the Consumer Financial Protection Bureau.
Product: Debt collection

TD Bank hired a lawyer to garnish {$2800.00} on XX/XX/2022 from my XXXX XXXX  where no funds were available. Now over drafts are generating from a negative account. I had absolutely no communication with TD Bank and their lawyers. I was not informed of a lawsuit against me nor was served with any court case.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$140.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$2900.00} DEPT OF EDUCATION/ XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance {$0.00}
Product: Checking or savings account

I sent payments via Bill Pay from XXXX XXXX XXXX to Santander Consumer USA. This was the wrong address. Because I chose the address as the payments should have been sent to Santander Bank. Because the error was mine XXXX denied reimbursement for the funds. Though XXXX and myself as well as my sister ( the intended recipient ) contacted Santander Consumer USA and Santander Bank the payments have never been returned to me. I have made numerous phone calls, including conference calls with XXXX and my sister, gone in person to Santander Bank and XXXX has contacted Santander to no avail. Santander Consumer USA confirms receipt of the payments but had no matching account number to apply them to because they were not loan payments. The payments were intended to go to my sister 's checking account with Santander bank. Rather than return the payments to me or forward them to Santander Bank, Santander Consumer USA in Texas kept them. We had spoken with XXXX and XXXX at XXXX among others. Please help me. I just want my {$250.00} back.
Product: Mortgage

In XX/XX/XXXX we closed on a new home loan ( new construction ) and this loan was transferred to XXXX LoanCare for servicing. Property taxes were estimated for XXXX escrow at {$9300.00}. The actual property tax bill received in XX/XX/XXXX paid in XX/XX/XXXX was {$6500.00}. I requested a new escrow analysis in XX/XX/XXXX after receiving the actual county tax bill ( and uploaded that bill to their website prior to the XXXX tax payment ) and again in XX/XX/XXXX requesting they update the escrow to equal the actual property tax bill. Both times they used the old estimate of {$9300.00} for taxes in the escrow analysis resulting in the same monthly payment amount. The company refunded the excess escrow for XXXX in the amount of {$2600.00} yet they still refuse to adjust the monthly mortgage payment amount by reducing the escrow to reflect the actual property tax bill. I've called their customer service again last week and was again assured they would correct the information within one week. They refuse to correct the escrow resulting in a monthly overpayment of over {$230.00} not including the excess reserve being held by them by using the inflated property tax amount.
Product: Debt collection

This company is trying to collect a debt that i paid to XXXX. I called XXXX and they took off extra charges that were applied because of equipment that i returned not being updated in their system, and agreed that i pay {$150.00} instead of XXXX. This other company continues to state the debt was owned by them, but XXXX took my payment directly and this company refuses to do anything. XXXX already stated they would contact them and have them resend the collection attempt but this company is not doing so.
Product: Checking or savings account

I am a new customer of Bank of America. 
It's been about XXXX. 
I deposited my payroll check through ATM on XX/XX/XXXX. 
The payroll check is a Bank of America account too. 
The next day which is XX/XX/XXXX, my check is been on hold so, I went to the Bank of America branch and ask them to release my fund. 
But they said they can't release because my account is a new account. 
So, I complained about that because my company check was cleared that day. 
The check was on us check, that's why I thought they could credit the fund to my account immediately. 
But they said they can't because of the bank policy. 
The check will be available on XX/XX/XXXX. They gon na hold my check with 10 business day!! 
I can't pay my rent and utility too. 
How come they hold 10 business day the on us check even they took the money from my company account. 
I'm very upset and so sad. 
I think it's not fair!
Product: Money transfer, virtual currency, or money service

There were two separate dates that this occurred. 

The first date was XX/XX/2024 in the amount of {$100.00}. 

I called the following day and Wells stated there was nothing they can do. I even reached out to the phone number that I sent funds to and received no response after several attempts.
Product: Debt collection

XXXX CARD XXXX {$2400.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Mortgage

XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX, XXXX Ditech Financial LLC Previous Account # XXXX ( XXXX/Green Tree ) Previous Account # XXXX ( Green Tree ) Current Account # XXXX ( Ditech ) This letter is in response to your letter dated XXXX XXXX, XXXX. 

We have made SIXTEEN (!! ) different calls to Ditech Customer service regarding our situation and NO ONE has yet to resolve our issue. Based on the letter we received, NO ONE seems to understand the issue. There is NO problem with the current mortgage # XXXX ; our issue is with the DISCHARGE OF ACCOUNT # XXXX. 

So here we go again!!. 

Exhibit # 1 : Our original mortgage was with XXXX Mortgage in XXXX. This mortgage was assigned to XXXX XXXX XXXX in XXXX ( account # XXXX ). In XXXX XXXX, the mortgage was assigned to Green Tree as evidenced in exhibit # 1 attached. 

Exhibit # 2 : In XXXX XXXX, we remortgaged with Green Tree. At the time of the remortgage, a discharge was completed. However, Green Tree was not discharged from the mortgage, XXXX XXXX XXXX was discharged. This is evidenced in Exhibit # 2. THIS IS THE PROBLEM. At the time of the discharge, XXXX XXXX XXXX did not hold the mortgage, Green tree did. 

Exhibit # 3 On XXXX XXXX, XXXX, we were contacted by the attorney 's office who is handling our current refinance. A copy of the email is attached. At that time, we contacted Ditech, our first phone call. We were told to provide a copy of the email ( which is exhibit # XXXX ) from the attorney. We did this on XXXX XXXX. At the same time, we were provided with a secure link in an email. We uploaded the email ( exhibit # XXXX ) and the assignment, Exhibit # XXXX. 
This attorney 's office conducted a title search and discovered the issue with the discharge being incorrect. 

Exhibit # XXXX Copy of the fax sheet sent to XXXX regarding what needed to be corrected provided on XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to alert you to fraudulent personal information that has been wrongfully associated with my identity. Accounts and transactions to which I did not consent have been improperly linked to me, resulting in significant detriment to my financial standing and reputation. I am a victim of identity theft and have promptly reported this criminal incident. 

This urgent matter requires your immediate attention and cooperation. I formally request that you expeditiously remove all fraudulent information from my credit reports and conduct a thorough investigation into how this identity compromise occurred. I have documentation prepared to provide any necessary evidence of the identity theft. If prompt corrective action is not taken, I will be forced to pursue all available legal remedies to uphold my protected consumer rights and seek appropriate compensation.
Product: Debt collection

I had a car that was financed with SNAAC and repossessed in 2014. 

No deficiency judgment was ever obtained. I was never given a written itemized list of the amount owed and it is now appearing on my credit report.
Product: Credit reporting or other personal consumer reports

I have recently tried to put freezes on my credit at the 3 credit reporting agencies. I had no problem with 2 of them but TransUnion is very problematic. I can't sign in online due to the site crashing constantly while trying to set up an account. Calling them doesn't work either, the call always drops out after part of the required information is entered. I haven't even come close to talking to a live person. A XXXX revealed that it's a very common problem with TransUnion and has been going on for years. Who has oversight of them and why is nothing being done?
Product: Credit reporting or other personal consumer reports

I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my XXXX XXXX but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX at XXXXXXXX XXXX, Victim did receive an Unsolicited Marketing Promotion from Respondent in direct violation of Victims Rights Pursuant to 605C ( B ).
Product: Mortgage

Counting {$270000.00} they say we still owe and the {$280000.00} balances we have paid in full We have now paid {$730000.00} of {>= $XXXX} they want us to pay for our {$270000.00} house. 
I believe Wells Fargo has stolen {$200000.00} and our duplex they foreclosed