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

According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, section 602 ( a ), " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and Experian 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, stating, " It is the policy of 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. '' A furnisher of information to credit agencies is a financial institution by definition under that title. 

15 USC 1681, section 604 ( a ) ( 2 ) states, " 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. '' Neither the furnisher of information to credit agencies, nor the consumer reporting agencies XXXX and Experian, have my consent to furnish this information, and they surely do not have my written consent. Any and all consent to XXXX, Experian, and furnishers of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is revoked. 

15 USC 6802 ( b ) ( c ) states, " 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. '' The furnisher of information to credit agencies never informed me of my right to exercise my nondisclosure option. 

Additionally, 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 USC 1681s-2 ( 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 USC 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 Experian are not maintaining reasonable procedures. 

Also, 12 CFR 1016.7 states, " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

I opened a Wells Fargo simple business checking account on XX/XX/XXXX with bonus code XXXX. The terms of opening this account were that I : open a new business checking account by XX/XX/XXXX, make a minimum deposit of {$25.00}, deposit {$2000.00} or more into the new account, have a {$2000.00} minimum balance in the account on day 60 and make 5 or more qualifying transactions that posted to the new account by day 60.

I opened the Simple business checking account on XX/XX/XXXX with a {$2000.00} cash deposit. The same day ( XX/XX/XXXX ), I made 5 mobile check deposits for {$5.00}, {$5.00}, {$5.00}, {$5.00} and {$5.00}. I confirmed via Secure Message that the bonus was attached to my account ( WF SM Screenshot 01 & 02 ). 60 days after opening ( XX/XX/XXXX ) my balance was {$2000.00}. 30 days after meeting the bonus terms ( XX/XX/XXXX ), my balance remained the same but no bonus was deposited into my account. I reached out to WF via Secure Message on XX/XX/XXXX and WF states that no such bonus code is attached to the account ( WF SM Screenshot 03 & 04 ). On XX/XX/XXXX I reached out to WF again and they changed the term to 45 days after day 60 ( WF SM Screenshot 04 & 05 ).

I decided to give WF a chance to fulfill their changed terms and waited until 45 days after the terms have been met but there has still been no deposit to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX and Equifax credit bureaus to validate this account ( A ). 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 erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Beginning on XX/XX/XXXX, I received a collection account on my EXPERIAN credit report for {$80.00} from XXXX XXXX original creditor was XXXX XXXX. I had previously spoken with XXXX about this charge stating it wasnt mine, all of my payments had been on time and there were no missed payments. I was unsure where this charge was from. I disputed this account on XX/XX/XXXX where it was then deleted from my credit report. 
On XX/XX/XXXX, I received another collection account for {$320.00} from XXXX XXXX XXXX original creditor was XXXX XXXX. I disputed this account again in early XXXX, stating that this was not my debt an I was unsure where this was coming from. I had received over 5 phone calls a day from XXXX until XXXX from this collection agency, looking to collect this debt. The account was deleted from my credit report after the dispute on XX/XX/XXXX. 
On XX/XX/XXXX, I noticed there was another Collection account for the same charge from the same original creditor, however it was being collected from another agency XXXX. XXXX, XXXX I tried disputing this account again, yet this time it was only verified and updated not deleted. It is still on my credit report after sending two disputes on XX/XX/XXXX and XX/XX/XXXX. 
On XX/XX/XXXX another collection account posted to my report for the same amount from the same original creditor from XXXX XXXX XXXX I was not notified about this account until XX/XX/XXXX. I opened another dispute where I have yet to hear from EXPERIAN. I have attempted to call multiple times about this ongoing issue and have yet to get ahold of a representative. The one time I was able to, I was immediately put back on hold and was hung up on 15 minutes later.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter that requires urgent resolution. My aim in reaching out is to ensure compliance with the Federal Credit Reporting Act, specifically 15 USC 1666b and 15 USC 1681 ( 2 ) ( A ) ( i ). 

I have initiated contact with XXXX XXXX  regarding the negative late payment that has been reported on my consumer credit report. This interaction is in line with the provisions set forth in 15 USC 1666b and 15 USC 1681 ( 2 ) ( A ) ( i ). I've engaged with XXXX XXXX  on two separate occasions, with tracking numbers XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, in an effort to address this discrepancy. 

Furthermore, I have diligently notified TransUnion, XXXX, and XXXX about the inaccuracies in reporting. Multiple notices have been sent to each of these parties in an attempt to rectify the situation and ensure the integrity of my credit report. Subsequently, I had the opportunity to speak with a representative from TransUnion 's fraud department, conveying the urgency and importance of this matter. During the course of our conversation, I spoke with a manager named XXXX and reiterated the issue at hand. However, this conversation took an unexpected turn when XXXX abruptly ended our call, causing unnecessary delays and inconveniences. 

I am submitting this report in good faith, with the primary intention of ensuring that all Creditors and Furnishers of Information adhere to the stipulations of the Federal Credit Reporting Act. Accuracy and compliance are essential to maintaining the credibility and reliability of consumer credit reports. 

I kindly request your assistance in expediting the resolution of this matter. I believe that by working collaboratively, we can ensure that accurate and lawful information is being reported. Should you require any additional information from my end, please do not hesitate to reach out to me. 

Thank you for your prompt attention to this issue. I look forward to a swift resolution that aligns with the provisions of the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my sincere gratitude for providing me with the letter you shared earlier, which has shed light on the situation and clarified my understanding of the matter at hand. Your assistance is invaluable to me during this challenging time. 

While I acknowledge your perspective regarding my responsibility for the account in question, I would like to emphasize that from the years XXXX to XXXX, I was unjustly incarcerated abroad, far from the United States. Given my circumstances during that period, it would have been impossible for me to open or manage any accounts. It has recently come to my attention that my uncle, XXXX XXXX, may be the root cause of this predicament. I have discovered evidence indicating that he had access to my identification, even going so far as to use the name " XXXX XXXX '' Regrettably, it appears that XXXX has been exploiting my identity without my consent, shirking his responsibilities, and evading legal obligations. It is worth noting that he is considerably older than I am, which would be evident during the time when these accounts were allegedly established. Additionally, the phone number associated with these accounts is entirely unfamiliar to me, and I have never used it. public records may show it linked to me but he probably used it for numberous other accounts he creaeted so it would make sense. 

I kindly implore your understanding and compassion in this matter. It is my belief that you do not possess my signature on file or have undertaken a thorough verification of my identity. Tho im not blaming your institution, I have reason to suspect that XXXX may have received assistance from his former girlfriend, who was employed there. Her involvement could shed light on how these accounts were initiated she was later fired I humbly request your assistance in rectifying this situation by removing these erroneous entries from my credit report. My hope is to establish an honest and mutually beneficial relationship with your institution, one that I personally initiated and can confidently participate in. 

I appreciate your attention to this urgent matter and look forward to your prompt response. Please do not hesitate to reach out to me. 

Thank you for your understanding and assistance. 

account ending XXXX Re : Account ending in XXXX XXXX XXXX XXXX : XXXX CFPB Case : XXXX ive attached your document below
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and file a complaint with CAPITAL ONE AUTO FINANCE regarding inaccuracies on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). My name is XXXX XXXX XXXX XXXX, and my date of birth is XX/XX/. My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The related FTC report number for this dispute are XXXX, XXXX. Upon reviewing my credit file, I have identified several entries that appear to be inaccurate, duplicative, or fraudulent, with no evidence of authorization or approval by me. These entries do not correspond to any legitimate transactions, accounts, or activities that I have initiated and may be the result of fraud. As such, I assert that these inaccuracies violate my rights under the FCRA and FACTA, which provide me the ability to dispute inaccurate information and require you to investigate and correct or remove any unverified or erroneous entries.

I believe these inaccuracies violate multiple sections of the FCRA, including Section 1681e ( b ), which mandates that credit reporting agencies maintain accurate information. The disputed entries on my report either appear duplicated or contain no legitimate transactions authorized by me. In addition, Section 1681i of the FCRA requires that credit agencies conduct a thorough investigation of disputed items within 30 days ; however, this has not occurred. If the disputed information can not be verified, it must be removed or corrected. Furthermore, under FCRA Section 1681c, outdated negative information must be removed if it exceeds the seven-year retention period, and I believe some entries on my report may be in violation of this rule. In compliance with FACTA, I am entitled to receive documentation proving the accuracy of these entries, yet I have not received such evidence. Therefore, I formally request that CAPITAL ONE AUTO FINANCE conduct a thorough investigation of these disputed items and, if they can not be verified, remove them from my credit report immediately. If these issues are not resolved in a timely manner, I will pursue further legal action to protect my rights under both federal and state law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted experian on the XXXX to advise them that XXXX XXXX XXXX agreed to delete account XXXX. I was told to send the letter via fax to fax number XXXX XXXX XXXX. I did so on the XXXX  along with proof of payment. I called Experian today on XX/XX/XXXX because instead of deleting the account as XXXX XXXX XXXX agreed they update the account and give a XXXX excuse that they haven't gotten to the faxes from the XXXX but yet update my account either yesterday the XXXX or today the XXXX. I check my report religiously.
Product: Student loan

I had this loan with XXXX XXXX and it was transferred to First Mark Services in XXXX. Since then, I've had several issues with FMS doing whatever they felt was needed without asking permission. They've changed the terms of my repayment without notification or asking. I submitted a prior CFPB complaint when this happened. I also noted in that complaint that FMS 's actions violated my contractual agreement with XXXX XXXX and potentially nullified the contract itself. On XXXX I called in and spoke with XXXX about my monthly payment suddenly changing from {$170.00} to {$120.00}. XXXX told me that every XXXX the loan was reamortized which resulted in ~ $ XXXX/month reduction. She also claimed this is something that happened with all servicers in XXXX, but is not something I dealt with previously. Once my loan was set at a fixed interest rate and term - there should be no reason for my monthly payment to fluctuate. This is not the first time FMS has stepped outside the original terms of my contract, therefore I am reserving my right to declare this contract null and void. I had to call back and read this over a recorded line to XXXX for accuracy.
Product: Student loan

When loans were presented by school was told after twelve consecutive on time payments co- signer ( s ) would be released. All promissory notes were electronic. Now that we have met the requirements they are refusing to release co-signer ( s ) & doing a run around on information. Original promissory notes are no longer available.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and 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 reporting, credit repair services, or other personal consumer reports

XX/XX/2021 dispute regarding request to remove negative reporting missed payments on a XXXX business account auto loan, Disputes opened with Equifax, XXXX, and XXXX. The payments were not late but were reported late by XXXX after a failure on their part to adjust the loan payment structure following covid 19 and account being affected by natural declared disaster. There has been no response from XXXX or the 3 credit agencies regarding this matter.
Product: Checking or savings account

there are transactions that are missing they are not anywhere on my bank statement.I have went into the branch enough times and they keep lieing to me and telling me that I dont see the transaction cause it was a hold and it disapears, its fraud and its dscrimination and there is money that is being taken out and I dont recieve it back. i went in to the branch and the employee was lieing to me and avoiding searching for the transaction and threatened me that she was going to call the police.I stayed at the XXXX XXXX, XXXXXXXX XXXX  and the employee purposely saved my debit card info and after I checked out on XXXX and XXXX on both datesthe employee charged my debit card unauthorized, Icalled her on the transactions and said I would be refunded, I have not been refunded, my bank does not have the transactions they were deleted from the statement the charge was not any part of the hotel stay it was unauthorized and fraud, {$200.00} is to be refunded from the hotel, $ XXXX XXXX and $ XXXX XXXX the bank says they dont have the transactions they cant file a claim. 
I staed at the XXXX XXXX, XXXXXXXX XXXX  and XXXX XXXX I paid cash for the hotel stay but paid with my debit card {$50.00} and it was to be released on the XXXX then I stayed at the XXXX again on XXXX XXXX and XXXX I paid cash for the deposit on XXXX XXXX and used my debit card on XXXX, I have not recieved the refund. the bank says that there are no transactions that were made with my debit card. and I paid {$190.00} and then charged {$140.00} there after. The bank says that there are no transactions and started to fight with me. these transactions happened and it has to show somewhere and missing money from these transactions XXXX XXXX XXXX AND XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ARE THREATENING ME AND TAKING THE MONEY TELLING ME I RECIEVED THE MONEY AND I CANT STAY AT THE HOTEL NOMORE IF I TELL MY BANK. THEY ARE FRAUD LIEING TO MESTEALING FROM ME AND TRYING TO MAKE ME LOOK BAD.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

If the validated debt was accurate it wouldve been accurately reporting across all 3 credit bureaus. This is ground for removal they violated my r

ights under 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 : states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

Years ago, I got a loan with XXXX XXXX. Later they transferred the servicing to Mr. Cooper. When the loan was first transferred, Mr. Cooper added an escrow account. I told them I paid XXXX th more in interest to not have an escrow account. They told me I had no choice and I had to pay into an escrow account. I would fight them and they would finally delete thee escrow account. 

3 years ago, Mr. Cooper placed lender insurance on my account even though I had provided proof of insurance. During this time I called repeatedly about this and they refused to change the lender policy and accept my insurance policy. Therefore, I was forced to pay 2 insurance companies. Finally, I was able to get someone on the line and proved I had insurance and they refunded 3 years of impounds. 

Trying to be proactive, I called Mr. Cooper to make sure they got my insurance. At that time, I found out they stopped my auto payment and I was delinquent. Again, I tried to setup autopay and have not been able to do. I did get confirmation that they had my XXXX insurance policy. The policy in affect at ths time dates from XX/XX/XXXX to XX/XX/XXXX Even though they have a paid receiupt of approximateyt {$3800.00} and a policy showing paid in full, Mr. Cooper sent another check of approx. {$3800.00} to my insurance company. My insurance company has denied receiving this payment. This means I have paid my insurance twice. To make matters worse, included in my {$3800.00} amount is insurance for 4 other properties. This is a blanket policy for my rental properties, They are charging me interest on this amount even though they admitted they had proof of full payment for my 1 year policy. They are now telling me, I have to wait for the insurance company to cash the check and send me a reimbursement. That could take at least 6 weeks. Then I am told I have to mail that check to them to be put in my escrow account which I shouldn't have to pay. They want 1 year premium in the account in advance. 

I spend almost 4 hours every monthly trying to work out problems like this with Mr. Cooper. They want to increase my payment from {$390.00} to {$970.00} per month. .Also, they have created overdrafts for me by increasing the amount of payment with no notification. 

Please help me to get my {$3800.00} back from Mr. Cooper. Please get Mr. Cooper to reimburse me for the interest charged on this amount. Please help me to stop Mr. Cooper from collecting impounds. 

Thank you for your assistance. 

XXXX