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

The account in question violates my rights as a consumer and pursuant to the Family Educational Rights Privacy Act ( FERPA ) the information from this account that appears on my consumer report was disclosed without consent to unaffiliated parties and violates the legal authority pursuant to 20 U.S.C. 1232g ; 34 CFR Part 99. Per the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Family Educational Rights Privacy Act ( FERPA ) to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX AZ, XX/XX/2019 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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.
Product: Credit card or prepaid card

Received an email from Chime saying a debit card was sent to an old address. Called them to notify that this was a fraudulent account. They wanted personal information to verify. Not comfortable giving them personal info.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XX/XX/XXXX on XX/XX/2020 ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/2020 XXXX Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ), I therefore legally request the DELETION of INACCURATE items from the PERSONAL INFORMATION section of my credit report with your agency. I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : XXXX XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX, AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : XXXX XXXX XXXX as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Product: Debt collection

Billed for services not rendered ( {$110.00} ) on XX/XX/XXXX. I cancelled the doctor 's appointment several days prior to the actual appointment. Confirmation of the cancelled appointment was given to me in writing. Payment by check from me was accidentally sent to the provider, XXXX XXXX. Seven months later, I received another invoice for same appointment. I disputed as services were never rendered. I received my original check back with a letter from the provider, dated XX/XX/XXXX that there was no balance due. On XX/XX/XXXX, I was contacted by debt collection agency ( Receivables Outsourcing , LLC / XXXX XXXX XXXX / XXXX, Md XXXX ) trying to obtain payment for this appointment. I do not owe any money, as services were not rendered. I contacted XXXX XXXX, the provider, on XX/XX/XXXX and left a message, but no one has replied.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : " XXXX - XXXX, XXXX XXXX - XXXX
Product: Debt collection

Dispute Dept./To whom it may concern, Please send me all information that you have on this account. Anyone can send an agreement, terms and conditions, statement, but that DOES not prove that a contract was signed as anyone can fill out an application online that could be bogus. Also, I want a copy of a signed agreement or contract as required by law. If you can not provide this information then I expect a letter of deletion to be mailed to my address as well as the three credit bureaus. 

Reference # XXXX I also would like to know if you are licensed to collect in my state. If so, send me your license number for me to view. If not provided, I will file a case with the FTC, XXXX, Attorney General, and the CFPB. 

Kind Regards, XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Product: Debt collection

Structured Settlement has been calling me from a local spoofed phone number multiple times and leaving a voicemail saying the following : starting on XX/XX/XXXX then again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again lastly XX/XX/XXXX at XXXX XXXX  EST we are calling in regards to the auto debit file here in my office. we wanted to give you the opportunity to respond on your own behalf and see if there are anything youd like us to take into consideration before we make our final recommendations and try to give you a chance to resolve this on a voluntary basis. this is a time sensitive matter and does require your immediate attention. telephone number is XXXX this is a documented and time stamped attempt to contact you i have called on the following dates requesting information including original creditor, date it entered their office, balance, and a verification of debt/validation. 
XX/XX/XXXX at XXXX XXXX  then again XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  ( hung up on ) XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  and finally XX/XX/XXXX XXXX XXXX  they said they emailed the requested documents on both XX/XX/XXXX ( requested on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and then again on Monday XX/XX/XXXX at XXXX XXXX. none of which have been received. 
each time they say they have emailed me the verification to me as requested but it is not in my inbox, my spam or my junk folder. they refuse to verify the mailing address on file, and they are increasingly disrespectful, hostile and rude. i also let them know i am working with a debt settlement company, and that they are to be contacting them, however they instead belittle my choice to work with said company and continue to harass me and leave aggressive voicemails and treat the matter with hostility. they have threatened that this will be turned over to their legal department as well.
Product: Credit reporting or other personal consumer reports

Accounts with Issues : XXXX ( Account # : XXXX ) Status : Closed. 

Issue : Account lists " Paid satisfactorily '' but includes incorrect payment history reflecting late payments during periods marked as " OK. '' This may violate FCRA 609 ( b ) concerning accurate reporting. 

XXXX ( Account # : XXXX ) Status : Open. 

Issue : High balance ( {$1200.00} ) compared to a credit limit of {$7500.00} but marked " OK. '' This could be flagged for excessive utilization inaccurately affecting credit scores. 

MIDLAND CREDIT MANAGEMENT ( Original Creditor : XXXXXXXX XXXX ) Account # : XXXX ( XXXX, XXXX, XXXX ) Status : Seriously past due/ assigned to attorney or collection agency. 

Issues : Discrepancy in account type : Listed as " Open account '' with XXXX and " INSTALLMENT '' with XXXX. 

Past due balance of {$1100.00} across all bureaus flagged as " collection account, '' but no payments are reflected in the two-year history. 

Violates FCRA 609 ( a ) ( 1 ) due to inconsistent reporting and FCRA 607 by potentially misclassifying the account. 

Non-Account Holding Inquiries : 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 These inquiries are unauthorized and may violate FCRA 604 ( c ) by failing to meet permissible purpose criteria. 

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccuracies and Unauthorized Inquiries in My Credit Report Dear CFPB, I am writing to formally dispute inaccuracies and unauthorized inquiries on my credit report as obtained from XXXX, XXXX, and XXXX. Below, I detail the specific issues : 1. Inaccurate Account Reporting : XXXX ( Acct # : XXXX ) : Discrepancies in payment history suggesting incorrect reporting. 

XXXX ( Acct # : XXXX ) : Unreasonably high credit utilization flagged as " OK. '' MIDLAND CREDIT MANAGEMENT ( Acct XXXX : XXXX ) : Discrepancies in account type and reporting of past due balance without supporting payment history. 

XXXX. Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries lack permissible purpose and violate the Fair Credit Reporting Act ( 604 ).

Requested Resolution : Deletion of inaccurate and unauthorized items from my credit report. 

Compensation of {$1000.00} per violation under FCRA provisions. 

Confirmation of resolution in writing. 

Thank you for addressing these matters promptly.
Product: Mortgage

I have never been late on my mortgage payment. In fact, I will have paid off a 30-year mortgage in 11 years ; I only have about {$4000.00} left to pay. Yet my loan, which was purchased from XXXX XXXX XXXX by XXXX, was subsequently turned over to LOANCARE, which states they are " attempting to collect a debt, '' as though I was behind or unwilling to pay. I was not notified by XXXX XXXX that my loan was being transferred, and if LOANCARE sent any information, I discarded it, as I was not applying for a loan or anticipating any " loan information. '' I first found out there was a problem when I tried to pay my XX/XX/XXXX payment to XXXX XXXX. I paid by phone, and for the XX/XX/XXXX payment, tried to pay online on XX/XX/XXXX. My complaint is two fold. ( 1 ) I was charged a NSF fee on the XX/XX/XXXX payment. This fee was added to my payment IMMEDIATELY upon making the payment ; it shows up on the payment confirmation statement. Neither the XXXX or XXXX payment was returned for NSF issues ; I had plenty of money in the bank. ( 2 ) When you try to call the number provided by XXXX XXXX for LOANCARE, XXXX, you can never talk to a human being. Do not be confused by the statements " if you wish to make a payment by phone or talk to a representative, push 1, '' because after pushing 1, you never get an opportunity to talk to a person. I tried all the options, and never can get a live person. Pushing 0, results in a message " you have pushed a wrong option '' and if you do that twice, the recording says " you have again pushed a wrong option, Goodbye. '' and hangs up. For something as important as servicing a mortgage payment, you should be able to speak to a person ; everything does not fit into their " fully automated phone system. '' There was no button to push for when " unwarranted charges were applied to my payment! ''
Product: Debt collection

I have been recently monitoring my credit report, and found an agency called XXXX XXXX I have never heard of this company nor did I do business with them. I called  XX/XX/XXXX and spoke with a representative asking how did this agency obtain my information that is now on my credit report. She asked me for my phone number in which I presented the agent the number but she could not find me according to my phone number. I refuse to give some unknown agency my personal information which can be used to damage my reputation. I did not receive anything in the mail granting this agency access to my medical history. I did not receive anything in the mail claiming that I owed this allege debt. this agency is asking for a total of XXXX which they say I owe. this agency has been on my credit report since XX/XX/XXXX of this year, when in fact, I had no derogatory remarks or ever using any services. XXXX had a breach that affected millions of consumers and since then agencies such as the one above have been getting my personal information without my consent.
Product: Mortgage

I have already filed a complaint # XXXX with cfpb about Wells Fargo home mortgage. I have received letters from three big VPs in WF with generic letters XXXX XXXX XXXX - Home Mortgage XXXX XXXX XXXX - Home Mortgage XXXX XXXX - Home Lending Basically stating we can't help you. 

Here was the issue one more time ...

I made the stupid and foolish mistake of taking covid relief option for the home mortgage loan for 3 months ( XXXX, XXXX and XX/XX/2020 ). My loan # XXXX before the arrangement was {$170000.00} now it changed to {$180000.00}. Plus instead of differing me for 3 months they differed me for 4 months even though I informed them that three months all I needed. I made the payment for XX/XX/2020. But WF didn't help.

Worse of all and not knowing that WF reports on monthly basis all customers banking activities to consumer credit reporting agencies. Although, I was assured by the government that going on deferment with your bank will not impact my credit report negatively nor any information will be shared. It was opposite of all. My credit report was negatively impacted as WF reported my differements and was DENIED refinance mortgage loan. Currently, WF charging me haffty 4.25 % interest while I can get under 3 % a new mortgage loan. I have been a 25 plus years customer of WF and they treated my like XXXX. 

WF is a very large and greedy organization. Their leaders don't know what's happening to their customers. I am disappointed on their response, services, lying on my credit report and failing to address or fix my issues.
Product: Vehicle loan or lease

My husband had lost his job and then we had a death in the family. We try to get then to work with us but no.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Charge Offs - 15 U.S. Code 1601- did the creditor provide all disclosures necessary under truth in lending? 
I sent certified mail XX/XX/XXXX and letters throughout the month of XX/XX/XXXX asking for validation of American first finance Debt. Didnt receive results and its taking longer than 30 days. As its several inaccuracies from this account. See attachments. 

This debt collector engaged unfair, abusive, and deceiving tactics that are unlawful under the FDCPA. They provided this account, for which i did not sign an agreement, and we did not agree. Two parties must sign a legal contract, and I was not involved in any of it. Furthermore, they failed to stick to the correct five-step validation procedure, which renders these activities unfair. I'm entitled to payment under the FDCPA for each infraction, and it's apparent that they broke my rights. 
I appreciate your prompt attention to this matter, and await your reply.
Product: Mortgage

Hello, I have a loan with PHH Mortgage that was transferred. I am in Covid-19 forbearance. They are reporting my account as 120+ days late to XXXX  and it's causing my credit score to go down. According to the cares act they shouldn't be doing this. Please help resolve this.
Product: Debt collection

I am filing this to address an inconsistency in my credit report concerning an account that has been removed by XXXX and XXXX due to an identified error. I am baffled by the verification process undertaken by your bureau, especially considering that other credit bureaus have successfully removed this account from their records. I kindly request that you conduct a thorough review of this account, taking into account the information provided by XXXX and XXXX, and the subsequent removal of the account from their records. According to credit reporting laws, inaccurate, erroneous, incomplete, or unverifiable information should be promptly rectified. Here are the account details : XXXX & XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. I urge you to delete this account from my credit file, as it is now inaccurate and has been acknowledged as such by XXXX and XXXX.
Product: Money transfer, virtual currency, or money service

Late XXXX I opened a Venmo account to assist my small business with customers transactions to make it easier and also more convenient. 

Early XXXX I received an email stating my account has been frozen. I was confused because I had a balance of {$430.00} and was in the process of transferring that money into my debit card. I have never had this issue before with Venmo. Yes, I had previously transferred funds into the SAME debit card and was always consistent. 

I have reached out to Venmo everyday this week & my account is still frozen with MY money being held. I didnt violate and terms or agreements with Venmo because I spoke to numerous agents stating how uncertain they are why my account is frozen. 

Since then, I have read so many similar stories and scenarios like mine & how stressful this situation can be. Something needs to be done immediately because my funds are no longer mine right now. I want to close this account and receive my funds.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXXXX/XX/year>
Product: Payday loan, title loan, personal loan, or advance loan

Possible financial Inc. 
Account opened : XX/XX/year> Possible financial Inc. 
Account opened : XX/XX/year> Both these accounts were open fraudulently and unauthorized by me, therefore should be removed from my account
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. The person was caught and idicted ; however, I need these inquiried removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : 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 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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated, my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A ... ... .. states the right of privacy 15 USC 1681 section 604 A section 2 ... ... .... States a consumer reporting agency can not furnish accounts without my written instructions.

15 USC1666B ... ... ... ..A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late or any other purpose. 
ALL RIGHTS RESERVED