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

Per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

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

I, hereby opt out of all third-party companies of consumer reporting agencies such as XXXX, Equifax and XXXX to XXXX information such as my student loan and credit card information such as : XXXX ) XXXX XXXX  Account Type XXXX Student Loan XXXX XXXX XXXX Account Type : Credit Card XXXX ) XXXX XXXX XXXXXXXX Account Type : Open Account XXXX ) XXXX/DEPT OF ED Account Type : Student Loan I have not given them full authorization to disclose any of my information of student loans. Please do immediately remove all student loan and credit card accounts listed on non-affiliated third party companies of XXXX, Equifax and XXXX Per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option Thank you for assisting me on this crucial request and I hope to hear form you within 4-10 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. 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. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Date opened XX/XX/2019 Balance : {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified XX/XX/XXXX about my server loan company XXXX will be notified about the case resolved with sweets vs XXXX This means my student loans will be deleted per my school-involved XXXX XXXX university and that I will no longer have to make payments to the loan server to where my account was transferred from XXXX  most recently. XXXX as the new server will remove all debts owed and shown on file to notify all credit bureaus about the news from the case mentioned above to remove such notices and amounts shown on my credit report. Therefore, once the cr bureau is notified my score is to increase as it never did before with the existing student loans on file. I never owed this outrageous amount. Charges in interest by DEPT OF EDU. My father had died as a militant man and I had a parent loan which he paid. Someone changed my student loan to a single loan from a parent loan and I learned that you can not do such a thing to any student. Besides that, the school XXXX convinced me and other students ( while other schools are involved ) that I/we will make over a certain amount like XXXX working in our graduate field. Bigotry was also a part of the school 's lack of integrity and advertising to gain loyalty. Upon my father 's death, he made sure my loans were paid in advance. The school then charged erroneous payments for out-of-state fees and dorm fees, which I was in a state with a driver 's license and address in Georgia where I lived in and out of the dorm but merely, but I was overcharged at XXXX a year for XXXX yrs when my father had paid the bill before me graduating. Nevertheless, I completed the XXXX Borrowers defense application in XX/XX/XXXX ordered by President Biden. This announcement also affected the sweets vs Cardona case win and resolution on XX/XX/XXXX! I also mailed you a letter from dept of Edu! And called you last 2 weeks ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED ALL 3 BUREAUS TO REMOVE THESE HARD INQUIRIES THAT I DID NOT AUTHORIZE REMOVED IMMEDIATELY. THEY ARE NOT COMPLYING, I HAVE SENT LETTER AFTER LETTER AND STILL, HAVE NOT RECEIVED ANY PROOF. THIS IS HURTING ME ALOT AND I NEED THIS FIXED. THE INQUIRIES ARE LISTED. 
XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX   XXXX Inquiry : XXXX XXXX, XXXX XXXX - AUTO FINANCE Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX   XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Case # XXXX-XXXX  was resolved with Specialized Loan Servicing stating in part : " Our records reflect that the account was reported as delinquent after the account was approved for the above-referenced loan modification trial period plan. A manual update was submitted to the credit reporting agencies on XX/XX/XXXX, indicating the account is participating in a forbearance plan from XX/XX/XXXX through XX/XX/XXXX. This update will be received by the credit agencies within 72 hours ; however, it may take additional time for them to update their records and for this to appear in official reporting. Please use this letter as verification of this correction. We regret any inconvenience this may have caused. '' On XX/XX/XXXX I was denied a mortgage due to my credit reports still showing an erroneous 120 day delinquency reported for XXXX of XXXX by SLS. On XX/XX/XXXX I called SLS and was told by XXXX ( teller ID XXXX ) that she would submit a ticket to have the delinquency removed. On XX/XX/XXXX I was contacted by the escalations department and told that the ticket had been denied, I was still considered 120 days delinquent. I asked them to read the XX/XX/XXXX letter which she did while I was on the phone. She promised to put in another ticket and reference the letter. 

We are now at 10 months and counting where I am being denied credit due to this erroneous credit reporting by Specialized Loan Servicing. At no point was I delinquent on my loan, the 90 day forebearance was pre-approved, I entered and completed the trial period of 3 months and my loan was modified. It is clear that SLS struggled and continues to struggle with loan modifications due to COVID. This system glitch has now impacted two loans for me.
Product: Mortgage

My house burned down. My insurance company sent me and my mortgage company a check for both of us to sign to pay off the property. Mr Cooper has given me more than one amount on the pay off and also charged me interest from the time the pay off was given to the insurance company and the time I sent in the check. Which for some reason they put in my escrow account. I don't know why they did that because I had called and done everything I was told to do before sending the check. I was charged interest after the payoff was given. I also believe my payoff amount is wrong. I paid extra on my principle every month which reduced my principle amount. I was given a pay off of XXXX from the website. Plus I can not get my escrow monies from them. Then my pay off jumped to XXXX when it was requested. Please help me investigate this company as I feel like they are taking advantage of the situation.
Product: Credit card

I received an email and text message on XX/XX/XXXX regarding a possible fraudulent charge on my Costco Anywhere Visa Card by Citi ending in XXXX. I quickly called the Citi fraud number to confirm that I did not recognize the {$97.00} charge to XXXX that the email and text had mentioned. The representative also mentioned a {$96.00} XXXX charge on the same day. I denied making that charge too. I confirmed other charges that I had made so it was decided to dispute only the XXXX XXXX charges, cancel that credit card and issue me a new one. 

The next day, XX/XX/XXXX, I receive an email/text regarding a {$97.00} XXXX charge on my newly issued credit card ending in XXXX. I called the fraud line again and the rep told me the charge XXXX have just been mistakenly applied to the new card. I confirmed I was disputing that charge. 

On XX/XX/XXXX I received another email/text noting the same charge and card number. I called the fraud line again and was told the only thing to be done was to dispute the charge, cancel the card and be issued yet another new card. I told the representative this charge would have to have been made before I even got the card and activated it. She apologized, but said that was all she could do. I was issued a new card. 

I now have the new card and all is fine with it, but there is still a {$96.00} XXXX charge on my card. I read the final resolution letter online and all it said was that Citi was confirming that I no longer disputed the charge. So I called the fraud line yet again to say there was still a charge on my card that I have been continually disputing from the beginning. On XX/XX/XXXX, I got my last email from Citi stating that they received additional information and reopened the fraud dispute. It is now XX/XX/XXXX and I have heard nothing and see no indication on my account that anything is being looked into. This should not be taking this long.
Product: Credit reporting or other personal consumer reports

For the last 6 months i have been trying to remove negative items from my credit report so that i can buy a house for my family.. i have constantly been givin the run around or stall letters regarding to my requests or i have gotten communication saying that the accounts are verified and accurate but when i look at my accounts they are still reporting inaccurate ( violation of 1681e ( b ) ( b ) ) and when asked about the method of verification under 1692g i do not get any communication i have attached all of my letters sent over the past 6 months with the accounts as well - XXXX XXXX XXXX Account Number : XXXX Violation of section 807 15 usc 1692e false or misleading representations. The account is fraudulent and inaccurate. There is no payment history reported. You have a responsibility to report complete and accurate information. If this you can not report a complete payment history then you are reporting inaccurate information. There is also no date of last payment being reported therefore this is incomplete reporting on your end. 

- XXXX XXXX Account Number : I was never been 30 days late on this account and always paid on time this is reporting inaccurately. Update the payment status to paid as agreed. Remove this account for inaccurate reporting because the date of last payment is mising. Since you have of not reported the date of last payment is messes up two things. 

First it shows does not help indicate when this account was actually charged off and secondly it manipulates the statue of limitations as I can not tell when this account is supposed to fall off. This means that you were never given the true date of first delinquency and this is causing me stress being reported.
Product: Debt collection

This company, Pressler and Pressler have sued me over a debt that I have disputed since about XX/XX/XXXX. They even tried wage garnishment XX/XX/XXXX which they lost that case because I was n't making enough money. Now, they have sent a sheriff to serve a writ of execution to my realtor broker, to garnish my next commission check to cover the alleged debt. No proof of court order either. It 's alot of money for me to just give up and stop the fight, but I do n't have any money to hire an attorney, either.
Product: Checking or savings account

on XXXX XXXX I checked my account with Wells Fargo and saw {$23000.00} taken without my consent and approval on XXXX money is rightfully and legally mine that I got from my XXXX insurance.I have proof of ownership of the money. I have XXXX income for the rest of my life and I have XXXX XXXX  to support plus I am XXXX and have serious health issues.I have my own expenses to take care. I saw that Wells Fargo and XXXX XXXX has done this to my account.They are after money I called the banks with no solution.They have no issue directly with me. 
I filed a police report, reported cfpb and informed Attorney General 's office. I asked XXXX XXXX XXXX  to return money back to my account. They said they have no issue with me.I feel I am treated unfairly unjustly. I want legal charges against the bank. I want the justice system to hear me and give me justice before they take my money away. I am XXXX and victim in this case. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX REFUSES TO HONOR THE WORLD RDS OF THEIR EMPLOYEES WHEN THEY SAY WE WILL REMOVE THIS FROM YOUR CREDIT REPORT. THIS PAYMENT WAS FOLLOWED BY A PHONE CALL TO EXPLAIN I HAD JUST HAD COVID AND THATS THE REASON I WAS LATE. I ASKED FOR THEIR SUPPORT OF THE COVID 19 CARES ACT SINCE I CALLED AND COMMUNICATED THE ISSUES. ITS NOT LIKE IM LATE EVERY WEEK. INSTEAD XXXX TIME WITH COVID 19, WHICH MUST MEAN NOTHING TO THEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that on my XXXX  credit report I only have XXXX open account, however my credit score doesn't reflect what is accurate, also I have hard inquiries on my XXXX and Transunion credit reports that I do not recognize. I would appreciate if this service correct their inaccurate information, also I do not understand why XXXX XXXX states I owe them a debt that they can't validate under oath, the original creditor closed the account ad it's paid off. XXXX XXXX never loaned me any money and I do not have a contract with them. Per HJR 192 and the corona virus pandemic I ask that this incorrect information is cleared up.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX. XXXX XXXX Account # XXXX. XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX. XXXXXXXX XXXX XXXXXXXX Account # XXXX. XXXX XXXX XXXXXXXX Account # XXXX. XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX bankruptcy discharged Date filed XX/XX/2018 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

I've demanded that WELLSFARGO AUTO PRODUCE THE ORIGINAL REATIL INSTALLMENT CONTRACT AND THIS IS THE 3rd TIME THEY SENT ME A COPY OF THE CONTRACT NOT THE ORIGINAL, SO IM DEFINITELY FEELING LIKE THEY ARE IN BREACH OF AGREEMENT. THEY REFUSE TO SEND ME A RECEIPT OF ALL 1099s and BONDS. I WANT TO BE SURE THAT I AM NOT DOUBLE PAYING AND IM PAYING THE CORRECT PERSON. I WANT THE XXXX BOOKKEEPING OF MY ACCOUNT NOT THE " TRANSACTION HISTORY '' IF YOU CAN NOT COMPLETE THE REQUESTS THEN I WILL ASSUME THAT WELLSFARGO AUTO AND XXXX XXXX ARE COMMITTING FRAUDULENT ACTIVITY AND WE COULD TAKE LEGAL ACTION. IF YOU CAN NOT PERFORM THE REQUESTED ACTIONS I WILL LIKE MY FULL REFUND OF PAYMENTS I MADE ON THIS ACCOUNT.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Consumer # XXXX XXXX XXXX XXXX SS # XXXX DOB : XXXX ID : Drivers License DL # XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers. 
Bank : XXXX XXXX XXXX XXXX. ( XXXX ) Account # XXXX Routing # XXXX Bank : XXXX ( XXXX : unknown ) Account # XXXX Routing # XXXX Bank : XXXX XXXX ( opened : unknown ) Account # XXXX Routing # XXXX Bank : XXXX XXXX XXXX ( XXXX ) Account # XXXX Routing # XXXX Bank : XXXX XXXX XXXX ( XXXX ) Account # XXXX Routing # XXXX Bank : XXXX XXXX XXXX XXXX ( XXXX ) Account # XXXX Routing # XXXX Bank : XXXX XXXX XXXX. ( XXXX ) Account # XXXX Routing # XXXX I am a victim of Identity Theft, and I dont recognize these accounts on my report. I am requesting the following information be deleted from my Early Warning consumer report immediately. I have attached a copy of my Identity Theft Report to this request. 

Thank you in advance! 

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

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 
The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
( List down each account- Account name-Account number-balance ) XXXX XXXX ( Original Creditor : XXXX NXXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$190.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$940.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXX XXXXXXXX XXXX****Date Opened:XX/XX/XXXXBalance : {$1700.00} XXXX XXXX Date Opened:XX/XX/XXXX Balance : {$110.00} XXXX XXXX  XXXX Date Opened:XXXX Balance : {$820.00}
Product: Credit reporting or other personal consumer reports

Transunion has obtained my information without my written instructions and has no legal authority under the fcra to create consumer report on behalf and share my information
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report after being unable to access for an extended period. Upon reviewing the report, I discovered that XXXX to XXXX accounts have been opened under my name without my knowledge or consent. These accounts include charge-offs and collections, which have negatively affected my credit score and financial reputation. It appears that my personal information has been misused, leading to these fraudulent activities. I suspect that my personal information was compromised, as I have not authorized any of these accounts or transactions and I have been a victim of identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Student loan

In order to pay for XXXX XXXX, I took out loans with XXXX XXXX ( as well as State/Federal ). I, like many others I 've heard from, have had difficulties communicating with XXXX XXXX representatives and getting good information. 

I have requested information from XXXX XXXX regarding how my minimum payment is calculated and about the history of my loan balances and how they have changed over time pursuant to the amounts I 've paid - e.g. how much was applied to interest vs. principal. 

I have been told this information is too difficult to gather ... and that the XXXX format of the information is difficult to translate into an email or letter. I had a sneaking suspicion that the minimum amounts to pay each month and they way they were being allocated were sub-optimal for me. 

Similarly, I requested an amortization schedule from them so I could get an idea of how my loan balances should reduce over time. I was told this was impossible because of my variable interest rates ... however, all of my loans through XXXX XXXX have fixed interest rates. A follow-up communication by me on the matter was not replied to. When I plug in my XXXX XXXX loan information ( principal balances, interest rates ) into Amortization calculators on the internet ( designed for mortgages ), I get different minimum payment figures than what XXXX XXXX provides, which furthers my distrust. 

I have included a PDF from XXXX XXXX that shows their answer to my aforementioned question, which includes the element about my loans and their variable interest rates. Again, my loans have fixed interest rates. 

Are these unreasonable requests? And how should I best approach the matters? XXXX of the reasons I decided to refinance recently was not just to save money, but also to not have to deal with XXXX XXXX anymore. 

Thanks!