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

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681i 15 USC 1681b-
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Account XXXX with XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A states that 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 an account without my written instructions
Product: Credit card or prepaid card

I have a Capital one credit card and Capital one 360 account. I use the 360 account to pay my balance down by {$200.00}. They show payment accepted. Then 2 week later I get email sorry your bank declined payment and sending money back. So I paid again another 2 weeks went by they did it again. I called bank they said no problem their end. Call credit card it bank fault. They both capital one best part they trying flag my account for late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 
. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you.
Product: Mortgage

This is the second time that I have submitted an online payment through XXXX XXXX XXXX 's online web servicing and it has not been processed properly. Each time, I enter the system, enter my payment information using a check and am given confirmation that my payment has been submitted and processed. This confirmation is given through verification of information, a confirmation number at the end of the submission, and a paper letter in the mail notifying of the payment processing. In this case, I submitted my payment for XX/XX/XXXX and received all of the above. I went into the system to make my XX/XX/XXXX payment and was notified that my mortgage was 30+ days late. When looking at my loan history, it shows that the payment I made was reversed three days after my  submission, however, I was neither notified by phone, email, or the system. When I called, they told me that I " must have made an error '' entering my information. When asked how it would take my payment information if it was inaccurate I got no response. When asked how and why I got confirmation numbers, they could not respond. This is the SECOND time that this has happened to me -- the first time they gave me a " grace '' and removed the late payment. Their customer service is well below par and service employees continue to " pass the buck '' and say that there is nothing they can do. I 'm frustrated that I can not trust the process that I 'm supposed to use to make payments and know that I am not the only person they are blaming a poor payment processing system on by charging late fees and negative credit reporting. This is not a way to protect customers who are trying to make their payments on-time -- taking several days to " reverse '' payments without notification.
Product: Bank account or service

I received my refund, a check for XXXX dollars from my school ( XXXX ) that I placed into my bank account with Suntrust on Thursday. It was available on Friday and i took out {$2100.00} to pay up my rent, immediately after that it was {$4000.00} hold on my account and no one has been able to tell me why. I have a very severe need for my money now. I have bills that have went past due, due to the holds on my account, I had to cancel a business trip for this weekend and I am unable to pay for my child day care. Suntrust is telling me there is nothing they can do and i have to wait until XXXX/XXXX/16 because my account is under '' review '' and they will not tell me why its in review. That would be one full week without having any money and no one being able to tell me why.
Product: Credit reporting or other personal consumer reports

Recently, i did an investigation on my credit report and found several items that are inaccurate.
Product: Debt collection

I noticed I had three amounts on my credit report totaling XXXX from XXXX XXXX XXXX XXXX. I filed a complaint last month with XXXX XXXX saying I had no idea what this amount was for. XXXX XXXX contacted XXXX XXXX XXXX XXXX and a letter from them was delivered to my house but to a name not known to me, XXXX XXXX, saying I owed XXXX. I called XXXX XXXX XXXX XXXX and spoke with a rep named XXXX. I told him my name was different from the name they sent correspondence to and that I had no idea who XXXX XXXX was. He asked me for the last 4 digits of my social security member and that matched XXXX XXXX but our birth dates were completely different. He asked me to fax him a copy of my drivers license to prove I was telling the truth and I faxed it to him the next day. He told me that that would clear it up so I was surprised to hear back from XXXX XXXX that XXXX XXXX XXXX XXXX said the charge was correct and should stay on my credit report. I'm at a loss on what to do as I am not XXXX XXXX and I proved that. I'd appreciate any help you can give me to get this erroneous charge off my credit report, thank you.
Product: Debt collection

I have a relative-by-marriage who apparently has some sort of debt. I have not spoken to her in 5 years and do not have a way to contact her. And yet somehow a debt collection agency ( though it may very well be a SCAM ) has gotten my phone number and for over a year has been calling me at least once a month with automated messages ( from more than XXXX phone number ), saying they are trying to reach my relative to serve her with collection papers. I have tried to tell them that I am not her and do not have a way to reach her, but they still contact me. I tried to download Call Blocking apps on my smartphone ( as they are calling my cell number ), but they are n't very effective and just auto-disconnect the call when I try to answer to tell them to stop calling me, but do n't stop the calls from coming through. I have also text-responded to these phone numbers with the same message, but I am still being harrassed. Now it is to the point where they have called me 9 TIMES IN THE PAST 3 WEEKS. Two weeks in a row, they called me 3 days in a row, from the number XXXX XXXX XXXX XXXX. XXXX this number shows that it is WIDELY reported to be a scam number, FAKE debt collection agency XXXX XXXX -- XXXX ).
Product: Credit reporting or other personal consumer reports

I called XXXX XXXX XXXX to opt out of reporting of any personal information and they rejected my verbal and written request. 

I requested that they tell me who gave them authorization to furnish data and publish it against my knowledge and they said Bank Of America did but i did not give Bank Of America permission to do so. 
If XXXX XXXX XXXX states that they were given permission by Bank Of America to publish my information I demand they prove it. Bank of America discloses that they do not disclose my information to non affiliates. So how did the Bank of America give you permission if I XXXX XXXX XXXX did not give Bank of America the permission to give XXXX XXXX XXXX my information. 

BANK OF AMERICA and XXXX XXXX XXXX have violated 15 U.S. Codes.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6803 - Disclosure of institution privacy policy 15 U.S. Code 6804 - Rulemaking 15 U.S. Code 6805 - Enforcement Bank of America has violated their terms with me because they state that they will not report or share any of my personal of information ( which I opted out of ), to non affiliates. Although Bank of America, XXXX XXXX, XXXX, and XXXX own XXXX XXXX XXXX they are also only investors. Being the case they are still considered non affiliates. 

XXXX XXXX XXXX consumer report that is included in pdf will be my proof of claim that they have my private information without my permission. 

nonpublic personal information ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information.

16 CFR Part 313 - PART 313PRIVACY OF CONSUMER FINANCIAL INFORMATION 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.

( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against XXXX. XXXX is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that XXXX is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave XXXX any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiry is being fraudulently furnished. I did not authorize, benefit from, nor consent to this inquiry and I demand it be removed from my consumer report immediately : XX/XX/2021 ( XX/XX/2021 ). If this inquiry is not removed, I will hold XXXX criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative item on my consumer report is preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If XXXX can not provide to me a copy of when I sent a written permissible purpose to validate this inquiry, I demand for it to be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiry that is being fraudulently furnished.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX/XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX  XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX/XXXX  Card XX/XX/XXXX, XXXX  XXXX   XX/XX/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 XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX reported to Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report.
Product: Debt collection

IN REGARDS TO COMPLAINT # XXXX. THAT WAS CLOSED. NEEDS TO BE REOPENED. THE COMPANY " XXXX '' STATED THAT THEY HAVE PURCHASED A DEBT WITHOUT ME BEING INVOLVED IN THE TRANSACTIONS ACCORDING TO XXXX XXXX XXXX. " XXXX '' HAS ADMITTED TO CREATING A DUPLICATE ACCOUNT. PURSUANT TO XXXX XXXX XXXX ( XXXX ) I AM A NATURAL PERSON. " XXXX '' IS IN VIOLATION OF PURCHASING A DEFAULTED DEBT. UNDER XXXX XXXX XXXX ( G ) AS A FEDERALLY PROTECTED I REQUEST ALL DOCUMENTARY EVIDENCE UNDER XXXX XXXX XXXX OF SUCH CONTRACT EXISTS WITH MY SIGNATURE, DATE OF ORIGINAL CHARGE OR DELINQUENCY., AMOUNT PAID FOR THE DEBT THAT " XXXX '' ADMIT TO PURCHASING WHICH THEY ARE IN THEIR RIGHTS BUT MY INFORMATION WAS COMPROMISED AND THIS IS AN INFRINGEMENT UPON MY CONSUMER RIGHTS. YOU ARE ABLE TO REQUIRE ABOUT CONSUMERS LOCATION INFORMATION PURSANTED TO XXXX XXXX XXXX ( B ) FROM A PERSON CLOSE TO ME WHO DID YOU COME IN CONTACT WITH? THIS IS CALLED DEBT PARKING. I REQUEST A XXXX XXXX XXXX AUDIT XXXX XXXX XXXX ( XXXX ) ( A ). NO CONTRACT NO CONSENT IS IDENTITY THEFT, AS I WILL BE FORWARDING TO THE FTC. CLEARLY IN VIOLATION OF XXXX XXXX XXXX ( A ) AGGRAVATED IDENTITY THEFT. AGAIN CONSUMER DISPUTES THIS DEBT AND ALL CLAIMS IN ACCORDANCE OF XXXX CFR XXXX, TITLE XXXX XXXX XXXX, REGULATIONS Z AND REGULATIONS M. AS TO I WAS NOT NOTIFIED I HAVE A RIGHT TO KNOW WHAT THEIR COMMISSION IS IF THEY ARE SUCCESSFUL IN THE COLLECTION OF SUCH DEBT PURSUANT TO XXXX XXXX XXXX ( C ) ( XXXX ). VIOLATION OF XXXX XXXX XXXX ( A ) ABUSIVE PRACTICES AND XXXX XXXX XXXX ( J ) XXXX XXXX XXXX XXXX Chapter XXXX, engaging in counterfeiting and such behavior is a felony according to XXXX XXXX XXXX ( XXXX ) ( XXXX ) if a company has filed a XXXX they have committed XXXX XXXX  and should be reported to the IRS XXXX under XXXX usc XXXX ( XXXX ) ( b ) no right to collect. if you are not affiliated with the united states XXXX and you are or are working with a private attorney. until you can produce a contract to collect services under XXXX XXXX XXXX you can not collect ant debt in the united states XXXX to XXXX XXXX XXXX CEASE AND DESISTS IN YOUR UNLAWFUL FURNISHINGS AND REMOVE FROM " ALL '' REPORTING AGENCY IMMEDIATELY. FOR MY EVIDENCE TO PROVIDE TO ANY COURT PROCEEDINGS I REQUEST XXXX FORM PLEASE SEND BACK ALL REQUESTED ITEMS LISTED HERE IN COMPLAINT
Product: Mortgage

We recently received a mortgage statement showing our escrow account increased by a little over {$460.00}. Which is over double what the current escrow payment amount was. We never received an analysis until we called and requested it ( which is attached ). We were previously in a bankruptcy, but were receiving other notifications from Nationstar through our attorney, such as interest rate changes due to our ARM loan. They are stating they sent one to our attorney and to us. However, this analysis is dated after the date of our bankruptcy discharge. We logged into our online account and there was also no analysis available. We called and realized that the reason for the increase was because they had not completed an analysis on our loan in years so the deficiency/shortage that is showing of over {$4500.00} is made up of years worth of items. We called Nationstar asking for previous years analysis and were transfer several times until the call was dropped after an hour of being on hold and/or transferred this happened twice. The third time after holding for almost an hour we were finally told that it is their policy that they do not preform an analysis unless the customer requests while they are in bankruptcy. There were new bankruptcy laws passed in 2011 to prevent this sort of action by lenders as well as RESPA law does not make an exception for bankruptcy loans. It just requires that the analysis be done at least annually. Due to their lack of compliance with laws we now have to figure out how to make a payment that is {$500.00} more than normal on a loan that is 12 years old and only had increase of disbursements of less than {$200.00}.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) To Whom It May Concern : I am submitting this FTC Identity Theft Affidavit to report fraudulent activity that has affected my FICO credit report. This activity includes unauthorized accounts and fraudulent collections resulting from identity theft and fraud. I demand that these fraudulent items be removed from all of my credit reports and that any collection activity related to these items cease immediately, pursuant to my rights under FCRA 605 ( b ), 15 U.S.C. 1681c-2, and applicable provisions of the FDCPA. FTC Report Number : XXXX, Wiht date XX/XX/2024 I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 and FCRA 605 ( b ) when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX Account # XXXX Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX is showing on my report for debt owed in the amount {$370.00}. I have sent two letters ( XX/XX/2019 and XX/XX/2019) I have asked parties for validation of debt owe yet to receive showing that this account belongs to me. This information is negatively affected my credit worthiness. I would appreciate if this account is deleted and removed from my credit report.
Product: Credit reporting or other personal consumer reports

The Following accounts XXXX XXXX  Account Number XXXX XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXX Account Number XXXX have been deleted from XXXX but are still reporting on Equifax And XXXX inaccurately. The law say every Credit Bureau must report complete and accurate data on my credit report.
Product: Vehicle loan or lease

This has been an ongoing problem for many months. I made my payments on time and confirmed all was well with Wells Fargo. Then they told me my payment was late and they charged off my account and won't allow me to make any further payments. 

I've written to the executive offices no fewer than 9 times requesting information and a conversation but I've received nothing other than form letters in return with no action possible.

I want to settle the issue properly, but I don't feel like the bank should have full control over what happens, particularly since their assessment of the situation is totally, provably false. I've presented my documentation proving my version of events. They refuse to even discuss the issue. 

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

Experian and XXXX refuses to remove an account on my credit report and claims account was verified as accurate although the account was dismissed in local court as being unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. 

5/3 BANK NA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Navy Federal Credit Union Has Crammed Me with advertisements through my portal I am currently a Navy federal Member they been solicting soliciting soliciting as I am and served this country to learn they pulled credit and state I am not a fit to there criteria DENIED
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX, XXXX XXXX XXXX repossessed my vehicle and the account on my credit report is showing charged off. However, whenever I look at the payment dates made on my santander consumer USA account that I still have access to, it shows last date paid XX/XX/XXXX. Yet whenever i look at my credit reports for all 3 bureaus, it shows charge off. How can this be? From my understanding, if an account is 90 days late, then it can go into collections or charge off status. I have no idea what's going on and this is strange.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Wife and I filed chapter XXXX bankruptcy on XX/XX/XXXX. 
We included our property XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX in the chapter XXXX. 
The bankruptcy discharged on XX/XX/XXXX Approximately XX/XX/XXXX I finalized surrendering the property to XXXX XXXX XXXX, because they wouldn't take it out of my name. 
I requested my credit reports on XX/XX/XXXX. I found that XXXX XXXX  XXXX and XXXX XXXX XXXX were both reporting adverse and derogatory late payments to all 3 of my Credit reporting agencies. 2 Died in Lieu 's for the same loan. 
I disputed the both to lines of negative lines to all 3 Credit Agencies on XX/XX/XXXX & XX/XX/XXXX via phone, electronic & written mail with supporting document. 
They will not remove either line off my credit report. 
I can send the full bankruptcy filing upon request ( 72 pgs ). Pertinent docs include on attachment 1.