23daVinci/CFPB_Complaints huggingface dataset:
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. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX XXXX. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I am now XXXX years old and I live in XXXX, XXXX and own my home since XX/XX/XXXX. Back in XX/XX/XXXX, I began the process to get a reverse mortgage. My broker person works out of XXXX XXXX  in XXXX. I was to finalize on this reverse in XX/XX/XXXX and then they kept finding different things that I had to provide them that pushed the date off and now we are in XX/XX/XXXX and we have not gotten there yet ... I informed my mortgage company -- CIT Bank of my plans and in XX/XX/XXXX they stopped taking my mortgage payments, I believe to push me into foreclosure. However, I wasnt worried about this because I knew that they knew that I was going to the reverse mortgage and get out of the relationship with them. The problem is that we are going into XX/XX/XXXX and I still have not closed on this new reverse mortgage, and my company -- while not allowing me to pay my mortgage, ( which also includes some shady stuff, which is the reason I want OUT from this company altogether! ), they are increasing the amount of money I am to pay them to have this mortgage by LEAPS AND BOUNDS!!! And I am not getting ANY real explanation from my broker .... or at least a reason that is reasonable!! Our last pay off deadline was XX/XX/XXXX and from XX/XX/XXXX to XX/XX/XXXX my company has increased the money I am to bring to the table {$6000.00}!! WHAT!!? The amount of money changes from one day to the NEXT day, where the pay off amounts from CIT are concerned! I believe I need some assistance from your bureau in this matter! One of my biggest concerns is that this process is offered to seniors -- persons over XXXX years old,  so the banks probably believe they can tell old people ANYTHING and to PAY ANYTHING and they will pay it, REGARDLESS!! I really want to get the reverse mortgage, BUT I dont want to be SCAMMED! I believe they will retaliate against me if I push them on this because of how they, 1. stopped taking my mortgage payments -- then they wrote me & told me they sent me a check, WHICH THEY DID NOT DO!, 2. they will make it impossible for me to get the reverse because they will cost me out of it -- charging me so much that I wont have the money to pay it, and XXXX ... .AND by then, I will be in foreclosure, and not able to do ANYTHING! I think I am being SCAMMED! the CIT bank is a hard bank to talk to -- they are just out right MEAN and I hate to talk to them! they call me 40 times a day! the calls are intimidating ... Please help me! Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX  Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Money transfer, virtual currency, or money service

Zelle didnt keep their promise and handle my situation they were supposed to handle. For that reason I am making this claim
Product: Credit reporting or other personal consumer reports

Hello XXXX, I noticed today that I have unauthorized accounts on my credit report. I became aware today that I was impacted by the XXXX XXXX XXXX. I am in the process of needing another car and this is hindering me. I would like for the following accounts to be removed from my credit reports with Transunion, XXXX and XXXX. XXXX XXXX account XXXX ; XXXX XXXX XXXX account # XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX # XXXX ; XXXX XXXX XXXX account XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for a car loan and was given an interest rate of 20 %. Experian report can not provide a FICO report. All my auto loans and student loan was paid on time an never late. I must be provided a FICO score for auto loan Dispute # XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ) by refusing to remove student loan accounts ( AGAIN ) that have been officially discharged by the U.S. Department of Education through the XXXX XXXX to Repayment program. This is documentation that will be evidence in my upcoming lawsuit. 

Details of the Violation XXXX. I received a formal discharge confirmation from the U.S. Department of Education ( Case # XXXX ) stating that my student loans from XXXX XXXX XXXXXXXX have been completely discharged, are legally unenforceable, and must be removed from my credit report. 
XXXX. Experian continues to report a balance on these accounts despite clear documentation proving they should no longer exist. 
XXXX. Experian failed to conduct a proper investigation and instead relied on information from XXXX, even though the U.S. Department of Education has already determined the loans are unenforceable and must be deleted from my credit report. 
XXXX. This willful noncompliance with the FCRA is harming my creditworthiness and ability to access financial opportunities. 

Supporting Evidence ( Attached ) Borrower Defense Discharge Letter from the U.S. Department of Education, confirming these loans are legally unenforceable. 
Experian Dispute Results, showing their failure to properly correct the information. They insist that this will remain on my report. 
Credit Report Excerpts, highlighting the incorrect reporting. 

Experian is in direct violation of federal law by refusing to correct this information. I request immediate intervention from the CFPB to enforce compliance.
Product: Credit reporting or other personal consumer reports

I value your help to CORRECT a portion of the data in my credit file, yet I have some items passed on that should be investigated. Per FCRA you are expected to correct and upate these items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

In XXXX I spoke to Wells Fargo with questions about my existing HELOC home loan and during the conversation, the Wells Fargo staff person revealed to me that my loan was a rare " XXXX XXXX. '' I asked what a " XXXX '' loan was, since when the loan was originated in 2006, no one ever mentioned this term or since explained that I had been given this type of " rare '' loan, which calculates the interest rate in a way that I pay more than even the 9.14 percent interest rate. Wells Fargo did not explain to me why I was given this " rare '' higher interest rate product, and even though I filed a complaint with Wells Fargo in XXXX or XXXX, and they answered me in writing in XXXX, I still have no adequate explanation. 

Last week my husband and I visited a Wells Fargo branch in XXXX and spoke to staff about financial set backs we have had since Covid, and although our loan is current, we asked the bank to reduce our over 9 percent interest rate ( calculated daily or XXXX  ) and although we have good credit we were not given an option to have our interest rate reduced without an expensive refinance process, which would only increase our debt, overall. This home that is mortgaged is in a predominantly working class XXXX American neighborhood. I want to know what research is available as to how many XXXX were given rare " XXXX '' loans, versus XXXX, or homes in predominantly XXXX neighborhoods in XXXX. I want my interest rate reduced without refinancing to help with the financial setbacks we have had since Covid, and since my husband 's job is our main source of income and he is in the XXXX industry, I want to shore up our finances for what may be another storm coming. I want Wells Fargo to pay me back all the extra interest I was charged under the " XXXX '' terms, that were never explained to me when the loan was originated. I believe the " XXXX '' terms were exploitative.
Product: Vehicle loan or lease

I voluntary surrendered a car US AUTO HOWEVER IS STILL REPORTING A high balance on my credit. I never received a sold statement from this company but they have placed on my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in XXXX XXXX XXXXXXXX Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in XXXX XXXX XXXXXXXX XXXX Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Checking or savings account

I opened an account with Capitol One and a brokerage account. i funded the account and i bought some stocks online and the checking account that i funded with cleared and after 15 days they said it then didnt clear and after that they pulled the funds back over and then Capitol One did what they say they would not do and they were telling me they would give me 72 hours to make good the amount reguardless but they did not they sold my stocks within the first two hours of my notice and I did not get the stocks that had already made me over XXXX  and i did not get to male good the account because the online accounts were opened and check cleared for that long since it was a new account they did ten days but it was also opened by ach transfer that cleared and that money was taken to cover the other account and that was not linked though it caused the account overdrawn and yet i had overdraft also and the entire thing turned out without the banking policy of review as i complained twice thru online and written letters and they did not respond to the compliaints and i didnt get any of my money or any of my stocks and no response, that they say were saying i would have the money while investigation would go on et cetera. Reference XXXX also dates XX/XX/2017 available funds
Product: Credit reporting, credit repair services, or other personal consumer reports

I was forced into bankruptcy in 2017 due to my daughters serious XXXX  XXXX. XXXX XXXX  refused to work with me on payment arrangements and kept stating they never received necessary paperwork that I submitted multiple times. I had to contact attorney and file chapter XXXX bankruptcy. I paid everything in less than two years. Now this past week I found out my credit bureaus were all frozen for almost one year. All three credit reporting agencies my report is blank as if someone erased all history. I have been paying my house on-time and or early since 2017. I filed for refinance and this is how I obtained my information was erased in writing from third party. I have contacted XXXX XXXX  numerous times they will not return my calls nor answer my questions. Now my credit is so bad I was turned down for refinance on my house. No one at XXXX XXXX  will discuss or address my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out about my credit score decrease with XXXX XXXX that I had XXXX accounts under collections with Southwest Credit Management ( for XXXX ) and XXXX  ( for XXXX XXXX ). I filed disputes with both companies and submmited all required documents. XXXX never reached back to me with a solid resolution. Meanwhile, I have also reported the ID theft incidents to local police and the FTC, both of which have issued case numbers. 

I requested my credit score to be fully restored and complete balances under both accounts to be dropped unconditionally. 

Thank you for protecting my rights. 

Best,
Product: Credit reporting, credit repair services, 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 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 an 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

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions.