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

I have consulted with an attorney who assures me that the FCRA requires CRAs to provide free reports, including online, but does NOT allow them to condition access to an online report on disclosure of a phone number and email. However, for years, XXXX and now Equifax as well, have done exactly that, and have ignored complaints about it being illegal claiming that they can do it because I can call or write to get a report. But again, the law EXPRESSLY requires online access and does NOT limit that access to my giving personal information I do not wish to provide to companies whose entire business depends on selling my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I have for a year now being reporting fraud account on my credit report and supplied experian with the police report they requested and they still have not removed the fraud account. 

Account name XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$12000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I submitted a dispute for the 3 bureaus and I have not get any information of the finding.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against [ XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 
On [ XXXX 2024 ], I notified [ XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 
I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 XXXX and I have retained documentation of my communication with the institution. 
Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that [ XXXX XXXX XXXX XXXX, and XXXX XXXX has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 
This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that [ XXXX XXXX ] complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers like me. 
Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by [ XXXX XXXX XXXX XXXX and XXXX XXXX
Product: Debt collection

In XX/XX/XXXX I received a letter from online information services stating that I owed a debt to XXXXXXXX XXXX  On XX/XX/XXXX I called and spoke to XXXX and I explained to her that I had previously received a letter from a different collection agency and that I had paid XXXX XXXX directly and advised the collection agency of that. The agency advised they would confirm and remove the debt from my report, so I was unsure as to way I was receiving this over a year later from a different agency. I advised her I was given a confirmation # when I made the payment. She advised she would sent a dispute to XXXX XXXX, and that it would not yet be reported to my credit profile ( however my confirmation # was not included I the dispute. ) I received another letter from this sane agency dated XX/XX/XXXX stating they contacted XXXX and I owe the balance. I contacted the agency today on ( XX/XX/XXXX ) bc I already paid the balance not only do I have he confirmation # I also have my bank statement showing the amount paid. I was informed to mail my bank statement bc they do not do any electronic correspondence. I then contacted XXXX and was advised that I do not have a balance with them which they'll be email me proof within XXXX of today. But I was informed that the debt has already been reported on my credit altho I was advised it would not be. I feel as XXXX this collection agency purchased my account and have not done what they were supposed to do to verify that I indeed owe this debt had they done so they would know that I don't and would not have reported to my credit report. Although I've explained to them that I have all the proof that this payment was made over ayear ago they are still trying to collect this money from me and now my credit has been negatively impacted. I feel like they lied about the dispute verification to XXXX and the corresponding letter is dated XX/XX/XXXX and I was told that they don't do electronic communications so if this is true how can mail a dispute to XXXX XXXX  on XX/XX/XXXX and with in XXXX business days ( as the XXXX was on a wed ) received a letter back from XXXX and mail a letter to me saying it was still owed. I feel like my hands are tied. Bc even if I mail off my bank report they XXXX still lie and say I owe the debt when XXXX XXXX is saying I do not.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX 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: Checking or savings account

On XX/XX/XXXX I purchased a phone off XXXX marketplace and paid my seller via XXXX on my citi application. When the phone wasn't delivered and seller blocked me I contacted the bank while payment was still pending to stop it. The bank dragged me in calls and forms until payment was cleared. I tried contacting XXXX directly but because I used the service via my citi app the only entity to contact them was my bank who kept on repairing contact ur seller despite how many times I repeat that I am blocked nothing happened
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Transunion in regards to inaccuracies and incomplete information on accounts on my consumer report. Transunion conducted an " investigation '', but the accounts still contain the inaccuracies and incomplete information. I am disputing these accounts again. Please see the attachments.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Transunion is falsely reporting XXXX XXXX XXXX- {$2800.00} on my credit profile. 

This account does not belong to me. This is not an attempt to repair credit.
Product: Checking or savings account

XXXX on account deposited a mobile check Sunday XXXX. Understand we don't have that in our account but there is some cash. Entire account placed on hold, can't access any money. Had available balance of {$200.00} prior to check being placed on hold. Call center rep. private called XXXX an threatened our family. Someone has applied for a XXXX XXXX business account with my XXXX information. Why am I not able to access my money that was deposited before the check? No one can tell me why it's Thursday and still NO MONEY. I bank with Huntington bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + US Bank, On a recent review of my credit reports I noticed there are unauthorized hard credit inquiries I would like removed - attached to this complaint are : drivers license social security card mailing address written complaint credit reports where located Please have these removed as soon as possible
Product: Debt collection

Navient has made several attempts to get information from my employer. They have called my office line, my company and have mailed requests to the company requesting that they disclose personal information about me and my employment. My company has a policy to request my authorization before releasing such info so I do not believe they disclosed. Navient should not be phishing and making attempts to acquire information about me through my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has inquires i did not authorize on my credit report that i did not request by any one.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

XX/XX/2023 I upload my passport and a current bill to show proof of residents and no action was changed on my credit personal profile on credit report. I called XXXX, XXXX, and equifax on XX/XX/2023 to correct my personal profile and to please mail in proof of the change and it was not corrected. I am reaching out to you to help me to remove all inaccurate information off of my credit report, and update correct information.
Product: Debt collection

On XX/XX/XXXX, I reached out to pay a debt owed ACCELERATED FINANCIA XXXX. After numerous of phone calls I got a supervisor by the name of XXXX XXXX his direct phone line is XXXX. I was able to come to a agreement of XXXX $ for the debt. I requested that he remove off all three credit bureaus. He stated to me as soon as I receive my paid in full letters to do a dispute for removal and their company will remove trade line off my credit. I received notification on XX/XX/XXXX that they updated debt as paid and didn't remove it from my credit. I called accelerated that same day and the reps response was the can no longer assist me because my file is closed. These people blatantly lied to me. I want these trade lines to be removed/deleted from my credit immediately. I did what they requested of me and paid my debt and they did up hold their part of the agreement. They also by law had 5 days to contact me after the debt was put on my credit in early XX/XX/XXXX. I didn't stat to receive phone from them until mid XX/XX/XXXX. This company is breaking laws and deals and I want stand for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) To : you Details XXXX XXXX Case : XXXX This e-mail sent-to : ( XXXX ), You have a pending charge on your account, kindly confirm your login credentials and card security codes to access your account online. Login after the verification process to ensure all your transactions are accurate. 

Confirm Credentials XXXX XXXX All users of our online services are subject to our Privacy Statement and agree to be bound by the Terms of Service. Please review. 

All rights reserved. Copyright 2021 American Express. 

Privacy Policy Terms & Conditions Support Account Subscribe
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 & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
XXXX. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have dispute accounts on several occasions and this company is still violating my consumer rights. The accounts and inquiries need to be removed or I will proceed with litigation.
Product: Checking or savings account

I am writing to seek immediate assistance regarding my WSFS Bank account ending in XXXX, which has recently been frozen. I have contacted customer service multiple times and explained that I reside over XXXX miles from the nearest WSFS branch, making in-person resolution extremely difficult. Despite these efforts, I have not received a clear explanation or meaningful guidance on resolving the matter.

I originally opened this account over 30 years ago in XXXX XXXX, New Jersey, when it was still XXXX XXXX XXXX XXXX. I remained a loyal customer through its transitions to XXXX XXXX  and now to WSFS. In all that time, I have never encountered an issue like this. The freeze appears to have followed a transfer between my accounts at different banks. While I understand and respect the banks responsibility to monitor activity, I believe this action was taken prematurely and without clear communication.

Adding to my concern, I noticed that while my account remains frozen,
WSFS had no issue deducting funds for my safe deposit box, as I confirmed yesterday. This inconsistency is incredibly frustrating, especially given my long-standing relationship with the
institution.

I respectfully request : A clear explanation for the account freeze A direct point of contact within your fraud or account operations team Immediate review and resolution, or a secure, remote method to verify my identity and resolve this matter This situation is causing significant disruption, and I am prepared to provide any documentation needed to verify my identity and the transactions in question. Please respond as soon as possible.
Product: Credit reporting or other personal consumer reports

Incorrect Information to be Removed : Names : XXXX XXXX Addresses : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Employer : XXXX XXXX XXXX XXXX to be Listed : Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX unit XXXX, XXXX, FL XXXX Please review the information and make the necessary corrections to my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Conformation # XXXX I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of FCRA-they are required to " promptly delete all information which can not be verified '' that i have disputed. please resolve this manner as soon as possible. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Identity Theft report
Product: Mortgage

4 mortgage servicers since I refinanced in late 2021. This is extremely frustrating as each time the servicer changes I have to create a new account, contact the servicer to update payment information and/or deal with escrow issues. Most current issue is that the new servicer is not paying the insurance premium to my property insurance company. Apparently Mr. Cooper did not contact the insurance carrier to let them know where to send the renewal or Mr. Cooper did not forward the renewal to the new servicer. I called the new servicer, RightPath, and the first representative hung up on me after I was tortured by their automated system. Next rep transferred me to another rep. That rep transferred me again. After being on hold for about half an hour, it took more than an hour to deal with this and the issue is still not resolved. I'm not allowed to transfer my mortgage, why are they allowed to do this? Even if it's allowed there needs to be rules that require the servicers to make the sale or transfer seamless to the borrower. Totally insane.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my recent credit Reports XX/XX/2022 ; I noticed for the third time deficiencies of reporting and inaccurate information on Transunion credit report in violation of Fair Credit Reporting Act Section 611 ( 15 USC 1681 I ) 15 USC 1681 section 602 A, Section 604 A Section 2, 15 USC 1681c ( a ) ( 5 ) and 15 USC 1681s 2 ( A ) ( 1 ). DUE TO THE FACT Transunion fails to keep 100 % ACCURATE information and proof of verifiable and true reporting. Moreover I recently contacted the United States Bankruptcy Court and XXXX ( Please see attached proof of certified mailing ) ; Transunion still reports false and inaccurate information on my credit report. The court and XXXX National Credit File Reporting Agency DENIES Transunion 's " verified as accurate '' Report # XXXX recent report. I am still waiting for Transunion to give full disclosure about their purported " investigations ''.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 I had a check paid that was unauthorized by XXXX XXXX in the amount of {$7400.00}. I contacted Wells Fargo and submitted my claim as I did not sign any contract with XXXX XXXX as you can see from the attached documents. The owner stole my check and funds and Wells Fargo declined my claim. Wells Fargo did not protect me and my accounts as this was a suspicious and unusual transaction for my account and did not verify with me as the account owner to process the check. I have taken Legal action against XXXX XXXX as Fraud and theft was committed and he was charged and arrested. However Wells Fargo refused to protect me as a Loyal customer of theirs as I have my full relationship with them including a Mortgage and Credit card that I have paid on time. I am a XXXX XXXX  from the XXXX XXXX and I have worked very hard to be a responsible Citizen in the United States and I feel that I have been Discriminated against and not protected by my bank that I have constantly made payments to my obligations with them and they are not returning the same respect and courtesy as I deserve. My children have suffered immensely as this situation has caused me financial burden and my bank did nothing to help me or protect me.