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

Per the Federal Credit Reporting Act as federally protected consumer pursuant XXXX XXXX XXXX I XXXX XXXX am now OPTING OUT of any and all authorization I the consumer XXXX have given to XXXX XXXX XXXX XXXX written, unwritten, verbal nonverbal to report my non-public personal information. XXXX XXXX XXXX XXXX is in violation of the Privacy Act of 1974 also XXXX XXXX XXXX Reasonable opportunity to opt out because I was never notified by XXXX XXXX XXXX XXXX that my non-public personal information would be shared with Third party affiliated such as XXXX, Equifax, and XXXX and I was never given the opportunity to opt out which XXXX XXXX XXXX states I have the right to opt out on anything reported on my credit report and I supposed to receive opt out option every XXXX days which XXXX XXXX XXXX XXXX did not provide XXXX hereby exercising my rights under XXXX cfr XXXX according to XXXX XXXX XXXX I was supposed to receive XXXX different disclosures before my non-public personal information was shared but never received notice. To conclude XXXX, Equifax, and XXXX is in violation of XXXX XXXX XXXX XXXX sec XXXX because it states a reporting agency can not furnish an account without written instructions I did not give written instructions to XXXX Equifax and XXXX to report XXXX XXXX XXXX XXXX account and supporting sharing my non-public personal information such as transaction history and balance. I did not give written instructions or written consent for my non-public personal information and did not give consent for those agencies to report XXXX XXXX XXXX XXXX account on my report.
Product: Money transfer, virtual currency, or money service

By law they're supposed to follow all rules and they have not which affected me and so many ways they have not followed the law of cfpb and this has affected me in so many ways financially
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, my Experian.com account was " hacked '' by an unknown party. The hacker changed the login and all personal information on the Experian website making it impossible for me to access. On or about XX/XX/XXXX, the " hacker '' uploaded by credit report to themselves. On or about XX/XX/XXXX and XX/XX/XXXX, the " hacker '' applied for credit cards ; unauthorized inquiries were made with Experian and XXXX. With knowledge of my credit report and which credit cards that I had, the " hackers '' have spent the last two weeks calling my credit card companies, and in some cases, getting new credit cards sent to them at unknown and unauthorized addresses. In one case, the " hackers '' successfully used one of the cards at XXXX XXXX in XXXX XXXX New Jersey to purchase {$19000.00} of jewelry with the unauthorized cards. Upon learning of the " hack '' of Experian, i was able to get in contact with Experian, have them delete all the false information on my Experian account and re-establish internet access with Experian so that I could monitor what was going on with my credit. Yesterday, I attempted to gain online access to my Experian account. The password had been changed once again by the " hacker '' and I then clicked on the " forgot password. '' After entering personal social security number on the Experian site to get access, Experian advised that they sent a link to set up a new password to an unknown XXXX site that does not belong to me. Obviously, once again, the " hacker '' has illegally gained access to my account and changed the personal information. I have repeatedly called Experian and get a voicemail that does not allow me to speak to a person. There is no way to get in touch with Experian. How is a private company allowed to keep very vital personal information that can be used in very detrimental ways, and have such poor control over security that they repeatedly allow an unauthorized " hacker '' to gain access to my sensitive information that is used to my detriment. I asked them at the time of the first hack to safeguard my access carefully. Obviously, they did not. You should possibly investigate whether they should be allowed to keep such information without proper safeguards. Please contact them or advise me how I can call them and speak to a person who can help me. TIME IS OF THE ESSENCE, as the hackers are doing a great deal of damage to me, my family and my dental practice. Thank you.
Product: Debt collection

Someone at a previous address gained a copy of my personal information and used it to open a series of debt without my knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to dispute the accuracy of some of the information on my credit report, which I received from your bureau. I recently reviewed my credit report from other credit bureaus and noticed that there are accounts on my Equifax credit report that are being reported differently. Specifically, the following accounts are showing discrepancies : DEPT OF ED XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$5100.00} DEPT OF ED XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4500.00} DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$2200.00} DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4900.00}. I am confident that the information being reported by Equifax Credit Bureau is inaccurate. I have always made timely payments on all accounts, and I have never missed a payment. Therefore, I request that you update my credit report with the correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I challenged XXXX XXXX XXXX through Equifax sent Certified Mail on XXXX/XXXX/XXXX. They received it on XXXX/XXXX/XXXX according to my tracking number through USPS XXXX. I have yet to receive any documentation regarding my initial dispute and it has been more than 30 days. My credit report has never been noted that XXXX XXXX is under consumer dispute. I have called several times and have been on hold for more than 30 minutes. I have been unable to get in contact with a live Equifax Representative.

Under the FCRA 15 U.S.C. 1681i, every single one even each any and or all of the unproven, not compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account ( s ) must be promptly annulled in its entirety or even the whole of the claimed account ( s ) are to be deleted. Therefore, they were unable to provide me with a copy of the verifiable and irrefutable proof that they have on file for every one even each any and or all of the adverse accounts listed below and they failed to do so within 30 days of receipt of my complaint challenging their compliance to true accurate and complete timely reporting they must remove any and all of these accounts of chicanery leading to these unjust and unlawful accusations of subterfuge from my credit report. They are in complete violation.
Product: Credit reporting

XXXX listings on my credit report from Trans Union on derogatory list are paid and listed with XXXX balance and XXXX XXXX XXXX, ( XXXX XXXX XXXX, XXXX Ohio ) will not take this off my report. 

They were medical charges from XXXX Hospital in Ohio, and I contacted them and they contacted XXXX XXXX XXXX and said they wont take off my credit report. and that it will remain on my report for 7 years. 

Why should u pay them off?
Product: Debt collection

XX/XX/XXXX Midland Credit Management filed a petition ( law suit ) in the XXXX County Texas county court, claiming I owed a debt to " XXXX ''. I was made aware of the suit by a mailed advertisement from an attorney. 

XX/XX/XXXX I filed an answer with the court, explaining that the debt wasn't mine. 

XX/XX/XXXX A " convenient '' 30+ days after the original complaint was filed, I was served the complaint. 

XX/XX/XXXX Midland Credit Management filed a Motion for Default Judgement, on the false grounds that I did not answer the petition. 

Midland Credit Management is running an obvious 3-step scam : 1. quietly file a lawsuit, 2. wait 30+ days to serve defendant 3. file for default judgement because defendant has not answered within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

my information was stolen and used to open several fraudulent accounts
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment and frustration regarding your bureaus failure to delete the fraudulent accounts from my credit report, despite my submission of all required documentation, including the FTC Identity Theft Report filed with the Federal Trade Commission. I have diligently provided comprehensive evidence demonstrating that these accounts are fraudulent and do not belong to me. Other credit bureaus have reviewed the same documentation and have promptly removed these fraudulent accounts from their records. It is, therefore, incredibly disheartening to see that your bureau has not taken similar action. The persistence of these fraudulent accounts on my credit report is causing undue stress and potential financial harm. It is baffling and unacceptable that your bureau continues to report these inaccuracies despite clear evidence and confirmations from the institutions involved. I had expected your bureau to uphold the principles of accurate and fair reporting as mandated by the Fair Credit Reporting Act ( FCRA ). Your continued inaction not only undermines my trust in your services but also raises serious concerns about the efficacy of your dispute resolution process. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please produce a signature where i contracted with XXXX 
If there is a rebuttal to this, please provide a certified, written statement signed wet-ink by a principal or agent under the penalty of perjury of the United States evidencing a valid contract signed by both parties. 

15 U.S. Code 1681s2 ( A ) ( 1 ) A states 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. I, XXXX XXXX, as a person believe that information is inaccurate, and until XXXX XXXX dba XXXX can produce 1 ) a certifed statement with a wet-ink signature stating that the IRS form 1099c copy B is not proof of discharge and 2 ) a certified statement with both signatures by both parties XXXX XXXX XXXX XXXX evidencing a valid contract. 

The company states the loans have not been discharged. I request a full transaction report according to GAAP, public and private, giving valid proof of this claim. 

The 1099c document provided is NOT an attempt or claim make PAYMENT, but rather proof from that the debt has been discharged. As documented on the ACCEPTED IRS form, you received this form because a federal government agency or applicable financial entity ( a creditor ) has discharged ( canceled or forgiven ) a debt you owed.. There is no mention of me requesting this info to be accepted as a valid form of payment, there can be no valid form of lawful payment made, when in fact the debt has been discharged ( CANCELED OR FORGIVEN ). 

15 U.S. Code 1681b - Permissible purposes of consumer reports : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give this authorization, that is a violation of the Fair Credit Reporting Act. Privacy Act of 1974 ( 5 U.S. Code 552a ) record means any item, collection, or grouping of information abou an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports. ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains XXXX XXXX XXXX XXXX and Consumer reporting agencies XXXX, XXXX, and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX XXXX XXXX XXXX XXXX, Experian whether it be verbal, non-verbal, written, implied or otherwise is revoked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled up my credit report and found a charge that isn't mine. I filed a dispute with XXXX. They found it to be real - even though it is not. They haven't provided any documentation for these charges. The company that is claiming the debt will also not respond. I would like to speak with a person. I would like proof that I signed up for this item. Neither of these companies seem to be willing to speak with consumers. 

SUNRISE CREDIT SERVICES , INC ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX electronically got my info ( DOB, SSN, address, name, etc. ) from a third party and opened a credit account without my consent, authority, agreement, or wet ink signature. XXXX XXXX admits to having no physical or electronic signature and admits that is only XXXX XXXX XXXX " belief '' that the account was created by me. XXXX XXXX has not and can not provide any physical proof that I created the credit account as I have requested the physical proof for over 6 months now. Yet having no proof or authority, XXXX XXXX continues to publish derogatory comments on my credit report without any enforceable instrument to do so. I had been disputing the XXXX  XXXX account for over 6 months while XXXX  XXXX was attempting to collect so I asked XXXX XXXX for a forensic account audit on XX/XX/year> via CFPB case # XXXX, & then mysteriously on XX/XX/year>, XXXX  XXXX charged off the account which lead me to believe that XXXX  XXXX was attempting to collect on an account that was already paid & written off. My consumer rights are protected as The XXXX states ( a ) A person is not liable on an instrument unless ( i ) the person signed the instrument, or ( ii ) the person is represented by an agent or representative who signed the instrument and the signature is binding on the represented person under Section 3-402. The XXXX requires that any contract for the sale of goods that is worth {$500.00} or more must be in writing and signed by the person the contract is being enforced against. Under XXXX Section 3-401 ( a ) If the party does not sign, the party can not be held liable. XXXX XXXX need cease & desist, remove all derogatory marks & publishing ( s ) of account on my credit report especially with Experian credit reporting. Experian claims the information is not on my credit report yet Experian is the only company continually reporting the info for which I am disputing.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 XXXX 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 want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX AZ XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX Balance : {$260.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX.
Product: Debt collection

I hired a company to clear false information in my credit report. I received this letter from Crosstown Law, LLC representing XXXX XXXX XXXX , XXXX. Threatening legal action etc. if I do not pay the amount they requested and/or contact them to dispute or validate said account.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA XXXX XXXX including exactly what youre requesting. Proof of my identity, account which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my XXXX request. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX
Product: Debt collection

I bought an item that XXXX my XXXX, XXXX, and XXXX and Chase refuses to return the money in the amount of {$210.00}. I am scared to go back to XXXX XXXX because they may try to XXXX me. I need my money back from XXXX XXXX, they have sold me two things with dust on them that don't work.
Product: Mortgage

Today my adjustable mortgage interest rate, which is based on the XXXX rate, was increased to 8.25 %. 

My rate changes every 6 months and this is an increase from the previous 6 months, and yet, the XXXX interest rate has only declined. Today it is at 5.31 %. 

When I called my lender, they could not provide me with any digital documentation, and stated that my rate was calculated on XX/XX/XXXX. They refused to explain further or make changes, stating that this rate was now fixed until XX/XX/XXXX.
Product: Checking or savings account

Back in XXXX of 2020 My checking account was scheduled to be closed and I was told that it was closed. i even got a check for {$8.00} which what I had left in the acct. Well now Im getting letters in the mail stating I owe money for an over draft acct which I was told was closed. When I spoke to the banker XXXX she told me it was suppose to be closed but for some reason it didn't close and i got charge {$15.00} a month for non active status and i asked her if that can be waived since i knew nothing about it. she told me its nothing she could do with the acct.
Product: Debt collection

I submitted an initial complaint about excessive phone calls along with proof. I then received a letter dated XX/XX/year> stating that they received my request to cease all communications. I never requested this. I simply wanted the excessive calls to stop. If this is their response to my initial complaint, it is unacceptable.
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. 

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 has violated my rights. 

15 U.S.C 1681 section 602 A states I have a 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 reported agency may make any consumer report and containing any of the following items information any other adverse item information other than records of convictions of crimes which antedates 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 report agency if the person knows or has reasonable cause to believe that the information is in accurate
Product: Mortgage

A company called Winnpointe is engaging in deceptive mortgage practices. They are advertising a 2.875 % fixed rate for the life of the loan without clearly stating whether it 's a 30-year loan or a 15-year loan. This is trapping consumers into calling thinking this advertised rate is for their 30-year loan and is against TILA regulations.
Product: Debt collection

Cavalry SPV 1, LLC, keeps sending documents saying I owe a debt to them. I dont know who these people are and why they are sending statements that arent mine. On XX/XX/2018 I sent letters to them through the XXXX Returned receipt XXXX XXXX. I requested VALIDATION. So far they can not VALIDATE this debt and send copies of statements that arent mine. They have violated FCRA, FDPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report I noticed there were some late payment showing and due to the pandemic/hardship I was not able to make those payments ontime. The following accounts are listed that show late payments for 2020 : XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I was impacted by a FEMA declared disaster " Hurricane Irma '' and my home was in the disaster area. PNC placed me on a 6 month disaster forbearance with promise of doing a streamline disaster modification at the end. Since my property insurance did not pay anything because our home was not damaged significantly but had enough damage to put us behind with out of pocket expenses from power loss, loss of food, trees fallen, debris everywhere, siding damage, the insurance company raised the deductible to 5 % of total value of the home at about {$10000.00} and my damage was under that amount so it was all out of pocket on a fixed income. I used the money to recover from the disaster. My wife and I are XXXX XXXX XXXX veterans who both served in war in XXXX. 
We were never late on our mortgage payments and were current for years ( about 10 year ) until the hurricane. Other mortgage companies assisted many in our area and even the other properties I own. But at the end of the 6 month term PNC would not help and I was left being 6 months due. I would have never accepted the " assistance '' from PNC had they not given a commitment to help bring my loan current. Now I am facing a foreclosure sale date of XX/XX/2019 in spite of having a complete loan modification application which is simply my VA award letters and bank statements. Not a whole lot but PNC made it very difficult to have a " complete package ''. In spite of " dual tracking '' being restricted per CFPB servicing guild lines PNC continues to have a sale date and active review in violation.