23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing today to advise you that your agency is in a major violation.I have been doing some studying myself and i have learned that the only person that give consent is the consumer and thats me.you are allowing improper use of credit reporting against what the LAW has written.The consumer controls the credit reporting not the agency.also Late Payments are illegal to report with out my consent.15 USC 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.I XXXX XXXX DID NOT CONSENT to any bank or agency report my consumer report.15 USC 6802BA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.I AM A INDIVIDUAL CONSUMER ..Under the FCRA, a debt collector must investigate any disputes that are made in writing within 30 days. I have disputed this debt in writing, and your company has not responded within the 30-day timeframe. This is a violation of 15 U.S. Code 1681i ( a ) ( 1 ) ( A ).
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 me federally protected consumers rights to privacy and confidentiality under 15 USC 1681 DEPT OF EDXXXX XXXX XXXX 15 U.S.C 1681 SECTION 602A. 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 instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the reports 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: Mortgage

My mortgage was reassigned to Fay Servicing, effective XX/XX/XXXX. On XX/XX/XXXX my home substained major damage as a result of Hurricane Irma. I filed an insurance claim through Fay Servicing and throughout the process, my account manager was reassigned 5 times from XX/XX/XXXX through XX/XX/XXXX. During this time period I applied for mortgage modification  twice and each time, I had to contact Fay Servicing to receive an update of my package, and each time I spoke with a different agent, who related different information concerning my package. After paying my contractor money to repair my home ; I attempted to make a payment to Fay Servicing, however I was told they will not take a partial payment, I had to pay the arrears in full and in order for them to consider my modification package, I would have to obtained Homeowners Insurance ( which was not mentioned in the document requirement package ). Each month my mortgage get further behind and I do not know what to do.
Product: Credit reporting or other personal consumer reports

This is my XXXX round of Debt validation and Experian continues to bypass my request and use information I provide in my dispute letter to update my account which under FCRA is illegal. I requested the Original purchase agreement, copies of account statements, and any other details that proves that the collection companies they are reporting from has legal information.
Product: Mortgage

This has been an ongoing issue with SLS since XX/XX/XXXX. They froze my HELOC due to a credit score decline. My score declined due a fraudulent collection account with XXXX i/a/o {$30.00}. I contacted and filed a claim with CFPB at that time as I felt that there was no reason for freezing my HELOC. Only through the assistance of the CFPB was I able to get information from them pertaining to my credit score. I rectified the collection situation and the collection account was removed from my credit report. Accordingly my credit report improved back to the norm shortly therafter. I requested that they reinstate my HELOC, which they refused as I need to provide them with a credit report reflecting an improvement of my credit score, at my cost of course. At that time I refused. I recently forwarded them a recent XXXX credit report dated XX/XX/XXXX and requested that they reinstate my HELOC on XX/XX/XXXX. I received a letter dated XX/XX/XXXX which indicated that they are refusing to reinstate my HELOC until my FICO credit score is XXXX, at a minimum, time of origination. My credit score is currently the following XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX. My credit score as reflected is a very high score and warrants an extension of credit from any institution. SLS is stating that the score does not meet their requirement. How is it possible that the aforementioned scores do not warrant reinstatement? I 'm confident that they are extending credit to other consumers at scores below my score. I 'm very concerned that they are violating equal credit opportunities. Please help.
Product: Credit reporting or other personal consumer reports

Experian is needs to Reinvestigate the disputed information in my dispute letter. They need to notify me within XXXX days of receving the information that it is being reinvestigated. They are not in compliance with Metro 2 standards.
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 Account # XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # 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 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: Checking or savings account

On XX/XX/year>, I received what appears to be a legitimate debit card from Cash App ( issued by XXXXXXXX XXXX ) .I have never had a Cash App account, nor did I request the debit card. After calling Cash App, I was told the only way to close the account would be to give them every detail about the card, including full number, expiration date, XXXX, along with pictures of the card. This is exactly the same information the scammer would want. I haven't yet taken those steps because of how suspicious the whole process seems and how cheerful the Cash App agent was throughout my brief call. 

After searching the internet, it seems this is a common problem with Cash App and XXXXXXXX XXXX refusing to complete adequate XXXX compliance tasks and endangering people with no existing affiliation with the companies whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first wrote a certified letter to XXXX XXXX XXXX  XXXX # XXXX asking them to verify alleged debt. I am unaware of this debt. XXXX  XXXX chose to not respond. I then asked XXXX, XXXX AND EQUIFAX to verify debt. XXXX AND XXXX were unable to get the company to respond or give proof that I in fact owe this alleged debt. EQUIFAX has come back verified. I called EQUIFAX on a recorded line XX/XX/2022 and XX/XX/2022 asked them for proof of their investigation or how they came back with their decision. On XX/XX/2022 I was told by an EQUIFAX EMPLOYEE that THEY are not allowed to delete items under the FCRA which I know is not true. I spoke to a supervisor who also stated that XXXX XXXX has to be the one to tell them to delete the items which I also know is not true. I called again XX/XX/2022 and I was told that XXXX XXXX  verified the information but when I asked them what they sent that was verifiable the EQUIFAX EMPLOYEE stated that she could not see that in her system. She then proceeded to tell me on a recorded line I would have to file a police report even though the account was deleted from XXXX AND XXXX because they did an actual INVESTIGATION. 

Equifax stated my account was properly investigated but how is that possible if what I stated above is true that would mean they did not investigate, validate, verify or do anything that they are upheld by the law to do. I have proof as well. This is ground for removal. They also violated my rights under 15 U.S.C. 1681 section 602 A. 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. 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 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 



PROOF ENLCOSED
Product: Mortgage

Began calling servicer when income decreased. Call center in XXXX gave false information repeatedly. Sent in repeatedly load modification packet American Home mortgage was working with us on modification while filing foreclosure and not serving or advising Hope Now was contacted to no avail. 
Homeowners were dual tracked repeatedly. 
Libor rate is
Product: Credit card

I bought a software package using Discovercard. The software included XXXX mail-in rebates, which were advertised by the merchant. The transaction was therefore to purchase a product *and* XXXX checks ( which were to arrive at a later time ). XXXX of the checks was never sent. Discovercard refused to dispute the charge on the basis that the rebate is " between you and the merchant ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC 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
Product: Credit card

Accounts were opened fraudulently, was summoned to court where the judge ruled on my favor, dismissed the cases, but LVNV refuses to remove the accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am 30 days past due on XXXX - partial account number XXXX. ( Please see page 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

To whom it may concern, upon reviewing my Credit Report I noticed several inaccuracies .Many unauthorized Inquiries. 
UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The inquiry was not authorized XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 

. The status is incorrect for the following account XXXX XXXX XXXX  XXXX Account Number : XXXX Please ensure that all information is accurate. The status is incorrect for the following account XXXX XXXX  XXXX XXXX Account Number : XXXX Please ensure that all information is accurate Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX XXXX XXXX  XXXX Account Number : XXXX This is not mine.
Product: Money transfer, virtual currency, or money service

I have contacted my bank, the IRS, and XXXX. I have contacted Chime Bank and talked to supervisor or employees to find my federal tax return I have revised a letter from the irs and XXXX stating that chime bank has my federal tax return. Ive continue to call chime to see where my return was, at first I was told by my bank the return and it would be processed. After I called them the next day my return was no where to be found. The refund amount was {$620.00}.
Product: Debt collection

Hey, I recently conducted a review of my credit report, and I noticed that this company ( DIVERSIFIED CONSULTANTS INC ) showed a collection account that I find to be problematic. I have reached out o them and they informed me that the balance due was from a past due XXXX  account. I have never had or owned a XXXX  account/phone or ever established service of any kind from XXXX. 

The company also informed me that the account has been open since XX/XX/2017 ( 2 yrs, 9 mos ) and I have been with XXXX for the past 12 years. 

I contacted XXXX  which is the credit bureau that they are reporting this collection to as well, and asked them to take action to get thi collection removed from their records and to erase any record of the collection with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue upon investigation. I wanted to contact you as well, just to make sure this gets done. 
Please investigate this collection and this company ( DIVERSIFIED CONSULTANTS INC ) at your earliest possible convenience, as I am  going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Ive talked to this company ( DIVERSIFIED CONSULTANTS INC ) over 10x already informing them that this is not my debt/account/and or collection and have yet to get any positive feedback or validation that this account is indeed mine. 

My name is XXXX XXXX and you can contact me via email or phone with any correspondence on this matter as it will help me further on getting this collection removed from my credit. 
( Phone ) XXXX
Product: Checking or savings account

I received a notice on XX/XX/XXXX that I had won a sweepstakes along with a check for {$12000.00}. The notice included the contact number of a claims agent ( XXXX ) and instructions to call. I called the agent ( XXXX XXXX ) who told me to deposit the check on Monday  and call him for further instructions. I checked on the issuer of the check which was a legitimate insurance company. I deposited the check on Monday  and it cleared the bank in four hours. I then called XXXX XXXX, who told me to purchase {$7800.00} in money orders and overnight them via XXXX to XXXX XXXX, XXXX XXXX XXXX, XXXX IN XXXX ; he would call me upon receipt of funds. On XX/XX/XXXX I received no call and became suspicious, so I contacted the bank. They informed me that the check had cleared, but that I should " keep an eye '' on my account if I had any concerns. 

That evening I checked my account and discovered the check had been returned. This morning I called the bank, which informed me that the reason for the return was " return to maker ''. This of course means that I have lost {$7800.00} in my own personal funds. I am upset that the bank did not advise a hold on the check or provide some other verification as to the legitimacy of this check. This lapse in vigilance and security was just enough to provide a window for the scammers to bilk me out of {$7800.00}.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Social Security Number : XXXX Contents of Complaint : This complaint is being filed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) to request that XXXX, the credit reporting agency, block the information on my consumer credit report that is the result of identity theft and fraud. I expect this action to be taken within XXXX business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes : Please delete and block the following negative items on my credit report : a XXXX XXXX  account ( account number XXXX ) with a balance of {$18000.00} opened on XX/XX/XXXX, XXXX  XXXX XXXX account ( account number XXXX  ) with a balance of {$1700.00} opened on XX/XX/XXXX.
Product: Credit card or prepaid card

Around the end of XXXX, I applied for an American Express delta gold card online. I was approved and upon approval, they gave me a digital card which the numbers were diff where as the digital version didnt have your delta sky miles number on it. So two months later after getting the physical card, I said lrts Use it. and they go declined so after I apply online then applied delta skymiles number called XXXX to put it on my card which they did.after all that, some XXXX XXXX transfers me to no XXXX XXXX or XXXX XXXX from XXXX. So after three min Id usually say to XXXX him off I said but I go can you repeat what you just said to long story short XXXX boy goes theres a question to verification of who I am. And this after temp card skymiles physical card no one called me no one wrote me a letter and god forbid I use constitution as something I go thats not legal. The affordable care act mandates ins companies to give a consumer thirty day notice if they will terminate their twelve month contract. Sure changed contract law so in a court of law my application comined with XXXX ending me physical card = contract. So now I hold to the physical card went to noteary got XXXX motorized proof I am who ya approved card for so XXXX goes XXXX XXXX cancels my card and never told me why. Thats legal have you ever heard of the intelligence identification protection act? When XXXX ever go approved actually cancel w/I bankruptcy being the deal breaker. I didnt charge XXXX dollar who needs tell me my acct terminated?
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and dissatisfaction regarding the handling of fraudulent items on my account with Credit Bureaus. Despite reporting these unauthorized transactions promptly, I am dismayed by the prolonged delay in their removal, causing undue stress and inconvenience. 

I discovered fraudulent transactions on my account statement, which were not authorized by me. Immediately upon discovery, I notified your company 's customer service department and filed a report detailing these fraudulent activities. However, I am disappointed by the lack of urgency and efficiency in resolving this matter. 

As a loyal customer, I expect timely action to rectify such issues and protect my financial interests. The continued presence of these fraudulent items not only undermines my trust in your company but also poses a significant risk to my financial security. 

I urge you to prioritize the immediate removal of these fraudulent transactions from my account and take proactive measures to prevent similar occurrences in the future. Additionally, I request transparent communication throughout the resolution process to ensure clarity and accountability. 

Failure to address this matter promptly will compel me to explore alternative avenues to protect my rights as a consumer, including but not limited to seeking assistance from regulatory authorities and legal counsel. I am asking for your assisstance to remove or these fraud items in my credit file : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Balance Owed XXXX {$0.00}.
Product: Checking or savings account

Dear CFGYesterday XX/XX/19 at Wells Fargo on XX/XX/XXXX in XX/XX/XXXX NMI tried to cash check for about $XXXXWF refused to cash it, unless I opened an accounteven tho I bank w WF for over 20years, including home mortgage, credit card, personal/business services etcThis seems fraudulent attempt by WF forcing account openingSincerelyXXXX XXXXcell XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, confirmation number XXXX, is reporting outdated, inaccurate and credit slander information on my report. There are double accounts, address ad current is almost 8 years old, and fraudulent I 'D theft accounts disputed with Equifax directly shown as current. They are Willfully Negligent in reporting and maintaining accurate information. I plan to also contact the California Utilities Commission to file a complaint and the .CA Attorney Generals Office.