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

n accordance what the fair credit reporting act XXXX Account XXXX XXXX has violated my rights15 u.s.c 1681 section 602 A States I have the rights to privacy 15 u.s.c 1681 section 604 A section 2 : it also states a consumer reporting can not fumish a Account without my written instructions n accordance what the fair credit reporting act 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 : its also says a consumer reporting agency Can not furmish a account without my written instructions
Product: Mortgage

We did a tier 2 modification about 3 yrs ago now due to becoming XXXX and my wife changing jobs a payment of XXXX. is way more than our income, after 4 months of doing paperwork and sending every document they wanted they said the lender would not approve a modification, in the tier 2 modification they did not forgive money as they stated but put it on the end of the mortgage so my statement shows I owe XXXX and the payoff is XXXX. My home is only worth XXXX. I would like to be able to have an affordable payment, and my payoff at what the house is worth.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, and XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX. ACCOUNT NAME : XXXX XXXX, ACCT # XXXX, DATE OPENED : XX/XX/XXXX, CREDIT LIMIT : {$33000.00} XXXX. ACCT. NAME : XXXX XXXX XXXX, ACCT # XXXX, DATE OPEN : XX/XX/XXXX, BALANCE {$19000.00}, CREDIT LIMIT {$16000.00} That appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent appearing on my consumer XXXX credit report. I've attached a list of copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts, the collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, this collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, and collections are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Account number : XXXX Attn CFO : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) Opt out ( 1 ) In generalAfinancial institutionmay not disclosenonpublic personal informationto anonaffiliated third partyunless ( A ) suchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; ( B ) theconsumeris 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 ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option.

I am herby requesting all above disclosures required by Federal.

Yours Truly XXXX, XXXX ( All Rights Reserved )
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach. And Ive noticed inaccurate information and unauthorized accounts. 
Ive also received phone calls from lenders that I have never open accounts with.
Product: Checking or savings account

Cash app has been taking money from my account unauthorized and most of the things I bought werent received and cashapp failed to pay me back on multiple occasions I no longer use XXXX and XXXXXXXX XXXX  but I have been charged since XXXX I want this justified I want all my money back {$26.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am a current key bank customer, I have a checking account and a line of credit. I received a promotional offer to open a savings Account and proceeded to do so this Sunday XX/XX/23 via online banking and initiated a {$15.00} transfer to the Account. I then later tried to login to the Account and received an error advising to call in as my online banking was locked. I called in today to access my account and verified over the phone with a representative. I was told there was a problem with the savings account and fraud was reviewing, I then questioned why I couldnt access my entire online banking profile due to a new account I applied and was approved for using the same information on my profile. I then was advised in order to rectify I need to visit a local branch, I advised that is not possible as I live in Massachusetts and there is no branches around me. The representative said that was the only option which I replied if the issue is with this new savings account then they can close the Account. The representative stated the only way to fix again was to go to a branch, I am requesting a complaint filed. From what I can tell is KeyBank intentionally placed a hold on my accessing all of the accounts in my name simply because I opened an account online and the store they assigned the state to us different from the one I reside in.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' Transunion, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. These agencies have failed to do so. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " 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. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX 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, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

eqifax is negatively reporting XXXX XXXX to my credit report and according to the FCRA they can't report anything inaccurate or unverified it must be deleted According to the Fair Credit Reporting Act, also 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. Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting.
Product: Credit reporting or other personal consumer reports

First and foremost, I assert that my right to privacy is of utmost importance. This dispute letter serves as my enforcement of that right. Under 15 U.S. Code 1681 ( a ) ( 4 ), you bear the full responsibility to " exercise your significant duties with fairness, impartiality, and a respect for the consumers right to privacy. '' I am invoking this right as outlined by the code. Please ensure the following information is treated with the highest level of fairness, impartiality, and respect for my privacy. 

In accordance with 15 U.S. Code 1681b ( regarding permissible purpose ), I have never authorized this company to access my information. They are in clear violation of this law. I request that these accounts be removed from my credit report as they are damaging my reputation, character, creditworthiness, credit standing, credit capacity, and more. Given your obligation to protect my privacy, I require that this issue be addressed with the utmost urgency. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Cease Unauthorized Credit Reporting : XXXX XXXX XXXX Texas XXXX XXXX, XXXX XXXXXXXX, I'm reaching out to address a grave issue : your unauthorized reporting of information to my credit report. This flies in the face of both federal and XXXX laws, including the Fair Credit Reporting Act ( FCRA ) and various sections of the XXXX XXXX XXXX, not to mention identity fraud statutes, such as Texas XXXX XXXX Section XXXX. 

It's become abundantly clear that XXXX XXXX has been reporting information without my explicit consent, a direct violation of federal law, as specified in FCRA Sections XXXX ( a ) ( XXXX ). Moreover, Texas state law, particularly Sections 392.301 and 392.305 of the XXXX XXXX XXXX, mandates consumer consent for such actions. And let 's not forget the seriousness of identity fraud laws in Texas, which emphasize the protection of personal information under Section XXXX of the Texas XXXX XXXX. 

I want to make it XXXX clear : I never gave XXXX  XXXX permission to report anything to my credit file. This lack of consent is a flagrant infringement of my rights, potentially damaging my credit and showing blatant disregard for both federal and state statutes. 

I demand, unequivocally, that XXXX XXXX cease any further reporting of my information without my explicit consent, as required by FCRA XXXX XXXX ( a ) ( XXXX ) and XXXX XXXX XXXX Sections XXXX and XXXX. Failure to comply within 30 days will be seen as deliberate noncompliance, subject to penalties under the law, including those related to identity fraud. 

Let me stress : obtaining consent isn't optionalit 's a legal mandate under federal and XXXX law. This isn't up for debate ; it's a straightforward demand for adherence to the law, safeguarding consumers like myself from unwarranted and harmful credit reporting. 

I expect immediate action from XXXX XXXX to rectify these violations and uphold my rights under federal and state law.
Product: Credit reporting or other personal consumer reports

I checked my credit report and notice some errors and things that were not authorized by me. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. This is not my account. I have no knowledge of this account 15 USC 1681b. Please remove any information that the creditor cant verify. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I opened SunTrust savings and checking accounts onXX/XX/XXXX When opening it, I transferred {$50.00} to the checking account and {$5.00} to the savings using the debit card of another bank. 

The balance of both SunTrust accounts was {$0.00} untilXX/XX/XXXX. Once the funds had finally been transferred, I used the checking account to send two small XXXX payments to my roommate. 

On the evening of XX/XX/XXXX, I attempted to log into SunTrust 's online banking system. A message appeared stating that my account had been locked and that I should contact a customer service representative for assistance. Upon doing so, I was told that both of my accounts had been terminated due to a violation of the SunTrust Rules and Regulations ; however, neither the original CSR nor  her supervisor would tell me the specific reason for the closure.

Then I was told that I would have to wait around two weeks to receive a cashier 's check for the balances that were in the accounts when they were closed. I asked if I could go up to a SunTrust branch and receive my money that way, and I was told no.
Product: Debt collection

Discover refuses to abide by the law and verify debt they claim is owed. 
This erroneous information is breaking the Fair reporting Credit Act. 

On XX/XX/2021, I sent a 609 dispute letter to the credit bureaus and Discover to verify debt. Specifically, requesting " physical verification of the original signed consumer contract ''. Again in this letter it states, " an original Consumer Contract with my Signature on it ''. 
In response on XXXX XXXX, 2021, Discover chose to blatantly ignore my requests for a contract or signature and sent a letter stating when this card was allegedly opened and an address of public information without any verification of debt belonging to me. 
I sent a Fail to Validate letter stating this fails to meet the Federal Trade Commissions guidelines in which I outlined in the letter and again requested verification. 
On XX/XX/2021, I was sent a degrading letter again ignoring my request to validate that " We previously communicated to you the result of our investigation ''. Then, the 2nd page requested my social security number and birth date which they would have if this debt is valid.
Product: Student loan

Refuses to let me log in and see my loan history when they held my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

We are in our XXXX and having excellent credit and have a long history of credit situations yet when we applied we were told we did not have enough history to generate a report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C. 1681 section 602 A. states I have the rights to privacy. 

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

under the law 15usc 1681 Santander Consumer usa did not have my consent to furnish anything to my credit report. my credit score has drop points because of 'serious delinquency ' furnished without my consent ( payment for car has already been sent ), 'recent miss payment ' furnished w/out my consent, 'Bad payment history ' furnished without my consent, 'few accounts paid on time ' furnished w/out my consent. The payment for the car has been sent also and they neglect to remove such inquiries that were reported to all 3 credit bureaus without my consent. They also didnt respect my rights under law 15 usc code 1605 that finance charge includes any loan fees, document fees, and they took a downpayment when its illegal without my best knowledge of 15usc code 1605 at the time. They also demanded for an insurance of my part when under the finance charge it includes premium insurance from there part to cover there loss in case of anything. Not only that but the car salesmen forgot to make me sign a document to he was harassing me for 2 days to the best of my knowledge, a bunch of phone calls, went to my house w/out letting me know, even went to my job to force me to sign this document.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Multiple unauthorized inquiries have appeared on my consumer report, causing significant mental and financial strain despite my repeated attempts to address this issue. As a victim of identity theft, I have no connection to or responsibility for these fraudulent entries, yet their presence has severely impacted my ability to achieve crucial life goals like purchasing a home and providing for my family 's needs. The documentation I've submitted to the Federal Trade Commission clearly outlines the nature and scope of this fraudulent activity, demonstrating the serious nature of this identity theft case.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions XXXX XXXX Account # : XXXXXXXX XXXX XXXXXXXX Account # : XXXX XXXX Account # : XXXXXXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts XXXX accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XX/XX/2023 I sent correspondence regarding inaccurate and unknown things on my credit report to this day 63 days later I have yet to receive a response. I believe I am being taken advantage of and consumer rights violated. Per section 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( XXXX XXXX XXXX ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between a business entity not a personal account and XXXX XXXX XXXX. I demand these transactional late payments be removed immediately or I will seek litigation due to the violation of rights and breach of contract. Remove data entered XX/XX/2023 an XX/XX/2023