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

Subject : Complaint Regarding Violations of 15 U.S.C. 6801 and 15 U.S.C. 6802 by XXXX XXXX XXXX for Inaccurate Personal Information Reporting To Whom It May Concern : I am filing this complaint against XXXX XXXX XXXX for violations of 15 U.S.C. 6801 and 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act, specifically regarding the inaccurate reporting of my personal information. 

Violations of 15 U.S.C. 6801 Under 15 U.S.C. 6801 ( b ), financial institutions are required to protect the confidentiality, security, and integrity of consumer information. XXXX XXXX XXXX has failed to meet these obligations by reporting inaccurate personal information on my account, including : Incorrect Name Variations : My name has been reported incorrectly in various instances. 
Inaccurate Addresses : XXXX XXXX XXXX has associated two incorrect addresses with my account : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX, XXXX, CA XXXX I have never lived at, used, or been connected with these addresses. Despite my attempts to resolve this issue, XXXX XXXX XXXX has continued to report inaccurate personal data, violating the security and accuracy requirements of 15 U.S.C. 6801. 

Violations of 15 U.S.C. 6802 Under 15 U.S.C. 6802 ( a ), financial institutions must provide clear and conspicuous disclosures before sharing consumer information with third parties. XXXX XXXX XXXX has shared incorrect information with third-party credit reporting agencies, without ensuring the accuracy of the data or obtaining proper consent, thus violating 15 U.S.C. 6802. 

These violations have caused significant harm by inaccurately reflecting my personal data in credit reports and negatively affecting my creditworthiness. 

Requested Resolution I request the following actions to resolve this issue : Immediate removal of all incorrect personal information, including the inaccurate name variations and addresses ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA, and XXXX XXXX XXXX, XXXX, CA XXXX ). 

Notification to all major credit reporting agencies ( Experian, XXXX, XXXX ) to remove this incorrect information from my credit reports. 

Written confirmation from XXXX XXXX XXXX that these corrections have been made, along with an explanation of how they plan to ensure this does not happen in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
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 to consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX 15 U.S.C 1681 section 602 A. States that I have the right to privacy right.

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumers 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 the seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency. If the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

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. I told experian, XXXX XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights.

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 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 ) ( a ) 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 amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Credit reporting or other personal consumer reports

I believe I am being retaliated against for exercising my rights, Equifax has failed to do as I requested upon my notifications This is a violation pursuant the fcra
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX 's customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX XXXX XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
On XX/XX/2020, XXXX  XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
On XX/XX/2020, JPMCB - AUTO FINANCE add a hard inquiriy on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Student loan

I have student loans that I have been paying on since XXXX. I have had zero forgiveness although I have worked for a non profit since XXXX. My payment counts have not updated. I have no access to old servicers such as XXXX XXXX, XXXX XXXX, Mohela. I have different amounts due on my loans. This is unfair to do to people. I have paid and my payments are not listed.
Product: Vehicle loan or lease

On XX/XX/XXXX I got into in accident on the pouring rain. I paid for my own rental out of pocket and still arguing with the rental place because they are also stating I owe more than what is really owed. I contacted XXXX several times to let them know I got into an accident and it was a total loss. From there I allowed the insurance and XXXX get acquainted so Funds would be dispersed correctly. ever since that day, I have been looking at the payment history and seeing that my payments are being rearranged and also that they are being backdated so I called in several times to see what exactly was the issue and I always get hung up on put on hold and the phone hung up on or a nasty Individual. Comparing what they sent to my credit, my insurance and me none of them match so then I called again and stated my concern and why I owed so much and why they are reporting one thing, but not the right thing I had a repo on my credit from the month, so they fix the closing or my my loan of the total loss it has been XXXX I just want this to be over with!! Also, the gap insurance processed my refund payment to them XXXX which they are now stating is not a payment from me which it is of it was my refund payment so i am now just trying to see why I owe so much if I even owe anything I also see that they changed my payment date again which is and would always be the XXXX of the month I guess so they can receive more money off of me by stating I owe late payments and completely get away from this scamming company Ps today XX/XX/XXXX I received a letter in the mail stating I owed XXXX knowing they is well past incorrect
Product: Credit reporting or other personal consumer reports

" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''
Product: Prepaid card

Cashapp started charging me fees for purchasing from pulsz and I've been using both for years for instance I buy something fir {$4.00} it's always just {$4.00}. XX/XX/XXXX until XX/XX/XXXX I was charged {$5.00} a {$9.00} purchse XXXX  {$10.00} it's XXXX or more times however after I called Cashapp it has stopped I have downloaded all my statements from Cashapp o have called several times and today XX/XX/XXXX I was told that because I choose to XXXX  online with XXXX  companies that is my problem. Please know I have contacted XXXX.XXXX  as well and it is CASHAPP NOT XXXX.XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting this complaint to correct the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureuas are obligated to finish your investigation within 30 days ; please do so, otherwise they will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX. XXXX XXXX Balance {$1100.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Balance {$170.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

showing inaccurate information just want a free report to see the issues for sure company not willing to send me my free credit report
Product: Credit reporting or other personal consumer reports

credit file resulting from alleged identity theft. Per FCRA XXXXB ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX Balance {$2100.00} XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX Balance {$210.00} XXXX XXXX Balance {$190.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6600.00} 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, " We received a copy of your identity theft report and notification that you are a victim of identity theft. However, we were unable to honor your request because you did not provide proof of your identity. In the meantime, a request to verify the accuracy of this information has been sent to the furnisher of the data. 

According to the Fair Credit Reporting Act, a request to block information resulting from identity theft must include appropriate proof of the identity of the consumer. 

Please confirm your identity by sending us the following : XXXX copy of a government issued identification card, such as a drivers license, state ID card, etc., and XXXX copy of a utility bill, bank or insurance statement to verify your address Please also include the following identification information : Your full name including middle initial ( and XXXX - XXXX, XXXX, XXXX, XXXX ) Social Security number Date of birth Complete addresses for the past XXXX years Make sure that each copy is legible and displays your name and current mailing address and the date of issue. 

To protect your personal information, XXXX does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. You may also submit your request or documents supporting your claim electronically at experian.com/upload. 

" To view your rights, visit www.experian.com/fraudrights and XXXX
Product: Debt collection

The beginning of the new year, I reviewed my credit report only to find and erroneous collection effecting my credit. 

Never once did I receive a letter of representation about this collection agency claiming I own XXXX XXXX bank money. 
I never opened a XXXX XXXX account, ever After speaking to my lawyer, he advised me to send a letter of dispute to the reporting collection agency that is reporting negatively on my credit report. 

This evening I received a garbage statement that tells me nothing. Nothing itemized, no contact with my signature, just a piece of computer paper that shows a balance owing This is not validating the debt. I want the original contract showing my signature, purchases, and payments made Again, as I stated earlier in this complaint, I never had a XXXX XXXX  account
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and anxiety. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has mishandled my information. This information includes my Name, Social Security #, Address, Birthdate, etc. resulting from a data breach in XX/XX/XXXX/XX/XX/XXXX, which they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud. 

Fraudulent inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX  account
Product: Credit reporting or other personal consumer reports

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, XXXX XXXX XXXX used an intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. XXXX XXXX reported nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. these fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I decided to purchase a trampoline on XXXX for my kids. After purchasing it I realized that I no longer needed a trampoline because my kids did not want it. So I called XXXX to cancel it the next day ( XX/XX/XXXX ). XXXX said that they would cancel my order. I got an email from XXXX the same day confirming that the order got canceled. I thought that the order got canceled because I didn't get any updates about the item until a month later ( XX/XX/XXXX ) when it got delivered to my house. When I got the item I called XXXX because I was confused about why it got shipped to my home when I canceled it. They said they would investigate it and get back to me. I called XXXX 3 days in a row after that to ask for any updates. But I heard nothing back from them. I even email the seller myself to see if he could give me a label to ship it back but I heard no response. After that, I called my bank ( Bank Of America ) and opened a dispute because the charge was still on my credit card. After providing all the documents the bank asked for ( emails, purchases, and phone calls, etc ... ) the Agent Manager guaranteed that I would get my money back. After not hearing from them for almost three weeks, I called them back. They told me that my case looks strong and that I have enough proof that I want to return it and the XXXX seller did not provide me with any way to ship it back to them. My bank promised me that this case would be resolved on my behalf before the new year. Last week on XX/XX/2020, I received a letter from my bank saying that my claim was declined. On the next day, I called them and spoke to the dispute manager she claimed that they could do nothing because XXXX refused to give my money back. According to her XXXX claims that I never asked for the order to be canceled. Which Is a lie because I have proof that XXXX canceled my order. ( I will attach it as proof. ) She also claimed that XXXX has a money-back guarantee. I tried to do that but XXXX banned the seller so his profile is not avalibe meaning that I could do nothing with my order, and they never gave me the option for the money-back guarantee. This was an ongoing problem for about four months. I lost my job due to covid and I can't afford to pay the amount for the trampoline that I canceled the order before it was shipped. Could you guys please help me with this. Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX  Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

Inspired by a recent article which detailed the travails a homeowner was having with Nationstar and the fact that he was seeking help through the CFPB, I wanted to share my experience in case it is not too late to be of use to myself or others. 
XX/XX/XXXX I was seeking to refinance my mortgage, when my existing mortgage was sold to Nationstar. Despite persistent calls from me they took a couple weeks to provide a loan payoff amount, saying that their system had not received the necessary details of my mortgage. The folks at the credit union I was trying to refinance with affirmed that they had never seen such unresponsiveness. As a result of Nationstar 's delay I lost my initial locked-in mortgage rate, costing me an extra $ XXXX/month for a total of over {$9000.00} over the life of the loan. 
I also had issues with Nationstar after the refinance, having to place many calls to get explanations ( often confused or contradictory ) for adjustments they made when refunding my escrow funds. Firstly, although I had requested the Payoff Statement as of XXXX XXXX, they sent it good through XXXX XXXX. The law firm handling my refinance sent Nationstar payoff funds appropriate to the date of their receipt of the funds, eliminating the interest for days after the loan was paid off. But when Nationstar refunded the money in my escrow account they deducted hundreds of dollars for interest for the remainder of XX/XX/XXXX ; despite my objections they refused to refund that amount. 
Second, my initial mortgage had been an FHA loan which had been open two and a half years ( since XXXX XXXX ). I was of the impression that the up-front Mortgage Insurance Payment which I paid when taking out the first mortgage was paid out over the first five years, and so because I was refinancing before the five years had passed I was due a refund of some amount of the up-front MIP payment. As part of the aforementioned calls with Nationstar regarding adjustments they made when refunding my escrow funds, I tried to ascertain whether I was getting this refund. Although they said yes and pointed to a credit of a few hundred dollars, I was a suspicious given that I had been expecting about half of the original up-front payment ( which was {$7000.00} if I recall correctly ). 
Bottom line, I do n't know if the folks at Nationstar were swindling me or just incompetent, but either way the result was expensive for me.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

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.