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

My complaint is with Freedom Mortgage reporting me late to the credit bureaus for a late payment in XXXX, 2019. Freedom Mortgage purposefully delayed a refinance process that I already had underway with a new company. Freedom harassed me and solicited me by phone to refinance with them even though I am on the XXXX list. While they made overtures and efforts to retain me and keep my loan with Freedom, they delayed sending a simple payoff statement to the new lender. As a result of their delays, my refinance process with the new lender was delayed. Freedom received full payoff of their loan on the date required by the payoff statement yet they chose to report me late to the credit bureaus.
Product: Debt collection

I receive a notification through XXXX to review a change with my credit. After I signed in, there was an adverse account opened and sent to collection. I called the number of the XXXX representative and after some questioning. We contact the collection agency and inform them that this was not opened by me and that we want to file this as fraud. They said they would and that it will take 30 days to be removed from my credit report. Additionally, I was informed to place fraud protection on my account and that was done by XXXX representative and also to submit a report to the consumer financial protection bureau which I am doing with this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV Funding LLC C/O resurgent capital services is reporting on all 3 credit bureaus With account XXXX I have asked for validation of this debt. Proof of ownership of this debt original credit application with my signature on it. Payment history of this debt have not received any validation of debt This reporting is also in violation of XXXX XXXX fair credit reporting guidelines
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 XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Debt collection

On XX/XX/XXXX, a summons from C/o Stenger & Stenger , PC ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ) was served at a relatives address on my behalf. After reviewing the summons, I noticed a few items that were incorrect that need to be addressed : # 1 The date the case was filed shows XX/XX/XXXX - that's approximately a year ago. The address in the summons is my previous address ( that was crossed out ) - I was NEVER served paperwork at that address. # 2 The address the representative at Stenger & Stenger read from my file was an address I have never resided at, heard of and is in no way shape or form connected to me at all. This was potentially an error from a paralegal or other representative from this law firm.

I called Stenger & Stenger to request a settlement of a negotiated/agreed upon balance due but was denied any type of settlement.
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 : XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/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 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/2022. I went to Wells Fargo ATMs to deposit money into my checking account. The first ATM I tried said it couldn't receive my deposit. So it returned my cash XXXX. So I went to use the next ATM next to it and without a problem I deposited XXXX into my checking. Next day I checked my account and it said I had pull out XXXX from my savings account from the first ATM when I never did. I reported it to Wells Fargo and they basically told me that I withdrew the money and that the claim was closed and I couldn't do anything about it.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am writing to express my concerns regarding the handling of my personal information by XXXX XXXX XXXX organization. On XX/XX/2024, I contacted Early Warning Services to inquire about the presence of my data in their records. A representative confirmed that my information was indeed included. 

However, I subsequently requested an opt-out from XXXX XXXX XXXX which was denied. As a consumer, I believe I have the right to control the sharing of my private information, as outlined in the Fair Credit Reporting Act ( FCRA ). Specifically, the FCRA emphasizes the need for fairness, impartiality, and respect for consumers privacy. 

Furthermore, I understand that financial institutions, including XXXX XXXX and JP Morgan Chase, are considered furnishers of information to credit agencies. According to the FCRA ( Section 604 ( a ) section 2 states that, in general subject to subsection ( c ) any consumer reporting agencies can only provide a consumer report based on written instructions from the consumer. 

My rights under the FCRA include the ability to revoke any previous consent, whether it was verbal, non-verbal, written, implied, or otherwise. Additionally, 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 they can exercise the nondisclosure option. ( FURNISHER OF INFORMATION TO CREDIT AGENCIES ) Never informed me of my right to exercise my nondisclosure. 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, other than records of conviction 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.C 1681 s2 ( 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.C 1681 e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681 c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 b of this title early warning service 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 I kindly request that Early Warning Services provide clarification on the authorization they received from the financial institutions ( XXXX XXXX and JP Morgan Chase ) to include my information in their records. Additionally, I reiterate my request for an opt-out from your services.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX Phone : XXXX XX/XX/XXXX Social Security Number : XXXX To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Dispute of Unauthorized Access to My Credit Information Under 15 U.S.C .

1681b To Whom It XXXX Concern, I am writing to formally dispute the reporting of information on my credit report related to the following accounts, which I believe were accessed or reported inaccurately, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681b. 

I never gave them written consent to furnish your infarmation or obtain your information Please remove accounts immediately XXXX XXXX * Account Number : XXXX * Date of Late Payment : XX/XX/XXXX * Account Opened : XX/XX/XXXX I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : XXXX. Investigate and remove any unauthorized or inaccurate entries related to these accounts from my credit report. 
XXXX. Provide the names of any entities that accessed my information without permission, along with the reason for access. 
XXXX. Notify other relevant agencies of any corrections, if applicable. 
Please confirm the results of your investigation within the legally required time frame. Thank you for your prompt attention to Sincerely, XXXX XXXX
Product: Checking or savings account

without any permission from me, bank closed my CD 's before maturity dates- moved all funds in CD 's to lower interest savings accounts - locked account - no access to {$55000.00}. in CD account - refused multiple email and phone requests to unlock account and multiple requests to disburse all funds in the CD to my credit union account - attempted to charge me multiple thousands of dollars to obtain release of my funds- more than XXXX month of correspondence by phone and email - no effective response from bank
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit report that I dont recall authorizing this inquiry. Please remove this immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've recently been having fraud/identity theft suspicions and even more so once I heard about the XXXX breach. I decided I should check my free credit report. I have been trying to get my credit report from XXXX as suggested at the government site Consumer.ftc.gov since XXXX XX/XX/XXXX. I filled out all the correct personal vulnerable information it requested just to have the website tell me that I need to send in copies of my personal and vulnerable identification. I am then reviewing consumer complaints online and I figure out that many other people had various fraudulent problems with the XXXX site. I then tried to search the site for some way to get ahold of them and they have absolutely no telephone numbers listed anywhere! I then see that on the Consumer.ftc.gov site they have a the number XXXX listed for them. Extremely weird that I had to find their number on a totally different website. I called this number everyday since XX/XX/XXXX and was unable to get through to anybody. I 've called back and tried pressing every single numbered option available. I even got to the point of just pressing zero frantically to no avail. I then did some more research online and verified that many people had experienced the same situation as me. They input very valuable information such as social security numbers and more just to find out they were not getting there report either! Please help as I believe it is possible that I am another victim of credit report fraud. I do not know what to do when I have tried everything. I need to speak to someone now as fraud is a very time crucial crime that can drastically adversely affect your life as I 'm sure you know. I am a part of many XX/XX/XXXX. Myself and the other hard working American people want to know how these organizations can say what they will about us and theft can happen yet they have no one, not even one employee that works for them or even one single location where you can speak to someone??
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered that my personal information is incorrect, which has resulted in this unknown accounts and transactions being falsely associated with me. This is an alarming issue that has caused me significant distress, as I now have inaccurate, mixed and unauthorized items damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law. I'm writing to remind you that you need to make sure all your claims are accurate and reported in the correct format. This is required by law ( FCRA ) and reporting standards ( METRO 2 ) .For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. I would like for you to mail me physical proof of your actions and my updated credit report. These allegations appear to be inaccurate. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

Speedycash.com claimed to have given me a loan that I have never applied for or received. Tried to dispute with them through XXXX XXXX, and no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint will now constitute my forth effort of getting a number of fraudulent inquiries that are being reported on my Trans Union consumer credit report removed. I sent in a dispute via regular mail in early XXXX of this year that I received no response to at all. I then called to follow up after the XXXX days they are allowed by law to respond by had passed and was told by several representatives there that they never received a letter from me and that in order to get these inquiry removed I would have to file an FTC report. So that is what I did. My FTC report was filed on XX/XX/XXXX. I filed a CFPB complaint which I attached that FTC report to on XX/XX/XXXX. I received a response on XX/XX/XXXX that there was an unauthorized third-party, which there was definitely not, I filed the complaint myself as I do not work with any credit repair specialist or anything of the sort. Their response noted that they needed me to contact them for authorization. I immediately called them and spoke to several representatives and was informed that they had never received the CFPB complaint and that they were unable to help me at all which I found extremely odd considering they had replied to the complaint. 

I also sent in another dispute letter via certified mail on XX/XX/XXXX That included all identifying requirements and also the FTC report. Again I got no response to this. 

I called in to Transunion again on XX/XX/XXXX to check on the status of my dispute. Again I spoke to several representatives, one being a supervisor and was informed once again that they received nothing from me. Which is very suspicious considering that I have the delivery receipts for the dispute letter that I sent in certified mail and the fact that the CFPB complaint that was submitted on XX/XX/XXXX was responded to by them and was closed on XX/XX/XXXX. 

At this point they are in violation of the fair credit reporting act, and are noncompliant under that act for failure to respond in the allowed time. I also feel like I have been given the runaround and been blatantly lied to considering the receipts that I have against their claims of not receiving any documents from me. 

Below you will find a list of all the fraudulent inquiries that are reporting as of today that I would like removed immediately. I am attaching the letters that were sent in, the certified mail receipts, the FTC report that I filed, and the CFPB complaint that they claim they never received. 

XXXX. XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX, Inquiry Date : XX/XX/XXXX ( XXXX INQUIRIES ) XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX Thank you
Product: Debt collection

I received ( XXXX ) notices of debt on my credit report as of XX/XX/year>. 
I called XXXX on XX/XX/XXXX and I ask the agent for debt detail such as the original contract, original debt, and proof of debt. I was told they could not provide these requested items. I inquired on resolving the debt and was told that because I was disputing the accounts I did not qualify for a settlement or payment arrangements. I advised XXXX XXXX and her agent XXXX XXXX that I was not disputing the XXXX accounts I just needed documented proof of the balances. The XXXX XXXX got upset and said that they were still going to submit it as a dispute and it would disqualify me from resolving the accounts with a settlement. As a consumer this is an unfair practice. When i asked who i would report the issues with XXXX said both fdcpa and Cfpb.
Product: Credit reporting or other personal consumer reports

I was an Authorized user on an account. The account has been terminated but is still showing open XXXXXXXX XXXX Account info Account number XXXX account is terminated
Product: Credit card or prepaid card

Hello! During the pandemic in 2020, it was difficult to keep up with my payments due to being off and on with work when places would re-open and then close again. 
I had trouble being consistent with my payments, but now I am in a better place as I have a more stable job. I am a hard worker, and didn't mean to miss these payments. I am doing my best to not repeat those same mistakes in the future.
Product: Mortgage

I was assured from a representative at Wells Fargo Mortgage ( XXXX area ) that despite starting 10 days after the contract date they would be able to close a loan. I ordered an appraisal from them on a rush XXXX XXXX. I received it back with errors on XXXX XXXX ( 25 days later ) when I was scheduled to close on XX/XX/XXXX. I disputed the results and asked for a re-appraisal. I was told it was ordered, however, the listing agent did n't start getting contact from the new appraiser until the day I was supposed to close. Meanwhile all contingency deadlines were missed. The matter was said to be escalated but there was very little communication initiated by them and some un-returned calls to either me, my agent, or the listing agent to try and keep ahead of the situation. They were unable to deliver and in fact I was told by a regional manager 10 days before I was scheduled to close to feel free to pursue another lender to close.
Product: Debt collection

XXXX XXXX - XX/XX/XXXX I got a credit limit {$160.00} and the account got closed with {$400.00} with late fees on XX/XX/XXXX XXXX XXXX - XX/XX/XXXX got limit {$250.00} card was closed and affected my credit score because of the active card XXXX - XX/XX/XXXX credit limit was {$850.00} was closed with late fees and interest of {$1000.00} affecting my credit and sending me to collections Portfolio recovery associates reported unknown amount of {$1200.00} XX/XX/XXXX sending me to collections with debt buyer account status dont recognize this information Also another one for XX/XX/XXXX for {$420.00} and for XX/XX/XXXX for {$400.00}