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

In accordance with the fair Credit reporting act ( XXXX XXXX XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX  XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX XXXX Account # XXXX ) ( XXXX XXXXXXXX Bankruptcy Account # XXXX ) has violated my rights! Also i was never late on any of these accounts ( XXXX Account # XXXX ) ( XXXX  Account # XXXX ) ( XXXX XXXX XXXX Account # XXXX ) ( XXXX  Account # XXXX ) ( XXXX XXXX Accounts # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Accounts # XXXX ) ( XXXX XXXX XXXX Account # XXXX ) and feel my rights are being taken advantage of 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 an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the numerous and unsuccessful attempts I have made to remove fraudulent items from my credit file. These fraudulent entries are severely impacting my financial standing, and I am seeking your immediate assistance to address and rectify this matter. I discovered that my credit report issued by Credit Bureaus contained multiple fraudulent entries that are not connected to my financial activities. These fraudulent entries are causing significant damage to my creditworthiness and are a result of identity theft or unauthorized actions. I have made numerous attempts to have these fraudulent items removed from my credit file, but they persist, hindering my access to financial opportunities. I kindly request that you take the following actions to address this issue : Conduct a thorough review of the fraudulent items and remove them from my credit file immediately upon confirming their fraudulent nature. Investigate the origin of these fraudulent items and take necessary steps to ensure that they do not reappear on my credit report. Provide me with written confirmation once these fraudulent items have been removed from my credit file. I am asking for your assistance to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$570.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX and TransUnion are consumer reporting agencies and I am the Consumer. 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 CongreXXXX 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. '' XXXX XXXX XXXX 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. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and XXXX and TransUnion 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, TransUnion, XXXX XXXX XXXX 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. XXXX XXXX XXXX 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 and TransUnion 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: Mortgage

They stopped sending us monthly statements several months ago. They have also refused to provide me with a statement of interest paid for 2023, so I haven't been able to do my taxes. I have contacted them several times by phone and I even sent them a letter. I never opted in to electronic communications with this company, I do not have and don't want an on-line account with them, and if for some reason they think we opted into them not sending us statements and tax summaries, I therefore revoke any such permissions- as I sent them in writing weeks ago.
Product: Mortgage

This complaint is in regards to a {$150000.00} ( excluding fees and interest charges, attorney fees, etc. ) loan modification that I NEVER signed for. Wells Fargo Bank tacked on this modification to the back of the original mortgage note of {$350000.00} on XX/XX/XXXX. I was on the original mortgage with my then husband but divorced in XX/XX/XXXX. Leaving my ex-husband solely responsible for any additional debt obligations he accrued after the divorce including the modification. I was interested in purchasing a home I was renting in XX/XX/XXXX when the broker called to inform me that he pulled a credit report which stated I modified my home. I immediately called Wells Fargo bank modification specialist at ( XXXX ) XXXX extension XXXX. The customer service representative stated to me that my authorization ( signature nor verbal ) was not needed for a mortgage modification even if I was divorced. When my ex-husband passed away in XX/XX/XXXX, I had a chance to go through all his paperwork which confirmed that I did not sign. I contacted a friend 's lawyer who contacted Well Fargo while I was in the office and Wells Fargo bank verified that my signature was not on the paperwork. In essence, I take full responsibility for the original mortgage but not the additional ( {$150000.00} loan modification ) attached. Wells Fargo attached the modification to the back of the original loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my XXXX consumer report that listed a balance with Aidvantage with all my student loans Account # XXXX. This information is not correct because this debt has been officially canceled per IRS acceptance. See Attached. All of these account ( s ) should reflect as paid in full
Product: Checking or savings account

In XX/XX/2020, I opened a Priority checking account number XXXX. The promotion was to keep the account open for 60 days with XXXX minimum and I will get {$700.00} bonus on XX/XX/2020. On XX/XX/2020, my account number was compromised, so I had Citi to replace my old account number with a new one XXXX. They then canceled the {$700.00} bonus saying my old checking account had been closed!?! 

Because there was no more incentives to keep the savings, I had them close the savings account number XXXX. I left {$25.00} in there to prevent any kind of overdraft. The next day, Citi charged me {$25.00} in bank fees ( even though when I opened the account I was told there was no fee ). Then they charged me {$38.00} in overdraft because I was short XXXX. This is ILLEGAL. 

Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/ to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

As opposed to deleting tax lien from my credit file as unverifiable. XXXX marked the debt as paid, in order to keep an unverified tax lien on my credit file.
Product: Credit reporting or other personal consumer reports

Pursuant to 16 CFR 313.7 and 313.10 ( a ), XXXX XXXX XXXX XXXX is mandated to provide a clear and conspicuous opt-out notice to consumers, explaining their right to opt-out of the disclosure of non-public personal information to nonaffiliated third parties. 

The definition provided for " nonaffiliated third party '' is sourced from 16 CFR 313.3. According to this regulation, nonaffiliated third parties include persons who are employed jointly by a company and another entity that IS NOT an affiliate of the company. Based on the provided definition, XXXX, Equifax, and XXXX are considered non-affiliated third parties in the context of consumer credit reporting. 

They ARE NOT affiliates of XXXX XXXX XXXX XXXX with whom I have a direct relationship. They are separate entities from XXXX XXXX XXXX XXXX that provides my financial information. They ARE NOT jointly employed by XXXX XXXX XXXX XXXX with whom I, the consumer, has a direct relationship. 

Therefore, when my financial information is shared with XXXX, Equifax, or XXXX for the purpose of credit reporting, they are considered non-affiliated third parties under this definition. This is why I am opting out of such reporting. Additionally, this opt-out should explicitly encompass my transactions and experiences, refraining from reporting non-public personal information on my credit report. 

According to subsection ( e ), it is mandated that XXXX XXXX XXXX XXXX complies with my opt-out direction as soon as reasonably practicable upon receipt. Furthermore, subsection ( f ) emphasizes that a I retain the right to exercise the opt-out at any time. 

Crucially, subsection ( g ) specifies the duration and revocability of my opt-out direction. My opt-out direction will remain effective until I revoke it in writing or, if mutually agreed upon, electronically. 

Even after the termination of our relationship, as stated in subsection ( g ) ( 2 ), the opt-out direction continues to apply to nonpublic personal information collected during or related to our specific relationship.

I bring these provisions to your attention to ensure that our communication aligns with the regulatory framework outlined in 16 CFR 313.7. 

The request the account in question to promptly reflect positive status, ensuring no balances indicating account utilization. These reported details contravene our opt-out request, which prohibits the reporting of my transactions and experiences. It is crucial the account portrays a positive status in alignment with my request. 

I emphasize that any opt-out clauses established by XXXX XXXX XXXX XXXX XXXX not supersede the provisions set forth by United States Code ( USC ) or Code of Federal Regulations ( CFR ). Regardless of XXXX XXXX XXXX XXXX internal policies, the rights granted by federal laws take precedence. 

This ensures that my rights as a consumer, as granted by federal regulations, are protected and upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent my change update of information to the letters to the credit bureau to update my name and address however to be reported correctly but the credit bureaus have fail to do so
Product: Credit card or prepaid card

Someone created a virtual card corresponding with my Bank of America credit card. Between XX/XX/XXXX & XX/XX/XXXX they charged XXXX {$5000.00}. We ( my wife & I ) use the card 1 or two times per month. Saturday, XX/XX/XXXX @ XXXX I received a text asking if 3 listed transactions were fraud, I texted back " yes ''. When I got home later I called Bank of America. By talking to the BoA associate I found out that these were fraud charges numbers 7, 8, & 9 on my card. We cancelled both of our cards, they re-issued new cards we were to receive in 7-10 days. I thought this would suspend all charging to my account until we activated our new cards .... Fraudulent charges continued immediately the next day and through the week.

I received another text from BoA on Friday, XX/XX/XXXX @ XXXX asking if the 3 charges listed were fraudulent, I replied " yes ''. One of the charges was XXXX XXXX XXXX, obviously some Asian fraudulent looking charge. I again called BoA and talked to an associate, found out there were charges throughout the week. We cancelled the cards that we hadn't even received yet. They removed all the charges from our record. 

We received a letter XX/XX/XXXX stating that they investigated & thought there was " NO FRAUD ''. The charges went back onto our account. I called BoA in early XXXX re-stating that these charges are fraudulent, we had our credit cards in our possession, we didn't loan them to anyone, & we did not make the charges. They removed the charges. 

We received two letters XX/XX/XXXX stating that they have completed an investigation and concluded no fraud. 

On XX/XX/XXXX I sent a certified letter to BoA re-stating the charges were fraud. I had also found many mistakes in there letters & billing. 1 ) No fraud on accounts ( credit card numbers ) where we weren't claiming any fraud. 2 ) Charges on our bill where they indicated that the charge was declined in the text that they sent me. 3 ) That we had never created a virtual card associated with this credit card. ( Why create a virtual card if we have chipped cards? ) 4 ) That we don't recognize the phone number associated with this credit card. I NEVER RECEIVED A RESPONSE TO THIS LETTER! 

On XX/XX/XXXX I sent ANOTHER certified letter to BoA asking them to 1 ) Remove the fraudulent charges, 2 ) removed the finance & interest payments, 3 ) Send me an accurate statement, 4 ) Send me evidence, logic, & reasoning as to why they think these charges are not fraudulent. 

On XX/XX/XXXX I received a letter from BoA stating we've reviewed your claim, we still think there is no fraud. We know you disagree, but we're not going to resolve in your favor.
Product: Vehicle loan or lease

I am at the end of my Lease with a vehicle through Ally Financial. They have given me a buyout amount in my lease contract ( to buy the car ) and quoted me through their customer service team. I have been approved for financing through my credit union, and Ally Financial refuses to send the proper documentation to my credit union so I can complete the buyout. They have only given me the option of financing the buyout through them ( XXXX ) at a much higher interest rate than my credit union, paying cash, or going through a dealer. The dealer option has dealer fees associated with it, and the payoff is higher than the quote I got from Ally ( dealer buyout is different amount? ). Ally will not allow me to use a lender of my choice, and are forcing me into a loan for this car that is not reflective of my credit. 

My Credit Union approval was for {$24000.00} at 2.75 % APR for 60 months XXXX XXXX ( Ally 's company they will let me finance through ) approval was for {$24000.00} at 4.49 % for 60 months The dealerships said they can match my credit union rate, but have a $ XXXX document fee, and a higher buyout ( {$2500.00} higher ) from Ally Financial than what I have been quoted. 

I have a chat transcript from Ally on XX/XX/11 that states they will not send the lease buyout documents to my credit union or any 3rd party for that matter.
Product: Debt collection

I have called, and reported this Debt collection company on several platforms, and also reported them to all three credit bureaus. I had my identity stolen, and have notified the company that this is not my account and also mailed this company the copy of my FTC identity theift report, as they requested that I do. Then I asked the company to stop reporting this account as mine, by law they are not supposed to continue to report on it. and to quit reporting interest on this account resulting in my credit score going down because this company is reporting interest going up then two days later will report the balance has gone down by a dollar. 
And another two days increase the balance again. I called company and ask why are they still reporting activity if I already stated this account is fraudulent, and you have proof? The agent told me they can still report on this account, witch I know is false. This has been going on for awhile and I'm tired of this company in my personal data. And I just want this Debt collector activities investigated aswell. And also after reporting this company they immediately closed the account, then they opened it up again an began what I believe is toying with me, on my XXXX  account it shows closed with a past due balance that's illegal if it's a fraudulent charge and you have proof. All agents I have spoken to are hard to understand, and can never get me to a manager, are some one in higher authority.its bad business at this debt collection establishment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have presented several letters to Equifax regarding to my personal information. The seem to have not responded to my letters and having make the changes to my personal information. 
They have my name as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
Also they have my work history incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
All the address they have are not mines : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Reporting To The Credit Bureaus To Whom It May Concern : I received a copy of my credit report about the bankruptcy below.

{ account_number } I was told from all XXXX credit reporting agencies that you all report Bankruptcy to the XXXX credit reporting agencies Experian.Transunion, and Equifax. If so that is a private matter Especially if you didn't report it. Any account thats reporting on a consumer credit report must list the agency who is furnishing the account and list your name as reporting it to the credit reporting agencies. Can you please reach out to me and let me know if this is true please. As I know that forgery of your name onto my credit report if you didnt report it directly as the furnisher. 
Thank you for your time and help in this matter. 

Sincerely, _____________________________________ XXXX XXXX
Product: Money transfers

Quicken Loans pulled {$310.00} out of our checking account and put it into our escrow account without our consent. When I brought this to their attention on XXXX/XXXX/16 they admitted that it was their mistake and they would make it right, however all I get is the run around that they are looking into this and I was supposed to get this money returned within 72 hours into our checking account and I still do not have the money! I called again on XXXX/XXXX/16 and again was given the runaround that some other team will look into it on Monday XXXX/XXXX/16. I need this money! It took them but a nano second to take the money from my account, now why ca n't this be taken care of as fast? I am sitting with {$2.00} in my checking account and really need this money! This amounts to theft in my eyes and fraud! That they can go into someones checking account and take money out without consent and then give the consumer the runaround to get their money back is just not right! I do n't care how nice they are on the phone! I want my money and I want it back now!
Product: Debt collection

Third part debt collector do not have the authority to collect this debt on behalf of the original creditor. I have no contract with the collection agency and I have never received any benefit from the collection agency regarding this debt.
Product: Money transfer, virtual currency, or money service

Coinbase has {$4500.00} of my money more than a month after they said they returned it. On XX/XX/XXXX I wire transferred {$4500.00} from my bank to my XXXX account at Coinbase, who said on XX/XX/XXXX the wire was rejected and would be returned because of a name mismatch. I hadn't received the money by XX/XX/XXXX so I filed a complaint with the CFPB. On XX/XX/XXXX, exactly 15 days later, Coinbase told CFPB that the money was returned on XX/XX/XXXX and that the case was resolved. Further, Coinbase told me and the CFPB that I should ask my bank where the money was and they provided a FED reference number. My bank could not find the money and said that I should ask Coinbase to trace it.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
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.