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

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The Ohio Attorney General 's Office, XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX have 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: Credit reporting or other personal consumer reports

On XX/XX/XXXX I called XXXX and XXXX to ask for the removal of hard inquiries that I did not authorize. I was told that they would not remove them without a police report being sent to them. I stated to them that under the FCRA law that states if any information can not be verified it must be removed : the two bureaus than proceeded to tell me to report it to the FTC. I was than told that there was nothing they can do. They refuse to help in the matter at hand.So no action will be taken I was told. These are the hard Inquiries that was not authorize by me. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX. XXXX XX/XX/XXXX Also I would like to ask for the removal of two late payments.One from XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX XXXX. The two companies reported late payments despite me trying to pay before the due date but the dates fell on a weekend so it did not allow me to pay until the upcoming mondays and even than it still took 2 to 3 days to process the payment I have contacted both companies and they told me that they understand and it wasnt my fault that they would update their notes and I would have to report to you guys ad you will contact them and they would give you access to their notes I would have to reach out to your company on behalf of myself.
Product: Money transfer, virtual currency, or money service

Refuse transfer money from CD account to CHKG account Mrs XXXX XXXX service client/.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I will not allow these inaccuracies to go unchallenged. 

Despite my diligence in maintaining responsible financial habits, these errors are creating unnecessary setbacks for me. The Fair Credit Reporting Act ( FCRA ) is clearany outdated, incorrect, or unverifiable information must be corrected or removed immediately. I expect swift action to resolve this issue, as any further delay will only worsen the damage caused. 

Closed Late Payment Account ( 3 Bureaus ) XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Late Payment ( 3 Bureaus ) XXXX XXXX XXXX
Product: Mortgage

For a number of months I attempted to discuss the Keep Your Home California program with my mortgage loan servicer, Wells Fargo Bank, N.A. The program was developed for California 's handling of the hardest hit funds federal program. I was ultimately approved for the program and have since received a substantial some through the program. Subsequent to my approval staff working for the program advised me they had been unable to contact Wells Fargo to discuss my loan. I thereafter contacted Wells Fargo on multiple occasions in an attempt to both trigger them responding to Keep Your Home California and obtain information about their involvement with the program. Wells responded by telling me they could not talk with me because my " loan '' was in litigation. In point of fact my loan is not and has never been the subject of litigation. My litigation with Wells is based on Wells ' violation of both federal and state law and does not, in fact, involve my loan. Despite this Wells has now on multiple occasions told me both in writing and over the telephone that they can not speak with me and instead directed me to contact their attorney. Since I am represented by counsel it would be a violation of California 's rules of professional conduct for Wells ' attorney to speak with me. Given it is at least possible this " direction '' is coming from their outside counsel I have also filed a complaint with the State Bar of California about it. It is also quite possible that Wells has separately decided to try and steer me to their outside counsel however I have been a customer of Wells since they acquired XXXX XXXX decades ago. Indeed, I opened a checking account with XXXX prior to its being acquired by Wells in XXXX. The bottom line at this juncture is that Wells is refusing to discuss questions I have about the servicing of my mortgage loan by making false statements about the context and facts of the ongoing litigation. Indeed, in their latest written communication they have flatly lied about the actual dates about which I've inquired and misrepresented my statement as well.
Product: Credit reporting or other personal consumer reports

I reviewed my annual credit report with XXXX, XXXX, Experian and I noticed several hard inquires that did not have permissible purpose.. According to the U.S.C anything furnished on my credit report must have permissible purpose which is stated in 15 U.S.C 1681 B Experian Hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these Hard Inquiries have Permissible Purpose to be recorded on my Credit Report.
Product: Debt collection

XX/XX/2021 Someone on the behalf of Midland Credit Management has contacted someone i knew and described there self as an authority. I have complained numerous times about this company and their false debt that I allegedly owe. I can not sleep at night because the harassment.
Product: Checking or savings account

I have two Individual Retirement Account Time Certificate of Deposits for {$2000.00} each for tax year XXXX issued XX/XX/XXXX to myself and then living husband from then XXXX XXXX XXXX XXXX XXXX XXXX. ( now Wells Fargo Bank via XXXX acquisition ). These CD-IRAs are continuous no renewal necessary. We purchased these from the same bank branch then that we/I still bank at. 
I took these two CD-IRAs to my same bank branch ( XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ) that we bought them on two separate occasions ( Friday XX/XX/XXXX and Friday XX/XX/XXXX ) and the Wells Fargo bankers claim they can not find any record of these accounts in their Wells Fargo system,  and therefore are unwilling to relinquish either my nor my entitled deceased husbands IRA investments and accrued interest earnings. They referred me to the Arizona Unclaimed Property Office ( not sure why since we/I have banked there the entire time and these are Individual Retirement Accounts no reason to send retirement savings to Unclaimed Property especially when Ive been banking with them all along, and even though they, Wells Fargo, have no record of submitting them ). I checked on Friday XX/XX/XXXX and AZ Unclaimed Property has no record of unclaimed property under either of our names.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to demand the immediate deletion of the following inaccurate and unlawfully reported charge-off from my credit report within 72 hours : Account Name : XXXX Balance : {$1600.00} Charge-Off Status ( Incorrectly Reported ) This charge-off has been paid, and any further reporting of a balance is a direct violation of the Fair Credit Reporting Act ( FCRA ) and consumer protection laws.

LEGAL VIOLATIONS & GROUNDS FOR REMOVAL 1. Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), XXXX is legally required to maintain accurate reporting. The continued reporting of a paid charge-off is a clear violation of this federal law and must be corrected immediately.

2. Attempted Double Jeopardy in Credit Reporting Potential Fraud The balance has already been resolved, and any attempt to collect or report it again is fraudulent. Forcing a consumer to pay for the same debt multiple times is illegal under **15 U.S.C ( be advised that FTC report has already been submitted )
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up n accordance with 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 : It also states a consumer reporting agency can not furnish a account without my written instructions Account ( s ) Original Creditor : Orthopedic Physician Associate Collections : Audit and Adjust Opened : XX/XX/2021 Amount : {$520.00} Original Creditor : XXXX XXXX XXXX XXXX Collections : XXXX XXXX XXXX Opened : XX/XX/2021 Amount : {$26.00} Original Creditor : XXXX XXXX XXXX  NA Collections : NA Opened : XXXX XXXX Amount : {$0.00} Charge-Off
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX credit report on XX/XX/year>, and I noticed credit card utilization posted on my credit report.Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer report, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( a ) In accordance with the written instructions of the consumer to whom it relates.

I did not give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ) the term consumer report does note include - ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account ( 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
Product: Checking or savings account

I went thru the drive thru to deposit a check on Tuesday XX/XX/XXXX. When I got my deposit receipt on the back said that since I have had several overdrafts in the past 6 months, my deposit would be hold until XX/XX/XXXX. I was not informed of this before the deposit was made. The deposit was for {$5000.00} because I had several things coming out. They have charged me over {$250.00} in fees for those items hitting without that deposit. It has left me without any money for gas or groceries.
Product: Credit reporting or other personal consumer reports

At first Experian listed my XXXX XXXX XXXX XXXX  account as a loan that was paid in full. Then, they changed the entry to credit card closed by the guarantor with a XXXX balance. The fact remains that I still have my XXXX XXXX XXXX XXXX The account is XXXX and I have even received an increase on my credit limit and my new limit is {$700.00}. I disputed it with Experian and they responded with " verified by the lender ''. I find this hard to believe as I am still making charges on this card and just made a {$200.00} payment last month. XXXX finally updated their records to reflect my card. This is causing my credit score to be much lower. I've tried everything to get it corrected and I didn't know what else to do besides make a complaint,
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States that I have the rights 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

On XX/XX/2023 I sent an email to XXXX disputing debts in letters from XXXX XXXX XXXXXXXX dated XX/XX/2023 and XX/XX/2023. In that email I asked them to verify the debt and to stop contacting me. On XX/XX/2023, I was served an Original Notice for one of these alleged debts saying XXXX XXXX XXXXXXXX was suing me in XXXX XXXX, Iowa XXXX XXXX XXXX. On XX/XX/2023, I received a packet in the mail from XXXXXXXX XXXX XXXXXXXX in an attempt to verify the debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX  my credit file number is XXXX im a victim of identity theft please remove and block the fraudulent accounts from my credit report I sent proof of identity theft and police report they told me that if i send proof of the original police report stating the fraudulent accounts that they will remove and block these accounts and now that i sent proof over XXXX times they are refusing to remove and block the fraudulent accounts from my credit report by bank of America, XXXX XXXX and XXXX XXXX XXXX  these accounts are fraud why is XXXX giving me a hard time to remove these fraudulent accounts when I sent all the proof to them and they keep refusing to help me I sent them what they ask for with proof
Product: Mortgage

Dispute and Clarification Letter Date : XX/XX/year> From : XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Loan Number : XXXX To : NEWREZ LLC DBA Mortgage Shellpoint Mortgage Servicing NMLS ID : XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ________________________________________ Subject : Dispute and Clarification Request Regarding Loan # XXXX Payment Handling Dear Shellpoint Mortgage Servicing, I am writing to you regarding the communication I received on XX/XX/year>, in which I was asked to apply for a loss mitigation program related to my loan # XXXX. I appreciate the communication ; however, I would like to clarify several critical points regarding the information provided and the management of my loan account. 
In the letter, it was stated that my account is in pre-foreclosure, which I believe is incorrect and is of great concern. For the past XXXX months, I have been making the monthly payments of {$1700.00} on time, and these payments have been sent directly to your company. 
Therefore, I urgently request a thorough investigation into the accounting records of Shellpoint Mortgage Servicing, as there appear to be significant errors in the processing of my payments. Furthermore, I demand documented proof explaining why my account has been listed as delinquent and placed in a pre-foreclosure process.

Specifically, I request that : 1. I am provided with a detailed breakdown of the payments received by your company over the past XXXX months, including dates and confirmation of the exact amounts received for the loan in question.

2. I receive an explanation as to why, despite making my payments, I continue to receive notices about a supposed default on payments.

3. All pre-foreclosure or any similar processes be halted while this issue is investigated and my payment records are clarified.

I look forward to your immediate response and an effective resolution to this issue. Should I not receive a satisfactory response within a reasonable time, I will be compelled to take legal action to protect my rights and prevent any unjust harm this situation may cause. 
Thank you in advance for your prompt attention and response to this urgent matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my utmost discontentment with the continued existence of fraudulent accounts on my credit report. Following the reporting of this identity theft, I contacted the company related with the fraudulent accounts. While they confirmed the validity of the report, they stated their inability to provide records. However, they assured me that the fraudulent accounts would be instantly abstracted. Both XXXX and XXXX have already removed these accounts from their records after distinguishing and rectifying an error. I am at a loss by your confirmation of these accounts when the other bureaus have already removed it. Please delete these accounts from my file, as it is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have attempted to get itemized and detailed explanations of unexplained charges from Nationstar/ Mr Cooper . I have sent correspondence directly to Nationstar/ Mr Cooper , sent a QWR, and filed a previous complaint with CFPB. This is my second complaint. Nationstar/ Mr Cooper has responded by sending me loan agreements. The paperwork is not an answer to my request for itemized explanations to the charges. There is no itemized calculation included in the loan agreements. I am now going to specifically request an itemized detailed calculation explaining the XX/XX/XXXX charge for {$22000.00}. This charge is listed as NO DESC AVAILABLE on the account transactions listing sent to me by Nationstar/ Mr Cooper in response to my previous CFPB complaint. I do not understand this charge. I was not explained this charge by being sent copies of loan agreements.
Product: Student loan

I would like to file a complaint against Navient for harassing me. I have repeatedly tried to lower my payments with no help so I pay whenever I can and it has not even been a month ( last payment was XXXX XXXX XXXX XXXX since my last payment yet I am still getting up to 8 calls and 2 emails a day.
Product: Credit card or prepaid card

Back in the day when I first joined US Bank NA, I was working in my good merit to achieve the US BANK Cash Rewards + credit card. And they denied me it, with my amazing credit profile I already had established prior, and excused that I had to begin with THEiR secured Visa credit card, first. Which included putting aside MY MONEY, then pay the annual fee, then wait and then apply again for the Cash+ card which would require ANOTHER hard inquiryTHEN when it came to pass I was worthy of the Cash+ credit card. And because I already opened an account with DIFFERENT credit card, I was told I lost my {$100.00} off first {$500.00} spent promotion using that card. But its whateverIm over it. That was just a XXXX move.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Capital One, XXXX, and XXXX/XXXX accounts have all been used by another individual for personal pursuits. Fraud alerts have been set up and an FTC complaint has been filed # XXXX. All cards have fraudulent charges and incorrect amounts.
Product: Credit reporting or other personal consumer reports

My credit fraudulently used by someone other than myself without my knowledge which created bad credit reporting third party
Product: Debt collection

XXXX XXXX did not disclose the debt collection at all, nor did they send a notice about sending to collections. I was not aware of these debt collections until they reported to my credit report. 

I reached out to XXXX XXXX on several attempts to offer payment on the account before they sent it into collections. XXXX makes it very complicated to be able to reach out to someone to get help on the matter. On the actual XXXX account, the last time i took a look at it which was XXXX  XXXX, the past due balance was about {$380.00} or so. They did not disclose it was being sent to collections, and sent it to collections for over {$900.00}.
Product: Student loan

XXXX university refused to send my transcript to a different school even though I used student loans while I attended the school. The school says I have a balance but I was told my one of the academic counselors that I dont have to pay back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$55.00} US DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX {$89000.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}
Product: Debt collection

Debt collector - threatened to obtain legal action ( judgement ) however there are no details on how they determined the debt ( medical bill ) no date of service, where etc. 

We get XXXX of medical bills a month as we take care of our ill father. This tactic is disturbing
Product: Money transfer, virtual currency, or money service

I work in XXXX in an environment with a language barrier, poor internet service, and inability to make international calls. I arranged for Western Union to have money available for me, but the bank would not give me the money ( {$2000.00} US ) because Western Union had blocked my account. They blocked my account when I tried to access it from a friend 's phone. I understand that they must prevent fraud, but blocking a customer from badly needed resources without the ability to get immediate customer support is dangerous and annoying. Western Union must have immediate, personal customer support in a variety of manner, not just via international phone number. 
In the attached email, you can see that I asked that they contact me. Instead, I received a form letter email several hours later.