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

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX I am writing to file a formal complaint against all credit reporting agencies, including but not limited to XXXX, XXXX, XXXX, and XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, for their unauthorized and unethical handling of my personal information. 

This complaint is based on several serious violations : XXXX. **Failure to Provide Opt-Out Information : ** I have never received monthly options to opt out of data sharing from any of these agencies, despite legal requirements to provide such options. 
XXXX. **Lack of Express Written Consent : ** None of these agencies have obtained my express written consent to collect or disseminate my personal information. 
XXXX. **Misrepresentation of Opt-Out Rights : ** I was falsely informed by these agencies that I am not allowed to opt out of their services, a clear misrepresentation and fraudulent practice. 
XXXX. XXXX*Illegal Profit from Personal Data : ** My personal information has been transmitted illegally by these agencies to third parties for their own profit, from which I have derived no benefit. This action constitutes a violation of the Privacy Act of 1974, which protects against unauthorized disclosure of personal information. 

These practices breach the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 6802, and demonstrate a blatant disregard for my rights and safety, potentially exposing me to identity theft and financial fraud. The systemic failure of these agencies to uphold privacy and integrity of consumer data is alarming. 

I urge the Consumer Financial Protection Bureau to conduct a comprehensive investigation into these flagrant violations and enforce strict penalties to prevent further misconduct. It is critical that decisive actions are taken to ensure these agencies comply with all applicable laws and respect consumer rights. 

IN ADDITION, THE LAW CLEARLY STATES IT IS ILLEGAL TO REPORT TRANSACTION HISTORY - HOW IS ANY AMOUNT REFLECTED ON MY BALANCE? 

I look forward to your prompt response and resolution of this matter. Please contact me at the details provided above if further information or documentation is required. 

Thank you for your immediate attention to this critical issue. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was the dates. Hours between XXXXXXXX XXXX. Phone calls was made to creditors and XXXX.
Product: Debt collection

I XXXX XXXX XXXX am on a XXXX XXXX income. I have medical insurance through XXXX and XXXX XXXX XXXX XXXX XXXX. I have been having issues with a debt collector agency by the name of Wakefield and Associates who alleged that I owe some type of medical debts that I do not owe. Any and all medical bills were retroactively paid and afforded by my insurance company. Wakefield and Associates have not made any lawful attempts to notify me of specific details such as dates, times, agencies owed or service provided for which any alleged debts were acquired. They have falsely attached negatory marks on my credit report without any legitimate evidence of any debt. They are using my credit report as XXXX in hopes to acquire any illegitimate monetary assets they hope to gain through predatory tactics. I grant permission for contact of my medical insurance providers as well as medical providers that have treated me. I wish to publicly accuse Wakefield and Associates of illegally editing any debt amount allegedly owed by myself. Every time I have disputed the allegations Wakefield and Associates then edit monetary amounts claimed to be owed. I support this accusation with the fact that no legitimate evidence of verified proven debt has been discussed with me in neither writing nor verbal notice, as well as the lack of verified detailed information or details of any debt claimed on any account placed on my credit report in the form of negatory marks and accounts. Due to this lack of notice of verified detailed information I suspect Wakefield and Associates of being dishonest and illegally attempting to gain assets through unspecified means. The accounts and negatory marks that they have applied to my credit report are false, and knowingly untrue. I permit any medical billing statements to be acquired as evidence. To my best and truthful knowledge I owe no form of debt to Wakefield and Associates, and at a later period today I will be providing a photo of current medical balances. In order to support my testament. Further investigation of any alleged debts that has been claimed to be owed by myself to Wakefield and Associates is much welcomed as well as any detailed information regarding the allegations.
Product: Mortgage

This is the email I sent to mortgage company ( Pennymac ) on XX/XX/2024. 

Urgent : Incorrect Wind Insurance Charge and Mortgage Payment Increase. 
I am writing to bring to your attention a significant issue regarding the wind insurance coverage on my property. Despite providing you with documentation confirming that I already have an active wind insurance policy that meets the requirements of my mortgage agreement, I have noticed that you have purchased additional wind insurance, resulting in an increase to my monthly mortgage payment from {$2500.00} to {$2900.00}. This additional insurance charge of {$2900.00} was applied without my consent and after I had already submitted the required proof of my current coverage. I request that you immediately review my account and the documentation I provided to resolve this matter. What Needs to Be Done : Please cancel the force-placed wind insurance policy purchased by your company. Issue a refund for the amount charged for the duplicate insurance coverage. Adjust my mortgage payment back to the correct amount of {$2500.00}, reflecting only my existing, valid insurance policy. If this issue is not resolved promptly, I will be forced to take further action, including : Disputing the charge through the appropriate channels. Escalating the matter to higher management within your company. Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) if necessary. I expect a response within [ 5-7 business days ] and look forward to your prompt resolution of this matter. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than XXXX business days after the date reception. It has been XXXX  days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!
Product: Checking or savings account

I opened an account with robinhood XXXX account back in XXXX XXXX XXXX of XXXX I flew to XXXX XXXX XXXX while abroad I lost my XXXX XXXX XXXX XXXX and during that time a recurring transactions from other account were established and sending a total of {$2300.00} to my robinhood account.I Tried unsuccessfully to contact XXXX.I had no other choice just to file a dispute.after approximately 5 days the transactions were reversed and I received my money bac.I returned to the United States in XX/XX/XXXX and I'am still locked out of my robinhood account.I emailed the help desk and they requested a picture of my self holding my identification.they are not following the disclosure and guidance of how to log back ounce you forget your password.they have my social security number my passport card informations my driver license my physical address, that should be enough to let them give me access to the account.for all the reasons listed above, I do not want to bank with robinhood anymore. 
I currently have {$410.00} in my investment account at robinhood. 
how can solve this issue.
Product: Credit reporting

I called up Equifax and told them I can not get my credit report from annual credit report and would like to file a dispute.They told me to fax my driver license and SSN card which I did and inspite of calling them up after 48 hours they inform me that did not recieve the fax where as the fax report clearly says delivered.
Product: Vehicle loan or lease

CREDIT ACCEPTANCE I went in to buy a used car that was XXXX. The car I was intending to buy was a XXXX XXXX. I was waiting to pick up the car paperwork all complete and last minute they said they sold the car to someone in the lobby. After I had been there and waiting to get my car i was approved for and waiting on. Mind you this after they took my car for down-payment so I no loner had a car. I had a XXXX XXXX XXXX they gave me XXXX trade in after saying it would be XXXX. They sold me a XXXX XXXX they told me it would come out to about the same price. They sneakily and fraudulently stuck me into a car wel over my budget. I explained to them I didn't have perfect credit. I got charged for warranties I NEVER signed for. I left the dealership at XXXXXXXX XXXX with a XXXX XXXX loan they knew I could not afford. And was told my interest was XXXX XXXX  and just found out they are charging me 21.9 percent. The car was listed for XXXX ( FOR LOW MILES ) I put my car up as down payment and then they told me I would need another XXXX cash to cover he down payment. I paid the cash. Right now the loan is XXXX total. This is fraud please help me The XXXX miles were reset by dealership. Was on dash when bought XXXX miles. ACTUAL MILES XXXX WAS ON THE LOAN AGGREMENT THAT WAS FINALLY SENT TO ME.
Product: Credit reporting or other personal consumer reports

I initially reported this on XXXX XXXX and nothing has changed. XXXX XXXX is reporting duplicate information on my credit report. the credit information is reporting on XXXX and Equifax credit bureaus. I submitted a credit report to them showing the error and I submitted a dispute trying to correct it. Both the credit bureaus and XXXX XXXX  have ignored my request. I am a minority single female who is feeling discriminated against by XXXX XXXX I have submitted multiple requests and I have been ignored on them all .. XXXX sees the accounts are duplicates but still ignores them .. its in plain sight. The account number only differ by XXXX in front .. every thing else is the same. They are deliberately not trying to correct error.
Product: Credit reporting

I called Experian today XXXX/XXXX/2016 at around XXXX and was on hold till about XXXX an agent picked up in the fraud handling department by the name of XXXX XXXX state he team was XXXX or XXXX. I stated to the rep that the XXXX major credit bureaus have removed the account diversified consultant. The XXXX major credit bureaus where XXXX and XXXX I also have supporting documentation in writing stated that the account has been removed also via email. I have provide the same documentation to all XXXX major credit bureaus on my detectives behalf XXXX XXXX and also been approved and am a victim of Identity theft. I asked the rep how can XXXX bureaus take this account off my credit but you guys say it still remains. according to the other XXXX bureaus being that I have filed the policy report and it has been approved with heavily documented information the account ha been removed. This agent XXXX XXXX stated all XXXX bureaus operated differently in which I know it is all built on the same foundation just a few tweaks of course. she than tells me its basically nothing she can do so I asked nicely if you cant help please put me on the line with someone who can. she stated she will not because I keep interrupting her when I stated I am the customer before I argue with you id like a supervisor. She than states I will not transfer you until I can say what I need to say. I stated I do n't want to hear what you have to say anymore transfer me now and do your job. At this time she is still refusing and I stated I will not answer any questions form you. She says so your refusing information now?? that was very unprofessional I said to myself. I than just became silent so she placed me on hold and said ill get a supervisor I waited maybe 4 minutes on hold and she hung up in my face I called back within seconds and than Experian is closed that was so rude. Is this what Experian train their representatives to be like. I 've been very stressed it should n't be this hard taken off an account that clearly the creditor stated they can not provide documentation to me or my detective because they do n't have it the account was opened online they say. They just have my name and social Clearly I 'm a victim of identity theft that information has been compromised. I do n't know what tricks Experian is playing but how can they remove an auto loan that was XXXX dollars but cant take off a XXXX account that is XXXX dollars with the same supported documentation. Something is not right I feel they are trying to work together this has to stop.! the creditor admitted its not me and so have my police report that 's heavily documented.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when the transaction were authorized, I was charged feeds due to lagged posting of charges and credits. This issues aligns with the recent XXXX  findings against XXXX XXXX  for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe theses practices are unfair and request an investigation into my account transitions.
Product: Credit reporting or other personal consumer reports

I RECENTLY NOTICED QUITE A FEW INQUIRIES LISTED ON MY CREDIT REPORTS THAT I DID NOT AUTHORIZE. NOT ONLY ARE THEY UNAUTHORIZED, BUT THEY ARE UNJUST INACCURATE AND INCOMPLETE. I NEED THESE REMOVED IMMEDIATELY BECAUSE I DID NOT BENEFIT FROM THESE UNAUTHORIZED INQUIRIES NOR DID I CONSENT TO THESE. SOMEONE IS TRYING TO TAKE ADVANTAGE OF ME AND I WANT TO PUT AN END TO IT NOW!
Product: Debt collection

They have never contacted me, in violation of the fcra and fdcpa. I disputed via the credit bureaus and ask for validation in writing pursuant to us code subsection XXXX et seq. They did not respond, in additional violations of the fcra and fdcpa. 
They continue to harm my credit whilst ignoring all relevant federal laws. They pretend to operate with impunity. I know they have my address as they bought it from XXXX long ago. Yet I still never received anything from them whatsoever. not verbally nor in writing.
Product: Credit card or prepaid card

On my Chase sapphire XXXX card dated XX/XX/2020 I received a bill ( among other fraudulent charges XXXX for {$110.00} from XXXX XXXX XXXX XXXX. I phoned Chase and they credited the amount back to me. Before contacting Chase I called XXXX XXXX XXXX XXXX and they had no record of the purchase. Obviously the card was cancelled and another one issued. I have yet to use the new card. Yet, I noticed the amount recharged on the new card during the most recent bill. I have written to Chase and filed with XXXX to no avail. 

As of today XXXX XXXX XXXX ) someone from Chase purporting to be from the XXXX office ( XXXX ) and named either XXXX or XXXX XXXX voice was muffled, and no call back number or last name was given ), called and said she was going to call me back, I have heard nothing since that call on XX/XX/XXXX, XXXX 

I am not willing to pay this amount ; nor will I pay interest or penalties on something I never purchased. 

I have also asked Chase to describe how they protect my information and that query has yet to be addressed. If I am ever to use that card I will need the answer to that question as well. 

Thank you for your assistance in this matter.
Product: Mortgage

After Carrington Mortgage Services purchased my loan from XXXX, they never notified me and I missed a payment. The next month, after realizing, I went online to make a payment and they would not allow it. They said I had to register with XXXX XXXX and send the $ that way. This did not seem right, so i did n't do it. I then contacted them again and they said I had to pay both months. At the time, we were not able to do that, so they asked me to fill out the loan modification paperwork in order to get that payment rolled back into our mortgage. This started a grueling nightmare project for 6 months of filling out paperwork, faxing XXXX pages at a time and then them continuing to say they never recieved it. I sent all the paperwork, completely XXXX different times, yet they " never received it ''. I called many many many times, trying to get this worked out, only to be put on hold for XXXX minutes, or to be told they needed something else ( that I had already sent ) or even re-telling my entire story becaus eno one had made record of it. For 6 months they let this go on. When I finally got everything in ( or more like they found it ) they processed my loan modification and then came back and said we did n't qualify and our house would go into foerclosure if we did n't pay the full amount due.
Product: Credit reporting or other personal consumer reports

Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

My Identity was stolen and a car loan was created in my name. I have filed a police report as well reported this to the Federal Trade Commission. 

The following account should be deleted from my credit report immediately. 

XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX there was an authorized charge on my account for {$790.00}, I contacted Wells Fargo and reported my card stolen and the transaction as fraud. 

Because of its amount, I filed a police report with XXXX Police Department and told Wells Fargo I had the report. They said they would not need it and to hold onto it. 

Wells Fargo credited the charges in XXXX in XXXX they reversed their decision and charged my account {$790.00}. 

I asked Wells Fargo why they reversed the charge and they said the merchant responded to us with a receipt So because they merchant responds with the receipt how is that evidence I was responsible for the transaction? 

I have my police report still and Wells Fargo has refused to help. I called XXXX and the agents are outsourced who dont speak XXXX and keep asking me whats the point of a police report?

Uhm because my card was stolen and someone used it!! 

I requested to talk to a supervisor here in the XXXX and not an outsourced call, its been XXXX min and no ones picking up which is why Im filing this complaint as no ones helping or picking up the phone
Product: Credit card or prepaid card

In XX/XX/XXXX I had consolidated my debt with major bank companies using XXXX XXXX XXXX. As of XX/XX/XXXX, with only {$4000.00} left out of the initial $ 11,000+ I had in debt, XXXX had to drop me due to my unemployment status. I had worked with other banks on understanding specific information about my employment status and how I have been working on these bills and has reflected when these banks had worked with my by differing these payments and nullifying any compounding interest. Citibank took another approach, and had been exponentially raising their price. I had received a personal check from my father which was not in the window of my claim for unemployment insurance, and had hoped this would help get them specifically off me and lower their insanely high minimal payment due to the late duration. They had agreed verbally, but then I suddenly stopped receiving my unemployment benefits. I had asked my father again to help with a check but the check was held, and still is, until the XXXX. Given no reason as to why, the Citibank minimum payment has compounded and raised to a ridiculous amount and is not plausible to me anymore to make as a payment while still making a payment on my other bank accounts. Citigroup is known to have a plutotomy style driven goal for their future, and they see this horrible pandemic as a gateway to their ultimate purpose. Please understand that I am trying, and I am working closely with IDES and my old employer to get my funds in order and Citigroup has made it nothing but difficult.
Product: Credit reporting

I went to court seven years ago XXXX I did with a gentleman I paid him the XXXX dollars the judge ordered me to and now it is showing on my credit for the full XXXX rather than the XXXX $ the judge ordered me to pay and it is showing like it is a bill or judgement against me which is preventing me from getting a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, XXXX and TransUnion credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.