23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 consumer 's right to privacy. '' XXXX and Experian 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 Congress 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 XXXXXXXX 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 XXXX the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX 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 - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) 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 $ 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish an 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 Experian 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: Credit card

I have been struggling with this bank for more than a year. After getting my credit card I opened my online banking features in their mobile app. I tried to sign in again to make a payment and the online account got blocked. After contacting many times customer service department to fixed the problem with the online banking they were not able to do it since I did not wanted a card that I would not be able to manage easily. They denied to close the account since I have the account locked and asked for my documents. I submit the required documents many times and every time I called back to closed the account they asked for something different. I gave up and decided not use the credit card. But after a few months a got I notice from the bank saying my account was past due. I contacted the bank again and submit a dispute for a purchase I did not recognize. They made the investigation and sent a new card. After a few months a got another notice saying a have my account past due again. This bank decided to send this past due payment to my credit report when weeks before they sent me a letter saying a have got full credit for my dispute and that I was not responsible for. I had fraud on this card since they did not gave me online access or let me closing my account and now my credit score went down XXXX points
Product: Mortgage

Me and my wife bought our home in XXXX XXXX. My wife was laid off from Caliber Home Loans on XXXX/XXXX/XXXX. Caliber Home Loans cause a lot of problems for her after they laid her off. She had a problem with getting my payroll check which is to help pay the mortgage. So we fell behind. At the time I was only delinquent for XXXX XXXX. So I called in XXXX XXXX and tried to get a XXXX XXXX. I started sending in the paperwork they requested to obtain the loan modification. After I would send the paperwork, I would call and the Caliber Home Loans rep would say it takes 5 days to review the documents. So I would call back after 5 days and the Caliber Home Loans rep would say some documents was missing. I did this Over and Over and Over again with Caliber Home Loans Person of Contact, which was different people every time. At that time, my house was not in foreclosure. But due to Caliber Home Loans giving me the runaround, my house is now foreclosure. Countless of times, I receive letters in the mail dated the same date asking for different documents. See attached documents showing that. Now my wife has a job and all we want is to keep our home and get a loan modification to get back on track. Caliber Home Loans claims to be recording all conversions so please ask them for the recorded conversions my wife had with countless Caliber Home Loans reps.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 


Depending solely on your flawed XXXX XXXX  has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX XXXX that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX & XXXX - XXXXXXXX XXXX XXXX
Product: Checking or savings account

My Wellsfargo account was closed when the final {$1400.00} stimulus check for XXXX was sent out XXXX of 2021. I NEVER RECEIVED THE CHECK, I WAS HOMELESS, MY ACCOUNT WAS CLOSED, IT IS ALL DOCUMENTED. Wellsfargo refuses to send the check back to the IRS and alert them that my was account was closed, the IRS is now trying to charge me XXXX XXXX XXXX for the stimulus check that Wellsfargo is holding illegally.
Product: Debt collection

XXXX opened an account with Fortiva on XX/XX/2020 in my name and I have never signed up for security service. When I spoke with the company about the account I did not open, they did not care and wanted a payment anyway. Now the account is delinquent and it is destroying my credit.
Product: Credit card or prepaid card

Made a {$200.00} cash payment to my credit card at the Bank of America ATM in XXXX XXXX XXXX in MD on XX/XX/2019. ATM said they couldnt accept some of the cash, and then the screen froze, eating the money. It spit out a receipt with a number to call. This is the 2nd time this has happened to me this year, the first time was with a check. When I called the number I was transferred many times because there is somehow an issue over who is supposed to handle these kinds of disputes. When finally someone took my claim they said it could take 2 billing cycles to investigate, which is rediculous. All they need to do is check the atm and it should be over {$200.00}. I think now I learned my lesson and will no longer be using ATMs especially from Bank of America.
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow.

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Employer - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX Incorrect XXXX : - XXXX  Listed below are the Accounts that are being challenged XXXX XXXXXXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX  XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has resulted in the unauthorized use of my personal information. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report : Accounts to Be Blocked and Deleted : XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$6000.00} XXXX - XXXX - XX/XX/XXXX - {$1800.00} Inquiry to Be Blocked and Deleted : XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately, I could not choose multiple answers. Therefore, these are the problems listed below for the 1. Navient increased my student loan payments from {$60000.00} to XXXX XXXX with an initial repayment plan of {$200.00} a month but changed it to {$890.00} prior to the end of a forbearance which was not affordable, contained incorrect owed amount or feasible for a non-working individual that was directed into forbearance 2. Percentage rates quadrupled during the forbearance 3. There is no indication of the origination of the student loans.

4. The amount owed is extremely higher than it should be 5. There are charges for XXXX  College that should have been removed due to the school closing prior to earning a degree.

6. Multiple loans reports on the credit report that are not accurate 7. Their credit reporting practices have caused my credit score to plummet 100 points causing undue hardship to me and my family.

8. I am a XXXX  veteran that is requesting full forgiveness or discharge of all of the reported student debt.
Product: Credit reporting or other personal consumer reports

I completed an application for a HELOC loan through XXXX XXXX and spoke with a rep name XXXX. He stated that I was approved and that they will need to get an appraisal of the property to determine the value. He he pull my credit and also stated that my score was a XXXX and if I could get a XXXX that they could provide a 80 % loan. 

XXXX called back the next week stating that he wasnt licensed for Mississippi and he was going to get someone who was. 

Then I received a called from XXXX XXXX stating that he was a XXXX XXXX rep and was going to be taking care of the file. XXXX then pull my credit again ( twice in 1 week with the same company ) and said I was not approved do to low credit score. The inquiry states XXXXXXXX/rocket mortgage. I did not knowingly speak to anyone from rocket mortgage and did not authorize a 2nd credit pull from the same company in 1 week. 

I received a letter in the mail stating that the reason for denial was because of insufficient collateral. This is not what was stated to me because no appraisal was performed to calculate the equity, which I have {$120000.00} of appraisal equity. 

Due to XXXX XXXX inaccuracy of performance of my file, please delete this inquiry. There were misleading and incorrect information giving to me from the reps such as credit being pulled twice in a week from the same company, and XXXX XXXX 2nd rep ) being a rocket mortgage agent and I was told that credit was being pulled 1 time only and the original representative was not licensed in my state to handle my file. 

Lastly, I received a letter from XXXX XXXX then saying I was denied due to value or type of collateral not sufficient. Although, we never got to to the appraisal process to determine the value. 

Inquiries : XXXX XXXXRocket Mortgage XX/XX/XXXX2023 ( unauthorized credit pull from an unknown company ) This inquiry is for the same loan when my credit was pull on the XX/XX/XXXX/2023. I did not apply with Rocket Mortgage at any time. Please remove XXXX XXXX XXXX XX/XX/XXXX2023 ( Please remove due the the representative XXXX not being licensed for my state to perform a mortgage ) They are responsible for my credit to be pulled twice in a one week time period. 
Please remove I am requesting that the following inaccurate items be immediately investigated. 
Please delete this misleading information in order to show my true credit history. 
By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record. 

Also, pursuant to USC s1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me when the items have been deleted. You may send an updated copy of my credit report to the address below. According to the provisions of 15 USC section 1681j, there should be no charge for this notification.
Product: Credit card or prepaid card

Chase XXXX XXXX : Social Security Number Activity XXXX XXXX : XXXX XXXX WA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Greetings, I recently opened a credit card and as I was checking my credit score, I noticed that I received two alerts regarding the usage of my social security number. I am not aware how those individuals have used my social security number. Those alerts received are listed above.
Product: Debt collection

I am writing to formally demand that you immediately remove the collection entry from my credit report, which I believe is in violation of my rights under multiple legal statutes, including the Health Insurance Portability and Accountability Act ( HIPAA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Firstly, I was never informed by your company about any potential violation of the HIPAA Law in relation to the collection of my debt. Under HIPAA ( 45 CFR 164.502 ), you are prohibited from disclosing any medical information without my explicit consent. It appears that Synerprise Consulting Services has violated this provision by sharing or attempting to collect information regarding my healthcare, which I have not authorized. Your failure to comply with HIPAA regulations, coupled with your improper use of my personal health information, is a clear violation of my rights. 
Additionally, I previously made a payment towards the balance owed, yet I find that my account remains listed as a collection on my credit report. I will not be making any further payments to Synerprise Consulting Services as a result of your failure to comply with the legal requirements set forth under both federal and state laws. This constitutes a violation of the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 ), particularly under 1692e, which prohibits false or misleading representations regarding a debt. The continued listing of this collection on my credit report is misleading and unsubstantiated by my current payments, and I demand that it be removed immediately.

This letter also serves as a formal 15-day notice of my intent to take further legal action if these issues are not resolved. If Synerprise Consulting Services fails to remove this incorrect collection from my credit report within the next 15 days, I will initiate a lawsuit under 
both the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and the Fair Debt Collection Practices Act ( FDCPA ). I will also pursue claims for any damages and legal fees incurred due to your unlawful actions.

Furthermore, I will be filing a formal complaint with the Office of the Attorney General for the state of Texa. Your actions appear to violate both federal and state consumer protection regulations, and I will not hesitate to pursue all available legal avenues to hold your company accountable.

I trust that Synerprise Consulting Services will take immediate action to resolve this matter and comply with all applicable laws. Failure to do so will result in legal consequences, including the aforementioned lawsuit and complaints to the Attorney General and other relevant authorities. 

Please treat this matter with the urgency it requires.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the creditor XXXX has violated my rights under 15 USC 1681 Section 602, which states that I have the right to privacy.

Under 15 USC 1681-604a Section 2, it states that a consumer reporting agency can not furnish an account without my written instructions. Additionally, under 15 USC 1666b, a creditor may not treat a payment on an account under an open and consumer credit plan as late for any purpose. Unless they mail out documents 21 days before due date. 

I did not receive any letter requesting consent to furnish said account in a negative manner. I did not give verbal nor written instructions under any circumstance. 

This ( 1 ) late payment caused my credit to drop XXXX points, consequently impacting my opportunity to purchase a home for my family and me. I need this to be rectified immediately. I have requested that they correct this issue several times. I need to know the next steps to leverage and engage a consumer lawyer.
Product: Vehicle loan or lease

In late XXXX XXXX XXXX  after login in on my Carvana account I noticed that XXXX vehicle was not appearing on my dashboard as if I did not own the car, even though I have documents that shows that the vehicle was signed over to me. I was able to get in contact with a representative from the executive resolution team about the issue. It was stated by the representative that there was an error on Carvana 's end and did not know how this issue happened. Days later some how the vehicle was back registered under my name without me signing any new documents/contracts agreeing to a reinstate the contract. Is it legal to reinstated a vehicle in my name without my consent to reinstate. After facing this issue I was not planning on reinstating the vehicle in my name, however it was done so without my consent to reinstate.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

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

Equifax ; XXXX  and XXXX  are failing to review and/or research any of my dispute letters that have been sent to XXXX XXXX partial account number XXXX ; XXXX partial account number XXXX and XXXX/XXXX  partial account number XXXX. Equifax is failing to review and/or research any of my dispute letters that have been sent out to XXXX XXXX XXXX partial account number XXXX. XXXX  is failing to review and/or research any of my dispute letters that have been sent to XXXX XXXX partial account number XXXX and XXXX XXXX partial account number XXXX. XXXX is failing to review and/or research any of my dispute letters that have been sent to XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) My current credit report stills shows these accounts as Accounts not Dispute. I have not received any communication from the bureaus regarding the status of my dispute letters. It is very disappointing that the bureaus are not taking the time to actually research the issues outlined in my dispute letters and as a result of this lack of due diligence, negative items from the bureaus still continue to appear on my credit report. Pursuant to the F.C.R.A. 
You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. 
I respectfully request that the ( 3 ) bureaus review and update my credit report to display correct information. I have contacted the bureaus to fix this however, I have not been successful.
Product: Debt collection

XXXX XXXX XXXX claims I owe an amount of {$190.00} to Wells Fargo, this amount represents closing balance in checking account ending XXXX. As explained in prior CFPB complaint, this account was opened by Wells Fargo, not myself, was not authorized. The account was used, had little activity including a debit card purchase from XXXX, item purchased was lost/stolen, sebt via XXXX  wirh a forged signature. Wells Fargo accepts forgery as true and correct, reversed temporary credit in amount of XXXX XXXX XXXX referred account back to Wells Fargo , advised they would reach out in re, have not heard back.
Product: Debt collection

Dunlap Gardiner LLP has violated my rights as a federally protected consumer. Dunlap Gardiner is in violation of 15 usc 1692. I have outlined their violations in the attached documentation. I am. invoking my specified remedy as a federally protected consumer I am demanding a deletion /dismissal, and monetary compensation for each violation Pursuant to 15 USC 1692k. And garnished funds returned
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2017 Flagship Credit Acceptance made an unauthorized inquiry on my credit report without my consent. I have contacted them on numerous occasions by mail and phone to remove the inquiry to no success.