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

Subject : Unauthorized Credit Reporting and Demand for Immediate Resolution Violation of Federal and Texas Laws Dear NAVY FCU, I am writing to formally address a clear violation regarding the unauthorized reporting of information to my credit report, as defined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), 1681s-2 ( a ), and the Texas Finance Code under Sections 392.301 and 392.305, as well as Texas Penal Code Section 32.51 , which pertains to identity fraud.

It has come to my attention that NAVY FCU has engaged in the unauthorized reporting of information to my credit report without my explicit consent. As mandated by federal law under FCRA Section 1681b ( a ) ( 2 ), consumer consent is a legal prerequisite for such activities.

Furthermore, Texas law under Section 392.301 of the Texas Finance Code prohibits the reporting of consumer credit information without proper consent. Additionally, Section 392.305 provides specific regulations to ensure fair and accurate credit reporting practices. Texas Penal Code Section 32.51, which addresses identity fraud, further highlights the serious legal consequences of unauthorized access and use of personal information. 

I have not provided consent for NAVY FCU to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights under both federal and state law, potentially causing harm to my credit and reflecting a blatant disregard for the legal protections afforded to consumers. 

I hereby demand that NAVY FCU immediately cease all unauthorized reporting of information to my credit report, as required by FCRA Section 1681b ( a ) ( 2 ) and the relevant provisions of the Texas Finance Code ( Sections 392.301 and 392.305 ). If this issue is not resolved within 30 days, it will be considered a willful violation of the law, subject to penalties, including those outlined under Texas Penal Code Section 32.51 for identity fraud. 

Obtaining consumer consent is not optional ; it is a legal obligation. I expect immediate action to rectify this situation and bring NAVY FCU into compliance with both federal and Texas state laws, which protect consumers from unauthorized and damaging credit reporting practices. 

This notice is given in good faith with the expectation that NAVY FCU will swiftly correct these violations and respect my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair Credit reporting act XXXX account # XXXX, has violated my rights 15 u.s.c. 1681section 602 A. States that I have the right to privacy. 15 u.s.c. Section 604 A section 2 It also states a consumer reporting agency Can not furnish A account without my written instructions XXXX XXXX, us department of education
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

in 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 ( XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent are fraud. Please delete the accounts : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  XXXX
Product: Checking or savings account

last month before XX/XX/20 I went to boa bank in XXXX location. 
I try to save my money in CD. Cuz now the interest is rate is pretty good. 
The banker name XXXX was helping me I told her I want to save my money in CD She told me theres other CD I can get which rate is higher than original CD. I trust her I said sure. Lets do it. she said I need to transfer money to an app. I start doubt it. I asked is this investment? Is it like stock I need to buy? Is it a risk? Is it more tax than original CD? 
Anyhow she said no. Its a CD and no risk and its not stock. 
I believe most banker are nice and will not lie to me So I trust what she said transfer my money to the app and follow her step and bought the CD her mentioned After a week I opened XXXX XXXX XXXX I see my money is dropping the price. I noticed thats not a CD. Its an investment. I couldnt sleep in few days and went back to XXXX. I asked her if this is normal? Her attitude was totally different and said oh my next client is coming. I said I just need 30 sec you anwser my question. She said oh I told you it is investment and dont worry its no risk. 
I felt scammed and betrayed and I am really uncomfortable with this situation
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate data from XXXX XXXX XXXX XXXX. I do not owe this collection agency and sent a debt validation letter to Equifax, XXXX and XXXX. XXXX and XXXX have removed the collection reported however, Equifax has not. Thus, I am filing a complaint for immediate removal of this inaccurately reported collection.
Product: Checking or savings account

This company sent me a letter stating that they couldn't open a bank account due to information below. When I contacted the company they have yet to send me a report.
Product: Credit reporting, credit repair services, or other personal consumer reports

have contacted trans union on multiple occasions with the last person i talked to was named XXXX and the issue on the acct with XXXX XXXX XXXX ending in XXXX was not changed to show paid acct with no charge off status past or present and no late payments. the acct was closed and paid in full as of XX/XX/2017. i have sent all documentation to the many times but they will not follow federal law and correct the info. they are in non compliance of law. the info sent is attached
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22, I found 3 items on my credit report that do not belong to me. Any information from my credit report that I inform you is a result of identity theft, must be removed within 4 days of you being notified. You can not furnish any account on my credit file without my written consent. I never gave you written consent. I have suffered a lot of XXXX  and financial distress due to the deceptive practices XXXX XXXX XXXX, XXXX XXXX, AND XXXX XXXX, XXXX, Transunion, XXXX, XXXX, LCI, and any other place my information was illegally sold to. It has been nearly 2 months and yet, these items still remain on my credit file.
Product: Mortgage

I found out my mortgage company XXXX XXXX was changed on XX/XX/XXXX from the new company, Mr Cooper. The letter said that the change was effective XX/XX/XXXX, but that there would be changes to my mortgage except where t make payments. 
No other information was provided. 
When I tried to change back to XXXX XXXX, Mr Cooper told me the only option was to refinance. That would mean a higher rate than my current mortgage with XXXX XXXX. Then I discovered that Mr. Cooper changed my home insurance company with my permission. I trouble filing a claim with my old insurance company. After many requests, Mr Cooper finally told me that it changed my insurance company. I have objected to the change. 
I started calling for information shortly after the transfer on XX/XX/XXXX and have been complaining regularly.
Product: Mortgage

I have tried unsuccessfully to get a loan modification and a loan forebearance. I have also asked for forebearance under the CARES act, and an extension. 

I have not had any luck with the lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$760.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX XXXX XXXX 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 XXXX 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, credit repair services, or other personal consumer reports

There are a lot of hard inquiries on my credit report but the addresses dont match up. I am reporting because I suspect fraud on my account
Product: Debt collection

I received a letter stating that I owe {$290.00} from Cawley and Bergmann by XXXX XXXX XXXX XXXX. 
This was a debt that I had entered into a discharge amount of {$2100.00} in 2018. 
I was told that settled my debt and now 4 years later I get a letter stating that I still owe.
Product: Credit reporting or other personal consumer reports

Reference CFPB # XXXX and Fraud Case XXXX I faxed the required documents on XXXX and when I called again to follow up on the status on XX/XX/12 I was told it was never received. 

Attached is a copy of the confirmation and docs again. Please provide your full fraud report, investigation, and your findings. 

Also XXXX XXXX stated they would email the bank statements to XXXX but it was never received.
Product: Student loan

I am a cosigner on my daughter 's student loans. As outlined in the pending suites we have been victimized by Navient 's unfair, deceptive and predatory business practices. On numerous occasions Navient has not been helpful in trying to resolve issues and, as noted in the various government complaints, tried to steered us into more costly forbearance. There have also been instances where monies have been misapplied to loans. I have been trying to work out a plan of action to get current with Navient but have encountered resistance at each turn. I also feel i have been outright lied to concerning information on payment postings.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company refuses to delete information on my report that was aquired by a third party which goes against FCRA 611 [ 15 U.S.C 6811 ] Law
Product: Credit reporting

never received any documents to show this is a valid. This public record was deleted from my spouse 's credit report which was the same as what is on mine and on mine it has been deleted or proof of verification.
Product: Credit reporting or other personal consumer reports

I currently have 4 old accounts still reporting on my Experian Credit report and should be removed. 
1. XXXX 2. XXXX XXXX account number XXXX 3.XXXX XXXX XXXX 4. XXXX XXXX account number XXXX I have corresponded several times with Experian all these accounts are over 7 years old. I ask that they be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I really need assistance with making sure the bureaus delete this fraudulent account and it stays deleted. Last much I reviewed my credit report online as i do every month and I noticed a new account XXXX XXXX XXXX  for {$1900.00} which turned out to be a medical collection, I was immediately alarmed because I have not been to the emergency room or hospital in years nor have i visited a doctor. I called the company thinking surely they have me confused with another because I have a very common name but more alarming still it was my information! I went to the police station right away to report this fraudulent use of my information and disputed the account with all 3 credit bureaus as fraud. So far the account remains, I will attach a copy of the police report. Please help.
Product: Credit reporting

Yes it 's been awhile I been using my credit card and I always pay on time and I am always careful to not mess up my credit so recently I checked my credit score and I see its XXXX and XXXX and just like a few days ago I see it had dicreased for no valid reason now it 's XXXX and XXXX I felt really shocked and ca n't even go to sleep the whole day if u guys can solve everything out cuz I really take care of my credit and it 's been 2 years I been using it if u guys can help me out I will really appreciate it? Thank you
Product: Credit reporting or other personal consumer reports

I am submitting a second formal request to correct my credit report. In my previou dispute, submitted on XX/XX/XXXX, I have not received an adequate or satisfactory response regarding the incorrectly reported late payments. 

It is important to note that the payments in question occurred during the COVID-19 pandemic, following my job loss due to the crisis. Under the CARES Act, signed into law on XX/XX/XXXX, and extended until XX/XX/XXXX, credit reporting agencies were required to stop reporting negative information for consumers affected by the pandemic in certain circumstances. This law amended the Fair Credit Reporting Act ( FCRA ) to protect consumers like me who experienced financial hardship due to COVID-19-related job loss.

I am requesting that you review the late payments listed on my credit report during this period and update the information to Paid/Agreed for the applicable months and years. This dispute refers to the following incorrectly reported payments : XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to challenge the reporting and compliance on an account with XXXX XXXX that is being reported on my credit report with incorrect/missing info. More specifically, I am referencing the fact that you are reporting an incorrect account number following # XXXX this is indirect violation of Section 609 of the Fair Credit Reporting Act stating in Advisory Opinion to XXXX  ( XX/XX/XXXX ). " In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide " accurate '' ( and perhaps not " clear '' ) disclosure of " all information '' in the file ''. Stating that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act. Their improper procedures are highly damaging to my credit score. Please immediately delete this item.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I wrote to all 3 credit bureaus asking for their method of verification as it pertains to verifying a bankruptcy. Instead of replying to my requests within the required15 days, Equifax, XXXX and XXXX, made a decision to ignore the 15 day reply for my MOV request as well they took it upon themselves to update all my credit reports by verifying my bankruptcy and giving my public record a new updated date. I did not request a dispute on my public record, all I had asked for was their MOV. I am aware that the credit bureaus receive their information from third party companies, In XX/XX/XXXX, I placed a security freeze on all of them, including XXXX XXXX. I am quite upset that the credit bureaus lied and told me that they verified my information. How is it, that they can verify my information, if my personal file is frozen? Idid not want to give them the opportunity to change their answer or do anymore damage to my credit file for this unverifiable information. XXXX lists my public record was updatedXX/XX/XXXX, Equifax, lists my public record update as XX/XX/XXXX,  XXXX has not updated my public record, but they also have not sent me their MOV either.
Product: Debt collection

I send a copy of XXXX XXXX, XXXX credit report online today an notice a negative collection account by LVNV FUNDING, LLC., for {$110.00}. I never received any notice from this company about the alleged debt or my right to request validation.
Product: Mortgage

I tendered a payment in the form of a negotiable instrument to the CFO XXXX XXXX in the amount of {$180000.00} dated XX/XX/2023 via certified mail # XXXX received XX/XX/2023. I also remitted another negotiable instrument to their remittance department the same time I sent the first to the CFO, also did not receive acknowledgment or receipt of my payment. I followed the laws according to FL Statute Chapter 673 when tendering the negotiable instrument. I did not receive it back, receive credit to my account or received notice that my instrument was incomplete. I instructed him to write me a letter within 5 days of delivery and he failed to do so 3 times now. Pennymac has now filed a lawsuit in the courts on XX/XX/2023 despite being paid in full. I have also made a complaint to the OCC and attorney general in the state of Florida.