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

I, XXXX XXXX XXXX, am writing to address significant concerns related to potential violations of the Fair Credit Reporting Act ( FCRA ) by consumer reporting agencies, namely XXXX, XXXX, and Equifax, as well as the financial institution, XXXX XXXX XXXX. 

Citing 15 USC 1681 section 602a, it is emphasized that consumer reporting agencies bear the responsibility of exercising their duties with fairness, impartiality, and a profound respect for the consumer 's right to privacy. Simultaneously, 15 USC 6801 establishes Congress 's policy, stipulating that financial institutions, including XXXX XXXX XXXX, are obligated to affirmatively and continually respect the privacy of consumers and safeguard the security and confidentiality of nonpublic personal information. 
Referring to 15 USC 1681 section 604a section 2, it is underscored that consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the consumer. As of this communication, neither XXXX XXXX XXXX nor the consumer reporting agencies, XXXX, XXXX, and Equifax, possess my explicit written consent to furnish my information. 

In light of the above, I am formally revoking any and all authorizations, whether verbal, nonverbal, written, implied, or otherwise, that may have been granted to XXXX, XXXX, Equifax, and XXXX XXXX XXXX, as per 15 USC 6802 ( b ) ( c ). Notably, XXXX XXXX XXXX failed to inform me of my right to exercise the nondisclosure option, as mandated by the same statute. 

Moreover, 15 USC 1681 ( c ) ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in a consumer report without proper authorization. The reported account constitutes an adverse item reported without my explicit permission, in violation of 15 USC 1681s-2 ( A ) ( 1 ) ( a ).

Under 15 USC 1681E, consumer reporting agencies are required to maintain reasonable procedures to avoid violations. It has come to my attention that XXXX may not be adhering to these prescribed standards. 
In accordance with 12 CFR 1016.7, I am formally exercising my right to opt out of adverse reporting services. I kindly request your immediate attention and resolution of these matters. Your prompt response to this serious concern is highly anticipated and appreciated.
Product: Checking or savings account

Navy Federal close my account XX/XX/XXXX because of suspicion of fraud.. I asked for clarification, but they were very vague on the detail details. I was also reported to some agency where I can not open up another checking account due to the fraud.
Product: Mortgage

Novad stopped responding to our emails as of XX/XX/XXXX. Our mother XXXX XXXX is now in a XXXX XXXX  as she has XXXX and needs 24 hour care. We sent NOVAD a letter via email on XX/XX/XXXX to state that XXXX would be vacating the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and moving into XXXX XXXX We initially requested a deed in lieu of transfer and submitted all documentation requested by Novad. We were told the process takes at least 90 days and not to contact them. Novad found an old lien on the property which was holding up the deed transfer process although they did not email XXXX XXXX, POA, for XXXX XXXX with any updates. We had to keep emailing to request a status. In XXXX XXXX had to apply fir XXXX as her assets ran out. We notified XXXX in XXXX that XXXX had no assets to continue to pay taxes and insurance and that if they could not clear the lien they would have to move ahead with foreclosure. XXXX denied the application and requested a letter from Novad stating that XXXX no longer had access to the home or the reverse mortgage funds. In XXXX Novad refused to send a letter and did not provide us with any status of the property. We emailed numerous times in XXXX to attempt to get a letter or move property to foreclosure XX/XX/XXXX was our last communication from Novad although we were told in XXXX by the property custodian assigned by Novad that they were no longer taking cate of the property and it was being turned over to HUD I emailed again requesting a status on the property in XXXX. No response from Novad. On XX/XX/XXXX I again emailed Novad and told them we were filing a formal complaint as they had stopped communicating to XXXX XXXX as of XX/XX/XXXX. This is unacceptable. I will attach copies of emails
Product: Credit reporting or other personal consumer reports

This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX 2. My Address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Fl XXXX Please delete all other addresses. I can not receive mail or any correspondence nor do I have access to any other address. Please delete outdated addresses and update the addresses with the ones above. 

My only Phone number is XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Fl XXXX Enclosed : Copy of State ID and Utility bill showing proof of address
Product: Credit reporting

Despite YEARS of stellar credit reports and scores, at or about XXXX for each reporting agency, I was a couple of weeks late paying XXXX credit card bill and my score dropped over XXXX points! Really, over XXXX points by each agency. This is unbelievable. I have not been late paying any bill in many many years. I was in fact in the hospital XXXX at the time this bill was due. I do not dispute that payment was late but after my very long history of cultivating exceptional credit status this XXXX point drop must be seen as excessive. In addition, I am in the middle of refinancing our house and this credit report, as it stands now, is costing me money. Please help.
Product: Debt collection

Prestige Financial : I have been dealing with Prestige for some time now. I stopped responding to them when they started calling, texting, and harassing me while I was at work. They also send emails to me with the wrong vehicle and amount listed. I was working with a lawyer with them to try to settle the debt but when I last reached out to the lawyer he has retired and a new lawyer was assigned to my case from another firm. I was never notified of this change until I recently received a garnishment notice the total balance was $ XXXX after the car was sold. After the fee, it went back up to XXXX. After receiving the wrong payoff amounts and the wrong information in the emails it became confusing on what to pay and who to believe each employee has a different amount.
Product: Bank account or service

Opened a BUSINESS checking account at US BANK in XXXX, NV and was NEVER advised that a BUSINESS checking account DOES NOT have an opt in/out option, its automatic overdraft protection. Went over by approximately {$85.00} and in 4 months was charged approximately {$380.00} in " fees ''. I agree I made XXXX mistakes, I did go over and they did send the statements. This is a NEW Business so I do n't have a lot of activity, so It 's an easy oversight as a NEW business XXXX. I feel like US Bank by NOT advising the BUSINESS their checking policies has caused me harm as they closed the account and turned me into XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX last 4 of ssn XXXX XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXXXXXX under the account number XXXX, a rental agreement at XXXX XXXX under the account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear, Equifax Re : This is not a regular dispute. Take action immediately you are in violation. 

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. 

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible. 

XXXX. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.

Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. XXXX XXXX, XX/XX/2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Product: Credit reporting or other personal consumer reports

I am filing a formal dispute against Experian regarding inaccurate and outdated information present on my credit report. As a federally protected consumer under the Fair Credit Reporting Act, I have the right to fair, accurate, and up-to-date reporting. However, my credit file currently contains incorrect personal details, including my address and employer, which I did not provide and do not recognize, or outdated. My correct address is XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, and my current employer is XXXX XXXX XXXX. I am unaware of the source of the incorrect information reflected in my report, but this false data has caused significant damage to my credit score and overall financial standing. The presence of inaccurate information raises serious concerns regarding the integrity of my credit file, and I will not tolerate continued negligence in maintaining accurate consumer records. Under the FCRA, Experian is legally required to ensure that consumer reports are accurate and free of unauthorized, outdated, or incorrect information. Therefore, I demand the immediate removal of all erroneous details from my credit report. Failure to uphold these legal obligations violates my consumer rights, and I expect immediate compliance with my request.
Product: Mortgage

My mortgage servicer was XXXX XXXX XXXX. On XXXX XXXX my new servicer became Mr. Cooper while in the middle of a refinance through XXXX XXXX XXXX XXXX. Mr. Cooper included the chase escrow amount plus principal balance in the new principal balance held by Mr. Cooper. Additionally Mr. Cooper included a {$25.00} charge for estimated payoff 7 days of interest as well as recording cost in my new principal balance that was refinanced by XXXX XXXX. Essentially Mr. Cooper increased the amount of principal debt and charged XXXX XXXX more for a loan in payoff. Is this legal? Why am I suffering for someone that wanted to buy my loan for free at my expense?
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I asked the credit Bureaus to do a reinvestigation into this XXXXXXXX XXXX XXXX account and if it wasn't 100 % accurate and verifiable, I asked for this account to be deleted from my credit report. I requested that XXXX close my account around XXXXXXXX XXXX XXXX XXXX XXXX I believe. The comment by XXXXXXXX XXXX on my credit reports now read closed at consumer 's request with XXXX late payments on Equifax. However, even though this account is closed, they continue to report new late payments and activity when that is inaccurate if this account is closed. This is a direct violation of the FCRA. I also previously asked for valid proof showing when all payments were received into the account at XXXXXXXX XXXX and if it couldn't be provided, I requested that the account be removed from my credit reports.
Product: Credit reporting or other personal consumer reports

I HAVE A LIST OF ADVERSE ITEMS THATS NEEDS TO BE REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present.

Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a 1099-C to the debtor.

Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference.

Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter. 

I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. 

Best regards, XXXX XXXX XXXX Account Information : Original Creditor : XXXX XXXX XXXX XXXX Details : {$480.00} ( 0 % paid off, balance updated on XX/XX/XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Collection Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department ( status updated in XX/XX/XXXX ) Contact Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Phone Number : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 Dept ed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Debt collection

I am in the process of going back to school. Once my credit was pulled I noticed Enhanced Recovery Corporation reported to all three credit bureaus as a collection on behalf of XXXX XXXX. I contacted Enhanced Recovery Corp on XXXX and XX/XX/XXXX, both times the representative was very rude and not helpful. She stated it is my debt and I need to just pay it. I asked to please validate the account and she stated that has already been done. I am not aware of this company. I am in Tennessee and this collection agency is not licensed in the state of Tennessee. School will be starting in XX/XX/XXXX, can someone help me resolve this issue so I may continue applying for my student loan? Reported on XX/XX/XXXX Amount {$250.00}
Product: Credit reporting or other personal consumer reports

The following companies provided business credit to a company I own, the credit was for the sole use of the business. The credit cards reported to the business profile with XXXX. The credit was open for at least XXXX years. At no point did the credit report to the personal XXXX, XXXX, XXXX profile. The credit card companies never requested for a personal guarantee on the credit cards that were open. The business is currently in default and the credit card companies are now reporting to the personal credit profile. This is in violation of my consumer rights. I am in the process of getting a Consumer rights attorney to resolve this matter.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

Transunion is apparently looking into an entry on my credit report that is usury in nature- investigation has taken over 30 days, Transunion responded to complaint -XXXX but it did not come close to addressing my issue and the investigation is still open. Please note that Transunion is the only reporting agency who has this usury account listed, the other two removed it as it is illegal
Product: Money transfer, virtual currency, or money service

The following payments were made through Zelle/XXXX XXXX to purchase concert tickets. It was an a mutual friend who's XXXX account was hacked and did not know. 
XX/XX/2023 {$200.00} XX/XX/2023 {$600.00} XX/XX/2023 {$100.00} XX/XX/2023 {$300.00} Total of {$1200.00} to a Zelle account under the name XXXX XXXX at XXXX XXXX XXXX. I filled a police report and they contacted her and she admitted to receiving the funds for a friend but would not name the friend. This is an absolute scam.
Product: Bank account or service

On XX/XX/2015, I contacted Bank of America supervisor at the XXXX XXXX Branch regarding a HOLD placed on my XXXX Business Banking Accounts, Personal Accounts, My attorney XXXX XXXX required documentation to show a judgment based on the Levy. XXXX XXXX would not provide any documentation to support the levy. 
When I requested the phone number of a supervisor of Legal Department, he stated '' It was not public information '' Bank of America refused to provide assistance on these accounts that the levy was in dispute, and refused to provide information on the validity of the court judgement or levy notification. Several insufficient fees were placed on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), Equifax must check this item ( A ). It is unacceptable to list this item as information without verifying it within the legally mandated time frame. I require an investigation, a correction, or a removal of the account on my credit report. 

XXXX XXXX XXXX
Product: Student loan

AES, the servicer of my loan has tried to bait and switch my payments so that interests continue to accrue on one of the loans. I contacted them when they started this practice and told them it was not acceptable and I wanted my payments to be allocated equally. They did this for one payment and the next payment they are back doing the same thing.