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

XXXX bank, XXXX XXXX, XXXX Bank, Bank XXXX XXXX, XXXX XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Truist XXXX XXXX and XXXXXXXX XXXX  has taken several hard inquires out on all XXXX of my credit reports that were unauthorized. On top of that, they did not follow the fraud alerts on all XXXX of my credit reports and call me to verify it was me asking for credit. Any hard inquires that were taken out on my credit report from XXXX of 2023 to current date are fraud/identity theft. I have called you several times and I'm transferred XXXX times
Product: Debt collection

while i was checking my credit score i found my score went down from XXXX to XXXX then i checked everything i found account from remex inc for debt collection {$75.00} i did not know for who i called them they did not give me enough information but they told me its from XXXX hospital, but that is wrong i have complaint against hospital for {$1200.00} and the hospital did not send me any statment for $ XXXXand also remex collection agency did send me any notice about that how they give themselves the right to report me and destory my credit becuse i complaint fraud XXXX hospital
Product: Mortgage

Please refer to all attached documents for details. A letter was received by me from XXXX XXXX informing me my loan with Mr. Cooper was sold to them. A second letter from Mr.Cooper dba Nationstar Mortgage has notified me that they have transferred the servicing of my mortgage loan to XXXX XXXX. I feel this is discriminatory against consumers with low mortgage balances because when I called a representative at Mr.Cooper and requested that my loan not be transferred to another servicer, I was told unless I refinanced my loan they would not honor my request. Requiring me to refinance my loan as a condition of keeping Mr. Cooper as my servicer is I feel illegal and prejudiced based on my status as a senior and retired. This practice on the part of Mr. Cooper is not doable or practical given my age and situation. My remaining mortgage balance is {$18000.00} as of XX/XX/XXXX and will be paid off in less than 2 years. 
I have always been current on my mortgage loan with Mr. Cooper and my goal is to pay off the loan in about one year as I plan to add additional funds to the principal remaining balance of {$18000.00}. I am requesting that Mr. Cooper reconsider and cancel any transfer to XXXX XXXX for my mortgage loan because this is biased and unfair. Putting me into a position of unnecessary and undue stress with XXXX XXXX is placing me with a company who has numerous complaints with a poor track record on many issues from countless consumers on the internet. Due to runarounds and servicing incompetency of XXXX, they have pushed many consumers to foreclosure causing what others have written as a living nightmare. Numerous violations as well as lawsuits including citing by CFPB and the XXXX XXXX XXXX are documented on the internet. 
My payment for XXXX is now due and I intend to send that payment to Mr. Cooper as I have done in the past. If Mr. Cooper cancels my payment as stated in their letter to me, I should not incur any late fees as this was not my choice. Mr. Cooper states to just send payment to a PO Box with no coupon or letter or anything. Again if CFPB researches others who have complained about XXXX, it indicates lost payments, fees of all kinds, total disorganization, non resolution of numerous issues, etc is typical when loans are transferred. No correspondence has been received from XXXX to date which is further evidence of their lack of competent consumer servicing. I do not wish to be part of their nightmare business and since I have so little time left to pay off my loan, I am requesting Mr. Cooper to continue servicing my loan. Thank you.
Product: Payday loan, title loan, or personal loan

I received a payday/installment loan from Big Picture Loans on XXXX18 in the amount of {$1500.00} ; which was instantly deposited into my checking account. I was not able to fully and completely review The Truth in Lending Disclosures until after acceptance of the loan- BIG mistake. It showed an APR of 474.8487 % ; and the total amount due for the original {$1500.00} loan would total {$7800.00}. I have contacted the company several times to discuss not being able to make these payments and about the extraordinary high APR fees. One representative told me that they will " defer '' a payment for me in order to " catch back up '' ; but that would also incur interest on a daily basis on the total amount due. Another time I spoke with a representative and discussed not being able to pay any further payments and I was told/threatened that if I stopped the automatic payments from being taken from my checking account then they will issue a " remote check '' to withdrawal the entire amount owed. I have made the following payments of {$300.00} : XXXX18, XXXX-18, XXXX-18, XXXX-XXXX-18, XXXX18, XXXX18 for a total of {$1800.00}. I have paid more than what was originally borrowed. I am financially no longer able to sustain these payments and have tried working with Big Picture Loans to no avail- all they have done is postponed payments, adding additional interest to an amount I already can not pay. If you can assist with having this account closed with Big Picture Loans- I will greatly appreciate it. I would just like this account to be closed and considered paid in full and no further withdrawals from my checking account. Thank you so much for your assistance. 
Big Picture Loans contact info : XXXX XXXX XXXX XXXX, MI XXXX XXXX
Product: Payday loan, title loan, or personal loan

2012 applied for XXXX XXXX XXXX WELLS FARGO obtained XXXX personalnloans in my name first a XXXX personal loan and then a XXXX personal loan the WELLS FARGO XXXX XXXX employee KEPT the $ from the XXXX personal loans and NEVER MADE XXXX PAYMENT these illegal loans brought my credit score from XXXX down to XXXX. 
WELLS FARGO was caught by the XXXX and apoligized in a phone call and then redacted the 'loans '!! XXXX  WHERE IS THE MONEY?? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XXXX XXXX, 2012, while I was at work, I, XXXX XXXX XXXX, was forced out of my home for the second time ; by which XXXX, XXXX XXXX and its affiliates committed fraud upon the court, coercion, racketeering, conversion, XXXX, wrongful eviction, trespassing, breaking and entering, fraud, constructive fraud, etc., with the motive to cover up all loose ends of this mortgage transaction by confiscating all of my belongings in order to dispose of any incriminating evidence that chronicled my dealings with XXXX that could possible yield to any potential wrong doing on their behalf. Since XXXX fraudulently achieved a favorable foreclosure decision on the merit of abandonment, it is plausible to believe that the motive for why XXXX needed to confiscate all my belongings without returning them is due in part that XXXX could not turn around and request the courts to issue an eviction notice when it was XXXX 's sworn testimony in court that my residence was deemed " abandoned '' by their preservation team XXXX! 

With that being said, all evidence clearly indicates how XXXX only sole purpose for contracting XXXX 's was for them to diminish and/or eliminate any potential defense against mortgage fraud with the perceived notion that once XXXX was successful in empting out my home I would be without a justifiable defense to refute any mortgage documentation presented by XXXX XXXX as being authentic. As a result, U.S. Bank, via my initial complaint with them, took the liberty to either replace my mortgage loan documents or alter them with fraudulent ones of their own [ XXXX ]. Nevertheless, when I filed former complaint ( s ) against the closing agent/notary-XXXX, along with complaint ( s ) against XXXX Fargo/Wachovia-who originated this loan-they confirmed via their response ( s ) that the documents presented by XXXX XXXX were not documents prepared or presented for me to view and sign for at closing [ XXXX ]. Nevertheless, it is XXXX who is proclaiming that there was no wrong doing committed on their behalf ; therefore, all documentation they presented via the CFPB was a part of my " original '' closing packet that was packaged and sold to them by Wells-Fargo/Wachovia. 

With that being said, I request for Wells-Fargo/Wachovia, via the CFPB, to explain to me in detail why a ) did Wells-Fargo/Wachovia intentionally and maliciously commit fraud by fabricating my loan documents with fraudulent signatures ; and b ) if XXXX XXXX proclaims that they did not commit fraud by forging my signatures to mortgage documents for Wells-Fargo/Wachovia to explain in detail the who, what, when, where of HOW XXXX XXXX came to be in possession of fraudulent mortgage documentation that can not be accounted for by the originating source ( s ) who had me to sign " all '' applicable mortgage documents at closing [ XXXX ] that now contradicts documentation XXXX XXXX presented as being a part of my " original '' loan packet!
Product: Credit reporting, credit repair services, or other personal consumer reports

Public Record Chapter XXXX does not belong to me. I have disputed this with all 3 credit reporting agency XXXX, Equifax and XXXX several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unauthorized information on my credit report. To this day over 60 days later I have not received a response yet. I feel as if I'm being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate the items within 30 days gives reason to immediately remove those items from my credit report. Again it has been over 60 days which means those items should be deleted promptly. I demand these items be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach that occured, and there is just cause my information may have gotten into the hands of the wrong person to which I have filed a police report.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation to disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several payments on my XXXX and XXXX accounts reporting as late though I have never paid late. Report states that I am 90 days late when there are no late payments prior to that? I have attached all bank transactions and statements that belong to this company that would prove my payments were not made late as inaccurately being reported therefore these late payments are unverified and need to be removed immediately Last verified date for XXXX shows XX/XX/2017. 

I have attached a no delinquency letter obtained from XXXX website as well as payment history from XXXX.
Product: Debt collection

I do n't see my exact issue listed but I have yet to be contacted regarding a " medical debt ' that this company is supposedly trying to collect. The only way I know about this 'debt at all is through a credit alert I recvd on XXXX via XXXX XXXX. Upon checking into it I discovered XXXX for XXXX XXXX XXXX XXXX had just been turned over for collections and this agency had reported that to both XXXX and XXXX. Thing is- the date of service was XXXX/XXXX/2011!! And despite no communication for over 5 years - they now try to collect a debt that may not even be mine! Its been so long that not even the hospital can tell me what the charge represents nor can Central Finance- but they wasted no time reporting to credit bureaus. I 've lodged disputes with credit bureaus but nothing is going on. Can you help??
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the information reported in my credit file. After thoroughly reviewing my credit report, I have identified inaccuracies that I believe are a result of negligence and non-compliance with the requirements outlined under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o regarding civil liability for negligence. 

Disputed Information : XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXXXXXX acct # XXXX XXXX XXXX XXXX acct # XXXX The items in question have been reported inaccurately, and despite my best efforts to resolve this matter through previous communication with your agency, the necessary corrections have not been made. Under Section 1681o of the FCRA, I am entitled to request a proper investigation and correction of inaccurate information. Moreover, I believe that your failure to fulfill your obligations under the FCRA constitutes negligence, which exposes your organization to civil liability for any damages resulting from the errors in my report. 

According to FCRA Section 1681o, any person who negligently fails to comply with any requirement of the Act can be held liable for actual damages, and I am requesting the following : Immediate investigation and correction of the disputed items. 
A written explanation of the actions you have taken to resolve this issue. 
Compensation for any damages incurred due to this negligent reporting, should the inaccuracies not be resolved in a timely manner. 
I expect that you will take the necessary steps to investigate this dispute and correct any errors in accordance with the FCRA. Please provide me with a written response to this matter within 30 days from the date of this letter. 

If you fail to resolve this issue within the prescribed time or continue to report inaccurate information, I will have no choice but to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking legal remedies under FCRA Section 1681o. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
.I 've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... 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 Postal Inspection Service, 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. ) The report included this language but TransUnion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially, and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on these accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on these accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
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: Money transfer, virtual currency, or money service

discover bank did a wire transfer from my savings account for XXXX dollars. I contacted the bank and XXXX  reporting the theft. discover bank has not gotten back to me with any report on trying to rescue the money that was sent. It has been over seven months the money was taken from saving account XXXX after the theft was reported my saving account number was changed. the federal ttracking number of the money was told by discover to be XXXX For seven months I can't get an answer out of discover bank. XXXX and I keep calling and they keep trying to get a supervisor on the phone and nothing happens. The theft was reported to XXXX XXXX police. the month was sent to a XXXX XXXX  bank account. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

**Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXX, IA XXXX **Subject : Opting Out of Credit Reporting and Violations of the Fair Credit Reporting Act and the Privacy Act of 1974** **Account : XXXX XXXX To whom it may concern, I am writing to formally opt out of any credit reporting on my consumer credit reports and to address violations of my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and the Privacy Act of 1974 ( 5 USC 552a ).

As a federally protected consumer, I assert my right to privacy as outlined in the FCRA, 15 USC 1681a, and invoke my right to opt out of any reporting on my credit reports. Reporting my transaction history without my explicit consent is illegal and violates my rights under the FCRA.

According to 15 USC 1681b, I have never given written authorization to report personal information on my credit reports. Furthermore, P.L. 90-321 ( 82 Stat. 146 ) specifies that any agency can only access my report in response to a request by the head of a state or local child support enforcement agency.

In addition, 15 USC 1681c states that no consumer reporting agency may make any consumer report containing adverse items of information other than records of convictions of crimes older than seven years. Any derogatory mark on my report is a violation of this section.

According to 15 USC 1681n, civil liability for willful noncompliance allows for damages of not less than {$100.00} and not more than {$1000.00} per violation. I can prove willful violations and am entitled to compensation.

The Privacy Act of 1974 ( 5 USC 552a ), subsection ( b ), states that no agency shall disclose any record without prior written consent. I have never authorized such disclosures.

Per 12 CFR 1016.1 ( Regulation P ), I have the right to opt out of disclosures to nonaffiliated third parties. Companies must provide a privacy notice and comply with opt-out requests promptly, as per 12 CFR 1016.4 and 1016.7. I have not been given the opportunity to opt out of any reporting. Additionally, 15 USC 6802 requires opt-out notices for any information added to my consumer reports. 
Given these violations, I request the removal and deletion of the XXXX XXXX account reporting on my credit reports. This is an opt-out notice and removal request, not a validation or verification of debt. 
Thank you for your prompt attention to this matter.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report 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 or other personal consumer reports

I am writing to formally dispute accounts and inquiries reflected on my consumer credit report, as referenced below, which I believe are the result of a data breach or fraudulent activity. I request verifiable proof, including my signature or electronic signature, to confirm the validity of these actions. This letter is being sent directly by me, not a third party, and I kindly ask for your thorough attention. I did not authorize these actions, which constitute a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, they breach Section 605B [ 15 U.S.C. 1681c-2 ], which mandates the blocking of information
stemming from a data breach or fraud, as well as Section 604 [ 15 U.S.C. 1681b ], which defines the permissible purposes of consumer reports.

I have already contacted the companies involved and confirmed that these actions were undertaken without proper validation or original proof from the reporting entities. Since I did not authorize these accounts or inquiries, they are inaccurate and appear to result from a data breach or unauthorized reporting of my information by creditors or third-party data furnishers. 

Thank you for your prompt attention to this matter.