23daVinci/CFPB_Complaints huggingface dataset:
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 : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Mortgage

About XXXX years ago I tried to modify with the company Ocwen Loan Servicing. They put me in varies programs and asked me for more information it took about XXXX months to tell me that I do not qualify and the principal of the house when up.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

I have sent multiples letters regarding this account with the most recent letter being XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Reporting Agency, I am writing to inform you that I recently received my credit report and found inaccurate information on it. I believe that this violates the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681 and 15 USC 1681b.

According to 15 USC 1681b ( a ) ( 2 ), consumer reporting agencies are only permitted to furnish a consumer report based on the written instructions of the consumer. As I did not provide written instructions to include the accounts listed below on my report, they should be removed. REMOVE TRANSACTION HISTORY this is not a dispute, it is written instruction. please update immediately. if there is consumer debt for XXXX XXXX XXXX, please send 1099c, it is illegaly to charge off an account and report monthly payments 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 Furthermore, as a consumer, I demand that the utilization for the above accounts be updated to 5 % or below, or alternatively, that all utilization information be deleted due to inconsistencies across the board. I would appreciate a copy of my updated consumer report once the changes have been made. 

Please be aware that if you fail to respond satisfactorily and remove the negative account information, I may take legal action against your company for FCRA violations, which includes civil liability and financial penalties.

Please note that due to my current physical situation, which is the result of a prolonged XXXX sickness, I am unable to communicate by phone. Therefore, I request that we handle this matter electronically and through email. 

Thank you for your prompt attention to this matter. 

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

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated or corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items will be repaired immediately : 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 XXXXXX/XX/2022
Product: Credit card or prepaid card

Company closed acct innactive card. Send mew card to XXXX XXXX XXXX XXXX XXXX Alabama XXXX
Product: Credit reporting or other personal consumer reports

I am writing to report and dispute inaccurate information on my credit report with Experian. On XX/XX/XXXX, I contacted Experian regarding the following incorrect information on my credit report, and as of the current date, I have not received any response from them. I am providing the details of the inaccurate information and the required corrections below : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$100.00} Issue : This account has never been late. Please correct/update this inaccurate information on my credit report. 


Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$580.00} Issue : This account does not belong to me. Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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.
Product: Debt collection

received call from number XXXX. Hung before I could answer called back. XXXX XXXX XXXX- have and numerous communication with them of the past few years attempting to collect for past phone number owner ( XXXX XXXX XXXX ). Called back this time and was notified numerous times that this was recored, all information collect was to collect a debt ... ... 
Got operator and provide operator with my home number XXXX ... asked who she was speaking to and advised her I was not supplying that information. She ( her company should know who they are attempting to contact I have had other debt companies similarly and response with the XXXX name, and when I reply that that is not me ( I have had this number over 10 years now ) they will take me off the list. operator still insist on me providing my name. I ask to speak to a supervisor. After 5 minutes she returns advises me that a supervisor is not available. I again request that then this number need to be removed from this list since she can't validate who they are attempting to contact ( or won't ) she refuses. I say that any future calls will result in a complaint being field she say that's fine we'll just call again. I responded with are you serious that you just said you would just keep calllling and she hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX You continue to violate my rights by not doing an actual investigation included is proof. 
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy had been violated. I have not given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section XXXX of this title. 

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 

Name : XXXX XXXX XXXX XXXX : EMPLOYER : XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Collections : XXXXXXXX XXXX  Account Number : XXXX XXXX Account XXXX : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX ACCT # XXXX XXXX ACCT XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ACCT # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deleted late payments to the referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not access my equifax account or reset my password. Every time I call in to reset the password, the identity test fails. I can't get on the line with someone or get information about my account. I can't file a dispute or get access to my credit score either. 

I need help resetting my password and gaining access to my account, since the automated system is unable to confirm my identity ( despite me answering questions correctly )
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX filed a dispute with affirm. And they sent a message back saying that it will remain. 

XX/XX/XXXX filed dispute with prestige. They didnt have my permission to post on credit. Violating my consumer right to privacy. And they had no permission to repost my information. 

Lastly XXXX XXXX also had no permission to repost my information. Violating my comsumer right to privacy. I disputed This on XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX XX/XX/XXXX {$13000.00} XXXX XXXX  Date Opened XXXX, XXXX XXXX {$450.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX {$26000.00} Inquiries XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX 2023
Product: Mortgage

My mortgage was purchased by Nationstar Mortgage DBA Mr. Cooper in XX/XX/2021. After receiving instructions on how to setup my account I followed all of the instructions in the literature and was unable to actually do as instructed in what they mailed me due to their website being broken and unable to process my zip code when creating my account. I called customer care and was told to just keep trying. Finally, on XX/XX/XXXX I was able to create my online account with Mr. Cooper and upon doing so the website showed that 1 ) I was past due on my XX/XX/XXXX payment and 2 ) that my next auto-draft payment was automatically setup to occur on XX/XX/2021. As a result of the past-due status of my account and after seeing that the next pending payment was for XX/XX/XXXX, I initiated a one-time payment so as to get my account status current. On XX/XX/2021 I checked my bank account and saw that not only had they withdrawn the payment I made the previous day, but they had also withdrawn ANOTHER payment at the same time despite what their website reflected with regard to my upcoming auto-draft. I then called their customer service and after many unsuccessful attempts at navigating their automated phone tree I was able to miraculously choose the correct options to get a human on the line. The lady I spoke with then took my information and contacted the bank to initiate the refund. Despite the fact that Nationstar dba Mr. Cooper were able to instantly draft my funds from my account I was informed that I would need to wait up to 48 hours to have the funds that they took from me without my authorization to be returned to my account.
Product: Credit card or prepaid card

Cash Express withdrew {$1400.00} after my direct deposit had gone through on XX/XX/2019. I called the District Manager,  XXXX who said that there was an overpayment on XX/XX/2019. I told her I was not aware and I called the company and tried to setup an arrangement but they would not give me the {$1400.00} back. I didn't ask for the {$1400.00} to be deposited in error. I couldn't get a refund from XXXX XXXX XXXX or any of the other creditors that took the {$1400.00} when it was applied. I didn't give permission for any money to be taken from my pay card account. There were no calls stating the money was deposited in error or that there was anything owed to Cash Express. There were no letters sent fromXX/XX/2019-XX/XX/2019 to the address on record.
Product: Checking or savings account

GOVERNMENT PROGRAM to go solar- I qualified, accordigly. In XXXX - XXXX XXXX XXXX went solar with XXXX XXXX " XXXX co XXXX XXXX Mosaic XXXX XXXX co ''. The roofers ( hired by the XXXXXXXX XXXX ) broke my water faucet from my porch & wasn't fixed correctly. XXXXXXXX XXXX  team broke the water faucet again & wasn't fixed correctly. XXXXXXXX XXXX placed ground metals in the faucet pipe. XXXX from XXXX XXXX CA wasn't approving for several time until the faucet was correctly fixed. The Solar Panels finally were activated until XX/XX/XXXX. XXXXXXXX XXXX is asking me to pay {$12000.00} ( estimated ) plus my regular monthly payment amount {$150.00} no later than XX/XX/XXXX. I'm asking both companies XXXX XXXX XXXX Mosaic to communicate with each other and move the date XX/XX/XXXX to a future date due to the water faucent problem & the activation date XX/XX/XXXX. I need to file my taxes for XXXX to include the activaiton date XX/XX/XXXX & in XXXX, I will file my taxes for XXXX to continue & complete with the solar panels to be filed with the IRS. XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX ask for client XXXX XXXX with email address XXXX. Mosaic XXXX XXXX ( XXXX ) XXXX AC # XXXX Loan # XXXX XXXX. My Name is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX.
Product: Credit card

I have been dealing with an on-going fraud issue with XXXX Bank XXXX which due to their ineptitude, resulted in late payment reporting which has since been reverse. However, American Express, a company which I have never, ever had a late payment with and always pay my full balance with every month, decided that due to the credit reporting, they would lower the available balances on XXXX of my credit cards with them, a XXXX  AmEx and a Blue XXXX XXXX AmEx. Since the negative reporting has been removed, they have not reinstated the previous limits that were extended to me. This in turn, also affected my credit, because the credit usage rate went up since the available credit was reduced. 

In addition, I became aware today that AmEx is attempting to charge over {$110.00} in interest charges and a late fee on my XXXX  card, a card that I pay an annual fee of {$800.00} on, because by their systems, my payment was an hour and XXXX XXXX minutes late. I am unclear what time zone they operate under, but this is absurd by any stretch of the imagination. The payment had clearly been made by open of business the next morning. They did not suffer any hardship as a result of a payment being ( according to them ) an hour and fifty-six minutes late. I attempted to address this with their customer service team, but their team was useless and said they were unable to help. 

I want AmEx to reinstate the previous credit limits on both cards, and refund their insane and unjustified interest charges and late fee they think are acceptable to charge for a payment purportedly being an hour and XXXX XXXX minutes late.
Product: Credit reporting, credit repair services, or other personal consumer reports

My HIPPA Rights and my privacy rights have been violated and not taken seriously by XXXX XXXX, and transunion. Also, the collection companies that are involved failed to notify me 5 days it report on my consumer reports. According to 15 USC 1692g validation of debt, the collection agencies my rights were violated. Another thing is that I mailed this to them XX/XX/2021 and Its XX/XX/2021 and I have not received a letter from them and they have not issued a notice of dispute on the accounts and its well over 30 days.
Product: Bank account or service

On XXXX XXXX, 2015 I went to the ATM machine to withdraw {$500.00} and the machine never dispensed the money but after checking my balance it showed it has been taking out. I called the bank and they said that give it one day and my account will adjust it self but that never happened so I called them and was advised I needed to file a ATM dispute and it can take up to 10 days for them to investigate it and after 2 business days I called to follow up and was told my claim was denied. I told them that nothing came out and it ca n't be denied and the rep asked if I wanted to resubmit my claim, I told her yes I do. After 10 days they told me the claim was again denied and the ATM balanced. Iam not out of {$500.00} due to there ATM machine malfunction. I need help please.
Product: Debt collection

AdAstra violated the FCRA and FDCA by not VALIDATING the item in the REQUIRED timeframe. I asked for a validation of the debt, not a verification of the debt. Verification is what this company is continuing to provide and Third Party Debt collectors are subject to VALIDATION of debt. AdAstra just provides a 1 page letter with a balance due, they are not providing the documentation that I have requested to validate this debt. I requested that the debt be validated, which it never was and as a response to this validation request, I continued receiving balance statements. I repeated the investigation was never completed and the documentation requested was NEVER sent to me. I requested an initial validation of debt which included all relevant account number ( s ) as well as specific information that is compliant with a reasonable investigation. Those items were the original contract which is bilateral and this contract will contain my original signature as well as the other party original signature, proof that this debt originated from my social security number and address with proper identification and Full audit compliant accounting on the balance AdAstra is claiming due, and Proof that they are authorized to collect on this debt, is there an agreement between you and the alleged Original Creditor? This information which the company has admitted to sending ; is NOT validation compliant. Ad Astra, has yet to forward the following information, which was requested in the original request for investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was part of the Equifax and XXXX data breach. My information was compromised. I have taken the necessary steps to put a lock/freeze on my credit report to prevent this form happening again. I have several hard inquires from companies that I didn't apply for credit nor authorize them to so. I have tried to reach out to the companies along with the credit bureaus to try to get these inquires removed and have had no success. Some of these same inquires were also on my wife credit report. An have been removed from her report. This is affecting my credit score as well as my well as my ability to apply for credit now or in the future due to too many inquires. I makes me look like a high risk. Also I have to keep a certain imagine up due to certain security clearances for my job.