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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the XXXX XXXX and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Mortgage

Gregory Funding is demanding money for an escrow account because " you are delinquent in paying your taxes ''. My taxes are current until XX/XX/2020. They refuse to answer their phone, i have held up to six hours and never spoke to anyone..
Product: Credit reporting or other personal consumer reports

Sure! Heres a more general template for a credit dispute letter. You can customize it based on the specific details of your case : 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 I am writing to dispute an entry on my credit report. Upon reviewing my recent credit report, I noticed an error regarding the accounts listed. I believe this information is incorrect and should be disputed because of the ongoing investigation with certain subsidiaries. 

I kindly request that you investigate this matter and update my credit report to reflect the correct information. 

Please confirm receipt of this dispute and notify me of the results once the investigation is complete. I look forward to your prompt resolution of this issue. 

Thank you for your attention to this matter. 

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

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my report. 

Account XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX. 

The list of accounts below has violated my federally protected consumer rights. 

The Credit bureaus stated my account was properly reported and investigated but how is that possible if the open date is inaccurate, the last active is inaccurate, payment dates are not correct, and the last reporting date is not accurate. This ground for removal they also violated my rights under : 15 U.S.C 1681 section 602 A. States I have the rights 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

the errors of inquires on my credit report are fraud I didn't apply for loans it was my XXXX XXXX son who lives with me my XXXX  XXXX son doesn't know that my credit and my name and social security number and my address are my own and only for my use due to his XXXX XXXX hurting his reasoning i don't want to pursue any criminal charges or law enforcement presents in the matter because he's XXXX   XXXX hurts his reasoning he wouldn't have known that my credit and my name and social security number and my address are my own and only for my use
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my XXXX, XXXX, XXXX and other Credit Reporting Agencies that need to be removed immediately. The Fair Credit Reporting Act states that I have a right to privacy and the only way a consumer report can be furnished is with the consumers written instructions. I never gave any consumer reporting agency any written instructions to furnish my information. Also transactions and experiences between consumer and a person making the report are not supposed to be on my report as well. All of this is FEDERAL LAW, the consumer reporting agencies have violated several of my federally protected rights and I need XXXX XXXX  XXXX, CAPITAL ONE Removed from all of my consumer reports immediately as it is hurting my ability to provide for myself and my family and the consumer reporting agencies are to exercise their grave responsibilities. 

I did not authorize or consent to any transactions as the consumer.
Product: Credit card or prepaid card

This is the complaint about Citibank - their handling of sign on bonuses for opening credit card accounts. I opened Citi Premier card on XX/XX/2023 using public link and there was a sign-on bonus of XXXX ThankYou points for opening the account and completing {$4000.00} spend in 90 days. I completed these spending requirements, but didn't get the bonus within the promised timeframe. I called Citi ThankYou customer service center and was advised to email the copy of the sign-on bonus offer to XXXX. 
I am not getting any responses from that department despite several follow-up emails. 

Thank you, XXXX
Product: Mortgage

My loan was modified with XXXX XXXX XXXX and recorded with the county. XXXX XXXX XXXX sold the servicing contract to Green Tree Servicing. They unlawfully added {$3000.00} to my total loan balance under the title : 'Corporate Advance Balance ''. They further did not respect the modification terms that were concluded and signed with XXXX XXXX XXXX. They have since charged lots of unlawful charges in order to acquire that {$3000.00} charge. Now the loan has been transferred to Ditech who is essentially the same company.
Product: Debt or credit management

None of the issues was handled things still showing on credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Experian, XXXX, and XXXX has violated my rights. 15 USC 1681 Section 602 A 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. 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

I have contacted Experian and they still haven't Removed these fraudulent accounts these accounts are reappearing on my report after they have been investigated and removed last year i also have contacted Experian about these fraudulent inquires that need to be removed ASAP XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX  {$660.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection XXXX XXXX XXXXXXXX Original creditor : XXXXXXXX XXXX {$330.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number The unique number assigned by a creditor to identify your account with them. We hide several digits of the account number to protect your information from identity theft. 
XXXX Collection opened XX/XX/XXXX Account type Collection EXPERIAN XXXXXXXX XXXX Credit Bureaus Inquiry date : Credit Bureaus Inquiry date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, New Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXX XXXX  XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX  Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX XXXXXXXX XXXX All Banks - non specific Inquiry date : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Violation of the Fair Credit Reporting Act by Equifax Dear CFPB Team, I am writing to formally report a violation of the Fair Credit Reporting Act ( FCRA ) by Equifax regarding my ongoing disputes about inaccurate information on my credit report, specifically concerning an account listed as XXXXXXXX XXXX XXXX XXXX. 

Since XX/XX/year>, I have been mailing dispute letters to Equifax regarding this inaccurate account. As of XX/XX/year>, it has been over five months without resolution, despite the FCRA stipulating that credit bureaus must conduct an investigation within 30 days. Equifax has continued to stall my requests by sending me delay letters, which is unacceptable. 

Furthermore, I would like to draw attention to Section 2 of the FCRA, which states that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer. Both the financial institution involved and Equifax do not have my consent to furnish this information, nor do they possess any written consent from me. This lack of authorization raises serious concerns about the legality of the information being reported. 

I urge the CFPB to investigate this matter and hold Equifax accountable for their actions. I appreciate your attention to this serious issue and look forward to your prompt response. 

Thank you for your assistance. 

Sincerely
Product: Checking or savings account

I went to the US on a XXXXXXXX XXXX and opened an account at TD Bank. I went back to my country, closed my US phone number and left my money at TD Bank. Now they've locked me out of the account and I can not get access to it unless I go to a branch in person, which is impossible as I am from XXXX.
Product: Checking or savings account

Hi, I opened an new checking account Citibank, I deposited {$25.00} as a requirement to open new account them I deposited {$1700.00} issued by my client as I work as a caregiver for him. The next day after opening my account online, I tried to open my mobile banking and I couldnt, I called customer service and they transferred me to the fraud department, they said my check is suspected fraud and they need to verify it with the issuer of the check, ( They didnt give me a reason why they think its suspicious ) So I gave them the phone number and they said, they couldnt call the number because its not verified phone number. they said its registered to the issuer but not verified. I gave them their house phone number again and its the same it is bot verified. So I have not idea how will I give them another number. Other option is to go to the physical branch with the issuer but they dont have any branch in my state. I asked the issuer to call them using his phone number but they couldnt honor that since theyre saying the couldnt verify that on their end all the customer service is in the XXXX and they barely speak the language and doesnt have enough resources for verification. The only way I can get my money is to wait 30-60 days till they close my account and theyll issue me a check and thats not even guaranteed. The check issuer even called his bank and see if he could stop the payment but they couldnt because the money has been deposited into my account. 
I asked them my account number since I didnt get a chance to get it since they closed my account right away, they couldnt give it to me even though I gave them all my details and answered all the security questions. 
I spoke to the executive agent and gave me a case number here it is : XXXX
Product: Mortgage

XXXX Wells Fargo XXXX Wells Fargo One of  these complaints is still open, and I have written you and you have contacted Wells Fargo. 
Even though I was offered a modification by Wells Fargo for {$2700.00} monthly mortgage, and they took my money ( more than {$13000.00} ) to satisfy the 3 trial modifications payments, as explained in the previous complaint in XX/XX/2018, they sold my mortgage to ( XXXX XXXX XXXX ) XXXX who is charging even more ( {$2900.00} per month, which may be adjusted ). See attached modification offer documents from Wells Fargo and the one I received I today from XXXX. The Wells Fargo did make my mortgage more affordable and now they made it worst. {$110.00} extra per month is {$1300.00} per year or {$52000.00} over a 40-year mortgage. After giving them money from our small savings and borrowing {$4000.00} to cover the trial payments and current payment, they said I acted in bad faith because I did not provide a copy of a rental lease and other papers. After offering the trial modification, the need for the homeowner to provide more and more documents is past. So the whole acting in bad faith is a false claim and excuse to renege on the offer. It is also false advertising for the new campaign of " Wells Fargo/renew. '' I hope you will fight for me, as you have done for others who were treated unethically and criminally by Wells Fargo. I can not pay any lawyers. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is refusing to remove fraudulent information my wallet with my Identification and social security card were stolen someone has used my information to lease something I will attach my tax forms to prove I never lease anything with that company also will attach Identification IDs with precious address I already disputed this with two other credit bureau the items were removed with documentation submitted Experian is giving me a very hard time I will take legal action if they continue to advertise this information on my credit that doesnt belong to me ( fraudulent )
Product: Debt collection

On XXXX I sent a letter requesting validation of the debt owed. As well as the license number and state agency that issued the license as proof agency is a legally able to collect debts. 

The agency did respond and did not provide any proof. They did send a request for bill payment as well as an offer to settle debt. 

The debt collection agency failed to provide proof that verifies the debt as well as proof they are legally able to collect debts.
Product: Debt collection

I asked this company to send me a copy of the 1099c form that they received due to reporting my debt as a profit loss with the IRS. This company never responded and it shouldve been given to me in the first place. Theyre reporting something different on my credit report than whats on their books. I have grounds for deletion cause the debt collector collect on a debt that has been cancelled according to IRS law. I will be reporting this company to the IRS FOR SUSPENSION OF FRUAD if this account not deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I purchased a car from XXXX XXXX and only authorized them to run my credit. I did not authorize them to push it to anyone they wanted and they ran it along with the following banks : XXXX XXXX, Citizens One, XXXX XXXX and XXXX XXXX. Because of them doing this it has caused a major hit on my credit that should not have happened which caused many other things to then happen with my credit. I am trying to repair my credit but it says these hard hits will be on it for two years. I contacted the banks and they said to contact XXXX XXXX and I did that and they said it will be fine by the time I need a new car again. I have bought many cars and this has never happened before. Can you please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am a victim of identity theft and this is a ongoing situation. There are accounts listed XXXX  XXXX XXXX  XXXX XXXX and XXXX XXXX  XXXX that are not mine or paid and needs to be removed. Many letters to the companies and credit reporting agencies were mailed to advise them of this. There seems to be a confusion on the account being association to me and I do not take responsibility for something that is not mine. I have contacted through " certified mail '' XXXX  XXXX XXXX  XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX, XXXX, and Transunion many times. So tell me what gives this company the right to report false information? By reporting anything I say is false on my credit file is a violation to federal law.
Product: Credit card

Greetings, The attached documents provide all relevant details in a formal legal format. The document contains supplementary documents to further support my claim. 
Thank you for your time. 
Sincerely, XXXX
Product: Debt collection

XXXX of weeks ago i happened to check my credit report and i realized that it had addresses that i have never lived, several activities that i was unaware of. XXXX activity claimed i had service with XXXX and did not pay my bill, so XXXX passed on that debt to debt collector " XXXX XXXX XXXX '' amount of {$1100.00} under XXXX account number XXXX. I filled a claim with CFPB to XXXX XXXX XXXX with explanation that i had never had XXXX services and my identity was compromised. After a few days of investigation account was recalled by XXXX and closed on XXXX/XXXX/2015 agreeing that it was fraudulent account. Few days later i got a debt collection notice from " Afni XXXX '' with the same XXXX account number and amount claiming its new collection notice, i reached out to them and did n't get any help. see attached document
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported inaccuracies on my credit report. I've requested the inaccurate information to be removed. The credit bureau has not provided any verified or factual information to me as to why the inaccurate information is remaining on my credit report. 

XXXX  XXXX  XXXX : Account # XXXX Inaccurate information reported. This account should be removed from my report. 

XXXX : Account # : XXXX Inaccurate information reported. This account should be removed from my report. 

XXXX XXXX XXXX : Account # : XXXX Inaccurate information reported. This account should be removed from my report. 

XXXX XXXX XXXX XXXX : Account # : XXXX Inaccurate information reported. This account was paid in full and voluntarily closed by me. It was not late.
Product: Payday loan, title loan, personal loan, or advance loan

Solar Mosaic failed to do their due diligence to verify that the solar contractor finished the work prior to issuing them the funds for my solar project completion. When the XXXXontractor became unresponsive, I notified Solar Mosaic and they contracted XXXX to assist me with completing the project. However, months have passed without any progress. I have called Mosaic several times to request a pause on the loan or to be issued credit for what I have paid on the loan since the solar panels are not installed and working. However, none of the representatives have been helpful and they argue that I have to continue paying the loan or it will affect my credit. This is considered extortion. There was a breach of contract from the moment the contractor lost their XXXX license. Solar Mosaic did not reach out to me to find out how the remediation process has been going until I filed a complaint with the XXXX XXXX XXXX. I was supposed to receive a call from their billing department in regard to the credit, but I have not heard from them. 

I have done my research and Solar Mosaic should have obtained a compliance and completion inspection form prior to issuing the funds to the contractor. The contractor advised Mosaic of the project completion, and Mosaic should have verified it. If they did, I would not be in this situation. Solar Mosaic has been operating since XXXX  and issuing loans for solar projects so it is concerning to find out that they do not take the proper steps before issuing funds to contractors and verifying the contractors ' legality to protect the customer and the investment. I have also found several complaints about similar situations with Solar Mosaic. They are unreliable and unethical like the companies they work with. Paying for a service that I am not getting is a huge financial burden and I extremely frustrated with Solar Mosaic because they only care about making a profit and do not have the customers ' best interests in mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit reports, there is a closed/charged-off account on my credit report with XXXX XXXX  that has a debt of {$140.00}. I contacted XXXX XXXX on XX/XX/XXXX with the information provided on the report and they have no record of me having an account with them. They used both my social security number and the account listed on the credit reports, but was were able to located me as a customer or the account. I then submitted a dispute with XXXX onXX/XX/XXXX for  the account, stating that the account does not belong to me. The account has not been removed my credit report.