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

This is in reference to : XXXX XXXX XXXX XXXX Account ending in 1906 Balance due : {$4800.00} XXXX trust this message finds you well. I've been reviewing my credit report and came across some information that raised a few questions. In my exploration, I delved into the Fair Credit Reporting Act, specifically 15 USC 1681, section 602, which highlights the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I've been thinking about my rights and responsibilities in this context. According to 15 USC 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information. Digging deeper, I found 15 USC 1681, section 604, which outlines the circumstances under which a consumer reporting agency may furnish a consumer report. It explicitly mentions that they can do so only in accordance with the written instructions of the consumer to whom it relates. I want to emphasize that I haven't given any written consent for the sharing of my information, and this concerns me. Furthermore, 15 USC 6802 ( b ) ( c ) notes that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. To my knowledge, I have not been informed of such an option. I also stumbled upon 15 USC 1681c ( a ) ( 5 ), which states that no consumer reporting agency may make a consumer report containing adverse information without authorization. It appears that an adverse item is being reported without my permission, which, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, is against the law. The Act further mandates that consumer reporting agencies maintain reasonable procedures designed to avoid violations of the statute. Unfortunately, it seems that XXXX and Experian may not be following these guidelines, as indicated in 15 U.S. Code 1681e. Lastly, I discovered in 12 CFR 1016.7 that a consumer has the right to opt out of reporting services at any time. I'm choosing to exercise that right. I wanted to bring these specific sections of the Act to your attention and discuss how we can address these concerns. Your insights on this matter would be greatly appreciated. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA . Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please DELETE the item, or inaccurate information, from my file immediately & send me the results to the address XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Wells Fargo is retaliating against me for filing a complaint with your office. I complained that they have in effect stolen my Hurricane Harvey insurance proceeds by refusing to cash the check locally. They have forced me to sign the check and mail to South Carolina. They have delayed the restoration of my flooded home by 10 days. I have no check and no information on when said check will be sent to me. Today I received a " hold wells fargo harmless form '' This is EXTORTION. This document was not on any list of required documents. This only came after I filed a complaint with your office, my senators, us representation and XXXX " reclaiming my time '' XXXX on the house banking committee. Wells Fargo has indeed harmed me by hold {$53000.00} without paying me any interest and delaying necessary work on my home. I doubt I will have a contractor by the time they get around to reissuing the check. He is getting more and more jobs EVERY DAY. And I ca n't get him started on my home. I have tried to work with a " customer resolution specialist ''. They call and are so very sorry I am frustrated but they know NOTHING. They are going to look into it.
Product: Vehicle loan or lease

I took out a car loan for the purchase of a used car in XXXX of XXXX With global lending service at a very high interest rate of 24 %. I had XXXX credit at the time and that is why my interest rate is so high. I had a 100 % payment history up until until XX/XX/XXXX. I called And explained that I had been diagnosed with a XXXX  XXXX and had been Suffering tremendously from my XXXX, Having become a XXXX  XXXX XXXX  And being subsequently fired from my job for that reason. I explained that I was experiencing an undue financial hardship and requested some type of reasonable accommodation. I was told by whom I was spoke with that they would put ahold on my payments to give me more time and guaranteed me that this would not be reported to the credit bureau. Local lending services do not offer refinance they are a creditor. Someone with a 100 % payment history and who is in the process of increasing their credit score should be able to have the opportunity to refinance And have a smaller payment. Within 30 days of my 1st late payment someone reported it to the credit bureau and it has literally destroyed my credit score Which at this point is making it absolutely impossible for me to find a rental home because I am in the middle of being a evicted. I have been offered no lower monthly payments, no option to refinance, and it's, no help whatsoever. It was my understanding that under the American with disabilities act creditors are required to offer customers Who have disabilities that are preventing them from working and paying their bills on time, are reasonable accommodation. This has literally ruined my life And will most likely be the reason that I Become homeless.
Product: Credit card or prepaid card

My credit card number was compromised back in XXXX XXXX and subsequently cancelled and a new card was sent. The company has continued to allow charges from merchants who had the compromised card number to post the charges onto the new card. I have cancelled the card 4-5 times now and received new numbers, and the company is still allowing these charges to post from the old number. It is still happening, even though I do not even physically have a card anymore. I have disputed all the charges and explained to them what they are allowing to happen, but they have taken no action other than to file disputes, to which I do not have resolution. I have been paying the interest and filing disputes for 8 months at this point.
Product: Debt collection

On XX/XX/2023 at XXXX I talked to XXXX supervisor ID XXXX who advised me the collection that was reported on all three credit bureaus by CCS ( collection company ) will be removed. I made the full payment to XXXX online for the amount of {$400.00} with a debt card ending in XXXX with the confirmation of XXXX and the XXXX account with XXXX. 

The XXXX operator advised me she sent a email to the debt collector advising payment has been made directly to XXXX and to remove it from my credit report. 

My name is XXXX XXXX.
Product: Debt collection

My credit report contains accounts I believe were added fraudulently. Please address this issue and remove them immediately.
Product: Credit card

The credit card company did not give fair warning that my balance transfer intere4st free period was expiring.
Product: Credit reporting or other personal consumer reports

The accounts attached below are inaccurate. Through XXXX and experian. Including XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone is using my identity in the state of XXXX, I have already reported the fraud to the state police, IRS, S.S., and the different credit companies. All new accounts are related to this address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. I have never lived in XXXX, much less have family in that state of the nation. All these last 25 years living in the city of XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, Prosper XXXX XXXX listed a hard inquiry on my credit report that I did not make. Upon requesting removal, I was told to file a police report if I thought it was wrong. I have no loan through them and I wasn't even in their system when I called to inquire about its removal.
Product: Mortgage

Good day, My wife, XXXX XXXX, just spoke with a representative named XXXX, and asked to speak to the supervisors of XXXX XXXX, our single point of contact - XXXX and XXXX ; she also requested ANY supervisor to speak with in regards to multiple questions we have had since the first of this year and have never received return calls with answers. She was informed by XXXX that the supervisors she reached out to advised HER to handle the situation with the phone call, therefore completely dismissing our need for assistance from a higher level employee of your company. This is beyond poor practice to dismiss a customers request for additional assistance! 

Dovenmuehle Mortgage , Inc., claims to have made multiple return calls- unfortunately, the company did NOT pay attention to emails, nor multiple conversations with a multitude of representatives of this company, since the first of XXXX, when it was stated by my wife, XXXX XXXX, that you must call back on the XXXX phone number or the XXXX phone numbers that were provided to this company, and that the company has on file, AND that you must leave a message as my wife is not often right beside either phone, due to the nature of her business. Dovenmuehle Mortgage , Inc., COMPLETELY ignored this directive, that was expressed to the company multiple times, therefore, the company has been calling a number that is a valid number, but does NOT receive voice mails. 

We have questions that need answers ; we need help ; we are trying to enter into a loss mitigation package with Dovenmuehle, so that we can stay in our home, and the company has not done anything to help us! The companys representatives were notified of what specific number to call back, yet nobody at the company utilized that information to assist us. Today, the representative, XXXX, actually went in the system to change the primary contact phone number- NOT ONCE in the last 9 months has ANYONE at your company bothered to do so! We did our part ; we gave Dovenmuehle the appropriate contact information, yet your company chose not to use it. This company did NOT do their part in assisting a customer who genuinely needs help and answers. 

Representative XXXX filed an official complaint within Dovenmuehle, on our behalf, and advised that someone would be reaching out to advise on that complaint. They have been given the appropriate numbers to return the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am an authorized user on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Experian tries to trick consumers looking to freeze their credit into buying a paid service. 

Free and easy access to freezing credit as an effective means of protecting one 's financial identity should be a basic and easily-accessible service to the general public. This is a free service through Experian, but some ( maybe many ) will fall for Experian 's attempts to mislead them into buying a subscription service to freeze their credit. Both XXXX and XXXX make the process immediately obvious, very easy, and FREE. 

Additionally, I would bet many would see a price and not bother freezing their credit at all, leading to higher numbers of identity fraud/theft that could have been easily prevented. 

Extra detail on the practices : Right after creating an account, Experian pushes a subscription service page, with the " No Thanks '' button at the bottom of the page. The subscription even shows as " {$0.00} '' like it could be a Federally-mandated free service they are still 'billing ' for, but it is just for the trial. Every time you log in you see that page. 

After, on the Home Page there is a menu only for their paid XXXX lock service, and from there you can access another page. Buried down on the proceeding page is a button for their CreditLock service. ( XXXX 's free credit freeze service is called " Lock & Alert '' by the way ).

On the CreditLock page there is a big, bold UPGRADE box that looks like it is the way to freeze your credit. In the fine print below they mention that their CreditLock service is separate from a Credit Freeze. An inline link to the free credit freeze is there, and a more obvious button is way down at the bottom of this page. This tool is so buried behind misleading attempts to sell a subscription, and I tend to think that is intentional. 

It is not right to take advantage of people like this when it comes to such an important area of life, where failure to be diligent can lead to considerable consequences for an individual and more.
Product: Money transfer, virtual currency, or money service

Cash App, has allowed my account to be hacked and stripped of all funds. As apart of me contacting Cash App, I was told that I personally sent money to the hackers and that information was not true. 
As apart of this I created another Cash App account and my personal information was breached and fake accounts and pages were made under my name. As a result of that Cash App flagged my account.
Product: Credit reporting or other personal consumer reports

I TRADED IN MY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS SENT XXXX A CHECK FOR THE OUTSTANDING BALANCE AND LATE PAYMENTS ARE STILL BEING REPORTED ON MY CREDIT REPORT. I NO LONGER HAVE THIS VEHILCE AND I AM CONSTANTLY SEEING LATE PAYMENTS ON MY REPORT. THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT!!!!!
Product: Mortgage

Mortgage company not taking responsibility for late charges from taxing authority. Blaming me saying that I didnt provide the tax bill to pay it. However, they did pay half of the taxes on time, but their excuse for not paying the remainder of the taxes is because my taxes were a UDI 50/50 split with my mother and I. On there end, they dropped the ball because this fact is irrelevant because the tax bills are under the same parcel number. On XX/XX/XXXX, their agent told me initially that they took responsibility for the late fees and that they were going to adjust my escrow account to reflect this. Of course after several follow up calls from me, theyve given me several different stories to cover their mistake to justify not reimbursing my escrow account. My last two phone calls on XX/XX/XXXX & XXXX have resulted in them hanging up on me after I mentioned that I was going to file a formal complaint if they didnt adjust my account. At one point, they even said that the taxing authority wouldnt accept the payment from them and they sent me a letter telling me that. Besides the absurdity of that, they never produced the letter that they said they sent when I requested it. Ive gotten at least 5 different stories from 5 different people. When I asked to speak with someone in the escrow department, theyve basically said that that was impossible because they dont take calls. Ive only had access to customer service which of course knows nothing when I call which forces me to start from square one each time. This is just the tip of the iceberg, but Ill end with this summary from the sake of expediting this complaint
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, 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. 

merchant XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX # 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 written consent.
Product: Checking or savings account

I am writing to file a formal complaint against Navy Federal Credit Union regarding multiple overdraft fees that I have incurred. Despite having sufficient funds when transactions were authorized, I was charged overdraft fees due to delays in posting charges and credits. This issue appears to be consistent with recent CFPB findings concerning Navy Federals handling of similar transactions, where fees were applied despite initially available funds. I believe these practices are unfair and request a prompt investigation into my account transactions.
Product: Credit card

XX/XX/ I received a U.S. Bank XXXX XXXX XXXX Card in the mail ... that I did NOT request and I did NOT authorize and I did NOT complete and I did NOT submit any information towards a new debit card or credit card. I am afraid U.S. Bank has stolen and obtained my personal information and financial information to use for fraudulent purposes. It is a SCAM. I will NOT contact U.S. Bank knowing they have stolen my personal and financial information. I do NOT want their U.S. Bank XXXX XXXX XXXX XXXX. I do NOT want them to keep or use my personal and financial information. I want U.S. Bank to remove/delete/purge my information from their system.
Product: Debt collection

On XX/XX/XXXX this record by RECEIVABLE RECOVERY SE was placed on my credit report. I have not received any letters, phone calls, or emails pertaining to this account I know nothing about. I have medicare and health insurance so I know I don't have any bills with anyone. I don't know why this account was placed on my credit report. RECEIVABLE RECOVERY SE RECEIVABLE RECOVERY SE XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$300.00} XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX