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

Second Formal Request to Opt Out and Revoke Consent Under Fair Credit Reporting Act Summary of Request to Opt Out and Denial of Rights by XXXX XXXX Background : First Request : Submitted to XXXX XXXX on XX/XX/year>. 
CFPB Request : Submitted on XX/XX/year> afte

r XXXX XXXX ignored the first request. Response : Both requests were denied and ignored by XXXX XXXX Request Summary : I formally requested to opt out of any and all sharing of my credit account, transaction, and non-public information with XXXX XXXX. My rights are protected under various laws, including the Fair Credit Reporting Act ( FCRA ) and 12 CFR 1016.7, which state : Fair Credit Reporting Act ( 15 USC 1681 Section 602 ( a ) ) : Consumer reporting agencies must exercise responsibilities with fairness, impartiality, and respect for privacy. 

15 USC 6801 : Financial institutions must respect the privacy of their customers and protect their non-public personal information. 

15 USC 1681 Section 604 ( a ) ( 2 ) : Consumer reports may only be furnished in accordance with written instructions from the consumer. 

15 USC 6802 ( b ) ( c ) : Financial institutions can not disclose non-public personal information to non-affiliated third parties without providing consumers an option to opt out. 

12 CFR 1016.7 : Consumers have the right to opt out at any time. 
Issues : - XXXX XXXX did not acknowledge or act upon my initial opt-out request submitted on XX/XX/year>. 
- Following the denial and ignoring of my first request, I escalated the matter to the CFPB on XX/XX/year>, which was also denied. 
- XXXX XXXX has not provided the required option to opt out nor protected my rights as mandated by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with Equifax. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Vehicle loan or lease

In XX/XX/2018 Hurricane Irma hit Florida and Lenders offered the Natural Disaster Relief program where three months of car payments were deferred to the end of the loan. When I called Ally to inquire about this program in XX/XX/XXXX the representative stated that I did qualify and XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX payments did not need to be made as they would be moved to the end of the car loan and that my {$430.00} payments would resume in XX/XX/XXXX. Following this conversation and a couple weeks later I began getting phone calls stating I was late with car payments all the while this arrangement was documented. Then my credit score is negatively affected because it shows I am delinquent those 3 months which obviously was an arrangement through the National Disaster Relief Program. I have contacted ALLY multiple times since mid XX/XX/XXXX to clear these issues and it has not been taken care of.
Product: Credit reporting or other personal consumer reports

I DID NOT AUTHORIZE THESE INQUIRIES WHICH APPEAR ON MY CREDIT REPORT AND THESE ACCOUNTS ARE IN VIOLATION OF 18 U.S. CODE 1028A XXXX  XXXX XXXX XXXX XXXX BANK XXXX AND XXXX  XXXX XXXX XXXX
Product: Student loan

When I started college there was little options when it came to student loans. Though I did receive a lot of financial aid I still in a lot of hardship. my mother was denied every year for the parent plus loan and I was told my the XXXX XXXX XXXX XXXX XXXX that private loans through XXXX XXXX was my best option for my needs. I was told that they would help me through XXXX XXXX and their Financial Aid office to make my loans manageable and they would only be a little higher than most. One XXXX degree later I am XXXX in student loan debt. XXXX of it is owed to XXXX XXXX. My Financial Aid officer did not even give me an exit meeting and how I was going to handle my repayment. I was left with one single option from XXXX XXXX which was their Graduated Repayment Plan. This plan is only a year of interest only payments. These payments are XXXX a month, this is more than I pay in rent. After the year is over my payments will go back to over 1200+ a month. there are no other options than deferment or the default. there is no help, even though the people are friendly, they give me no options to make sure I can continue my payments. I have 5 loans to XXXX XXXX and I can not combine them. this has put severe financial burden on me. I have gotten a job using my degree and is it no where near enough for my to afford these payments even though I make around 18hr and got this job 5 months after graduating.
Product: Debt collection

XXXX XXXX therapy is trying to collect {$40.00} as a co-pay for the days I did not seek their services. I have called the XXXX facility in XXXX MA to clear the matter twice and was told both times that the charge was an error due to rescheduling conflict. However, I kept getting bills from XXXX. Recently I received a letter from Transworld systems inc about debt collection. 
I was a poor tactic from XXXX to forward this to the debt collector, while their XXXX MA branch kept telling me that the issue is resolved.
Product: Checking or savings account

I get paid every Friday, into my Wells Fargo account. I pay my bills by bill pay on Fridays, but for some reason, Wells Fargo does not send my bills out in a timely fashion ( there 's no telling when they will send the payment ), and as a result I have ended up with three overdraft fees which the bank has refused to refund.
Product: Mortgage

Had a XXXX XXXX XXXX that have been XXXX for XXXX  years. Asked SPSERVICING to put my Mortgage back on my credit report. I forwarded the discharge notice to them and was told I would have to go back into XXXX  inorder to fill out a reaffirmation to get it back on my report ( as per a customer service rep. ) Why would they want me to go backwards to go forward. Asked to speak to the XXXX  department but refused to speak to me.
Product: Credit reporting or other personal consumer reports

Recently a file from XXXX was removed from equifax following an investigation. Experian has refused to remove the same file and has also refused to run a correct investigation on the file. They have a digital and paper copy of the XXXX file being deleted and have ignored both files each time they get them
Product: Credit reporting, credit repair services, or other personal consumer reports

I am exercising my right under the Fair Credit Reporting Act Under section 15 U.S. Code 1681b - Permissible purposes of consumer reports Account name XXXX XXXX XXXX Account number- XXXX Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a con- sumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a sub- poena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instruc- tions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in con- nection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an ac- count of, the consumer ; or ( B ) intends to use the information for em- ployment purposes ; or ( C ) intends to use the information in con- nection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in con- nection with a determination of the consum- ers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants fi- nancial responsibility or status ; or ( E ) intends to use the information, as a po- tential investor or servicer, or current in- surer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit ob- ligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business trans- action that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

( G ) executive departments and agencies in connection with the issuance of government- sponsored individually-billed travel charge cards.

( 4 ) In response to a request by the head of a State or local child support enforcement agen- cy ( or a State or local government official au- thorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals case
Product: Checking or savings account

I was XXXX XXXX XXXX XXXX between XXXX on XX/XX/year>. My credit/debit cards, XXXX XXXX  and my cellphone ( XXXX ) were stolen from me. The criminals were able to access all of my accounts through my phone. They were able to drain all of my funds at Navy Federal Credit Union including moving money from another account to get more money out. All of my other financial accounts have considered this fraud with the exception of Navy Federal Credit Union.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information appearing on my credit report and to demand a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my previous requests, you have failed to provide verifiable proof of the alleged accuracy of the disputed account ( s ), thereby violating your obligations under FCRA 611 ( a ) and 623 ( b ). Furthermore, your continued failure to properly investigate and correct these inaccuracies constitutes a breach of FCRA 617, which imposes liability for noncompliance.

Legal Precedents and Monetary Liabilities for Noncompliance Your failure to properly investigate and correct inaccurate reporting is not only a violation of federal law but has also resulted in substantial legal liability for credit reporting agencies ( CRAs ) and data furnishers in numerous cases. Below are examples of cases where courts have held CRAs and data furnishers liable for FCRA violations, resulting in significant monetary damages : XXXX. XXXX XXXX TransUnion LLC, XXXX XXXX XXXX XXXX ( XXXX ) The U.S. Supreme Court upheld a class-action lawsuit against TransUnion for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {$60.00} XXXX in damages. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 
5. CFPB Enforcement Action against TransUnion ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined TransUnion {$3.00} XXXX for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. 
These cases illustrate that CRAs and data furnishers who fail to adhere to FCRA regulations can and will be held accountable through legal action and financial penalties. Your refusal to provide verifiable proof of the accuracy of the reported account ( s ) places you in direct violation of your statutory obligations and exposes you to potential legal consequences. Pursuant to FCRA 611 ( a ), I demand that you immediately conduct a thorough and reasonable reinvestigation of the following account ( XXXX ) : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am facing a distressing situation of identity theft with unauthorized accounts, notably a charge-off linked to XXXX on my XXXX credit report. I want to emphasize my lack of involvement in any transactions with this company. Despite persistent efforts, no conclusive evidence validating this account has been provided. Furthermore, XXXX appears to disregard my concerns despite disputes and a detailed police report. The XXXX XXXX XXXX exacerbates the situation, resulting in more fraudulent accounts opened in my name. Additionally, Reliant Capital Solution pursues a debt related to the XXXX account , which I do not owe. I have attached requested documents, including a police report and FTC report highlighting fraudulent accounts, after initially providing them.
Product: Checking or savings account

I made a mobile check deposit, CitiBank locked my out of my account. They said it was fraud. Now I have no access to my other funds or the check funds. Made deposit on XX/XX/scrub>XXXX
Product: Credit card

Portfolio Recovery calls me every day from different numbers trying to collect on a debt from 2007 that was cleared by the credit card company. There is nothing on my credit report and I want for them to stop calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX FOR OVER A YEAR NOW HAS BEEN REPORTING ON MY CREDIT REPORT. FILED COMPLAINT IN WRITING AS WELL ONLINE AND HAS NOT RECEIVED ANY VALIDATION ON DEBT REPORTING. THIS DEBT CONTINUES TO BE REMOVED FROM XXXX/XXXX/ XXXX   THAN REPORTED AGAIN SHOWING MORE THAN ONE OF THE SAME ACCOUNT XXXX XXXX XXXX   HAS NOT SHOW LICENSE NUMBER NOR INFORMATION FOR COLLECTING IN MY STATE
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX  XXXX Balance : {$31000.00}, XXXX XXXX XXXX Balance : {$1700.00}, XXXX XXXX XXXXXXXX Balance : {$5300.00}, XXXX XXXX XXXXXXXX Balance : {$6000.00}, XXXX XXXXXXXX Balance : {$31000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have my mortgage with XXXX Bank and have always made on-time payments. However, the last 2 months, they have incorrectly reported to the 3 credit bureaus that my mortgage balance has gone UP ( it has not ). I have tried disputing with XXXX multiple times and they are not helping me, they keep reporting incorrect information that has hurt my scores. On XX/XX/2022, they reported that my mortgage balance went up by {$940.00} ( to {$170000.00} ) when it actually should have gone down to {$170000.00}. This decreased my credit score by 1 point. I called the bank to dispute this information and disputed with the 3 credit bureaus. It was briefly corrected until XXXX. On XX/XX/2022, they again incorrectly reported my mortgage balance as going up to {$170000.00}, when it was actually at {$170000.00}. I called Monday XX/XX/XXXX and XXXX refused to open another dispute, saying my original dispute was declined. This time, my credit score dropped again by 4 points due to these reporting errors. They are refusing to help me or correct the issue. I keep disputing, and they keep reporting the wrong information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX late open XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX. 
Dob- XX/XX/XXXX Last 4 ss- XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX Tx, XXXX I XXXX XXXX am writing to dispute the following unauthorized Inquiries that are listed in my credit report. 
I do not recognize nor have I done business with any of the accounts listed below and Im requesting that all inquiries listed below be immediately removed. 

XXXX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX  Inquiry date : XX/XX/XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent Trans World Systems account on my credit. This account is not mine and I am requesting the deletion of this account from my credit. Please remove it ASAP as it doesnt belong to me.
Product: Bank account or service

I have a business account with Citibank that serves as petty cash account, with less than XXXX transactions a month, and with a minimum balance. Citibank insists to charge {$17.00} a month as a maintenance fee unless I have a {$5000.00} minimum balance. 
i consider that fee abusive but Citibank does not offer any other business product to meet my needs, so they should waive the fees.
Product: Checking or savings account

Over the past year and a half, MANY fraudulent transactions- through XXXX XXXX XXXX XXXX XXXX XXXX, some sports book charges- have been sent out from my bank account at JP Morgan Chase . I have called Chase NUMEROUS times to dispute and complain about these things happening on my account. ( Someone actually told me recently that there were 22 disputes on my account, although I believe that there have been more ) Many times, I have been told that the case will be taken to someone higher and I will hear back from Chase, but I never did. This could possibly be a case of Identity Theft, but Chase never seemed to take any steps toward solving out the problem. In XXXX of 2022, I also completely closed down my Chase account and opened a new one, but these transactions STILL continued to occur. It's just shocking that not one member from Chase seemed fazed by the amount of false charges and disputes that I had made. 
Often, within a day of getting paid from work, money would be sent out to accounts that I do not know. I would call to open a dispute against these transactions, then the temporary credit would be placed in my account, but then money would get sent again almost as soon as the money was put back into my account. 
NO ONE at Chase has been helpful through this entire process and I am tired of losing ALL of my money. Something needs to be done.
Product: Debt collection

This account was originally set up for and on behalf of XXXX and XXXX XXXX, my parents. I made a few payments on the Loan on my fathers behalf after my mother passed away in XXXX. However, I was never the owner of the vehicle. I did not enter into any contracts with Santander Consumer USA on my own behalf or as a guarantor for any other person. As such, the Account does not belong to me, has never belonged to me, and should not be reported on my credit report. 
On XX/XX/XXXX, my attorney submitted a request for validation and subsequent deletion of the account, to which Santander replied via letter dated XX/XX/XXXX that they needed more information to validate and verify. I had my attorney prepare an additional letter, dated XX/XX/XXXX, providing the information requested and again requesting the validation and deletion of the incorrect information from my credit report. Copies of all correspondence along with delivery receipts of such correspondence are attached hereto. 
As of the date of this complaint, Santander Consumer USA has not responded nor provided the required validation of the Account. Santander Consumer USAs continued reporting of this account on my credit report despite their refusal and inability to validate and verify the account is in direct violation of the FCRA. As such, I am filing this fraud complaint against Santander Consumer USA.