23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Fair Credit Reporting Act 15 USC1681 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. '' XXXX and XXXX are consumer reporting agencies, they have gone against their grave responsibilities, I am the Consumer. I have the right to make sure my private information isn't shared 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 financial institution and the Consumer reporting agencies XXXX 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 XXXX, 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. 

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 seven 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. 

XXXX 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: Payday loan, title loan, or personal loan

yesterday on XX/XX/2023 Someone from Tower Loans went to the address we have on file and spoke with my mother and told her that i was about to ruin my credit that i needed to get in touch with them. On several other occasions they have been on this property leaving letters on the steps. I dont live at this residence anymore. They did not have permission to discuss any of my financial or personal business with my mother. They call and dont leave messages while i am at work. They also said they call my wife and she doesnt answer calls she doesnt know but is authorized on my account and they wont leave any type of message either. We have had some financial difficulties due to my wife having a XXXX and have been trying to pay them. My account has never been more than 60 days past due and we stay in contact when we know its them that is calling. They should not be leaving letters not mailed by the postal service or telling my mother my personal business. They are very rude and never try to work with any one at all. they dont ask what is going on or how can we help you or anything. its just where is my money. Then they resort to coming on my parents property and tell them personal business.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received an email from Nationstar Mortgage LLC ( d/b/a Mr. Cooper ), the company which performs servicing duties for my XXXX XXXXXXXX XXXX XXXX XXXX XXXX account stating that their company was the target of a cybersecurity incident which ultimately compromised the personal information of their customers. Oddly, the XX/XX/XXXX email contained no details about how consumers information was impacted or how this breach affected the operation of their systems. 

On XX/XX/XXXX, another email communication was shared stating that their servicing website and phone systems were restored. It stated that consumers will not incur any fees, penalties, or negative credit reporting related to late payments as they worked to resolve their issues. I attempted to make a payment twice in XXXX ; once on XX/XX/XXXX which was unsuccessful due to the website experiencing issues, and again on XX/XX/XXXX which was successful. 

On XX/XX/XXXX, I submitted another payment via the website for {$3800.00}. I did not see a deduction from my account after two weeks and consequently, called XXXX to inquire. They stated that they could not see a payment on their end and advised that I resubmit. Given that it was the end of the month ( XX/XX/XXXX ), I asked if I would be subject to late fees and have my account reported due to this issue, however they said there was nothing that could be done on their end as reporting is automatically triggered to each credit bureau at the 30-day mark. I resubmitted my payment in XX/XX/XXXX and it ultimately cleared on XX/XX/XXXX. 

I received notification from XXXX XXXX on XX/XX/XXXX that my XXXX report was updated with the XXXX late payment from NATIONSTAR Mortgage LLC. As a result, both my payment history metrics and my score have been negatively affected. It is unclear whether the website payment platform issues experienced in both XXXX and XXXX are connected to the breach. 

My desired outcome is to have the late payment removed from all three credit bureaus and have a correction submitted via XXXX. My account was current prior to the XXXX issue as were all my payments thereafter ( XXXX - now ). 

Ive included supported documentation and can be reached at the contact information above if any additional information is needed.
Product: Bank account or service

Irrational charges on my account at Fifth Third Bank amount being over {$1000.00} over a three months. Plus overdraft fees
Product: Credit reporting, credit repair services, or other personal consumer reports

An old out of statute of limitations debt is reporting inaccurately by this bank. The bank ( Comenity ) sold the debt for pennies on the dollar to another debt buyer ( XXXX  ) XXXX years ago. However, both XXXX and Commenity are reporting a different amount of the actual debt since than the last bill was sent XX/XX/2018 and then charged off in XX/XX/2018 ( see documentation ). 

Last amount before chargeoff on the bill - XX/XX/2018 : XXXX Charged off amount reporting by Comenity and XXXX : XXXX The documentation was provided to me by XXXX, however, even so still they are reporting inaccurate information in violation. Comenity, the original creditor, is also reporting different charge off dates last date of payment date on XXXX XXXX : XX/XX/2018 last payment on XXXX : XXXX last payment on XXXX  : no data the reason for this is possibly because Comenity never applied a payment I made of {$150.00} in XX/XX/2018 to bring the account current.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Information on Credit Report Dear CFPB, I am writing to formally lodge a complaint regarding inaccurate late payment information reported by XXXX on my credit report. The late payments in question were marked on the following account ( XXXX ) on the respective date ( XXXX ) : LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX Under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), it is my understanding that my consumer report should not contain information related solely to transactions or experiences between myself, the consumer, and the person or entity providing the report. The inclusion of late payments as part of my payment history negatively impacts my consumer report, and I believe this is in direct violation of the aforementioned statute.

Additionally, I am requesting that XXXX XXXX XXXX provide, in writing, the reasonable procedures it has adopted to ensure that each periodic statement is mailed to me no later than 21 days before the payment due date, as required under 15 USC 1666 ( b ). This should also include all information mandated by 15 USC 1637 ( b ).

Per the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide me with the requested information. If the information is not provided within this timeframe, I will assume that you are unable to verify the accuracy of the late payments listed above, and I request that these late payments be removed from my account and consumer report with all relevant consumer reporting agencies, including but not limited to XXXX, Experian, and XXXX. 
Please ensure that any corrections made to my account are forwarded to my address as listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my account standing. 
Thank you for your time and consideration. I look forward to a positive response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX
Product: Checking or savings account

Wells Fargo Banks Has not sent me a Reason why I couldn't open an Bank Account with them. They sent me a Letter stating that they ran my Credit which is weird because I know that there is no law Stating that you have to have a Social Security number in order to open a bank Account I have checked my XXXX  report and there is nothing on it to keep me from opening up a Bank Account.
Product: Mortgage

I had recently spoke with a representative from a lending institution about a refinancing loan for my home. He had gathered information about myself and the property in question. I am looking to shop competitor rates and fees as well so I told him I would not like my credit to be pulled at this time. He then stated that he would not be able to give me an estimate unless my credit rating was pulled. I then said I would call him back, I then called a family member who owns a mortgage company and has been in the business for 30 years. She had informed me about the new law called " XXXX '' instituted on XXXX XXXX, 2016, stating that when you provide the XXXX pieces of information, name, social, property address, loan amount, income and an estimated appraisal value that the lender is required to provide you with an estimate of rates and fees by law within 3 days. I then called him back stating this because I gave him all the pieces of information except my social security number the first time we spoke because he said he would use it to pull my credit report to be able to provide me with an estimate of rates and fees. I did not want my credit pulled at that time and that is when I called my family member and she explains the laws. He then insisted on saying that is why he needed my social is to pull my credit so he can give me a loan estimate. As explained to me by my family member in the mortgage business, he can not pull my credit without my approval and could be in serious trouble if he did, I just wanted to shop rates and fees like I am able to do, he then became very short with me saying he would get fired if he were to guess at loan rates for me, so he just said some where between 3 % and 6 % and said he would delete my information, and that was the end of the call.
Product: Debt collection

Central Portfolio Control ( CPC ) keeps calling and now texting me trying to reach XXXX XXXX. I do not know XXXX XXXX and I have notified this collection agency on multiple occasions that they have the wrong number. They keep calling and now texting me. I don't know how to get them to stop,
Product: Debt collection

Dear PORTFOLIO RECOVERY ; XXXX XXXX  ; I am disputing the alleged debt your company reported, as I have no contract or prior relationship with you or the original creditor. This violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Again, this company is attempting to commit mail fraud by stating that I owe them. This is a form of harassment that has aggravated my health condition. I have no contract nor debt with this company. Please be advise to cease and desist all communication with me and do not put anything on my public record or credit report. 
To validate this claim, provide : 1. Proof of authorization to collect ( 15 U.S.C. 1692e, 1692f ).

2. Legal basis for collection.

3. Proof of authorization to operate in my state.

4. Signed contract or agreement proving the debt.

5. Full account history.

Under FDCPA 1692g ( b ), you have 30 days to respond. Failure to comply renders the debt invalid, and continued reporting or collection attempts will be considered unlawful. Per XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), if no evidence is provided, I will assume no debt exists.
Product: Money transfer, virtual currency, or money service

I have a charge on my account that isn't from me, however it is XXXX and I was told there isn't much the bank can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

For a few months, Equifax has not been reporting my active mortgage with XXXX XXXX as the servicer of my mortgage. I've contacted XXXX XXXX, and they claim that they have taken up the matter with Equifax and that it is Equifax 's policy to delete these matters at will ( a charge that Equifax has denied having ). Equifax states that any file is only deleted upon the creditor 's request. 

Please see the attached response from XXXX XXXX. 

Nevertheless, I need assistance in this matter since the absence of my mortgage listing on Equifax is causing me a lower credit rating. Furthermore, this delay is preventing me from purchasing a new car.
Product: Credit card

XXXX, XXXX, credit application denied, adverse action letter presented by Amex.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act - Transunion has violated my rights in regards to the following items they are reporting on my credit report XXXXXXXX XXXX XXXX XXXX XXXX Account # : XXXX These are the laws passed by the US Congress that Transunion is in violation of : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

" MY PRIVACY HAS CLEARLY BEEN VIOLATED BY REPORTING REPORTING AND FURNISHING MY PRIVATE INFORMATION. THIS IS A CLEAR VIOLATION OF 15 U.S.C 1681 section 602 A.

15 U.S.C 1681 section 604 A Section 2. It states a consumer reporting agency can not furnish an account without written instructions from a consumer. 
" I DID NOT GIVE XXXX WRITTEN INSTRUCTIONS TO FURNISH ANY INFORMATION ABOUT ME '' THIS IS A CLEAR VIOLATION OF THE LAW 15 U.S.C 1681 Section 604a Section 2.

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. 
NO ADVERSE INFORMATION OTHER THAN A CRIME CAN BE REPORTED BY XXXX. THIS IS A VIOLATION OF THE LAW 15 U.S.C 1681c. ( A )
Product: Money transfer, virtual currency, or money service

I attempted to pay my rent in XXXX 2017 with the BillPay function that Bank of America provides. Apparently the check was stolen and cashed. I still had to pay my rent that month, so I had to write another check. Bank of America gave me a credit for the stolen amount, but it was a 30 day temporary credit. 

Every month since Bank of America has let the temporary credit expire, with no warning or notification. I end of checking my account balance, seeing that the credit has expired, and calling them to reinstate it. This has happened every month, and although individual customer service reps are sympathetic, they all say there is nothing further they can do. One rep told me to " pretend the money is n't really in your account ''. 

This is money that is mine, that I trusted Bank of America to send to my landlord, and was stolen.
Product: Debt collection

I have no knowledge of this account and it needs to be removed from my credit report. I have filed a complaint with XXXX but have not been able to do so with XXXX as their site is garbage.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX on XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

It states over {$16000.00} is owed and on late payment but I have no payment due to loan forgiveness program. This has dropped my credit score down significantly and now I cant get approved for an apartment to shelter my family.
Product: Money transfer, virtual currency, or money service

I did not notice my Venmo account has been frozen- mainly because I never received an email about it .my email is XXXX. I logged on after being paid and the communication is vague and I was told they would be 11 hours and not passed by being told ndifferent things. I have had that account for a while and things like this happen and they are in no rush to fix it Maybe due to outsourcing or The current state of the world, but its not right its been days and escalated but no one has even contacted me to say they are working on it - ( until I call )
Product: Checking or savings account

Someone stole my XXXX debit card when I first went on unemployment the day after I came back from my rescheduled wedding and a week after I found out my dog had terminal XXXX XXXX. 

Someone in XX/XX/XXXX named XXXX then did a mobile app transfer for my {$900.00}. 

I reported the card as stolen and was able to get the second {$900.00} payment out. 

I since then had to figure out which XXXX Bank of America line to call and wait on hold for an hour the day after I put my dog down. 

BoA then added a {$900.00} credit to my account and mailed me a new card. I couldn't transfer the {$900.00} out to my bank account. A few days later, a debit was put on my account and my credited money was gone once my new card arrived. My claim was closed without investigation. 

I since then called their transaction dispute hotline at the end of XXXX again to explain that I haven't received my {$900.00} and was told there was a system bug where any open investigation was automatically closed. He then put an escalation on my account to reinvestigate my claim and said to call back in 10 to 15 days if I did not get anything in the mail. 

Last week, I tried calling again because I have received nothing from Bank of America about investigating or reimbursing me for my stolen {$900.00}. I was told again that there was no timetable for my reimbursement and that they would put an escalation to reopen the claim. 

Meanwhile, I was supposed to have my {$900.00} in XXXX and it's going to be XXXX. There is no timetable of receiving my money and absolutely no acknowledgment that the Bank plans on reopening my claim without proper investigation. The only way to reach them through the EDD Dispute Transaction line is the phone number : XXXX XXXX XXXX XXXX and you have to wait on hold for hours to get through. There's no other way to track the status of your claim. 

I would like acknowledgment from the bank that they will investigate my claim and a timetable on reimbursement. You shouldn't have to wait months to be reimbursed for money you pay into.
Product: Credit reporting or other personal consumer reports

Per attached evidence, this is in regards to DEPT OF EDXXXX as reporting on my credit reports. Please delete this account from my report due to inaccuracy and inconsistencies in reporting because this account is not reporting on my XXXX nor XXXX credit reports. Kindly see attachments for proof. 

This inaccuracy is keeping a negative account on my report, substantially hurting my credit score and preventing me from receiving much lower lending rates.

Per CUSHMAN v. TRANS UNION CORPORATION ( 1997 ), " the statute places the burden of reinvestigation on the consumer reporting agency '' Per 15 U.S. Code 1681s2, " 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. '' Much Obliged, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just got my credit report on XX/XX/XXXX and I noticed some accounts in my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ) They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ) at this point I believe theyre are doing this on purpose. According to 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

They must be blind because everything is inconsistent
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried my best to contact these companies through the credit bureaus and I haven't gotten any response. It feels like I'm being ignored. It's been over 90 days and I've heard nothing. I don't know what else I'm suppose to do. There are a bunch of inaccurate accounts reporting to my profile.