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

In accordance with the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  Account # : XXXX has violated my rights. 


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 an 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 or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper uses of my Credit files Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im writing your company because your agency is in major violations i did not give consent to report anything on my consumer report i did not receive a notice in advance and i also know that the consumer controls whats being reported we are going public news with all the consumer laws Equifax has violated from reporting illegal late payments toIt is the policy of the Congress that each financial institution allowing non licensed secondary agencies to report knowing he secondary agencies XXXX XXXX XXXX and according to 15 USC 6801 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.furthermore, i also know for a fact your reporting illegal on my consumer report 15 USC 6802 a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE DELETE FROM MY CONSUMER REPORT
Product: Credit reporting or other personal consumer reports

My name XXXX XXXX is used many times as well as my maiden name XXXX XXXX. I have no idea what companies or accounts?
Product: Debt collection

I believe the account is invalid. MIDLAND CREDIT MANAGEMENT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 

MIDLAND CREDIT MANAGEMENT XXXX
Product: Vehicle loan or lease

My husband, XXXX XXXX and I, XXXX XXXX leased a XXXX XXXX. We turned in the vehicle to the local XXXX dealership. The vehicle sat at the dealership for two days before it was inspected. I took photos at the lot when we dropped the vehicle off. The claim from XXXX XXXX is now that there are damages ( excessive scratches ) over {$2000.00}. I called and submitted via certified mail, my photos and my claim that the damages could have occurred while on the car lot before inspection. I have been told that we still have to pay over {$2000.00} for a scratch. This is absurd. I have photos showing no damage.
Product: Credit reporting or other personal consumer reports

I am disputing the charge-off reported on my account XXXX XXXX XXXX XXXX because it violates the FCRA regulations. Specifically : - XXXX XXXX. XXXX ( a ) ( XXXX ) prohibits credit reports from containing " records of income, or information relating to the consumer 's financial obligations, including credit scores, credit reports, or other information derived from credit reports '' - XXXX XXXX. XXXX ( a ) ( XXXX ) prohibits credit reporting agencies from including " information relating to the consumer 's financial obligations, including credit scores, credit reports, or other information derived from credit reports '' if the information is " not directly related to the consumer 's creditworthiness ''. - XXXX U.S.C. XXXX ( f ) defines " creditworthiness '' as " the ability and willingness of a consumer to pay obligations in accordance with their terms '' which does not include income information like charge-offs.-C.F.R. XXXX ( a ) prohibits credit reporting agencies from including " information that is not directly related to the consumer 's creditworthiness, including... income information ''. - XXXX XXXX ( b ) requires credit reporting agencies to " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ''. - XXXX U.S.C. XXXX ( a ) ( XXXX yA ) states that credit reporting agencies must " delete the item of information, or modify the item to make it accurate '' if it's found to be incomplete or inaccurate.-C.F.R. XXXX ( a ) ( XXXX ) requires credit reporting agencies to " verify the completeness and accuracy of information '' in consumer credit reports. - C.F.R. XXXX ( a ) states that credit reporting agencies must " have in place reasonable procedures for responding to disputes from consumers ''. The charge-off reported on my account is inaccurate and violates these FCRA regulations XXXX I request that you : - Delete the charge-off from my credit report immediately - Confirm in writing that the charge-off has been deleted- Provide a corrected credit report that reflects the deletion Please investigate this matter and take the necessary steps to correct my credit report. If I do not receive a response within 30 days, I will be forced to take further action to protect my rights under the FCRA. This has cause me financial, and emotional Loss! I have been up all night every day stressing about this! Sincerely, XXXX XXXX XXXX
Product: Bank account or service

Hi there. 
My complaint is regarding Bank of America ( BoA ). On XXXX/XXXX/2015 I called their customer services on XXXX and spoke with a XXXX XXXX XXXX to understand and challenge confusing and inexplicable charges made against my account by the bank. Several charges of {$25.00} had been made by the bank against my account, bringing it into an overdraft to date of {$71.00}. 
XXXX XXXX informed me that BoA had enrolled in an " Advantage Program '' which gave me " various benefits '' for a ( inconsistently applied ) monthly fee of {$25.00}. 
I informed XXXX XXXX that I had never agreed to such a program and that I was formally disputing any agreement to its enrollment and that I would like a case or reference number from him while BoA investigated the matter. I also requested that the charges be reversed and that BoA remove me from any " Program '' which resulted in my being charged monthly for " benefits '' without prior agreement from me. 
XXXX XXXX repeatedly refused to open an investigation of any form, or to take up my formal complaint, or give me a case or reference number. He insisted that he would not take ownership of my complaint and that he would limit his course of action to arranging for another office to send me a brief letter informing me of nothing more than the date on which BoA had unilaterally enrolled me ( without my explicit or implicit consent ) into their ( costly ) " program ''. He also made it clear that no undertaking was being made to send me copies of any signed agreements I am supposed to have made. He then suggested that, once I am in receipt of the brief letter confirming the " enrollment '' date, it would be up to me to then take a further step of visiting a BoA branch to request redress once more at that time. XXXX XXXX again refused to accept a formal complaint from me on the present call.
Product: Mortgage

Wells Fargo requires me to sign away my rights as a US citizen forcing me into binding arbitration and giving up my right to join class action lawsuits as a precondition to using online banking. They did not disclose this when signing the mortgage. I have filed complaints with them including XXXX and they have stated this is done intentionally. It is impossible to view, make payments, or interact with my account online in any way without giving up my rights. 

Wells Fargo is a criminal institution of unprecedented magnitude and forcing their customers to give up their rights in order to interact with them in an online fashion is unacceptable.
Product: Debt collection

This person ( XXXX ) continues to call my cell phone when I have continuously told him that I am not the person he is looking for. I said if he knew who he was looking for he'd have the correct number, or he could XXXX the business number of who he was looking for. He just kept trying to go off on me to '' justify '' calling and not leaving me alone even when I kept saying that I am not who he's looking for. 


Dates called : XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed this account on my credit report several times with the furnisher and Experian Per my the companies response for the last dispute I am disputing the following : 1. XXXX XXXX on my Account - Please Remove - Per the company 's response they said the following : a. XXXX no longer owns the account b. The Balance amount is incorrect on my credit report 2. XXXX says they mailed an intent to sale : NO DOCUMENTATION - REMOVE a. They have provided NO documentation to validate this b. No settlement was reached because I never knew received an intent to sale or a deficiency notice. 

3. XXXX is a predatory lender, they repo my car after missing 1 payment, they did not properly notify me of intent to sale or deficiency balance, because they have a long practice of selling the vehicle - repo the vehicle after 1 missed payment, reselling the vehicle again, then selling the debt. So they make more money on repo then an actual sale, which is why they repo my car after 1 missed payment.
Product: Credit reporting or other personal consumer reports

[ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX USA ] Subject : Request for Removal of Outdated Closed Account from Credit Report To Whom It May Concern, I am writing to formally dispute the reporting of a closed account that appears on my credit report. This account exceeds the reporting time frame allowed under the Fair Credit Reporting Act ( FCRA ) and should be removed. 

Account Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account Closed XX/XX/XXXX Account last reported Last reported XX/XX/XXXX Amount Owed {$4300.00} Payment status In Collections/Charge-off Remarks by creditor Profit and loss write-off Dispute resolved reported by grantor Dispute resolved reported by grantor Account Name : [ XXXX ] Account Number : [ LAST 4 # XXXX ] Under the FCRA, negative information, including accounts that are closed, may only be reported for seven years from the date of first delinquency. Based on my records, this account was closed and is beyond the allowable reporting period. As such, it should no longer appear on my credit report. 

I respectfully request that you investigate this matter and delete this account from my report. Please find attached copies of the following documents for your reference : A copy of my credit report with the outdated account highlighted. 
Any other supporting documentation to confirm the account 's age and status. 
Please confirm that this account has been removed from my credit report within 30 days, as required by law. If the account can not be removed, I request a detailed explanation of your investigation and the reasons for continuing to report the account. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity is not reporting to any of the credit bureaus since XXXX for a lot of people. After looking up this issue online- they are either giving people a blanketed this is a system update response or, after being escalated and pushed, they give in and update the persons records. After sending them a message saying that I would like for them to update my payment records, they only gave me the blanketed response with no sign of a solution. My balance for this card has dropped drastically and I would like for that to be reflected correctly. Ive also seen in online forums that this bank, as a retaliatory response, decreases the credit limit for people who complain. Not sure if that part is true, but its a worthwhile mention.
Product: Mortgage

I submitted an application to Amerihome on XX/XX/2018 regarding assistance with the foreclosure on my home. I confirmed with the lender on XX/XX/2018 my application was received and they requested a hardship letter which I sent in. When calling Amerihome today, XX/XX/2018, I was told the documents are received however they can not postpone the trustee sale because the attorneys will not postpone it if documents are not received at least 14 days before the sale date. No one ever told me this information when I spoke with Amerihome and they told me to submit the documents which I did. Now, 2 days before my sale date I am told " too bad, too late ''. I called the trustee and they are telling me the sale is active and that the lender is the one who authorizes the postponement, so now I am being told different stories and even more stressed out. 
Amerihome has my application, they should be aware of the HBOR laws and postpone the foreclosure sale while I am in an active loan modification review. I have been been assigned a single point of contact and they have never reached out to me, which are violations of the HBOR set in place for homeowners like myself!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$15000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX  XXXX Balance : {$4500.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$73.00} ; XXXX  XXXX Balance : {$1800.00} ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

They said I can proceed with transaction however it happened again
Product: Vehicle loan or lease

They refused to take a cashiers check payment from my bank, drawn from my account and with my name on it, unless I gave them my Social Security number and signed a formal credit application I presented my valid California drivers license as proof of my identity, and it matched the name as payor on the cashiers check. 

Why would I need to fill out a credit application if I was not seeking credit? And why would I have to provide a Social Security number if theyre not running credit? Its not as if the Department of Motor Vehicles has my Social Security number and they have to verify it In order to accept my payment.
Product: Mortgage

I'm making bi-weekly payments. The loan servicing company LoanCare LLC does not apply the payments as they are made, it holds the payment until the end of the month and then makes a single payment. 

The purpose of bi-weekly payments is to reduce the principle amount and therefore lower the interest paid on the note overtime. 

LoanCare , LLC is deceptively defrauding it's clients by not applying the payments as they are made. 

I've attached XXXX bank statements and the loan transaction history to illustrate the day the payments are made, versus when they are applied to the loan.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : Accounts : XXXX XXXX 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

The following accounts have been sold without my consent and many inaccuracies with the payment history, status, balance, monthly up-dates. I have disputed the validity of the same accounts with no success. The accounts are in violation of 15 USC 1681. Removal of these accounts are required from XXXX, Transunion and XXXX - XXXX XXXX XXXX sold to : XXXX XXXX XXXX Acct : XXXX - XXXX XXXX. 
Acct : XXXX OR Acct : XXXX - XXXX XXXX Acct : XXXX - XXXX XXXX Acct : XXXX - XXXX  XXXX . 
Acct : XXXX - XXXX XXXX. 
Acct : XXXX XXXX XXXX XXXX. 
Acct : XXXX - XXXX  XXXX Acct : XXXX - XXXX Acct : XXXX - XXXX Acct : XXXX - XXXX XXXX XXXX ( no info. ) Acct : XXXX - XXXX XXXX XXXX Acct : XXXX -XXXX XXXX Acct : XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the inclusion of certain information on my credit report. Upon reviewing my credit report, I have found that [ insert creditor/organization name ] has furnished information to your bureau regarding my credit profile without my written consent. As such, I am requesting an immediate investigation and removal of this information under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681.

Specifically, I am disputing the following : Creditor Name : Possible Financial/True Accord Account Number ( if applicable ) : XXXX Reason for Dispute : The information was furnished or obtained without my written consent, and I did not authorize the sharing or retrieval of my personal credit data. 
Under 15 U.S.C. 1681b, a consumer report may only be provided to third parties under specific circumstances, such as when the consumer has provided express written consent or when the requestor has a legitimate purpose. In this instance, I have not granted any permission or signed any documents that would allow [ insert creditor/organization name ] to obtain or provide my credit information to your bureau.

As required by law, I respectfully request that the information furnished by [ insert creditor/organization name ] be removed from my credit file immediately. Please conduct a full investigation, and provide me with the results of that investigation within the time frame required by the FCRA.

Additionally, please provide me with a copy of my updated credit report reflecting these changes once the dispute is resolved.

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and keep me informed throughout the process.
Product: Credit reporting or other personal consumer reports

I am Listing XXXX Fraudulent inquiries from my Transunion credit report. XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> the listed inquiries do not belong to me and must be removed from my Trunsunion credit report. I had a call with all companies and credit reporting agency and was adviced to fill identity theft report for deletion.I am reporting Transunion to mark listed inquiries as fradulant and remove them from my credit report
Product: Checking or savings account

I attempted to effectuate a wire within the limits that my bank allows. Wells Fargo verified my identity on 4 separate occasions and confirmed the wire. Afterwards, the bank held the fire for fraud and blocked my access to the account and instructed me to call them to fix the problem. I did so and after 30 minutes on the phone I was instructed to go to the branch to effectuate the wire. Now I am being charged {$40.00} to do the same wire that would have cost {$25.00} if I had done it online. Additionally I still do not have access to my online banking account and I can not move my funds in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Experian is govern by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts listed below be removed. According to 15 USC 1681 : I have the right to privacy and i did not give Experian written permission to furnish these account. 
Account : XXXX XXXX Account XXXX : XXXX
Product: Mortgage

I have two mortgages with Bank of America. I have been trying since XX/XX/XXXX to refinance both of them. The loan # s are XXXX at 8.99 % and the other XXXX is interest only right now. They total XXXX. Due to circumstance I have fallen behind on payments. I also have first mortgage with a different lender XXXX which is XXXX current and escrow is also current. I have a high debt to income. I do not want anything taken off. I want to pay all I owe. I would like them to combine at thirty years with a lower interest rate. Right now anything I pay they take as interest and late fees. They have sent me several packets I fill out the paper work and fax it back. So far I faxed it back XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. All I receive back are robo calls? 

Please help with this situation. 

Thank You XXXX XXXX XXXX