23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I am writing on behalf of my XXXX XXXX XXXX mother who has XXXX accounts at FirstMerit Bank in XXXX Ohio. The bank was recently acquired by XXXX Bank. XXXX sold off branches as part of the deal and any customer that supposedly had an account at a branch that was sold was being transferred to the acquiring bank which is XXXX XXXX. 
The XXXX XXXX branch was sold and my mothers accounts were included in the sale. Problem is she never opened an account at XXXX XXXX which is XXXX plus miles from her home. She was slammed into a branch that she never used I think to bolster a weak branch up for the sale and transfer to XXXX XXXX. My mother is not mobile and this puts an undue burden on her to do her banking. I and she wishes to keep her accounts at XXXX. I feel this was a sneaky and unfair, deceptive, and abusive action to benefit FirstMerit at the expense of an elderly and defenseless woman.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Haven Connecticut Laws Dear SIMONS AGENCY INC, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically Connecticut 's identity theft laws.

It has unequivocally come to my attention that SIMONS AGENCY INC has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Connecticut state law, particularly under Section 53a-129a of the Connecticut Penal Code, outlines clear protections for consumers against unauthorized use of personal information, including identity theft. This law highlights the seriousness of misusing someones identity, particularly in credit reporting scenarios, and reinforces the rights of victims to seek legal recourse. 

I assert with unwavering certainty that I have not provided consent for SIMONS AGENCY INC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that SIMONS AGENCY INC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Connecticut 's identity theft laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Connecticut 's state laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that SIMONS AGENCY INC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX Account # : XXXXXXXX XXXX Account # : XXXX XXXX XXXX. Account # : XXXX XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my TRANSUNION credit report, and I noticed Utilization posted on my credit report on the listed accounts : XXXX  XXXX - Account # XXXX XXXX  XXXX - Account # XXXX XXXX  XXXX - Account # XXXX XXXX XXXX XXXX  - Account # 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 is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include A. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person [ TRANSUNION ] that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

TRANSUNION HAS VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer report which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + TransUnion, On my TransUnion credit report shows a account with XXXX XXXX XXXX XXXX XXXX ( see attached screen shot of location on TransUnion. ) I spoke with the company- and they have agreed to close and remove this completely from my TransUnion credit report ( see attached email exchange with them confirming they sent in the request to TransUnion on XX/XX/2023 ). 

Please have this account closed and removed from my TransUnion credit report as soon as possible. 

Attached to this complaint is : - my drivers license - my mailing address - my social security card - email exchange confirming from " XXXX XXXX XXXX XXXX XXXX '' - screen shot where its located in TransUnion
Product: Mortgage

There was damage done to the house by Hurricane IAN. 
Insurance company sent check. 
Check was endorsed and sent to Fifth Third bank. 
They are holding the fund until contractors sign a waiver of lien. 
The waiver of lien form does not look like the one specified in Florida Statute 713.20. 
The real problem is that the Bank places the consumer in a catch 22 situation where they won't release funds until a waiver is signed.

The contractors won't sign wavers until they are paid.

So I paid out of pocket one contractor and put a deposit with another.

I have uploaded documentation to their website and still no funds have been released.

The following documents are required : Contractor waiver of lien - A lien waiver is a document from a contractor, subcontractor, materials supplier, equipment lessor or other party to the construction project stating they have received payment and waive any future lien rights to the property for the amount paid.

Asking someone to wave their legal rights before they have been paid is ludicrous.

Not releasing any funds makes the entire point moot.
Product: Credit reporting or other personal consumer reports

There is a charge-off on my credit reports from XXXX XXXX  with Experian and XXXX. The debt is time-barred and is due to be removed from my credit reports. On Experian, it showed that it would only be on record until XX/XX/year>. Now it gives no expire date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to access my free annual credit report and was not able to on XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXXXXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXXXXXX DEPTEDXXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX 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'm a casualty of fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my FICO ratings revealing appropriately, so any assist you with canning give me with refreshing this data at the earliest opportunity would be incredibly valuable. We are hoping to purchase a house. If it's not too much trouble, help
Product: Debt collection

After looking over my consumer report I've noticed that Portfolio Recovery Association is reporting a collection account that I am not aware of. I reached out to the creditor asking. them to provide verification documents which includes signed contracts & agreements, written consent from me giving them the permission to obtain and share my personal information, and proof of date of first delinquency. They never provided this information to me which violates 15 U.S. Code 1692g - Validation of debts. I am aware that I have a right of privacy and by them obtaining and sharing my personal information without my consent they violated 15 U.S. Code 6801 - Protection of nonpublic personal information and 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. I am aware that any company holding or sharing my personal information should have my consent. After refusing to pay this alleged debt that I am unaware of, I asked the creditor to cease all communications with me which by definition of communications, reporting this debt to my consumer report is a form of communication in which they failed to do so. I am also asking that the credit reporting agency properly verify the information listed in my dispute letter and if they can not provide the provided documents asked then they must remove the account immediately in accordance of 115 U.S. Code 1681i - Procedure in case of disputed accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

have contacted credit bureaus on numerious
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding multiple accounts that have been improperly reported by Equifax on my my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( 3 ), yet they have proceeded to place : Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX accounts on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 2. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. 1.Equifax has resorted to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 2.Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). Equifax is flagrantly disregarding consumer protection statutes. I did not receive any notice from : Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX accounts on my consumer report providing me the opportunity to dispute the validity of this debt within XXXX days, as required by law. Additionally, I have attempted to submit supporting documents proving that my information was compromised in the Equifax breach and documents proving that I am a victim of identity theft. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures. Additionally, I request that EQUIFAX remove these accounts from my credit report and cease all collection efforts immediately. Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint. Sincerely, XXXX XXXX
Product: Mortgage

In XX/XX/XXXX I submitted several complaints including but not limited to the following : XX/XX/XXXX (  XXXX - open ) and XX/XX/XXXX ( XXXX - closed ) I submitted complaints to CFPB in regards to my loan with XXXX XXXX XXXX. In XX/XX/XXXX XXXX XXXX XXXX  acknowledged that they inadvertently entered loan information in a manner that was inconsistent with the loan documents my husband and I signed in XX/XX/XXXX. In their letter attached they stated that they were going to correct this and send correspondence confirming such changes. To this date, they have yet to do so. Furthermore, they have failed to process our loan modification application from XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was illegally given out loans to customers like myself without proof of income. I bought the car unfortunately it was involved in a accident total loss. Insurance company paid 100 % of balance. XXXX accused me of owing then {$1500.00}. I was involved in a class action national lawsuit against XXXX XXXX and received a settlement check. However I want XXXX to remove the negative information they say I owed from all three major credit companies. Equifax, XXXX and XXXX. I have hired a law firm to help remove the XXXX negative information.
Product: Mortgage

During XXXX of XXXX I had a financial hardship due to the covid-19 pandemic I reached out to my mortgage service Loan Care and they placed me on forbearance doing that time I was not required to make payments. I applied for the North Carolina Homeowner 's Assistance Fund ( NCHAF ) and was approved on XXXX the XXXX XXXX in the amount of reinstatement for {$9300.00} and 3 months going forward for the month of XX/XX/XXXX, in the amount of {$460.00} XX/XX/XXXX, in the amount of {$430.00} and for XX/XX/XXXX, in the amount of {$460.00} giving a total amount of assistance received {$10000.00}. the payment was submitted to my servicer lawn care However, it was not posted correctly. I've been in contact with Loan Care in reference to the discrepancy in posting. Loan Care had not addressed the issue as of XX/XX/XXXX. Loan Care does not apply payments made on my account, however the send notices of nonpayment while the payments made are in an unapplied funds account. I request that Loan Care provides a monthly mortgage statement via mail and the has not happened yet.
Product: Credit reporting

Waiting for each agent to respone to my complaintXXXX transunion keep reporting outdated negative information. I disputed a number of things over 10 yrs ago but they continue to update as if they are new accounts and in good standing and paid and closed. Neither company is allowing me access to my file. I am requesting that you investigate this and also assist me in checking my file weekly so that I can see if I am a victim of identity theft. I would also like to send you my old credit reports from over 10 yrs ago by mail.
Product: Mortgage

On XXXX, I paid a regular monthly mortgage payment ( listed on their web page ) as a ( Minimum Payment Due ) instead of a ( Next Regular Payment Due ) ahead of time - to be applied for the month of XX/XX/XXXX - Instead Chase Bank applied the payment to the Loans ( Principal Balance ) or note as a ( Principal Prepayment ), without my written permission, or notification, as ( written in the Loans Note ) under the ( Terms of Prepayments ) of the Original Loan with XXXX XXXX in XXXX : I had no problems with XXXX XXXX pre-paying my ( regular monthly mortgage payments ) ahead of time, in fact at ( 1 ) point I had prepaid my regular monthly payments nearly ( 1 ) year in advance : Chase has a Faulty, if not Intentional Payer Online System or Webpage, that does not apply a prepaid ( Regular Monthly Mortgage Payment Early ), instead their ( Bait & Switch System ) Automatically takes your ( Minimum Payment Due ) or your ( Regular Monthly Mortgage Payment Due ) - & applies it as A Pre-Paid ( Loan Principal Payment ) without you knowing & without Chase Bank asking your Permission to do so at the ( Time of Payment ) : You later find out your ( Payment has not Posted ) correctly, & then you have to Beg by Telephone to get Chase Bank to apply your payment properly. 

With excuses from Chase Bank like, I ( the Borrower ) was short on their Escrow Account, so they applied the early ( Monthly Mortage Payment ) to the Escrow Fund, instead of applying the payments according to the terms of the Note : Yet Chase Bank has a separate online column or Button to Prepay your Principal or Escrow early if you choose to, So how can they mistakenly take your ( Regular Monthly Mortgage Payment ) & apply it to the Loans Principal without your Knowledge, or Approval, or by Your Online Action, then make you call them and wait for approval to correct the transaction? 

When Chase Bank Broke the Terms of the Note, & the Servicing Agreement, intentionally, by an illegal algorithm, or system, designed to apply ( Regular Monthly Mortgage Payments ) to your ( Principal ) without your ( Knowledge ), then ( Refusing by Phone ) to leave a Voicemail, concerning, if they will decide to apply your Mortgage Payment Properly in a timely manner in the Future?

Are, they ( Chase Bank ) making money on your payments applied to the ( Principal ) rather than towards your ( Monthly Mortgage Payment ), or by stalling to apply the money properly for days or weeks, on end? 

Note : By reducing the balance of Your Mortgage Loan, rather than using the Money for your Monthly Mortgage Payments, Chase Bank is reducing their, portfolio exposure by paying Loans off sooner : Screen shots are available of the Chase Mortgage Web Page- Please just ask Chase to offer their Facts of My Loans Web Page - Today on XXXX Thanks for your time : )
Product: Mortgage

On XX/XX/XXXX, Loancare, LLC disbursed {$840.00} to my homeowners insurance group, XXXX. On XX/XX/XXXX, I notified Loancare that they had over-paid the XXXX, as the premium had dropped by {$160.00}. I asked that they perform an escrow reanalysis to ensure that I am not continuing to over-pay into escrow. I followed-up in XX/XX/XXXX via telephone to ask if the reanalysis was performed, and they stated that I needed to fax a copy of the new premium, which I faxed over the next morning. I called again at the beginning of XX/XX/XXXX to understand where we were with my request. They stated that although they had received the document and the new premium was updated on their side, the " Insurance department '' had not given them the OK to make adjustments. They stated they would need another two weeks. At the end of XX/XX/XXXX I called again, this time pointing-out that the County taxes had also gone down by {$83.00}, and that adjustments had not been done on their side. They stated that they were still reviewing, and that their Insurance department was still holding-up my homeowners renewal. Again, they needed another two weeks. I contacted their office at the beginning of XX/XX/XXXX and demanded to speak with a supervisor, as they had done nothing to rectify the situation. The Customer Service Representative advised that her supervisor was in Florida, and that she had passed the message along. I advised that I needed a call regarding this matter no later than XX/XX/XXXX or I would file a complaint with both the CFPB and the Pennsylvania Attorney General 's Office. I advised that I should be called directly on my mobile phone, but no one has called to date. I have also checked the account as of XX/XX/XXXX, and adjustments to the payments have not been made. I am over-paying {$240.00} per year or a total of {$20.00} per month as a result.