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

I do not understand why you are still continuing to contact me and send me correspondence saying I owe you debt and you are putting an account I dont have with you in collections. I am not liable for any debt with your company and placing more derogatory remarks marks on my credit report will be in clear violation of the credit consumer laws. You sent a letter saying you are putting me in collections, I dont know if your company is not understanding or what seems to be the communication. You have failed numerous times to come forth with any signed contract between your me and your company. You are violating my rights continuously. I have told your company to cease and desist all forms of communication with me and now I am being harassed by your company. Let me state the consumer rights laws once again since you are having problems with understanding it. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1692 B ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt 15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1681 Section 604 A Section 2 it also states consumer reporting agency can not furnish a account without my written instructions 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 calls to believe the information is inaccurate.

If any derogatory remarks or collections for this company, that I have no contract with, are listed on my credit reports I will have no choice but to seek legal advice and take further action for your company breaking the law and continuing to harass me month after month. 

This will be my last time writing you about this issue.
Product: Debt collection

XXXX began sending letters of a debt owed to our home address. It was to a company called both " XXXX XXXX XXXX  XXXX '' and XXXX XXXX XXXX XXXX ''. I have contacted XXXX months ago ( we havent had a XXXX account in about 10 years ) and informed them that they do not have the correct address for this debt and they agreed that it was being sent to wrong address. I asked what should we do and was I formed to just keep sending the letters back and they would note in their system but they kept sending the bills to this address anyway and I kept sending the mail back to them. Now addressed to this same companies at our home address we are getting notices for a collection agency from Diversified Adjustment Service Inc.for {$3700.00}. We have contacted them and they agreed to resolve but this is doubtful. I believe this is some sort of scam someone used our address for.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, section 602a underscores the necessity for consumer reporting agencies to carry out their significant duties with fairness, impartiality, and a regard for the consumer 's entitlement to privacy. Equifax and XXXX, recognized as consumer reporting agencies, interface directly with consumers like me. I, as the consumer, possess the fundamental right to safeguard my private information from unwarranted sharing, as substantiated by 15 USC 6801, which underscores Congress 's stance that each financial institution bears an ongoing obligation to uphold the privacy of its clientele and safeguard the confidentiality of their nonpublic personal data.

Entities furnishing information to credit agencies are categorized as financial institutions under the aforementioned statute. Pertinently, 15 USC 1681, section 604a, subsection 2 outlines that consumer reporting agencies may solely furnish consumer reports in adherence to the explicit written directives of the concerned consumer. Both the financial institution, as the provider of information to credit agencies, and the consumer reporting agencies such as Equifax and XXXX, and XXXX, do not possess my authorization to furnish this information, nor do they have my explicit written consent. Therefore, any consent previously extended to Equifax, XXXX, XXXX, or other entities acting as furnishers of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 
Moreover, 15 USC 6802 ( b ) ( c ) dictates that a financial institution must not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is provided with a clear explanation of how they can exercise their right to non-disclosure. Regrettably, the financial institution in question failed to inform me of my right to exercise this option. Additionally, as per 15 USC 1681C ( a ) ( 5 ), no consumer reporting agency may include certain adverse items of information in a consumer report without proper authorization, a provision this account infringes upon.

Under 15 U.S. Code 1681s2 ( A ) ( 1 ), entities are prohibited from furnishing inaccurate information to consumer reporting agencies, yet Equifax and XXXX continue to do so. Furthermore, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations of section 1681c and restrict the furnishing of consumer reports to the purposes specified under section 1681b, a requirement which Equifax and XXXX seem to neglect. 
Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any given time. Hence, I am formally exercising my right to opt out of your reporting services effective immediately.
Product: Credit reporting or other personal consumer reports

I am writing to report fraudulent activity on my credit report involving several accounts and inquiries. Here is a detailed description of what happened : XXXX. Auto Loan : XXXX XXXX XXXX  ( Opened : XX/XX/XXXX, Balance : {$10000.00} ) : This account was fraudulently opened without my authorization. 
XXXX. Student Loans : U.S. Dept of EDXXXX ( XXXX : XX/XX/XXXX, Balance : {$2200.00} and {$3600.00} ) : These accounts were fraudulently opened in my name without my consent. 
XXXX. Personal Loans : XXXX XXXX XXXX XXXX ( Opened : XX/XX/XXXX, Balance : {$1000.00} ) : This account was opened fraudulently. 
XXXX XXXX XXXX ( Opened : XX/XX/XXXX, XXXX : {$360.00} ) : This account was fraudulently opened in my name. 
XXXX. Inquiries : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) : Unauthorized inquiry. 
XXXX XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) : Unauthorized inquiry. 
XXXX XXXX ( XX/XX/XXXX ) : Unauthorized inquiry. 
XXXX XXXX XXXX ( XX/XX/XXXX ) : Unauthorized inquiry. 
XXXX XXXX XXXX ( XX/XX/XXXX ) : Unauthorized inquiry. 

These accounts and inquiries were not initiated or authorized by me. I have already taken steps to dispute these fraudulent activities with the credit reporting agencies but have not yet received a resolution. I am requesting that these fraudulent items be investigated and removed from my credit report immediately. 

Thank you for your prompt attention to this serious matter.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are a result of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XXXX/XXXX/2021
Product: Checking or savings account

I am writing on behalf of my parents, XXXX and XXXX XXXX who are XXXX and XXXX years old respectively. They received an offer in the mail saying that if they opened a Capitol One 360 account with a minimum deposit of {$20000.00}, prior to XX/XX/2018, they would receive a {$200.00} bonus. I set-up the account for them as they have no computer or access to the internet at their assisted living center. After opening the account on XX/XX/XXXX, I received an email saying that a small deposit would be made to their XXXX XXXX account ( source of funding 360 account ) and that I would have to email them with the date and amount of the deposit. I did this, but watched the account for a few days as it was not showing as being funded. On approximately XX/XX/XXXX I called and was advised that I also needed to set-up a profile for my mother ( the email was sent to my father ) and also say what the date and deposit amount was to their XXXX account. In attempting to do this I had numerous problems as my mother has an old sign-on from 10 years ago and of course does not remember the user name or password. It took many calls into Capitol One, including one where I picked my parents up at their assisted living facility and spend 2 hours and 45 minutes at my house on calls with Capital one 360, the credit card division and the bank ( XXXX representative ). I wish you could listen to the call ... ... it was absolutely ridiculous. Anyway, by the time we finally got the account funded we were past the XX/XX/XXXX promotional period. I explained to the representatives that they could see when I opened and attempted to fund but due to their fraud prevention rules the transfer was not made. I also find it amazing that Capitol one would send an offer to consumers in their 90 's when they have no branches to assist in fulfilled the offer. I told this all to Capitol One and all they did was send a letter back to my parents saying, so sorry, can't break their rules regardless of how old you are. I think this is totally unfair and appeal to you to have Capitol One reconsider. My parents live on a small pension and transferred all money they have into Capitol One. This borders on being a deceptive offer! 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with the federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate. XXXX Collection with account # XXXX XXXX Collection with account # XXXX XXXX Account with account # XXXX XXXX Account with account # XXXX XXXX Account with account # XXXX XXXX Account with account # XXXX XXXX Auto Loan with account # XXXX XXXX Partially Secured with account # XXXX XXXX Secured Loan with account # XXXX XXXX Account with account # XXXX
Product: Checking or savings account

Chase placed a hold on a check I deposited on XX/XX/2022 which was supposed to be made available on XX/XX/2022. But the funds were made available for use on XX/XX/2022. I don't know the difference between a fraudulent check and a regular check that was why the hold was placed on the check but it was lifted which to me means it is a good check. XX/XX/2022, I woke up to $ XXXX in my chase checking account. I called the bank and they told me the check was fraudulent. I also went to a local branch but they said they made the check available because I am a loyal customer but they didn't investigate the check to know the validity of the check before releasing it. The said check is for a " supposed '' online job I applied to. I have no idea what type of check it was. I was just a job seeker doing my job at that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Transunion a inaccurate inquiries letter with violations on there. Stating that I never gave them consent to furnish information on my consumer report under permissible purpose 15 USC 1681b ( a ) ( 2 ). Without my written consent this is known as identity theft and Transunion is commiting identity theft. They sent me a letter back saying that they followed permissable purpose and i need to reach out to these companies. Transunion has ignored my rights as a consumer and has failed to delete these inquiries off my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX I, XXXX XXXX, am in fact the consumer and a natural person, whereas, I of age, of majority, depose the following facts ; so be it, now present ; The Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it. 

Pursuant to the Fair Credit Reporting Act any consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer and I, XXXX XXXX, the consumer and natural person, did not give any debt collector nor consumer reporting agency any written instructions to report the alleged account to any consumer report. 

Therefore, any and all names and addresses that does not accurately represent me as the consumer and does not match the one and only name and one and only address that is listed below must be removed from my consumer report. 

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX I am sure that the removal of the incorrect names and addresses from the consumer reporting agencies records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy and rights as a consumer will not be violated again. 

Please also send me proof of this removal to the address given above, this will include an updated consumer report.
Product: Money transfer, virtual currency, or money service

transaction were compromised and makes the users vulnerable to scam amongst other issues.
Product: Mortgage

Regarding Freedom Mortgage loan : Old loan Acct number : XXXX and New loan Acct number : XXXX. I applied for refinancing of mortgage loan with the same company, Freedom Mortgage. Signed closing documents on XX/XX/XXXX. 

After multiple phone calls and emails to various departments, I was not able get answers and resolution to these issues. Issues of contentions are as follows : 1. I was not provided with an Payoff Statement and breakdown of charges at the time of closing. 
2. Payoff Statement that was provided at a later date had a different net dollar amount than what was stated in the XXXX Settlement Statement. 
Payoff Total Net : {$400000.00} ( Exhibit B ) XXXX Statement Payoff Net : XXXX ( Exhibit C ) Difference of : {$48.00} overpayment. 
3. Looking at the Payoff Statement provided ( Exhibit B ) -there were extra charges made on interest and late payment fee. 
Since we closed XX/XX/XXXX : I should only be charged with interest for XX/XX/XXXX to XX/XX/XXXX in the amount of {$1400.00} ( See Exhibit A ). However, I was charged {$2400.00}. There was an overpayment on interest in the amount of : {$1000.00} Furthermore, I was charged with a late payment fee of {$100.00} but no document was provided to me by Freedom Mortgage why I was charged with late payment. 
4. Lastly, I have sent my XXXX payment in the amount, {$2900.00} to my old account and it was received by Freedom mortgage XX/XX/XXXX. However, Freedom Mortgage returned it to me after two weeks but {$78.00} less than what I have paid. Since all XXXX charges have been added to the Payoff note, I should have been refunded the full amount of my XXXX payment. 

This is time-sensitive since Freedom Mortgage has sold my mortgage loan to XXXX XXXX. I would like these issues resolve before the sale transfer.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXXXX/XX/year>
Product: Debt collection

This company is reporting a debt that is not verified. They have failed to provide information showing signature and have violated FDCPA LAW. We are filing a Lawsuit as well unless the accounts are removed.
 XXXX  Account Number   XXXX   Account Type Installment Loan Terms Unknown Date Opened  XX/XX/XXXX  Account Status Closed Payment Status Unknown Payment Status Details Account transferred to another office Status Updated  XX/XX/XXXX  Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone BYMAILONLY Contact Address   XXXX   XXXX   XXXX  ,  XXXX , WI  XXXX  Ownership Individual Original Creditor - Company Sold-to - Original Amount {$28000.00}  XXXX  Account Number  XXXX  Account Type Installment Loan Terms Unknown Date Opened  XX/XX/XXXX  Account Status Closed Payment Status Unknown Payment Status Details Account transferred to another office Status Updated  XX/XX/XXXX  Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone BYMAILONLY Contact Address   XXXX   XXXX   XXXX  ,  XXXX , WI  XXXX  Ownership Individual Original Creditor - Company Sold-to - Original Amount {$6700.00} Comments   XXXX   Account Number  XXXX  Account Type Installment Loan Terms Unknown Date Opened  XX/XX/XXXX  Account Status Closed Payment Status Unknown Payment Status Details Account transferred to another office Status Updated  XX/XX/XXXX  Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone BYMAILONLY Contact Address   XXXX   XXXX   XXXX  ,  XXXX , WI   XXXX    Ownership Individual Original Creditor - Company Sold-to - Original Amount {$7800.00} Comments -
Product: Mortgage

I had 3 months trial loan modification from XX/XX/2016 to XX/XX/2016. 
I had made all XXXX months trial payments on time. The loan conciliation conference meeting was scheduled in XX/XX/XXXX for a loan modification at the local court. I was supposed to receive a final loan modification decision after making XXXX months trial payments ; however, I had not received anything from them. I made another extra payment while I was waiting for a decision. In the meantime, I had spoke with the person who works at the law firm ( for Wells Fargo Mortgage Co. ). As per she says, they had received the final loan modification from the Wells Fargo and we were approved. I had called Wells Fargo loan modification department and spoke with the XXXX. As per she says, the payment which I had made extra payment would be applied to XX/XX/XXXX payment ( which I would have a new loan modification from XX/XX/2016 ) and my first payment would start from XX/XX/2016 
However, an extra payment was not applied to XX/XX/XXXX payment and the Wells Fargo had not sent the mortgage statement which I was supposed to receive every month. 
Therefore, I would like to complaint my extra payment which have not applied to XX/XX/XXXX and they have lied to us. For that, I have XXXX month payment behind now. I would like to refund {$1300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have never had XXXX XXXX as a provider. Never. Transunion refuses to conduct a new dispute investigation saying they have already done one, God knows when. But, this can not be correct as we have never had XXXX XXXX as a provider. This record was reported the middle of last year, XX/XX/XXXX. We have XXXX as our provider since we moved to our current location XX/XX/XXXX. We never had XXXX XXXX as a provider in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I sent out the dispute letters to all XXXX major bureaus on XX/XX/XXXX. They have incorrect info and have shared my information without my written consent. The following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602 a. I have the right to privacy 15 U.S.C 1681 section 604 a. section 2 states consumer reporting agency can not furnish an account w/o my written consent/instructions.

( I have given no such consent/instructions ) 15 U.S.C 1681c. ( a ) ( 5 ) no consumer reporting agency can 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 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) also Account Name : XXXX XXXX Account Number : XXXX Account Type : Credit card Date Opened : [ TransUnion says XXXX XX/XX/XXXX ] [ XXXX says : XX/XX/XXXX ] Date last active : [ TransUnion says XXXX XX/XX/XXXX ] [ XXXX says : XX/XX/XXXX ] Balance : {$200.00} Status : Closed I believe this information is inaccurate because the dates ect., each bureau is showing are ifferent. 



Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Credit card Date Opened : XX/XX/XXXX Date last active : [ TransUnion says : XX/XX/XXXX ] [ XXXX says : XX/XX/XXXX ] Balance : {$890.00} Status : Closed I believe this information is inaccurate because the dates etc., each bureau is showing are different. 

I have attached copies of the following documents to support my dispute : A copy of highlighted errors/differences A copy of my ID and social security card Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Credit card Date Opened : [ TransUnion says XXXX XX/XX/XXXX ] [ XXXX says : XX/XX/XXXX ] Date last active : Balance : {$530.00} Status : Closed I believe this information is inaccurate because the dates, etc. each bureau is showing are different. According to the consumer protection law, consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be corrected or removed. I have requested the following documents regarding these ACCOUNTS : *Pay off disclosure * Interest rate disclosure *Balance history *Payment history *Credit insurance
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX   XXXX {$25000.00} XXXX   XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX XXXX {$18000.00}