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

I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Company Midland Mortgage was notified via written mail to stop communication over telephone. They continue to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is listing this mortgage in the credit card category. It was never a credit card it is and has always been a mortgage. By Experian listing it this way it puts my credit utilization number in the 40 % category. All of the other credit reporting agencies have it listed where it Is supposed to be. The other agencies have my credit utilization at or around 19 %. The debt is not in dispute the listing is. I have reached out to Experian twice to no avail. I contacted the mortgage company and they agree with me and have it reported as a mortgage. For some reason Experian keeps listing it in the credit card category which is drastically affecting my credit utilization and score. The company is XXXX XXXX XXXX ( debt around {$30000.00} ). They are not the problem Experian is ... ... ... PLEASE HELP
Product: Credit card or prepaid card

Please investigate this account. This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it to 0 or eliminate the item certainly. 
XXXX XXXX ***** Opened Date XX/XX/2015 Balance {$1500.00} XXXX XXXX ***** Opened Date XX/XX/2015 Balance {$1500.00}
Product: Vehicle loan or lease

During month of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX members account were transferred to Navy Federal Credit Union XXXX XXXX XXXX. Both XXXX informed us ( members of XXXX ) this is a transfer, informed accounts would be transferred to XXXX. I had loans with XXXX that were transferred : car purchased in XXXX XXXX and personal loan beginning on or about XXXX XXXX, both loan interest stated the same. BUT under XXXX biweekly Car loan {$210.00} ; personal loan {$160.00}. Under account transferred to XXXX car loan {$250.00} and personal loan {$190.00}. I asked why, I was informed that XXXX do not do biweekly payments, they only do monthly payments. Therefore, I could pay biweekly but my amounts will be higher. Well, my monthly under XXXX for car is {$500.00} and personal is {$380.00}. We former XXXX do not understand why, I do not understand why {$160.00} XXXX $ XXXX total ) and {$210.00} XXXX {$420.00} XXXX can increase if the interest stayed the same and the accounts were transferred. All I was informed through written ( and verbal, after I questioned the increase is that the accounts would be transferred XXXX. XXXX explanation is that they do not do biweekly payments. But they merged with and accepted members who signed contracts and accepted loans based upon the loan agreement at/for a certain amount. When I informed XXXX that to me, the name of the company I am paying changed but not the amount of the payments ... similar to a mortgage that is transferred. I was told no, it 's not the same. I am asking for someone to explain how account payments signed and in progress can be increased because the company do n't do biweekly payments. Should n't this have been discussed prior to their merger and transfer of accounts? Should n't we/I have been informed so that I could have tried to find a credit union with similar terms? Most of all, is this legal? Now, XXXX is sending me promissory letters/contracts with their new amounts requesting I sign. I have the amount in savings because I do not want to default on the loans ( the payment is due XXXX XXXX ) ; but I disagree with the $ XXXX that XXXX is asking XXXX to pay. I informed XXXX that I would be filing a complaint with this Agency seeking an investigation into what they are doing to the former members of XXXX. Under XXXX in my loan agreements my final/last payment for car is {$170.00} and personal loan is {$120.00}. Can provide contract loan agreements to your XXXX. It is not just me, there are a lot of us " former XXXX members whose loan payments have now changed since this transfer to XXXX. I really want you to publish my information because every person/consumer need to know and learn what can or might happen with a XXXX XXXX transfer.
Product: Checking or savings account

XX/XX/2014 A BROKER WITH XXXX XXXX XXXX, XXXX XXXX MISUSED FUNDS OF MINE ( SEVERAL ANNUITIES ) ADDING UP TO XXXX DOLLARS WHICH SHE INVESTED WITH XXXX XXXX XXXX.ONE ANNUITY IN THE AMOUNT OF XXXX DOLLARS WAS RETURNED TO XXXX XXXX XXXX BY XXXX.HOWEVER THE REST OF THE MONEY MYSTERIOUSLY DISAPPEARED.MY SIGNATURE WAS EVEN FORGED AT TIMES.WHEN COMPLAINING ABOUT THIS TO XXXX XXXX, CAPITAL ONE RELATIONSHIP BANKER NMLS # XXXX SHE CONFIRMED THAT SOME OF THE MONEY WAS MISSING, AND STATED THAT XXXX XXXX WAS NO LONGER EMPLOYED THERE.THE BANK DENIED ANY WRONG DOING. I WENT TO THE BANK SEVERAL TIMES AND WAS TREATED IN A VERY CONDESCENDING MANNER WHICH MADE ME FEEL LIKE A FOOL.I, CUT ALL TIES WITH XXXX XXXX XXXX AND TRANSFERRED THE REMAINING MONEY TO ANOTHER BANK.
Product: Credit reporting or other personal consumer reports

I discovered inaccuracies on my report per 15 USC 16c-2. The inquiries listed were not authorized by me. Kindly delete all unapproved hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Vehicle loan or lease

In or around XX/XX/XXXX, I purchased a XXXX  XXXX XXXX from XXXX XXXX XXXX XXXX During this consumer credit transaction, I was advised that I needed to put down {$2000.00} cash along with the trade-in of my XXXX XXXX XXXX XXXX The contract I signed only had my signature on it. I was not advised of my rights to rescind the transaction. 

My consumer rights have been violated several times over by XXXX XXXX and BMW Financial.

When I previously tried resolving the matter with BMW Financial, they spouted off statements about fraudulent debt elimination schemes. They even threatened to ignore my future requests although they failed to provide ALL documentary evidence as requested pursuant to 15 USC 44.
Product: Checking or savings account

Subject : Request for Assistance with Wells Fargo Account Issue Dear Sir/Madam, I am writing to seek assistance from the Consumer Financial Protection Bureau regarding a concerning matter with my Wells Fargo checking account. On XX/XX/XXXX, I received a call from an individual claiming to be from Wells Fargo, informing me that my account was being terminated due to claim submissions on XXXX XXXX and XXXX. Suspicious of the call, I contacted Wells Fargo directly and discovered that fraudulent claims had been filed on my account without my knowledge. 

Further investigation revealed that there were login attempts from three different states on the day the fraudulent claims were submitted. I clarified that I had not traveled to those states and do not reside there. While I was able to secure my online banking, the closure decision was made by the loss prevention team at Wells Fargo. I followed the steps provided by a representative from the loss prevention team to reverse the closure by contacting the claims department to address the fraud on my account. 

Despite my efforts, I encountered challenges in resolving the issue. The claims department seemed unable to lift or remove the flag that prompted the account closure. On the other hand, the loss prevention team indicated that a referral from the claims department was necessary to prevent the account closure. This back-and-forth process has been frustrating, and I have spent significant time trying to rectify the situation. 

As a loyal Wells Fargo customer since XXXX, I am deeply concerned about being penalized for fraudulent transactions that were not authorized by me. I believe that I should not suffer the consequences for actions that Wells Fargo has acknowledged as fraudulent. I am seeking your assistance in resolving this matter and ensuring that my account is reinstated without any unjust penalties. 

I kindly request the Consumer Financial Protection Bureau 's intervention to facilitate communication between the claims department and the loss prevention team at Wells Fargo. Your intervention in this matter would be greatly appreciated and will help in resolving this issue effectively. 

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

I noticed that the Credit Bureaus are not reporting the same information on my credit report among each other, which means its incorrect. XXXX and XXXX are reporting my Nelnet student loan as late when it should be as what XXXX is reporting which is current. This has caused me a lot of stress trying to fix this situation. They must hold the agencies that they collect information from to the law, and furnish only the correct information under the FCRA 623 ( a ) ( 2 ) ( B ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax today regarding my credit report. I saw that on my most recent copy of my credit report that there were a total of 9 fraudulent credit inquiries listed on my credit report from various creditors including credit cards and auto loans. I did not apply for any of these accounts and notified Equifax of this. I asked Equifax to place these inquiries under a fraud dispute investigation and was told by the representative on the phone that they can not dispute any credit inquiries on credit reports even if they are related to fraud. Equifax is in violations of the FCRA by not disputing information on my credit report related to identity theft. I am filing a complaint against this company for that very reason. A credit bureau MUST dispute anything on a credit report that is related to fraud or they are in violations of the FCRA. I demand that the following inquiries be disputed on my credit report immediately.
Product: Credit reporting or other personal consumer reports

MUST BE REVIEWED BY A HUMAN HUMAN XXXX XXXX  CEASE AND DESIST OF REPORTING UNAUTHORIZED ACCTS CEASE AND DESIST OF IDENTITY THEFT CEASE AND DESIST OF VIOLATION OF 1974 PRVACY ACT CEASE AND DESIST OF VIOLATION THE GRAMM-LEACH-BLILEY ACT 18 USC 214,18 USC   1348, [GAAP] VIOLATION, 18 USC 1028 XXXX XXXX XXXX  GRANTOR/ORIGINAL CREDITOR/BENEFICIARY/PLAINTIFF: XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX SSN-3439
 DEFENDANTS/VIOLATORS: TRANSUNION, 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 
TO WHOM: IT MAY CONCERN ACCORDANCE TO TITLE 15 6801(a)(b)(1)(2)(3)(4) PROTECTION OF NONPUBLIC PERSONAL INFORMATION ACCORDANCE TO TITLE 15 USC 1681a (2) | DIDN'T GIVE WRITTEN CONSENT TO HAVE THESE TRUST UNAUTHORIZED ACCOUNTS THEY READ:: ATTN: XXXX  TRANSUNION XXXX ACCORDANCE TO TITLE 15 6801(a)(b)(1)(2)(3)(4) PROTECTION OF NONPUBLIC PERSONAL INFORMATION ACCORDANCE TO TITLE 15 USSC 1681a (2) | DIDNT GIVE WRITTEN CONSENT TO HAVE THESE TRUST FRAUD PRIVATE UNAUTHORIZED ACCOUNTS TO BE FURNISHED/REPORTING ON MY CONSUMER REPORTS THEY READ: XXXX XXXX XXXX ACCT# XXXX XXXX XXXX ACCT XXXX  PLEASE REMOVE THESE UNAUTHORIZED FRAUDS ACCTS FROM MY CONSUMER REPORTS THANK YOU SIRS/MA'AM CLEAR VIOLATION OF THE LAW AND IMPROPER USE OF MY IDENTITY AND OF {GAAP) YOU HAVE THE RESPONSIBILTY TO REPORT ACCURATE INFORMATION ACCORDANCE TO GRAMM LEACH BLILEY ACT1681(ad2ai) thanks! TO BE FURNISHED/REPORTING ON MY CONSUMER REPORT. | HAVE FILED A POLICE REPORT CASE # AND IVE FILED An FTC REPORT UNDER OATH THAT FEDERAL NUMBER READS. IT IS YOUR DUTY TO REPORT ACCURATE CLEAR AND PRECISE INFORMATION AND PROTECT THE CONSUMER PLEASE DELETE THIS IMMEDIATELY THANK YOU VERY MUCH IN THIS MATTER ANDD IN THAT ORDER. THX IN ADVANCE GOOD SIRS/MAAM. SINCERELY XXXX XXXX XXXX UCC 1-308
Product: Credit reporting or other personal consumer reports

" According to the Fair Credit Reporting Act 15 USC1681 section 602 states '' There is a need to ensure 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 and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect theprivacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX XXXXXXXX ) is a financial institution by definition under that title. 15 USC1681 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 : by the written instructions of the consumer to whom it relates. '' ( ) 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 ( XXXX XXXXXXXX ), whether 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. " ( XXXX XXXXXXXX ) Neverinformed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumerreporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records ofconvictions 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 account amount {$1100.00} date open XX/XX/2021 ACCOUNT AMOUNT {$1100.00} date open XX/XX/2XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EQUIFAX AND XXXX  HAS SOME INACCURATE INFORMATION ON MY CREDIT REPORTS.
Product: Credit reporting or other personal consumer reports

I never gave anyone permission to report my information. This is a violation to my rights.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention several discrepancies I have identified on my credit report, dated XX/XX/year>. After a thorough review, I noticed several accounts that do not belong to me. I am seeking your assistance in promptly removing these inaccurate entries from my credit history. The questionable accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Product: Checking or savings account

I filed a complaint about JP Chase Bank XX/XX/2022 not properly handing my bank account when it came to a court ordered XXXX. The funds in my account were completely exempt from XXXX and garnishment under THE DEPARTMENT OF THE TREASURY BUREAU OF FISCAL SERVICES 31CFR Part 212.4 ; FEDERAL RULES AND REGULATIONS CFR 581.104 ( j ), 76 FR 9939, 78 FR 32099 ; and also payments made pursuant to sections 1381 et seq., of title 42 of the United States Code ( title XVI of the Social Security Act This is an update to complaint # XXXX and # XXXX that I filed with the Consumer Financial Protection Bureau that they closed and did not take my complaint serious! 

I went to court on XXXX XXXX the judge decided that the funds in my account WHERE EXEMPT FROM GARNISHMENT AND LEVY ; which means JP MORGAN CHASE IN FACT VIOLATED the rules and regulations put in place by THE DEPARTMENT OF THE TREASURY BUREAU OF FISCAL SERVICES to assure Banks do their DUE DILIGENCE when handling warrants for garnishment and levy on consumers accounts! Chase mismanaged my money, and my CIVIL RIGHTS were violated and I'm ready to file a lawsuit!! 

All discoveries are uploaded below!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Third Party Credit Bureaus Experian, XXXX XXXX XXXX XXXX : Dispute Regarding Unauthorized Disclosure of Nonpublic Personal Information under 15 U.S.C. 6802 I am writing to formally dispute the unauthorized disclosure of my nonpublic personal information by XXXX XXXX Acct Number XXXX, XXXX,. Under the provisions of 15 U.S.C. 6802, I am entitled to privacy protection regarding my personal financial information, and it has come to my attention that this right has been violated. There are XXXX accounts from XXXX XXXX on my credit report with balance of XXXX, XXXX. 
On, XX/XX/year> became aware that my personal financial information was disclosed to Experian, XXXX and XXXX Credit Bureau without my consent and without providing me the opportunity to opt out, as required by federal law. This disclosure was done in violation of 15 U.S.C. 6802, which mandates that financial institutions provide a clear and conspicuous notice of their privacy policies and obtain explicit consent or provide an opportunity to opt out before sharing such information with nonaffiliated third parties. Notification of Negative Information ( 15 U.S.C. 1681c-1 ) : Financial institutions are required to notify consumers within 30 days if they furnish negative information to a consumer reporting agency. No notification was given 30 days prior negative report was made. This account has been report Charged off multiple months. When a Charge off is only done once not every month.

I demand that you take the following actions immediately : 1. Cease and desist any further unauthorized disclosure of my nonpublic personal information. 
XXXX. Provide a detailed explanation of how my personal information was shared, including the specific information that was disclosed, the identity of the parties who received it, and the purpose for which it was disclosed. 
XXXX. Rectify any adverse effects caused by this unauthorized disclosure, including but not limited to, contacting the third parties involved and ensuring the removal of my information from their records. 
XXXX. Provide written confirmation of the steps you have taken to address this issue and ensure that such an unauthorized disclosure does not happen again in the future. 
Please treat this matter with the utmost urgency. If I do not receive a satisfactory response within [ reasonable timeframe, such as 30 days ], I will have no choice but to escalate this issue to the appropriate regulatory authorities and consider taking further legal action to protect my rights. 
I trust that you will address this matter promptly and seriously. I look forward to your timely response. 
Sincerely,