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

I would like to address the crucial regulations safeguarding consumers under the Fair Credit Reporting Act ( FCRA ). These regulations ensure equitable treatment, privacy protection, and accuracy of credit information. Section 602 ( a ) of the FCRA mandates that entities collecting and reporting consumer information must adhere to principles of fairness, neutrality, and privacy, encompassing well-known entities like Equifax, XXXX, and XXXX. As an individual subject to their data collection, I retain the right to safeguard my privacy. Furthermore, Section 6801 reinforces Congress 's intent for financial institutions supplying data to credit agencies to uphold the security of personal information.

The FCRA also outlines the necessity for written consent prior to the dissemination of consumer information by credit agencies, as delineated in Section 604 ( a ) ( 2 ). However, I have not provided written consent to Equifax, XXXX, or XXXX, contravening this requirement. Moreover, Section 6802 ( b ) ( c ) stipulates that financial institutions must inform consumers of their right to opt out of information sharing, a requirement that has not been fulfilled in my case.

Equifax, XXXX, and XXXX have reported adverse information about me without obtaining my consent, a violation of Section 1681C ( a ) ( 5 ) of the FCRA. Additionally, Section 1681s2 ( A ) ( 1 ) prohibits the dissemination of knowingly inaccurate information, which appears to have occurred in this instance.

Furthermore, the FCRA mandates that these entities establish robust procedures to ensure compliance with the law, as outlined in Section 1681e. Unfortunately, it appears that Equifax, XXXX, and XXXX have failed to implement adequate measures, resulting in inaccurate information being included in my credit report.

Consequently, I am formally requesting that they cease sharing my information, as permitted by 12 CFR 1016.7. Additionally, I demand the immediate removal of all erroneous entries from my credit report. Failure to adhere to these requests may warrant legal action for willful non-compliance with FCRA regulations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am a victim of identity theft. Fraudulent inquiries were made to my credit. I have contacted the credit bureau and sent them supporting documents to show proof and they are breaking the credit laws by not resolving this matter. Please have the credit bureau remove this item from my credit report immediately. Item listed below : XXXX ) XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I found out that I was embezzled and identity stolen to commandeer several accounts in my name. Two personal credit cards originally opened legitimately, were supposed to be closed or inactive, one for Barclay Bank, and the other for XXXX XXXX  ( see attached ). Unbeknownst to me, they were taken over by a former employee, XXXX XXXX, who charged over {$100000.00} on two credit cards by forging signatures. There were balances left on the cards, and eventually the companies charged off balances as bad debts, listing them as delinquencies, even though that was 100 % fraud. I found out through a telephone call from Barclay Bank about the first card which had a ~90 day past due balance. The XXXX XXXX  account was discovered still open with a balance after checking my credit. I notified both banks and let them know this was fraud, however they would not believe me. However they said they would listen to law enforcement if the perpetrator was charged. Due to the complexity of the case, the perpetrator, XXXX XXXX, XXXX XXXX XXXX XXXX, was not charged until this year by the XXXX XXXX District Attorney 's office for these crimes. She was charged for two class XXXX XXXX, was XXXX  and is now awaiting a XXXX  or XXXX. I have disputed both accounts since I was aware of the fraud, however the two cards are still listed as delinquencies on my credit reports. These claims were investigated by XXXX Police detective XXXX ( XXXX ) XXXX or ( XXXX ) XXXX, as well as by XXXX XXXX, XXXX XXXX a former FBI XXXX XXXX crime investigator, ( XXXX ) XXXX, email : XXXX. The accounts were actually illegally paid by the same person who embezzled from them by intercepting the mail, and paying them through a corporate account illegally, so I was unaware the accounts were being embezzled for about four years starting XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I am filing a complaint against NetCredit regarding a disputed account balance and an alleged late payment on my account. I believe that NetCredit has violated the terms of our contract and federal laws, specifically the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ), by improperly applying payments and inaccurately reporting a past-due balance to credit bureaus. 

These actions have caused undue harm, negatively impacting my creditworthiness.
Product: Student loan

My student loans were put into forebearance and in school deferment on XX/XX/year>. However I did not approve any of these changes at all. Interest has accrued substantially and nelnet still won't take my loans out of forebearance and in school deferment so I can make payments on the SAVE plan. I called on XX/XX/year> to check the status of my request that I had previously made on XX/XX/year>. However the Nelnet phone operator had no record or ticket of my previous request. I was told again the problem would be fixed in two weeks but was not able to be given an email or letter stating my request. I have accrued almost XXXX in interest because of Nelnets faults.
Product: Vehicle loan or lease

I was one of the customers that had brought a XXXX XXXX XXXX from US auto sales in XX/XX/XXXX, Im making payment on my loan and gap insurance, Then in XX/XX/XXXX I saw on the news that US auto sales had close down abruptly .I called the number that i usually call no answer until about XX/XX/XXXX I was transferred to a debt Collector XXXXXXXX XXXX.I then sent out a prove of debt they sent me back with paperwork with the wrong information of a letter and wrong account number.So my car was repo in XXXX XXXX have on my credit report a writeoff closed account but, I have reach out numerous times but was unable to find and given knowledge of what next to do.
Product: Vehicle loan or lease

On XX/XX/XXXX I contacted XXXX  XXXX   looking to settle an account that was last reported to my credit bureau XX/XX/XXXX for an auto loan I had got for my girlfriend a few years back. I explained I have been very cooperative, surrendered the car, and also provided all my personal information offering a settlement on the account for {$1000.00}. I was then told the account was with XXXX XXXX XXXX. I spoke with XXXX initially who told me the account was PAID IN FULL. Then after being transferred to XXXX the manager he told me the balance was {$6500.00} which is over {$3000.00} more than what was owed. I explained I was trying to get a home, and this account was affecting my credit. He then said they would settle for {$3000.00}. I told him the most I could do is {$1500.00}. The Next day On XX/XX/XXXX I received a notice from XXXX XXXX that XXXX pulled my XXXX credit bureau after 3 years and reported a new balance of {$4400.00} which dropped my credit score over 55 points which now makes me ineligible for a home loan. I find this to be a very savage business practice especially since I explained to the company that I was trying to get a home loan and wanted to resolve the matter.
Product: Credit reporting, credit repair services, 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 XXXX XXXX # XXXX, XXXX XXXX # 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 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: Debt collection

XX/XX/2020 I contacted Paragon Revenue Group to find out about this surprising mark that was reported to me on my Credit Reports. I spoke to XXXX who was the front person and she told me that they tried to reach me by phone calls. I never received not one message from this company. She told me the phone calls could have been marked as SPAM. Well my phone forwards ALL SPAM calls to my Voice Mail. So that is a problem from the start because I have yet to receive any messages from this organization. Then she said they sent me mail through XXXX about this but I told her I never received any mail from this company. Again, I am left in the DARK about this account. 
Next she transferred me to her manager, XXXX, and she said I should have known in XXXX that this bill was due. Well how was I suppose to know when I never received any correspondence from the company via phone calls, voicemail messages, letters, etc. 

As you can see in the attached letter to XXXX  that I was under the impression that this balance was paid off by my XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXBalance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXXT XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$740.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$860.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/ Reference XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this valid complaint against the City of XXXX Az. for willful failure to comply with the federal Fair Credit Reporting Act ( XXXX ) administered by the FTC. 

The XXXX XXXX. is in serious violation of the Federal Fair Credit Reporting Act and has no intention of correcting their actions. For the past XXXX months I had been a candidate for the entry level position of Crime Scene Specialist. I was offered Conditional Employment in mid XX/XX/XXXX by XXXX XXXX Supervisors, pending the required background check. Unfortunately, the Det. ( E. Quals ) assigned to do the background check failed me and has refused to provide to me any reason whatsoever for the failure, thus denying me Merit based employment. Whenever a credit reporting agency is used to conduct a background check, the Federal FCRA requires the reason for a failed background check be disclosed to the applicant. Quals used a credit reporting agency. This required Disclosure has put the City of XXXX in direct violation of the Federal Fair Credit Reporting Act. For the past three months I have been complaining to City of XXXX Mgmt. personnel through E-mails and telephone calls, requesting XXXX reasoning for her Neglectful decision, with no results from XXXX XXXX managers. 

I've sent XXXX XXXX Mails complaining to Phoenix Assist City Mgr. XXXX XXXX ( XXXX & XXXX XXXX ) ; her only response was referring the matter to Phoenix City Atty . XXXX XXXX. On XX/XX/XXXX I received an XXXX Mail from Atty. XXXX, Falsely stating her office is not required to comply with the FCRA. On XXXX I E-mailed Atty. XXXX attaching an XXXX sheet from the FTC mandating the FCRA requirements. The requirements ( Pre Adverse Action Notice ) include providing me with a copy of the Background Report, a summary of my rights, and info. concerning the credit reporting XXXX. No response from City Atty XXXX. None of these XXXX XXXX XXXX were complied with by the XXXX of XXXX despite my repeated attempts to obtain them. In addition, on XX/XX/XXXX I E-mailed XXXX XXXX XXXX XXXX requesting corrective action be taken ; no response from her. Also, on XX/XX/XXXX I sent an E-mail of complaint to XXXX XXXX XXXX. XXXX XXXX ; also no response. Please process this 100 % genuine complaint ASAP. I have all the E Mails referenced above plus some others. I am immediately available to answer questions and facilitate with this valid complaint. 

Awaiting your reply, XXXX XXXX XXXX
Product: Debt collection

The XXXX that is reporting on my credit report was included in my bankruptacy.
Product: Credit reporting or other personal consumer reports

I have never given consent or permission to report or share any information about me. Under the Gramm-Leach-Biley Act ( 15 USC 6801-6802 ), I have not signed any consent form allowing my information to be disclosed to non-affiliated third parties, electronically or in writing. There is no legal proof supporting the accuracy of these marks, and they have not been properly verified. 
There is no legally admissible evidence to verify the accuracy of what Portfolio Recovery Associates : Opened : XXXXXXXX XXXX XXXX  is reporting {$2000.00} on my credit files, and this agency have not validated pursuant to the requirements of the FCRA. I am complaining about the impermissible access of my credit report by Portfolio Recovery Associates, in direct violation of the FCRA. I have discovered that Portfolio Recovery Associates fraudulent account. I need proof of a wet signature of an application w/ Portfolio Recovery Associates and proof this is a credit transaction ; the agency is in violation of federal laws, and I will go legal if this is not removed. My consumer rights are being violated. Portfolio Recovery Associates accessed my credit report without my authorization or a permissible purpose as outlined under 15 U.S.C. 1681b, which regulates the legal purposes for which consumer reports can be obtained. I have been in contact with agencies via writing and have evidence on hand, expressing this does not belong to me and I am being ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit report and they said they did and stated that everything was accurate. But when I did my own investigation, I noticed that there were still a lot of improper inaccuracies on my report even after the did their investigation. For example, XXXX XXXX Account # XXXX which is a revolving credit card account type. Has all kinds of inconsistencies where it is showing that it was opened with TransUnion on XX/XX/2015 XXXX on XX/XX/2015 and XXXX XX/XX/2015 I also could see that the last reported dates the last active and last payment dates were all inconsistent. 
In accordance with the fair credit reporting act XXXX  Account # XXXX 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. it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a freeze with ALL 3 credit reporting agencies due to the Equifax breach last year. I'm finally at the point where I want to permanently remove all freezes from these accounts. I had ZERO problems unfreezing my accounts with XXXX  and XXXX but am currently trying to undo the freeze on my Equifax account and can't use their online service and their people are only in the office Monday-Friday over the phone. I need to have background checks done to move into an apartment and think that it's ridiculous that the credit reporting agency who started this whole mess for me in the first place is the one holding me up for getting a background check done to move. CAN SOMEONE PUT THE INCOMPETENT BLOCKHEADS WHO RUN EQUIFAX OUT OF BUSINESS ALREADY?!?!?!
Product: Credit reporting

The List of items below are being reported incorrectly by Transunion and some are not even my accounts. I have provided them with information just as police reports, and ID Theft Affidavit and they continue to report the information. I have also provided the same information to all the creditors too. Please help me restore my credit report to the correct information.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ), Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a major real estate loan closing and I am at risk of losing tens of thousands of dollars due to an item reporting inaccurately on my report. The XXXX XXXX Acct # XXXX is not accurate at all. In my recent disputes this item was deleted by XXXX because they realized it was not reporting correctly so I am requesting that Experian and XXXX also delete the item as well. I submitted complaints to the three main credit bureaus XXXX, Experian, and XXXX and it was deleted my Equifax. This item was verified however it is not accurate at all and needs to be removed immediately! If I lose my deposit for this house I will hold everyone accountable for harming me financially. I am attaching the loan documents for you to see it is for real. Please delete the XXXX XXXX   account # XXXX like XXXX  did for inaccurate reporting.
Product: Checking or savings account

I got no help from BMO at the transition of Bank of the West to their platform. 

Firstly, I was told that there was no guarantee that any of links would hold, because the ABA routing number was changing. In order to be sure I salvaged my perfect credit score, I had to act and relink my credit cards, utilities, paycheck, online savings, brokerages etc. to a guaranteed ABA and bank account number. As I was receiving no help from BMO, I chose at that juncture to relink to a different bank. This took multiple hours. 

I later again went into my main branch of the new BMO and asked if they could at least help me understand what my previous accounts were actually morphing into ; the nomenclature on my accounts and whether I needed a minimum required balance now at BMO. I was told that I would require a {$5000.00} minimum balance on all of my accounts, which turned out not to be true. The way my Money Market checking was structured at Bank of the West required NO MINIMUM balance. 
Another branch said that {$300.00} would suffice, so I left my Money Market Checking open with that {$300.00} minimum, only to be told by another branch that it requires {$1000.00} minimum at all times or Id be hit with a {$10.00} service fee. 
I immediately beefed my balance up to the required {$1000.00}, but that was obviously too late in the XXXX statement cycle. 
That branch manager said that he would waive the fee as a courtesy as soon as he saw it, because Id been given wrong information and rectified it as soon as I was given the correct information.

When the service fee hit, that manager did not reverse it as promised, he did nothing, thereby bringing down my balance to below the required {$1000.00} again making it assured that another {$10.00} fee would hit at the end of the XXXX statement cycle anew. 
I was out-of-state and didnt realize that he had lied until I arrived home and was able to check the account online from my desktop computer. 

I will now close that account and rescue the remaining cash in there. 

The gist of this is that I was lied to by three different branches in XXXX of 2023. 

The XXXX number is inaccessible all day and all night. 

I will next close out my Credit Card. 

Feel free to contact me, if youd like any further information. I have retained documentation of names and locations. This is not a good business model for a bank. 

I strongly recommend that no one bank at BMO.
Product: Mortgage

I have several issues with Mr Cooper aka Nationstar Mortgage. I am currently having an issue obtaining payment assistance due to unemployment. I was approved for an unemployment plan for {$500.00} a month for 6 months with XXXX XXXX in XX/XX/XXXX with a first payment due XX/XX/XXXX. I made the first payment then a week later was told my modification was rejected. After several calls and voice messages I spoke to someone last week and they stated they would send for research and call me back in 72 hours. I never received a call but got several other letters stating my modification was rejected and that I was unable to be approved for any other modifications due to 3 or more modifications. I have only had one modification to my knowledge. I spoke with a representative XXXX XXXX today who stated he would send my information for review again as he doesnt see where I have had 3 modifications either. He also stated that the reason why the payment plan was rejected was that XXXX XXXX did not offer it and it was approved in error. Please help, I do not want my home to be foreclosed.
Product: Checking or savings account

On XX/XX/XXXX, I sent almost {$1900.00} via chasequickpay ( XXXX ) to a guy who " sold '' me a PC. He told me some of the parts were still coming and that he would get back to me. He had me meet outside a shop in XXXX  and claimed it was his. Even printed me an invoice and made me sign it. I called chase and they said because its not a debit card transaction it can not be reversed. I have filed a claim before with XXXX over {$500.00} with XXXX and they were able to get me my money back, im not sure why chase isnt able to.
Product: Checking or savings account

On XX/XX/2023 I was in XXXX XXXX my debit card was stole and used to withdraw funds from my account in the total of XXXX dollars. Once I noticed my card was missing I blocked the card using online account. I called the company soon as they opened on XX/XX/XXXX explained the situation. Claim was filed. I called 2 weeks later since I heard nothing from the bank and was told my claim was denied as I could not explain how my pin number was obtained. I was then told I couldn't open another claim. The transactions we clearly not me as they were done at different ATM machines and they attempted multiple times till they reached the daily limit for withdrawals which was set at XXXX dollars which I was not aware the limit was that high. They told me they couldn't access the ATM video because I was in XXXX even though the funds were withdrawn from the same Santander bank as my ATM card is.