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

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX To : TransUnion Consumer XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Request to Place a Security Freeze and Suppress Sharing of Information Dear TransUnion Consumer XXXX, XXXX, I am writing to initiate a request under the Fair Credit Reporting Act ( FCRA ) Section 605A [ 15 U.S.C. 1681c-1 ] to place a security freeze on my credit profile and to suppress the sharing of any information related to my identity. I do not consent to, nor do I authorize, the sharing of my personal or credit information with any third parties, including data aggregators seeking to collect information about me. 

I further request the removal of my credit file and associated personal information from your data institution. Below are my detailed requests : 1. Provide My Full Consumer File Disclosure : Please provide a complete overview of my consumer file, including the set of documents, procedures, and any credit information associated with my name, addresses, or other identifiers listed in this letter. 

2. Place a Security Freeze : Immediately place a security freeze on my credit profile and suppress the sharing of any of my information with other parties unless expressly authorized by me in writing.

3. Confirm Completion of My Requests : Once the security freeze is completed, kindly confirm in writing within five ( 5 ) business days. This confirmation should include the details of the security freeze and the necessary information to verify the suppression of my credit profile and data. 

Personal Information : Full Name : XXXX XXXX Social Security Number : XXXX XXXX Addresses : Current Address : - XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX Thank you for your prompt attention to this matter. Please confirm the completion of these requests in writing and address all correspondence to my current address provided above. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Mortgage

Green Tree Loan Servicing unable to accurately account for our mortgage payments being made on time. Incorrectly reporting XXXX late payments this year when they were made within the established grace period. I can order my cancelled checks proving that. However, the loan history from their website I downloaded and attached here. 

Extremely difficult company to work with, and very rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had the same problem occur for the la st two  months. Collection agency  XXXX   XXXX  has repeatedly added an account on my credit report with incorrect statuses, balances etc. Even after having the account deleted, they add it back with more incorrect data every month causing a large reduction in my credit scores for Experian and  XXXX . Then afterwards it gets removed again only for it to show up again dropping my credit scores without prior notice or with correct data. I have called the credit bureaus and  XXXX   XXXX  concerning this issue and they are unwilling to fix the problem. This account has been removed and should not be added every month.
Product: Credit reporting or other personal consumer reports

I have had it with XXXX XXXX XXXX XXXX deceitful and unlawful activity. I have been dealing with their scamming for over 3 months now. They do nothing but scheme and lie more to cover up the original scheme and lie, in response to something. XXXX XXXX XXXX is not receiving another XXXX from me. I'm done. I am not paying them more money to take a loss on fake credits and {$1100.00} in payments. And ruining my credit for 7 years, based off a lie a payment was missed. And if XXXX is messing with my account # XXXX to respond to the complaint on XXXX, they are going to have a major issue. I shouldn't have to pay for an atty to deal with them, when CFPB has enough information already to know XXXX can't turn a collectable debt into an uncollectable debt, just by lying so they can charge it off. If I have to get an atty myself, I will. I'm done Bank XXXX XXXX! Please CFPB, hold them accountable and force them to own up to what they did. This is being added because of XXXXXXXX XXXX response to the complaint on XXXX XXXX XXXX XXXX XXXX XXXX had no right to give my account XXXX XXXX information to XXXX to start with much less have XXXX give that information to someone else. Bank XXXX XXXX was very capable of providing that information, without XXXX requesting information on account # XXXX themselves. Why is a third party debt collector so interested in getting information on an account they don't own, XXXX XXXX XXXX? XXXX needs XXXX to respond about an account that isn't delinquent that had nothing to do with the actual complaint, why? How is it legal for XXXX to just give anyone information about an account they have no reason to have information on? And the fact that Transunion filed a fake dispute on it, that I never did, because there is absolutely nothing to dispute. I am providing the actual dispute that is still sitting open. Along with proof Transunion has blocked me from accessing the statement, so I can not do the 100 word statement I have a right to be able to do. Why is XXXX responding to a complaint on account XXXX XXXX  they do not have, instead of actually responding to the complaint on account XXXX XXXX XXXX is also 100 % aware that XXXX XXXX  is not the " second account '' I was referring to. This is being added before XXXX XXXX XXXX comes up with more lies and fake documents.
Product: Mortgage

On XX/XX/XXXX, I set up auto pay with M & T Bank. I was not told that the payment wouldnt start until XXXX. I went through all company policies about auto draft and it doesnt say anywhere that it doesnt start until the next month. I have pdfs to show that. So mid XXXX got here and I notified on my personal bank account statement that my mortgage didnt come out for XXXX and XXXX. I asked why and was told that when you set up auto pay, it doesnt start until the next month. Again, I was not told that to begin with. So I asked if thats the case why did XXXX not come out and her answer was because XXXX wasnt paid so they couldnt pull XXXX payment. I asked why I never received a phone call or email letting me know. She said that they had called me several times and never go an answer. So I asked what phone number they had on file. She read me a number that wasnt mine, I have no idea whose number it was. So I asked what email address was on file. Also wrong. I then asked for a letter stating that they had the wrong contact info on file so I was not able to be notified and make my payment. I never got a call, email or letter in the mail letting me know it wasnt paid. I called back later to check on the status of the letter and the lady told me it was postmarked and I should receive it soon. After giving them the correct address, I received a letter stating there was nothing they could do to help. Im not sure why they didnt just tell me that over the phone but instead left me waiting for a letter that wasnt even what I was expecting. If I hadnt noticed the payment didnt come out, I would have never known because they had all the wrong contact info. The day I originally called, I made the payments for XXXX and XXXX over the phone. They kept offering me payment assistance. I continued to tell them I didnt need that, that my auto pay just didnt go through but never got them to understand. To summarize, I set up auto pay. Was never told it wouldnt come out until the next month so XXXX payment was missed and XXXX wouldnt have been paid if I wouldnt have called. They had the wrong contact info on file so I never got notified. And now my credit has drastically dropped, along with my moms who co-signed for the loan. Again, I have pdfs from their policy and nothing states that the payment wont be made until the following month.
Product: Debt collection

I do not have a contract with Credit Control, Account # XXXX and do not owe this debt collector the stated {$18000.00} as reflected in the email correspondence they keep sending me, the consumer. The original creditor, XXXX XXXX XXXX XXXX, has charged off this Account # XXXX as of the following date : XX/XX/23. This debt has been charged off by the original creditor, which means that the debt has been paid and is considered income. Since a Charge-Off is considered income, it has to be removed as well. Income can not be reported on credit files according to IRS regulations as they are considered a certificate of indebtedness and it is possible that a 1099-C will be issued. I kindly request assistance in reviewing the charged off amount associated with the original creditor and also request that an inquiry be made to the third-party debt collector, Credit Control for actual verification and validation affirming that they have a contract with me bearing my signature. XXXX XXXX XXXX XXXX AND CREDIT CONTROL in accordance with the Fair Credit Reporting Act have violated my rights. 15 U.S.C 1681 Section 602 A. states I have the rights to privacy. By providing misleading information, this has affected my ability to receive credit and I demand that this erroneous debt be removed from my credit file immediately.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax continue to record XXXX  XXXX  on my credit report even after a letter I sent to XXXX  opting out on XX/XX/2023. My option to opt-out follows 12 CFR 1016.7 Form of opt-out notice to consumers ; opt-out methods.

( a ) ( 1 ) Form of opt-out notice. If you are required to provide an opt-out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt-out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt-out right.

Additionally, according to the Fair Credit Reporting Act 15 USC 1681 section 602a " 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. '' XX/XX/20XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AZ XXXX Dear XXXX XXXX Per the FCRA as a Federally Protected Consumer, I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal, and non-verbal per 15 USC 6802. This is effective immediately and indefinitely. 
Thank you, With my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial XX/XX/XXXX Paid Auto XXXX Off Received Email from Ally to Confirmation # FYI XX/XX/XXXX Received Email Your Title / Lien has been Released Your State DMV will Mail you your Title On XX/XX/XXXX or XX/XX/XXXX My Son Receive call from Ally Payment Loss/Missing/Returned I have called Ally Several times to Speak to the Legal Dept. or Give me A Number No Call Backs 2 months Later Our Credit Scores Drop XXXX points Contact 3 Credit Companies 3 weeks later everything is back to Normal 4 weeks Later Ally is Reporting Late Payments I / We Don't Have Late Payments Ally / They Have A Serious Issue See attached Below FYI
Product: Credit reporting, credit repair services, or other personal consumer reports

My right to privacy is being violated by LexisNexis, in accordance to 15 U.S.C 6801 ( a ) FCRA. I have the right to privacy of my personal information. I find the obtaining, selling, and furnishing of this XXXX  XXXX XXXX  information to be an invasion of that right and demand that the bankruptcy accounts be removed immediately from my consumer report.
Product: Credit reporting or other personal consumer reports

I have identified the following unauthorized inquiries, which I have not approved. These inquiries must be removed immediately as they violate the FCRA 's mandate for accurate reporting. 

Unauthorized Inquiries Equifax Listed below are the Inquiries that are being challenged INQUIRY - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

In XX/XX/XXXX, I had a flat tire and drove up to a gas station to get air in my tire. I used my SunTrust debit card to pay {$1.00} for the air. After swiping I waited for the air pump to work and it never did after I waited for over 5 minutes then I swiped it again and still nothing. I noticed the next day when I checked my SunTrust account that my account was overdrawn by {$75.00} which was an unauthorized transaction made on my debit card. I contacted SunTrust Bank the same day to advise them that the {$75.00} charge was nothing that I had done, this was an unauthorized charge and I began the dispute process with SunTrust Bank immediately. I have completed every step SunTrust has requested in trying to resolve this matter and get my money back to no avail. In the process of this dispute period SunTrust left my account in the negative and closed it as if I had done something wrong, never giving me an answer as to why my money was'nt given back and why the account was closed as well as asking me to pay the negative to bring the account current when I did not overdraw the account. This was fraud and I am being treated as though I am the criminal. Lastly, they have placed this fraudulent negative balance on my credit report. Please help me get this situation resolved and corrected. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Santander is reporting that I am currently 40 something days past due. Something is wrong with my billing on this account. I pulled all of my statements and this account should be current with my next payment only being {$750.00} owed XX/XX/XXXX. I performed an audit on my account. If you look at my statement for XX/XX/XXXX a payment was made to the account in the amount of {$3000.00} on XX/XX/XXXX from my warranty company ( I cancelled an extended warranty ) and Santander applied this to my account. After that payment was made the next payment due is for XX/XX/XXXX as shown on my XX/XX/XXXX Statement. Pulled my XX/XX/XXXX statement and says I am past due for {$1500.00}. I made XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$770.00}. XX/XX/XXXX statement says I am past due {$1400.00}. I made XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$750.00}. Then I made XX/XX/XXXX 's payment on XX/XX/XXXX in the amount of {$800.00}, bringing the account current and I would owe only {$750.00} on XX/XX/XXXX. You can see on XXXX 's Statement they for some reason re-applied this {$3000.00} payment four months later and then returned it- which I am assuming they applied it incorrectly the first time in XXXX resulting in my account being delinquent and putting me at risk for losing my car and ruining my credit. This in my opinion is not fair to me that I was put in this situation when I was paying on time per what I saw in my account- I feel as though I am being deceived on how they went about this. I have chatted with Santander and kept getting disconnected, I have called with my most recent call being today XX/XX/XXXX at XXXX and the agent sided with me whom I spoke to but informed me his manager thought otherwise that I in fact owe the past due and that they will not correct the problem, and I have sent messages through my account on XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX, and XX/XX/XXXX at XXXX with no resolve to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

First Federal Control has directly violated the regulations of the HIPAA Act of 1996. As I never signed a HIPAA form to authorize them to have access to the personal health information that was sent. Theyre saying they have an agreement with the company. 
They also have not provided any signature From me, therefor violating the fair credit reporting act section 609. 
I am sending in my last request to remove these items from my credit report Without any further action by me. If not, I will be moving forward with HIPPA Complaints, FCRA complaints and any possible legal action. I want it noted that Ive made First Federal Control aware of the violations and they have chose not to do anything about it. 
Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax This is a formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the data furnisher, where their organization has made inquiries into my credit history, to have these illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed. 

XXXX ( XX/XX/XXXX ) NA illegal inquiry removed immediately from my report XXXX  ( XX/XX/XXXX ) N/A illegal inquiry removed immediately from my report XXXX ( XX/XX/XXXX ) N/A illegal inquiry removed immediately from my report XXXX XXXX ( XX/XX/XXXX ) N/A illegal inquiry removed immediately from my report Ive disputed these inquiries on ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) yet you verified them.
Product: Credit reporting, credit repair services, or other personal consumer reports

IDENTITY THEFT HAS TAKEN PLACE AND OPENED A FRAUDULENT ACCOUNT WITH XXXX XXXX. XXXX XXXX FOR {$1000.00} COLLECTION AGENCY CREDIT VISION IS REPORTING TO TRANSUNION CREDIT BUREAU
Product: Credit card or prepaid card

Dear Sir/Madam, Two charges dated XX/XX/XXXX and XXXX, 2020 to XXXX for {$40.00} and {$100.00} are fraudulent and should be removed from the account. These charges were never authorized by me nor by the primary account holder. These charges were removed two months prior by chase following my complaint to chase, and then again appeared on the credit card current statement. The phone number listed next to the so called merchant does not even work [ XXXX ]. It took me over a dozen calls to Chase, each time after i : repeated the same complaint over and over again and again. Eventually about a month ago, someone by the name of XXXX from the executive office of Chase, tell number XXXX XXXX XXXX X XXXX called me and said 1 : ) that they will remove both {$100.00} and {$40.00} charges from the account, 2 ) will remove the interest charges, 3 ) and will give me {$100.00} courteousy credit due to this inconvenience Chase caused me. About 10 days ago, i : checked the account and only found out that {$100.00} was credited back to the account labeled as so called courteousy credit when it was my own money. Please note that i : had previously send to chase fraud department prove of the merchant 's acceptance of returning my monies, see attached. When i : found that, i : called XXXX and left her a message to call me back, XXXX at or about XXXX XXXX  XXXX on XX/XX/2020 called me and told me that she never agreed to give me {$100.00} courteousy credit plus return of two charged of {$100.00} and {$40.00} as well as the interest charges. i : objected and i : said if this thing gets to a court or to CFPB, the phone conversation that Chase advised me that was being recorded, will be subject to subpoena. i : don't know what happened nor is it important as to what happened that Chase changed its mind, perhaps and most likely, they feed off the misery and frustration that they cause the people of this Republic. i : expect CFPB to get all my monies back from Chase plus compensation for my time and frustration with this so called Bank. 
Thanks, XXXX XXXX Tel : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Department of Education has failed to place the correct loan status of forbearance on my credit reports with XXXX, XXXX, and Experian XXXX XXXX XXXX XXXX has failed to furnish all Promissory Notes and Master Promissory Notes and all Payoffs received on all loans be serviced by XXXX XXXX XXXXXXXX Department of Education.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kindly remove all late payments on my account. I have paid my balance and current. This is affecting my credit score.
Product: Checking or savings account

Wells Fargo sends an email about a negative balance and allows you to bring the account current before XXXX XXXX XXXX, per the email. However it has been on several occasions that I have transferred money into the checking account from my savings and somehow still end up accruing an overdraft fee. What I have been noticing lately is that as I'm using the account I monitor every transaction and transfer money as needed, then when it's the next business day I end up being extremely overdrawn. Over {$150.00} every time. How is that possible if I'm constantly transferring funds to cover almost every transaction. Then when I get paid Wells Fargo takes more of my money. Some how they email me saying I got paid early and my available balance but by Friday online banking shows I'm over {$300.00} overdrawn and it takes those funds from my now posted direct deposit. Something just doesn't make sense how is Wells Fargo taking so much money from me no matter how much I monitor my account. I need every cent of my money as I am currently homeless. I have the emails that show about being overdrawn and having a grace period to bring it current. I am positive that Wells Fargo can access the OLB and see when I've been transferring funds, to show that it's consistent. I have gone to the extreme of turning off and on my debit card to avoid the account overdrawing or something going through when there is no funds to cover it. Although, I am aware that I am 1 of billions of account holders if we can not come to a resolution then I would rather close my account.