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

Dear PORTFOLIO, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and the Missouri Credit Reporting Act. 

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

In addition to federal law, Missouri state law provides specific protections for consumers regarding credit reporting. These laws emphasize the necessity of consumer consent for credit reporting and establish clear guidelines for the fair reporting of consumer credit information. 

I assert with unwavering certainty that I have not provided consent for PORTFOLIO to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 
I demand, with the utmost certainty, that PORTFOLIO immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Missouri Credit Reporting Act. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

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

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

Done in good faith.
Product: Mortgage

I have contacted Freedom Mortgage Corporation on XXXX separate occasions to remove my PMI insurance since we own more than XXXX % of our home. I have submitted a written request to Freedom Mortgage to remove it. They then requested an appraisal, which I also submitted. However, since I did not use one of their vendors for the appraisal they denied my request. They are now contacting me to try and barrow me more money because they have an " updated '' value of our home. All I want is my PMI removed. The customer service has been terrible. 

Purchase price of home was {$160000.00}, principal as of XX/XX/2016 was {$130000.00}. We are still getting charged PMI.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lvnv Funding ; I believe they are a credit reporting agency that is reporting on my credit report I sent two dispute letters requesting validation to the agency with no response. The first letter was mailed certified and signed for on XX/XX/2018 the letter stated you claim I owe {$720.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. I did not receive a response or validation. I sent a second letter certified that was also signed for on XX/XX/2018. 

This letter explained By not replying in a timely manner to my initial letter on XX/XX/2018 ; you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.
Product: Bank account or service

On XXXX XXXX & XXXX XXXX someone accessed my checking account and withdrew {$300.00} from my account each time at a WFB ATM machine in XXXX CA. This person did n't use my debit card as it was in my possession the entire time. WFB called me on XXXX XXXX via an automated phone system that hung up on my twice before finally completing the call and informing me of a problem with my account but did n't what the problem was or which account was involved. I called them back and after many frustrating minutes the operator told me someone had used my debit card ending in XXXX to access my checking account ending in XXXX and took money out of my account. I told them it was n't me and the charges were fraudulent. A claim was filed and I received an email stating that fact. 

On XXXX XXXX I called WFB again and asked about the claim. They said I had never spoken to the claims department and I needed to go through all of the same information again that I had given the operator on XXXX XXXX. This was not true since I had given all required information to the representative I spoke with on XXXX XXXX. This is another example of how dysfunctional WFB is in their operations and how they use the " multiple department game '' to mislead and delay resolutions for customer service issues ( another example of this is how they handle flood insurance ) Once giving all the information I was told that they would complete the investigation now and that I would receive my money back that same day or no later than Monday. 

At XXXX XXXX PST I received an email with a subject line of " Wells Fargo Claim XXXX : Investigation Completed '' and that " We have completed our investigation of this claim and determined that an error did occur. We have sent a letter by mail with the details of our investigation. '' At XXXX XXXX I received another email with a subject line of " Wells Fargo Claim XXXX : Provisional Credit '' that contradicted the first email stating " We are processing a temporary credit to your Wells Fargo account XXXX. This credit is provisional until our investigation is complete. '' I called Customer Service and they said the email was in error yet I have not received my money back. 

XXXX has a XXXX liability fraud policy mentioned on their website that they are not in compliance with as described at their website ( XXXX ) under the Poweful Protection Features. This card and account do not have " Powerful Protection Features '' and is no different than my ATM card for my Credit Union. WFB is mis-marketing their cards as being safe when they are not. Someone cloned my card at a gas station and WFB did nothing to stop it. They are withholding my funds now pending their investigation per their last email with me. This national bank continues to mis-market their services and mis-treat customers such as myself with their unethical practices and poor customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. Equifax handled the situation horribly. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for only the most dedicated users to figure out. 

I have never chosen to do business with Equifax and yet my personal data has been breached because they do business with others who I do business with. This is intolerable that data can be stolen without the knowledge of the individuals put at risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a dispute concerning reporting of all three credit reports not showing on my Experian account. I was unable to see all three because of information not matching on the reports. I was told to fax over information from both XXXX and XXXX showing the most recent reports and to send over personal documentation. I have done so a week later. I am still til this day not able to see all three reports on my experian.com page. I would like to get this matter resolved as I have done all I was instructed to do on my behalf. Please assist in helping me be able to see my reports. The complaint numbers for each bureau are as follows : Experian- XXXX, XXXX- XXXX and XXXX- XXXX
Product: Credit card or prepaid card

On XX/XX/2023, I purchased a {$200.00} XXXX gift card. The service provider is Vanilla. The company 's website states the card can be used online or in stores. I attempted to use the card online and the charge was declined. I went to Vanilla 's website and attempted to double check my balance; assuming maybe they held the funds but the website stated there was a system error. I contacted the customer service number on the back of the card. I waited on hold yesterday for 2.5 hours with hold music and never got to speak with a representative. I attempted to use the card again today and it was declined again. I tried the number on the back of the card again and have been on hold for over an hour. After researching the company, there are multiple complaints of fraud with this company stating the cards can't be used after purchase, funds disappear from the card after customers attempt to use it, and customers are never able to get in touch with a customer service representative to assist them after the card is declined. I, like many other consumers, want our money back from this fraudulent company.
Product: Money transfer, virtual currency, or money service

i opened a new cash app after they closed my 1st cash app i had for years uploaded id to get verified to use the platform and every time i have a issue with them i get the run around with no resolution this particular ( XX/XX/19 ) instance my XXXX is not working i inquired on the problem they tell me to verify i told them i have already whats the issue they inform me that to use that feature i have to be verified i informed them i have been using the feature can you not see my account they ignore that and say send in your information again. MY thing is if i already sent in the same information what are they doing with it i see alot of ppl accts get hacked because they want front back and selfie. they ignore that as well whos in charge of cash app where does our information go and why do we have to keep giving them our information. they always say they will email me i never receive an email this company just seem bogus and it seems like they just collecting peoples information.
Product: Debt collection

My billing was set at {$110.00} per month, and whenever I called to terminate the account the XXXX transferred me to their Retention Dept. We would come to agreement to keep the billing at {$110.00} per month ( see statements attached ). However, in XX/XX/2022 billing the amount due was {$200.00} ( see statement ) I called and again they transferred me to Retention and promised to set back to {$110.00}. This time I told Retention I wanted to terminate services I could not waste time calling every six months. I requested return authorization of equipment and sent back ALL equipment by XXXX ( see attached ) See XX/XX/XXXX statement for the final payment I made {$130.00} however they were charging my account far above the amount Retention  and I had agreed. XXXX or Sunrise needs to review the calls made with XXXX Retention ' and STOP making verbal agreements to reduce the billing just to keep customers - false statements were made by Retention Dept . and the Retention Dept never made the adjustments to the account once I told them I was going to terminate.
Product: Credit reporting or other personal consumer reports

I received my credit report from EQUIFAX, XXXX XXXX XXXX on XX/XX/XXXX and notice there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that dont have no purpose to be on my credit report. 

XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX  Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't authorize ( authorization ) too view or pull credit ( Identity Theft Victim - Equifax Data Breach ) ... 

Inquiry details XXXX XXXX XXXX XXXX XXXX from XX/XX/2018 Complete Dept. XXXX XXXX XXXX, XXXX XXXX   XXXX from XX/XX/2018
Product: Credit reporting or other personal consumer reports

This is my 2nd 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 an 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax '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 's recent administrative proceeding the account is accurate without previding 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, Equifax '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 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked inaccurate XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX Current Creditor : LVNV Funding LLC Original Creditor : XXXX XXXX XXXX. Re : XXXX XXXX XXXX. Original Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute the validity of the debt associated with the above-referenced account number, which was previously held with XXXX XXXX XXXXXXXX XXXX and has since been sold to your collection agency. I received a communication regarding payment options, but I have several concerns about this account that I would like to address. Firstly, I was not properly notified of the transfer of this account to a collection agency, and I would like to request validation of the debt, including the original loan agreement, a full account history, and the documentation of the transfer of this account to your agency. Secondly, I believe there may be inaccuracies in the reporting of this account to the credit bureaus. As such, I am requesting that you provide me with all relevant details and investigate any potential errors. If this debt is found to be inaccurate or unverifiable, I request that you promptly remove it from my credit report and notify the relevant credit reporting agencies of the correction. I appreciate your prompt attention to this matter and expect a response within the timeframe stipulated by the Fair Debt Collection Practices Act ( FDCPA ). Thank you for your cooperation. Sincerely, XXXX XXXX XXXX
Product: Debt collection

I recently discovered LVNV Funding LLC is still reporting an alleged debt on my credit profiles with all three major credit bureaus without my prior knowledge or consent in the amount of {$1000.00}. I am writing to dispute this debt and request its immediate removal from my credit reports. I have not been given a proper opportunity to verify or dispute this alleged debt prior to its reporting. Reporting unverified information to credit bureaus violates the Fair Credit Reporting Act and Fair Debt Collection Practices Act. I do not acknowledge this debt as valid or accurate. To properly investigate this matter, I require the following documentation within XXXX business days : XXXX form verifying authorization to open the original account as well as the XXXX which authorized the opening of an account with LVNV/ All correspondence records related to this account / Original account application and documents proving the debt belongs to me ( not a random statement that could have been found in the trash ) / Verification if this debt was assigned or purchased by LVNV Funding / Regulation F disclosures/ GAAP accounting for this account showing credits/debits for the original creditor and new LVNV account. Without this documentation, I can not verify my responsibility for this debt. Continuing to report it violates my rights under FCRA, FDCPA, GLBA, and TILA. I do not consent to LVNV Funding sharing my private financial information. This letter serves as my refusal to pay and cease and desist notice for all collection efforts, including credit reporting and litigation. Remove this account from my credit reports immediately. Failure to comply may result in legal action against LVNV Funding for violations of consumer protection laws. I expect a timely response addressing these concerns. Any further attempts to collect without proper verification will be considered harassment.
Product: Debt collection

This debt is not mine and has previously been removed from my XXXX Credit report. This company " North American Recovery '' continues to keep putting this collection account on my credit reports even after they have failed to provide proof this account belongs to me. In fact they have deleted the collection account on my XXXX credit report then they resubmitted it on my XXXX credit report. I disputed it on XXXX credit report, but XXXX stated it was verified by North American Recovery but both companies have failed to show how it was verified and refuse to show proof this disputed account belongs to me after several attempts of requesting the information. These companies need to be held accountable for their false reporting of collection accounts. I am requesting North American Recovery provide proof this collection account is valid and belongs to me. I request they provide me with a document bearing my signature showing I am, the responsible party for this debt. When they fail to provide such information, I request this false collection account be IMMEDIATELY DELETED from my credit file until such document can be provided bearing my signature.
Product: Debt collection

I have no knowledge of any of these two accounts : North American Recovery ( NAR ) and XXXX XXXX XXXX ( XXXX ). Please send me " evidence '' ( i.e. a contract directly with NAR and XXXX ) that I have done business with them. If not, they need to be removed in its entirety and without delay. Additionally, I did not approve of the attached inquiries as I did not authorize these companies to run my credit as I am particular on who views my credit history.