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

This company has violated my rights. 
MIDLAND CREDIT XXXX Account # XXXX 15 U.S. Code 1692g Failure to VALIDATE debt. 
15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
15 U.S.C 1681 section 602 A. states I have the right of privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692 ( B ) ( 2 ) not state that such consumer owes any debt ; 15 U.S.C 1692 ( B ) ( 4 ) not communicate by post card.

15 U.S.C 1692 ( B ) ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
Product: Credit reporting or other personal consumer reports

There are a lot of UNAUTHORIZED and FRAUDULENT inquiries on my credit report ( XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XX/XX/2023 ). I am not the one who initiated these inquiries. I am submitting a complaint regarding this inquiries and for assistance to REMOVE them from my credit report immediately. 

These inquiries got tripled compared to my last credit report. Please don't close this complaint and mark is as a duplicated complaint because I need them to be removed badly.
Product: Bank account or service

I had a car loan with XXXX XXXX XXXX and authorized them to debit my my Wells Fargo checking account one a month to pay my premiums. My checking account debited each month with no problems. On XXXX/XXXX/2012 my car was repossessed by XXXX. I reported my vehicle as stolen.The police found out it was repossessed. I called the bank and was told they have not submitted my payments because a letter was sent to me stating that I need to report to the bank to let them know who is authorized to debit my account. I explained I never received such a letter. They said they were putting my payments into a holding account until I reported to the bank as the letter instructed me to do. I explained I never received the letter and could they send me a copy.. They said no. I reported the matter to a bank representative and me some call on my behalf but was unable to get anyone wllling to send me a copy of the letter. 
I made several more attempts to get a copy of this letter and was finally told recently their never existed such a letter. I was deliberately misinformed by Well Fargo Bank.My vehicle was repossessed because XXXX did not receive 2 payments prior to the repossession date XXXX/XXXX/2012. I did not receive any notifications from either XXXX or Wells Fargo bank my account was in jeopardy. My credit was destroyed because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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: Mortgage

A & D required during the closing process that real estate taxes and homeowners insurance premiums are held in escrow. The problem is, there is no way to get them to pay the insurance company or tax company. They are sitting on my money and now I have to pay out of pocket to the insurance company ( after receiving an extension over the issue ) to ensure I do not have a lapse in coverage. They don't respond to any request for anything. I have escalated it within the company with no response. This is gross incompetence on their part.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 
My SSN # XXXX. Date of Birth is XX/XX/scrub>XX/XX/XXXX 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed Debt Information to any credit Bureaus or reporting agencies. I do not consent or give permission for your organization to release any information in regards to my credit profile. 
I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within 30 days of receipt of this correspondence. 
I have notified XXXX, XXXX and Equifax regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a Security Freeze. 
I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and correct.
Product: Student loan

I have a loan with NELNET LOAN SERVICES. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and NELNET LOAN SERVICES with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquiries that I did NOT authorize, there are several car and finance companies I did NOT authorize. I authorize one company and these unauthorized companies started weighing in on my credit report UNAUTHORIZED!!!

I even contacted the Bureaus for removal, was in contact w someone through email and messaging she never responded back from XXXX its ridiculous. Tried through internet for XXXX and Transunion!
Product: Credit reporting

I got in touch with XXXX yesterday to discuss getting a mortgage. I discovered today that my credit report was negatively affected by my inquiry with them. I do n't understand why I 'm being punished for trying to acquire necessary mortgage information. Checking credit is part of acquiring a mortgage, and I do n't see why people should not be allowed to make any necessary inquiries they want. It 's my credit. I should be able to check it as often as I 'd like and allow it to be checked as often as it needs to be. I do n't understand how something so important to making big decisions in a person 's life can be so easily negatively affected. I want this drop in my score to be expunged!! This is unfair treatment for doing something that is far from any sort of irresponsible behavior!
Product: Money transfer, virtual currency, or money service

I purchased items from XXXX that were lost in the mail. I notified XXXX immediately who claimed that they contacted the shipper and initiated an investigation, and that they would contact me with a resolution. They never did. I contacted them again and they said they would process a refund but they never did. I told PayPal what was going on under their buyer protection policy, but they resolved the dispute in favor of XXXX. Ive filed numerous appeals but they contend that they will not refund me. They have asked I contact my financial Institution knowing that my item was lost. Unfortunately my XXXX XXXX is saying that when you purchase via PayPal you waive right to dispute because its peer to peer transactions. But I simply made a purchase not sending more to a friend.
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 XXXX XXXX XXXX. XXXX XXXX XXXX. State of mi office chi 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: Checking or savings account

On XX/XX/18. Wells Fargo charged me 2 over draft fees of {$35.00} and when I spoke to the agent she said the fees added to {$78.00} dollars. When you add XXXX twice it should come up to {$70.00}. I spoke to the agent asking why am I being hit twice with over draft fees in a period less than 24hrs. He stated it was two different transaction. I asked to drop one of the fees. His reply was no. Whenever this bank realize that customers have money in their account they try different tactics to steal money from them. I am so tired of Wells Fargo unethical behavior and I am STRUGGLING MOM, trying to make ends meet with that XXXX I had to pay my water bill that has been turned off for the past 2 days, with me having small kids. I would greatly appreciate it if one of the fees can be recredited or all back to my account, so I can pay my necessary bills. 
Thanks in advance,
Product: Checking or savings account

A friend decided to use my card and rent a car from XXXX I was a little upset at first but I got over it. But she picked it up at XXXX XXXX  and at XXXX that same morning it broke down she could n't drive it had no brakes. We called the guy we rented it from and he said he would swap it out for another vehicle seeing the rental agreement was for 3 days at the sum of XXXXwell we never got a replacement in fact the car sat in the place it broke down for almost 10 days until someone stole it ( have report ). Bank of America refuses to credit my account and closed the case without even asking me for my side of the transaction. Nice research dept.
Product: Credit reporting, credit repair services, or other personal consumer reports

" Cbna '' has a hard pull on my XXXX credit report. No address is listed, the date was XX/XX/XXXX. I do not recognize this hard pull at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

We keep receiving in the mail from XXXX XXXX XXXX our credit scores. They are very low. We have paid every bill and have receipts as proof of payment this includes, Housing, Car, and Credit Cards. My  wife XXXX received credit scores of XXXX and one of them was from the company where we make car payments XXXX XXXX XXXX. We have made 54/84 car payments and our current on payments. We have made all credit card payments and current on payment. We have mailed the statements from the credit burea with a letter regarding FCRA violations not reporting payments and or inquiries. I think we need the credit bureaus and ourselves to show up in a legal setting so that I can bring all the paid receipts and file a formal complaint. The credit bureaus have also reported we have lived at addresses we never lived at.
Product: Student loan

Pioneer credit was supposed to rehabilitate my loan last year in 2020. They instead tell me by phone to keep making payments. When I request information in writing they don't respond at all. I spoke today to XXXX and she said my file is in review. She said they don TV send letters. How is that legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I bought my first home in Connecticut in XXXX or XXXX someone who was involved in the process was a woman named XXXX XXXX who worked with Wells Fargo. I did not maintain any sort of professional relationship or communication with this woman outside of that transaction. Fast forward to XX/XX/XXXX, I'm receiving an email about Mortgage Rates from XXXX XXXX at XXXX Bank. I've never given my personal information ( email ) to them for them to spam me so why am I receiving this email? And I find the timing of her email to be extremely suspicious considering I'm in the early phases of applying for a mortgage exclusively with Wells Fargo. I emailed her back and asked why I was receiving this email? She deliberately ignored me for 2 days until I pressed her for an answer. Probably because she knew she was in the wrong. Sounds like she stole my email that I gave in confidence to Wells Fargo and is using it to gain clients at XXXX Bank. I didnt give out my email to Wells Fargo XXXX that she could take it to other companies. That's misappropriation of private data. What other information of mine has she taken from Wells Fargo? This is extremely inappropriate. So I filed a XXXX XXXX XXXX complaint against Wells Fargo and XXXX Bank. 

XXXX XXXX with Wells Fargo called me concerning my XXXX  complaint and her response was pretty insulting. She told me I should talk to XXXX Bank. I said I'm not interested in your opinion on what XXXX Bank might say, I'm asking you what your company policy is on training your employees to not give away company data. I've worked for major corporations and they usually have you sign forms and do compliance training a few times a year to teach you not to give out " company secrets '' and client data. I asked XXXX if they have any of this compliance training in place. XXXX was not able to tell me about any policies or any rules governing customer data. In fact she went out of her way to avoid the question as if there is no policy governing this, which tells me Wells Fargo probably sells my data without my consent. I should have recorded the conversation because her answers were wildly inappropriate and not constructive. She hinted that my email might be given to marketing, and insinuated that the woman at XXXX bank who has my email might be in marketing. I said no shes not a marketer ; shes your competition, she use to work here at Wells Fargo and took your client data with her. How is that acceptable? And the woman on the phone at Wells Fargo couldn't speak to that at all. Wasn't apologetic for what happened. Wasn't trying to do anything to rectify the situation. Then she tried to pass me off to the consumer financial protection bureau. So here I am filing a CFPB complaint against Wells Fargo for not protecting my private data. I didnt give my private email to Wells Fargo XXXX give out to other companies. This is not acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in dispute with Freedom Mortgage since XXXX of 2019, I have disputed the contract upon which the credit was created to place a mortgage upon my residence. Instead of trying to resolve the matter they have decided to ruin my credit by reporting negatively to all three of the major credit reporting agencies. They have reported the disputed account as delinquent or late instead of disputed. I have told them that what they were doing was illegal and that as long as the account was unresolved in dispute they can not report it as an attempt to harm my credit. They continue to report the account in a negative manner, thus ignoring, my dispute and the Federal Statues that protect me as a consumer. 

I have sent a package to your office with all of the documents regarding my dispute with Freedom Mortgage, I am sending this additional complaint because I received a credit alert and when I checked it Freedom Mortgage had placed another derogatory entry on my file.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/2024 Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX  . I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payment for XX/XX/2024 was made on time, which falls well within XXXX 's 15-day grace period. The payment was not 30 days late, and therefore, it should not have been reported as such. 
Clerical error by XXXX : The creditor processed my payment on time, but due to an internal system error, the payment was incorrectly marked as late. This caused an inaccurate 30-day late report to the credit bureaus, despite timely payment. 
Evidence provided : I have attached the bank statements and payment confirmation emails, which clearly show that the payment was processed on time. This evidence confirms that no delinquency occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

What will it take for XXXX XXXX XXXX to XXXX XXXX as XXXX  in XXXX informed me that under my social security number you have XXXX of mine there? 

For investigation, XXXX XXXX XXXX XXXXXXXX XXXX title - XXXX PLEASE REVIEW BELOW, XXXX XXXX XXXX XXXX. / ID THEFT FAKE - XXXX FAKE - XXXX XXXX XXXX Michigan department Treasury XXXX XXXX XXXX XXXX XXXX Michigan dept of Treasury XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - FAKE PLEASE LOOK INTO TO ADDRESS THE XXXX OF MINE XXXX SAYS YOU HAVE THERE UNDER MY SSN.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute due to an account being reported as negative showing up in my credit report when its an old closed account. I do not owe anything on this account and i have the proof. I will attach the letter from the account so you can see the reporting is incorrect. Please remove any negative remarks or accounts related to this creditor. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I sent this email XXXX on XXXX XXXX, XX/XX/XXXX and again on XXXX XXXX, XX/XX/XXXX and finally I resent it for a XXXX time to a board member who finally forwarded it to XXXX XXXX. I spoke to his representative on XXXX XXXX, XX/XX/XXXX who actually attempted to blame me for this entire fiasco. 

That said I feel as if I was taken advantage of by this company and would like for you to XXXX correct these practices as well as seek remuneration for me. 

Thank you in advance for your immediate attention to this matter. 

XXXX XXXX XXXX : XXXXXXXXXXXX : XXXXXXXXXXXX : XXXX/XXXX/XX/XX/XXXX XXXX XXXX Eastern Daylight TimeSubj : Issue with bonus pointsTHIS E MAIL IS INTENDED FOR XXXX XXXX XXXX ONLY PLEASE FORWARD TO HIM IMMEDIATELY! 
XXXX XXXX, XX/XX/XXXXI have been a member of American Express since XX/XX/XXXX and as such have enjoyed an amicable relationship with your company. 

I received a solicitation from you and applied for an AMEX XXXX Rewards Card this past XXXX which offered XXXX bonus points once you spend {$2000.00} within the XXXX 3 months. I complied with all of the requirements by XXXX XXXX, XX/XX/XXXX and was XXXX notified today that I do not qualify for this bonus. 

Apparently there is an obscure rule that prohibits XXXX from earning bonus points for a new card, since they had previously applied for XXXX? I did not see this nor was I informed by any members of your staff during subsequent phone calls of this rule? 

XXXX of my reasons for applying for this card was to earn these bonus points and had I been properly informed prior to procuring this card I never would have applied! 

It appears to me that there are have been quite a few obscure rules that I have encountered in the recent past and personally I am offended by them. 

I have now lost an opportunity to acquire XXXX points which had I been properly informed I could have earned from your competitors. 

Your representatives albeit helpful and courteous have been of little assistance on this issue. 

I believe that I am entitled to these bonus points as I was led to believe that I was entitled to them as is expressed in my outline above? 

Thank you for your immediate attention to this matter. 



XXXX XXXX
Product: Debt collection

I am writing to file a formal complaint regarding information on my credit report concerning the account listed below : Vance and Huffman LLC Dispute Reason : Ownership/ No knowledge of account Original Creditor : XXXX Account Type : Debt buyer Date Open : XX/XX/2023 Balance : {$3600.00} I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist I have recently reviewed my credit report and discovered the presence of the aforementioned collection accounts. However, I have no knowledge of these collection accounts and believe that it has been inaccurately associated with my credit history. I have taken the necessary steps to dispute this information through XXXX, XXXX and unfortunately, their investigation has yielded an unsatisfactory result. 
According to the investigation, the disputed information was verified as accurate, and XXXX and XXXX has decided not to make any changes to my credit report. I strongly disagree with this decision, as I am certain that I have no connection to the mentioned account. No documentation has been provided as requested by the part above to support I am responsible for the above debt. 
I have carefully reviewed my financial records, and there is no evidence to support the existence of this debt or any association with Vance and Huffman LLC. 
In light of the above, I kindly request a thorough review of my credit report and a reconsideration of the decision made by XXXX and XXXX. I believe that a mistake has been made, and it is essential that my credit report accurately reflects my financial history. I request that the following actions be taken : 1. Conduct a comprehensive investigation into the disputed account and provide clear evidence of its ownership and legitimacy.

2. Update my credit report to reflect the correct and accurate information, ensuring that the disputed account is removed. 
I expect a prompt and fair resolution to this matter. As a consumer, I have the right to accurate and up-to-date credit information. The inaccuracies in my credit report have the potential to negatively impact my financial standing and opportunities, which is of great concern to me. Thank you for your prompt assistance. 

Sincerely, XXXX XXXX