23daVinci/CFPB_Complaints huggingface dataset:
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  XXXX, XXXX XXXX XXXX XXXXXXXX, 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: Credit reporting or other personal consumer reports

My student loans were transferred from XXXX XXXX to XXXX and they dumped my credit score by XXXX points. They did not suppress my credit score. These loans were satisfactory. Nobody will resolve the issue. XXXX points will take me until I am dead to resolve. Can not resolve via phone. Nobody answers. Nobody responds to email disputes either. This is not my fault. How am I supposed to buy a car or rent or pay utilities after they dumped my score?
Product: Mortgage

I have a second mortgage with Citibank. My attorney made several attempts to get in touch with Citibank so my loan an be modified but up to now no one has returned his phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 XXXX XXXX hit me with a hard inquiry for getting a XXXX XXXX   card. Before I got said card I had asked about any hard pulls as I did not want one. The sales man assured me there would be none. Later on when I noticed the hard pull after talking to a few customer sales reps who were on able to assist, I was able to talk to a supervisor who understood that I did not want any hard pull on my account otherwise I would have never got the card. The supervisor at XXXX XXXX I believe her name was XXXX agreed to remove the hard pull from my file. She said it would take up to 15 days. For some reason this hard pull is still on my file.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the data breach that occurred as a result of your systems being compromised, which I believe has affected my personal credit information. It has come to my attention that my credit report may have been exposed or compromised due to the breach that occurred within your company. As a result, my credit information may no longer be accurate or secure.

I am concerned about the following : Unauthorized Access to My Data : Given the breach, I have reason to believe that my sensitive information, including personal identification details, may have been accessed or stolen. This potentially jeopardizes my financial security. 
Impact on My Credit Report : Since this breach occurred, I have noticed discrepancies in my credit report, including potentially fraudulent accounts or inquiries. These discrepancies may be the direct result of unauthorized access to my credit file. 
Failure to Notify and Assist : As a consumer affected by the breach, I feel that there has been inadequate communication from Equifax regarding the steps taken to secure my information and rectify any damage. While I am aware of your breach notification, I have not received sufficient updates on how my specific case is being handled.

I request the following actions be taken : A full investigation into how my data was exposed during the breach.

Immediate correction of any inaccurate information that may have resulted from unauthorized access to my credit report. 
A detailed explanation of the steps Equifax is taking to ensure my information is secured moving forward. 
Provision of identity theft protection services, or at least an alert, as a precautionary measure against further unauthorized activity. 
Confirmation that all necessary actions are being taken to address the breach and protect my credit. 
Please provide me with confirmation that you are addressing these concerns and that my credit information is being monitored and secured. I would appreciate a prompt response with an outline of the steps Equifax is taking to investigate and resolve this matter. 

If necessary, I will not hesitate to escalate this matter to regulatory agencies such as the Consumer Financial Protection Bureau ( CFPB ) or state attorneys general, in order to ensure my rights are protected. 

Thank you for your immediate attention to this critical issue. I expect to hear from you soon with an update on your progress in resolving this matter.
Product: Credit reporting or other personal consumer reports

I was blindsided this morning when I discovered inaccurate accounts on my credit report, and Im at a loss to explain how this could happen. As part of my regular routine, I checked my report and was alarmed to see these discrepancies out of nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple inaccurate information is being reported on all three of my credit reports from all three credit reporting companies. Example ; XXXXXXXX reports collection amount as {$450.00} and Transunion reports the same account as {$0.00}. I have filed several disputes asking for the information to be removed that is inaccurate. Also there has been no proof of a signed contract for these collections on my credit report. No explanation of how it came back verified. I need to see original documentation from these collection agencies with signed contracts from me or they need to be removed immediately. It is the LAW.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been informed that my information was apart of a data breach and wrong information is being reported on my credit 15 U.S.C. 1681
Product: Credit card or prepaid card

On XXXX, and XX/XX/17 my bill payment with Capital One Bank did not go through when it was on auto pay. I reached out to the company and they said they saw the payment tried to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark in my credit and the company will not help me with this unfair situation.
Product: Debt collection

I fulfilled my one year membership requirement at XXXX XXXX XXXX XXXX in XXXX, IL in XXXX, 2016. The next month, my credit card on file expired so they were not able to continue billing me. I was contacted by the spa and returned their call to let them know I wanted to freeze my account as my husband had been out of work on medical leave since the beginning of XXXX. I continued to get a few phone calls and statements mailed every few days indicating I needed to contact them to pay what was owed. I again contacted them and told them I wanted to freeze my account. They demanded I pay 2 months they said was owed by that time. I refused, stating I had already fulfilled my obligation and had requested the freeze ; at this time, I told the person on the phone ( XXXX, I believe was her name ) that I just wanted to cancel my membership. I was told again there was a balance due but I again refuted the validity of the supposed balance as I had done everything required to settle the situation. I continued to receive statements every few days from the spa, and I ignored them as my husband needed my attention. In XXXX, I received the first collection letter from Transworld Systems , Inc indicating the " debt '' had been placed with them for collection. I responded in 8 days, indicating the debt was not owed by me, and it was not valid. I received a XXXX collection notice today, and am filing a complaint. The communication received today also indicated the balance had increased from the initial amount of {$170.00} to today where it is {$230.00}. 

I indicated in my first letter that I would file a complaint if they continued to contact me and demand payment of the invalid debt, so that is what I am doing.
Product: Mortgage

I 've had excellent credit and in a strong financial position for over 15 years, however for the past 5 years I 've been unable to refinance my home. On several occasions I was told by the bank my loan did n't qualify for refinance and I had to be behind in payments to apply for HARP or other assistance program. After losing my job 3 years ago, my income decreases greatly. I exhausting most of my savings and had no choice but stop making payments to begin the HARP process. In the mean time I browed money from my retirement to pay mortgage when or if they approve me. It has been over 90 days and I was informed by my representative that my file has n't been reviewed. After expressing my concern about the process and what this has done to my credit score, I asked that they remove the 90 day or place an explanation on my credit report. As a self employed individual, it is very important that I maintain the excellent credit I had before starting this process. My representative filed a complaint to his supervisor to addressing my request and concerns as well as ask that my case be expedited to a supervisor in the underwriting department for review. I 'm very concerned that I now have a 90day on my credit report because they have n't reviewed my case, and they can still deny me for the HARP program.
Product: Debt collection

RE : Notice of Intent to Sue for FCRA Non Compliance Dear CarMax Auto Finance Compliance Department, I am writing to formally notify you of my intent to initiate legal action against CarMax Auto Finance for violations of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). Specifically, CarMax Auto Finance has unlawfully supplied my private non-public information ( NPI ) to non-affiliated third parties without my written consent. 
Background On [ XX/XX/year> ], I became aware that CarMax Auto Finance shared my NPI, which includes [ private information shared social security number, credit report, financial information ], with non-affiliated third parties. ( XXXX, XXXX and XXXX ) This action was taken without my written consent, in direct violation of FCRA and GLBA provisions designed to protect consumer information and privacy. 
Legal Basis Fair Credit Reporting Act ( FCRA ) Violation : Under 15 U.S.C. 1681b, consumer reporting agencies and entities furnishing information must ensure that information is only disclosed for permissible purposes. Your actions have breached this requirement by sharing my NPI without proper authorization. 
Gramm-Leach-Bliley Act ( GLBA ) Violation : Under 15 U.S.C. 6802, financial institutions are prohibited from sharing consumers NPI with non-affiliated third parties without providing notice and an opportunity for the consumer to opt-out. No such notice or opt-out opportunity was provided in my case. 
Damages and Penalties As a result of your actions, I have suffered [ financial harm, identity theft, stress, XXXX XXXX XXXXXXXX. ]. Under the FCRA and GLBA, I am entitled to seek the following remedies : Actual Damages : Compensation for any actual damages sustained as a result of the unauthorized disclosure.

Statutory Damages : In cases of willful non-compliance, statutory damages range from {$100.00} to {$1000.00} per violation ( 15 U.S.C. 1681n ).

Punitive Damages : Additional punitive damages as the court may allow for willful violations. 
Attorneys Fees and Costs : Reimbursement for reasonable attorneys fees and costs incurred ( 15 U.S.C. 1681n and 1681o ).

Demand for Remedy To avoid litigation, I demand that CarMax Auto Finance : Delete the Account from my Consumer Files all Consumer Reporting Agencies ( XXXX, XXXX and XXXX ) Cease any further unauthorized sharing of my NPI. 
Provide a written explanation of the steps taken to prevent future unauthorized disclosures. 
Compensate me for actual damages in the amount of [ {$5000.00} ]. 
Pay statutory damages of [ {$2000.00} ]. 
Reimburse my attorneys fees and costs incurred to date in the amount of [ {$1000.00} ]. 
Response Deadline If I do not receive a satisfactory response within ( XXXX ) days from the date of this letter, I will have no choice but to pursue all available legal remedies, including filing a lawsuit in the appropriate court. 
Conclusion I hope that this matter can be resolved amicably and without the need for further legal action. I look forward to your prompt response. 
Exhibits are Attached below
Product: Credit card

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : In compliance with FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that XXXX remove information from my credit report within XXXX business days that has resulted from identity theft and fraud. The false information includes a personal credit card account opened at XXXX Bank Delaware on XXXX, XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX on XXXX, XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX Bank on XXXX, XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX, XXXX under the account number XXXX, a personal credit card account opened at XXXX Bank XXXX XXXX, XXXX under the account number XXXX, and a personal loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX XXXX, XXXX under the account number XXXX, personal credit card account opened at XXXX XXXXXXXX on XXXX, XXXX under the account number XXXX, personal credit card account opened at XXXX XXXX XXXX on XXXX XXXX XXXX under the account number XXXX, a personal student loan account opened at XXXX XXXX on XXXX XXXX XXXX under the account number XXXX, a personal line of credit account opened at XXXX on XXXX, XXXX under the account number XXXX, These accounts have led to several fraudulent hard inquiries and collections on my consumer XXXX credit report. Enclosed are a list of these hard inquiries and a copy of my XXXX credit report showing the fraudulent items. I do not recognize these accounts or inquiries. These accounts have led to several fraudulent hard inquiries and collections on my consumer XXXX credit report. Enclosed are a list of these hard inquiries and a copy of my XXXX credit report showing the fraudulent items. I do not recognize these accounts or inquiries. They are all the result of identity theft. For proof, I have attached a copy of the FTC Identity Theft Complaint # ( XXXX and XXXX )
Product: Debt collection

XXXX, CHARGE MY ACCOUNT OFF BY CLOSING IT. CLOSED IN 60 DAYS LATE XXXX 2016, SEE CREDIT REPORT, SENT TO XXXX XXXX FOR PAYMENT. THEY SAW THE MISTAKE AND SENT IT BACK, XXXX SENT IT BACK TO THEM BECAUSE THEY WAS PAID. I TALKED TO THE XXXX XXXX SUPERVISOR, HE CLOSED MY ACCOUNT AND SENT IT BACK. BOTH AGENCIES REFUSED MY LAST PAYMENT AGREEMENT TO BECOME CURRENT XXXX, XXXX, XXXX, I WAS CURRENT PAID EVERY MONTH FROM XXXX TO XXXX XXXX WHEN THEY REFUSED MY PAYMENTS. NOW I WROTE TO XXXX TO RESOLVE MY ISSUES. BY FRAC LAW. THEY REFUSED TO RESPOND THEY NOW OWE ME AND MY DEBT IS TO BE O ACCORDING TO THE LAW WITH COMPENSATION DAMAGES TO BE PAID. PLEASE HELP, I WILL WAIT YOUR RESPONSE, I HAD AN AGREEMENT TO PAY WHAT WAS PAID, THE MINIMUM FOR 3 YEARS XXXX, IF I HAD A SHORT PAYMENT, WHY DID THEY TAKE MY MINIMUM PAYMENT AS WE AGREED EVERY MONTH. SAID NOTHING AND CLOSED MY ACCOUNT IN 60 DAYS LATE VIOLATING ALL KINDS OF LAWS. PLEASE HELP THANK YOU FOR YOUR TIME. they say i owe it, it was paid i think because i was told XXXX had to pay them for the debit! or XXXX had to pay them for XXXX. which make them guilty and i owe them nothing.
Product: Mortgage

XX/XX/XXXX granted mortgage modification, began payments XX/XX/XXXX to Citizen 's One, have made all payments thru XX/XX/XXXX, XX/XX/XXXX payment being held in escrow. 

From XX/XX/XXXX to date, receive monthly statement showing account is delinquent, no payments made. 

Calls to customer service regularly ( will supply phone records upon request ), responses from Citizen 's One : " we see the problem, it is being remedied, '' " this is a large institution, these things take time. '' XX/XX/XXXX, Citizen 's One website updated and displayed account as being one month behind, called again to Citizen 's One asking this to be remedied, were told they would work on it and it should be all set shortly. 

XX/XX/XXXX- served foreclosure papers, and no longer able to make monthly mortgage payment, hence the escrow account mentioned above. 

XX/XX/XXXX supplied documentation of all bank statements and canceled checks ( attached ) from XX/XX/XXXX through XX/XX/XXXX to Citizen 's One and the law firm of XXXX, XXXX, XXXX XXXX, XXXX, RI. 

Have been told by Citizen 's One the package has been received but they do not know who has it. No contact to date from law firm regarding documents provided. 

XXXXXX/XX/XXXX- in the process of seeking own counsel. 

Unfair practices by Citizen 's One include : failure to apply payments correctly, falsely placing property in foreclosure. 

Damages to homeowner : incorrect XXXX tax documentation, home in foreclosure, seeking own counsel to protect home.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 XXXX all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Product: Debt collection

My insurance company paid the debt to Santander Bank and someone called me to verify the account and payment. I am no longer responsible for any debt and collection agency received notice to provide proof of my signatures with in 45 days of receiving notorized letters
Product: Money transfer, virtual currency, or money service

Zelle did not properly notify me when first using the service that if money was sent to the wrong person or someone attempted fraud against me that I had no recourse and they would not assist with recovery of said funds
Product: Mortgage

Wells Fargo Bank, Home Mortgage insists that their on-line site is safe, but if it's safe how did my payments from XX/XX/XXXX and XX/XX/XXXX go missing? Wells Fargo Bank 's site is not safe. Wells Fargo Bank , Home Mortgage insists that I did not make these payments, but I am sending my records proving when these payments were made on their on-line site, which were stolen during transmission from the Wells Fargo Bank on-line site. Now they claim I have not paid off my mortgage loan, but I did. Wells Fargo Bank, Home Mortgage has been charging me late fees and other penalties since XX/XX/XXXX, which they must return to me immediately. Wells Fargo Bank employee at the branch location in XXXX, TX gave out my and other mortgage loan numbers to known criminals. Wells Fargo Bank has been attempting to deny this fact and trying to claim I owe money because a loan was given to criminals using my mortgage account number as collateral. I did not take this loan and I refuse to pay back a loan that was given to known criminals.
Product: Credit reporting or other personal consumer reports

According to the IRS, a charged off debt are considered an income, 15 USC 1681 ( 2 ) ( a ) ( i ). Income is forbidden to be on a consumers credit report/file. The original credit, XXXX XXXX XXXX wrote the debt off on their taxes and received a profit ... ... ... ... ... ... ..... 
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FCRA Section 623, 15 USC 1681s-2, Responsibilities of Furnishers Info ... ......

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12 CFR 1006.34c, Notice For Validations Of Debt ... ...... 
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I am exercising my rights under the FDCPA to request the following information : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is authorized to collect on behalf of the XXXX XXXX XXXX. 
3. Profit/Loss Statement of 1099c 4. Documentation of all assignments showing the transfer of the debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
5. Proof that XXXX XXXX XXXX " securitized '' the debt. 
6. Documentation showing the assignments of the debt from XXXX XXXX XXXX to the Secured Trust and then back to XXXXXXXX XXXX XXXX XXXX. 
7. A contract between myself ( XXXX XXXX ) and XXXX XXXX XXXX that bears my signature wherein I agreed to pay XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
8. The amount paid to purchase this debt from XXXX XXXX XXXX. 
9. The 1099c, since this debt has been charged off, written off.

10. The authorized printed and signed signature of XXXX XXXX XXXX and XXXX XXXX XXXX. 
... ... ... ... ... ... ... ... ... ... ... ... ... ..... 
I am demanding that XXXX XXXX XXXX " DO NOT '' send me a printed computer generated statement of a bill. I AM NOT requesting a bill statement. Please DO NOT SEND another bill statement from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more than 68 times nonstop this is exhausting they are not putting these fraudulent inquiries in dispute and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 90 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help