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

I am filing this complaint due to unauthorized inquiries persisting on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). This is my second request, as the credit bureau has failed to take adequate action after my initial claim, sent on [ XX/XX/XXXX ]. The involved creditors confirmed that they do not possess written authorization or a permissible purpose for these inquiries. '' Unauthorized Inquiries : List the inquiries you continue to dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX FCRA Violations and Relevant Case Law : " These unauthorized inquiries violate several provisions of the FCRA and relevant case law, XXXX follows : XXXX U.S.C. XXXX ( Section XXXX ) - These inquiries do not meet permissible purposes for accessing my credit report as established in XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX. XXXX ( a ) ( XXXX ) ( Section XXXX ) - The FCRA requires deletion of unverifiable information, in accordance with XXXX XXXX XXXX, XXXX. 
XXXX XXXX. XXXX ( Section XXXX ) - Information providers must ensure reporting accuracy, as underscored in XXXX XXXX XXXX Banking and XXXX XXXX XXXX XXXX '' XXXX and Documentation Requests : " I specifically requested manual verification of these inquiries and any original documents justifying their presence on my report. However, I have only received generic responses, with no detailed explanation of the verification method, which violates XXXX XXXX. XXXX ( XXXX ). I also requested deletion under identity theft protections ( XXXX XXXX. XXXX ), as these inquiries pose a potential fraud risk. ''
Product: Credit reporting or other personal consumer reports

I disputed this account and asked for additional information of proof this belonged to me. I do not recall or have any recollection of this account. This account is showing on my credit report inaccurately and prohibiting me from buying a home. Please remove this in accurate account as soon as possible.
Product: Debt collection

Debt collection company requested and reported and completely wrong amount of debt. Almost three times more than the original debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give at authorizations to inquire on my credit report.
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I currently have {$110000.00} in debt that is handled by AES. When I have called in the past to get a reduction in monthly payments, they have told me that my only option is forbearance or to continue paying at the current amount. I pay {$630.00} a month to AES. I also pay {$780.00} /month to XXXX and {$160.00} to my federal loans. I can not afford payments as my financial situation has changed and I have to pay rent and household bills. If there is any relief that can be provided, it would be greatly appreciated. My financial situation will unlikely get better over time.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I mailed a letter to XXXX XXXX and requested the 1099C for my account since they had reported it as a charge off for XXXX. They denied my request.
Product: Money transfer, virtual currency, or money service

Back in XXXX XXXX XXXX account got hacked and XXXX was sent from my Zelle account. I called my bank but they couldnt receive my money back they just sent over a new card.
Product: Mortgage

For the life of my mortgage with Wells Fargo my escrow account was always short for the year and my next year payment adjusted for the shortage. This happening every single year even though my taxes and insurance rates did not increase proportionally if at all. The last year I called Wells Fargo I informed them that I had no confidence they could properly manage my escrow account. I requested verbally that I wanted to cancel the escrow account which Wells Fargo stated was not possible. 


My entire mortgage account needs to be reviewed for the escrow account, add on policies that I did not want or ask for and for fee 's paid. It was a horrendous experience with Wells Fargo for XXXX years. The issues with the escrow shortage ultimately lead us to put the house up for sale and ended up short selling. I also have questions surrounding the short sale of the property and if Wells Fargo acted appropriately.
Product: Debt collection

Heres the updated CFPB complaint, formatted to comply with the guidelines provided : -- - **Consumer Financial Protection Bureau Complaint** **Date : ** [ Insert Date ] **Subject : ** Complaint Regarding Unauthorized Disclosure of Nonpublic Personal Information by XXXX XXXX XXXX and LVNV Funding **To Whom It May Concern, ** I am submitting this complaint regarding the handling of nonpublic personal information by XXXX XXXX XXXX ( original creditor ) and LVNV Funding ( debt collector ). Their actions appear to violate federal privacy and disclosure laws. 

# # # **Details of the Issue** - **Account Activity : ** The original account was established with XXXX XXXX XXXX  on or around XXXX - **Collection Activity : ** On or around XXXX LVNV Funding began collection efforts on this account, including letter, phone calls, emails etc. 
- **Opt-Out Notice : ** On [ XX/XX/XXXX ], I sent a written notice to both XXXX XXXX XXXX and LVNV Funding opting out of all authorizations to disclose my nonpublic personal information to nonaffiliated third parties, as permitted under federal law. 
- **Amounts in Dispute : ** The account is being reported with a balance of [ insert amount, e.g., {$1200.00}, which has been subject to disclosure in ways that I believe violate privacy laws. 
# # # **Statutory Violations Referenced** 1. **15 U.S.C. 6802** Prohibiting disclosure of nonpublic personal information without proper consent.

2. **15 U.S.C. 6801** Requiring financial institutions to safeguard customer privacy.

3. **26 U.S.C . 7213** Criminal penalties for unauthorized disclosure of information.

Despite my opt-out request, there is evidence that my nonpublic personal information has been improperly disclosed by XXXXXXXX XXXX XXXX and/or LVNV Funding. These disclosures have resulted in unwarranted collection actions and possible reporting to nonaffiliated third parties. 

# # # **Actions Requested** I respectfully request that the CFPB : 1. Investigate whether XXXX XXXX Bank and LVNV Funding have violated federal laws concerning the disclosure of nonpublic personal information. 
2. Enforce compliance with all applicable statutes to ensure my privacy rights are protected.

3. Require a full disclosure and remediation of any unauthorized disclosures of my information.

Thank you for your time and attention to this matter. I am available to provide additional details or documentation as needed to assist in the investigation. 

. Let me know if you need assistance filing the complaint or further revisions!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to XXXX XXXX XXXX XXXX XXXX Laws Dear CONNS, 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 ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 . 

It has unequivocally come to my attention that CONNS has 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, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for CONNS 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 CONNS 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 Sections 392.301 and 392.305 of the Texas Finance Code. 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, Texas state law, and identity fraud laws. 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 CONNS will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 a 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 purpose. 

XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

As per guidance from the Consumer Financial Protection Bureau ( CFPB ). According to the FCRA, credit reporting agencies are required to remove or block any inquires or accounts that result from identity theft or unauthorized access to my credit report.I believe this is in violation of Section 605 ( B ) of the FCRA.I kindly request that you block this information from my credit report within XXXX  business days, pursuant to section 605 B of the Fair Credit Reporting Act.
Product: Checking or savings account

I tried to load money into my XXXX wallet using my card. I loaded {$100.00} but the transaction was canceled on aXXXX  side. Saying it was declined by my bank. The money was never loaded into my XXXX wallet but was still taken out of my money network account. To this day, they never returned the money.
Product: Credit reporting or other personal consumer reports

I called Experian many times at many contact numbers found on the Experian consumer and business contact pages. A non-exhaustive list of numbers I have tried : XXXX XXXX XXXX XXXX XXXX Every single option led me to being disconnected. Even when speaking with a human, the human would transfer me to one of the aforementioned numbers only to be disconnected.

My situation is this : I sold a business last year, the business is being billed XXXX XXXXmonth on a credit card that I still have ( from when I owned the business ). I am trying to cancel paying for a service that Experian provides for a business that I no longer own nor have access to ( email, phone number, etc ).

I explained this situation very clearly to two separate customer service representatives at Experian, both times I was disconnected. The first, I was hung up on. The second, after providing me with a " direct line '' which was not a direct line, ( he said to contact him call XXXX XXXX, this is actually a computer-driven number and I was hung up on because I could not verify the business that I no longer own ) and then he quickly transferred me to another computer-driven number and I was hung up on because I could not verify the business that I no longer own.

At this point I have deemed it impossible to resolve this situation. I challenge you, Experian, to prove me wrong. In the meantime, I am filing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't even know where to begin. I've been dealing with Dovenmuhle Mortgage since 2021 to try and have them resolve a mistake on their end and its still not resolved. They sold my mortgage off to another mortgage company and never closed my account properly which affected my credit scores dramatically. I already filed a complaint with cfpb once about 6 months ago and Dovenmuhle claimed they were going to work on correcting the issue and still has not been resolved. I am not surprised it hasn't been fixed considering the experience I had with them. I have everything documented like my lawyer advised me to and am still waiting for them to fix the incorrect information they reported to the credit bureaus. Please look at complaint number XXXX for more information regarding this issue that I filed before. I will not stop filing complaints until this issue gets resolved.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and found some accounts listed that I don't recognize.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

XXXX XXXX XXXX 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 card or prepaid card

I use autopay for most of my bills to ensure they are paid on time. However, I use the paper statements, sent in the mail, to validate purchases and reconcile my bank accounts. Furthermore, I check my email infrequently so I never enroll in paperless statements with billers. When checking my email, I noticed the attached " Email 1 '' from Synchrony bank sent on XX/XX/XXXX informing me that my Amazon Store Card account will switch to paperless billing. Upon discovery of this email, I clicked the link to continue to receive paper statements. Now I'm keeping a much closer eye on my email in box and received the attached " Email 2 '' on XX/XX/XXXX announcing that my " statement delivery is about to change. Again, I clicked the link to continue to receive paper statements. I should not have to respond to weekly emails to continue to get my credit card statements mailed to me. I wonder how many Synchrony credit card holders were impacted and how many did not see a notice of this change. I believe it is also very likely that some people could potentially miss a payment and be subject to late fees and interest charges as a result of not getting their statement in the mail as they have become accustomed. I always thought that consumers had to agree to receive paperless statements but apparently sending statements in the mail has become a cost burden for a company that charges almost 26 % interest. This is ridiculous and should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act and XXXX  Accounts : XXXXXXXX XXXX XXXXXXXX XXXX Account : XXXX XXXXXXXX XXXX XXXX Account:XXXX  XXXX. XXXX XXXX Bank Account XXXX XXXX XXXX. XXXX Account : XXXX XXXX. XXXX XXXX XXXX XXXX Account:XXXX  XXXX. XXXX XXXX. 
Account:XXXX  all of which has violated my rights. 

15 U.S.C. 1681section 602 A. states I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish any account without my written consent of instructions as well verify the true and accuracy of the information with consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report Southwest Credit Systems for not validating in writing to me before placing a negative collection notice on my credit report without prior authentication of the claim. I have made a written complaint to XXXX and XXXX and XXXX along with all the required document 's of this matter and yet they still illegally reported to my credit report. According to your practices they are in non compliance to the rule. I would like your help to resolve this matter as soon as possible and have them to be taken off my credit report since it has caused me a great negative impact on my report due to their negligence. 
We also have sent Southwest Credit Systems a dispute letter but XXXX responded to our dispute letter to them saying Southwest Credit Systems report is correct. That means Southwest had an initial contact with XXXX and did not initiate a communication with me to let me know that a collection would be reported to the XXXX credit bureaus. 
I am aware that this is in noncompliance with CFPB and the Fair Credit Reporting Act. 
If you have further questions, please do not hesitate in contacting me. I look forward to a prompt resolution to this delicate matter. 

Thank you in advance.
Product: Mortgage

We received a XXXX package from Lakeview Loan servicing that states the servicing of our mortgage loan was transferred this past year to Lakeview Loan servicing from our former lender. That is a false statement and deceptive advertising to offer us a refinancing with Lakeview. This sent us into a panic as we never received any notice or documentation from them or our current lender that it was transferred and we had just made our monthly payment to our current lender. See attached documentation.