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

I am reaching out to inform you that I have been a victim of identity theft. Please consider this communication as a formal dispute regarding this account. I have contacted all the companies directly and followed the necessary steps to address this issue. I filed an identity theft report with the FTC and have informed all the companies involved. Now, I am disputing the information that should not even be appearing on my file. Please assist me in resolving this matter promptly. 

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

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX  ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX XXXX XXXX, I request the credit report you accessed for the attached incomplete and undated loan application. The copy of the credit report will prove you did not have permissible purpose and the loan was fraudulent. 
Dear Transunion and XXXX, XXXX XXXX XXXX XXXX will refuse the above request and label as duplicate complaint when they haven't furnished a copy of the credit report by law. I expect Transunion and XXXX  to refuse any simple reply that XXXX XXXX XXXX XXXX is reporting accurately and to review the documents for yourselves. 
I also expect no one to reply with a form reply to remove this off your desk and feel you have done your job.
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial is reporting that I am 30 days late for a loan that ended over 10 Years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent report to experian, XXXX and XXXX XX/XX/2022 in regards to inquires that i did not recognize. Inquires that were there in regards to loans at various dealerships, I spoke with them and notified them that I already had a vehicle and those inquires were not made by me.
Product: Checking or savings account

Joint CD matured on XX/XX/XXXX. Both account holders have contacted the bank multiple times since then and spoken to multiple Customer Service Representatives, however, we have still not received our funds. We also approached the Comptroller 's office but still have not received our funds. 

XX/XX/XXXX - in-app message sent to not renew CD and to disburse funds to savings account upon maturity. 
XXXX XXXX spoke on the phone to CSR XXXX XX/XX/XXXX spoke to CSR XXXX XX/XX/XXXX spoke to CSR XXXX XX/XX/XXXX spoke to CSR XXXX XX/XX/XXXX received message from Product Support Operations Specialist II XXXX 14 days post maturity, 5 CSR communication and a complaint with the OOC, our funds are still not disbursed. The bank is using the current pandemic as an excuse to hoard our hard earned savings and not release the funds immediately. 

Each time we were told that it would take 3-5 business days. XXXX even stated that she could not really specify when it would be disbursed. XXXX, via the app message has now increased the number of days to 5-7 business days. 

During this challenging time, the people at Comenity XXXX XXXX are giving us more stress. 

FDIC had directed us to your office. If CFPB can resolve this issue, we will appreciate.. 

A copy of our correspondence with the Comptrollers office both from the 16th and today XXXX XXXX, is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Mortgage

XXXX XXXX XXXX XXXX, transfered my loan services to Mr. Cooper/Rushmore Servicing , on XX/XX/23. During the transfer process my mortgage payment on XX/XX/23 of {$1100.00} was taken by XXXX XXXX XXXX from my checking account then wire transferd to Mr. Cooper/Rushmore that XXXX mortgage payment. As of today, Mr. Cooper/Rushmore has not reconized that payment. I have been sending proof since XXXX until now. Bank records, Wire transfer records from XXXX XXXX XXXX, countless calls with no resolution. I feel Mr. Cooper/Rushmore is at fault for taking this long to resolve this with proof I have provided. My credit is being affected. Mr.Cooper/Rushmore is charging me late fees when this not my fault. 

Please contact these parties : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Rushmore Servicing XXXX Rushmore Supervisor XXXX XXXX XXXX Email contact : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 - my credit score dropped 115 points because XXXX inadvertently reported me 90 days late due to a mistake on their part. At least two or three XXXX agents assured me that they had not reported me late. I disputed the late payments with the major credit agencies XXXX wasting my time since XXXX was in the wrong ). Finally speak to an account specialist in late XXXX who discovers what went wrong at XXXX. The account specialist stated he would escalate it. XXXX sent me requests on how to mail my info via USPS to resolve the issue instead of taking responsibility for their mistake. XX/XX/2020 - my credit score jumped back up about 70 points and their only course of action is to say " sorry '' and to " check my credit and hope that it goes back to normal ''. Absolutely unacceptable, incompetent, negligence.
Product: Checking or savings account

Wells Fargo Bank in appropriately cashed a check that was either intercepted or lost in the mail. The Payee clearly did not match the party that cashed the check. The check was made by a financial institution ( XXXX ) made payable to another financial institution ( XXXX ) yet somehow ended up being cashed by Wells Fargo. 

An attempt was made to contact Wells Fargo about the issue, was informed that because I did not have an account, there was no way they could open an investigation for their participation in the interception of my money.
Product: Credit reporting or other personal consumer reports

There were fraudulent accounts made in my name. I couldn't have made the accounts because I was still incarcerated during the time. I would really appreciate assistance in this matter because I have been trying to make a living for myself and it s been extremely hard because of these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aware that on  XXXX   XXXX ,  XXXX , and again on  XXXX   XXXX , TransUnion deleted everyone 's credit inquiries on their TransUnion credit report. Later in the year, they were added back to my credit report. I did not recieve a legally required written notic e five days  prior. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. I spoke with  XXXX , a United States supervisor, on  XXXX   XXXX ,  XXXX  and while I had  XXXX  inquiry removed, I was told that the others were not impacted. I know this is not true. These inquiries being removed and then re-added has caused a hardship for me and has violated my rights. My goal in this complaint is that you can help force TransUnion to stop victimizing me. I am asking in resolution that my credit inquiries be removed permanently as violation took place when they were illegally added.     Thank you and have a blessed day.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collections/Charge off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

It's has been 1 Year that synchony bank/Lowe 's has changed off this credit card account and has not yet sent me a 1099C. I'm asking Lowe 's to CEASE AND DESIST from reporting income as debt on my credit report. Also I'm revoking any and all Power Of Attorney allowing Lowe 's of reporting my nonpublic financial information to third parties Corporation and nongovernment agencies.
Product: Mortgage

Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X , 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). The lender has failed to respond to our QWR and Notice of error request sent on  XXXX 2017 and are proceeding to sale set for   XXXX  /17 - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and  the clients right to counsel.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which is what has occured on my credit report. I fear that Federal law has been broken, and that my rights as an American citizen have been violated as no physical verification of the original signed contract has been presented for any of the following accounts on my credit report : - XXXX XXXX XXXX - XXXX - XXXX XXXX - XXXX - XXXX XXXX - XXXX - XXXX XXXX - XXXX - XXXX XXXX - XXXX - XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX - Dept of Education/XXXX  XXXX XXXX - Dept of Education/XXXX  XXXX XXXX - Dept of Education/XXXX  XXXX XXXX - Dept of Education/XXXX  XXXX XXXX - Dept of Education/XXXX  XXXX XXXX - Dept of Education/XXXX  XXXX XXXX - Dept of Education/XXXX  XXXX XXXX - Dept of Education/XXXX  XXXX XXXX - Dept of Education/XXXX  - XXXX - Dept of Education/XXXX  XXXX XXXX - Dept of Education/XXXX   - XXXX - Dept of Education/XXXX  XXXX XXXX - XXXX   XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX   XXXX XXXX XXXX - XXXX  XXXX XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX - XXXX  XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX  XXXX XXXX XXXX - XXXX - XXXX - Through The Country Do - XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX - Credit Collection XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX
Product: Debt collection

On monday, XX/XX/2022, at XXXX pm they called me from XXXX Called and my mother answered. They did not verify her and assumed she was me and gave debt collector disclosures.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I PAID FOR MY ACCOUNT ACCESS WITH EXPERIAN membership XX/XX/XXXX/XX/XX/XXXX/2019..and STILL HAVEN'T BEEN ABLE TO LOG INTO MY ACCOUNT, I HAVE COMPLAINED TO COMPANY AND RECIEVED COMPLAINT NUMBER. - # XXXX.I HAVE ENCLOSED A SCREEN SHOT THAT THEY REQUESTED IN EMAIL AND STILL HAVEN'T RESOLVED THIS MATTER..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
XXXX XXXXXXXX XXXX XXXX XXXX Balance {$0.00} ChargeOff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2015 Balance {$0.00} ChargeOff ( XXXX ) XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XX/XX/2015 Balance {$0.00} ChargeOff ( EX )
Product: Mortgage

With incredible frustration, disappointment, and failed attempts to negotiate the terms of my loan agreement in good faith. I can no longer move forward in pursuing a mortgage loan with GMFS to finance the sale of the property listed at XXXX XXXX XXXX, XXXX XXXX, LA XXXX. Before completing XXXX XXXX XXXX XXXX XXXX course on XX/XX/XXXX, I was not provided any information regarding the debt-to-income ratio for the financed portion of the loan, which was later confirmed at forty - eight percent. This would cause unnecessary hardship for my family and likely result in foreclosure after entering the agreement for the aforementioned property and acknowledging my concerns. Despite the loan amount, I was assured that several loan products and options were available to consider and negotiate a more reasonable payment. However, only the terms of conventional loan financing were disclosed and presented in writing, eliminating other loan financing options, even after expressing my desire to obtain such funding, including a housing assistance program I qualified for. As a result, the obscurity of details to properly consider all financing options has prevented further negotiation and agreement on the loan terms. I The lending practices mentioned above have also resulted in unnecessary and additional unforeseen expenses to obtain legal assistance. These practices have caused an unnecessary and avoidable stress response that has impacted my entire family. Please understand my efforts to exhaust every option to resolve this with the lender, but none have been successful. 

Attached below are communications from GMFS and my follow-up to that response.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Transunion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$220.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against EXPERIAN for non-compliance with the Fair Credit Reporting Act ( FCRA ) and for permitting fraudulent accounts to persist on my credit report without rectification. Attached to this communication, please find copies of the letters I previously submitted to EXPERIAN, along with the assigned identity theft case number XXXX. It has come to my attention that despite my dispute letter dated XX/XX/2023, EXPERIAN has failed to address the fraudulent accounts that continue to be inaccurately reflected on my credit report. I had anticipated that EXPERIAN, as a credit reporting agency, would safeguard my personal information and ensure the provision of precise credit reports. I am deeply concerned about the potential damage to my creditworthiness and financial standing resulting from the presence of these fraudulent entries. I urge EXPERIAN to promptly investigate and rectify the inaccuracies on my credit report in accordance with the provisions outlined in the Fair Credit Reporting Act. Your immediate attention to this matter is appreciated, and I expect EXPERIAN to adhere to the FCRA guidelines in ensuring the accuracy and integrity of the information contained in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO U.S.C. Sec. 6801 PROTECTION OF NONPUBLIC PERSONAL INFORMATION ( UNITED STATES CODE ( 2023 EDITION ) ) ( a ) Privacy OBLIGATIONS policy It is the policy of the Congress that each financial INSTITUTION has an affirmative and continuing obligation to RESPECT the privacy of its CUSTOMERS and to protect the security and confidentiality of those CUSTOMERS NONPUBLIC PERSONAL INFORMATION. 

( b ) Financial INSTITUTIONS safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this TITLE, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the Financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards- ( XXXX ) to insure the security and confidentiality of customer RECORDS AND INFORMATION ; ( XXXX ) to protect against unauthorized access to or use of such records or INFORMATION which could RESULT IN substantial harm or inconvenience to any CUSTOMER. 
These Accounts have violated my rights by Reporting to my consumer report, which make NONPUBLIC PERSONAL INFORMATION..Public! 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX. XXXX XXXX XXXX XXXX. 
THESE ACCOUNTS HAVE CAUSED SUBSTANTIAL HARM AND CREATED INCONVENIENCE TO ME THE CONSUMER.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because I disputed an account with Navy Federal Credit Union, the company has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false " late payments '' to my consumer report and closed my account without my lawful authority or notification. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) C. The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by Navy Federal before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or Navy Federal Credit Union to furnish any " late payments '' to my consumer report. It is my belief that due to Navy Federal Credit Union business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Product: Debt collection

Dear cfpb, after the real estate market crashed in XXXX XXXX California in XXXX, my husband and I both lost our jobs. We use all our reserves to make our mortgage and credit cards payments but few months later we were brooke.. Our new jobs could not cover our credit card payments and eventually, we were default on all credit cards and mortgage payments. I had also used my chase/wamu card to pay my chase/wamu mortgage. So after I became default with my credit cards by XXXX and XXXX. Chase sold XXXX of my credit card debts to XXXX and XXXX Attorney at law XXXX, XXXX on XXXX XXXX XXXX. And XXXX XXXX file a lawsuit and got a judgment on XXXX/XXXX/XXXX for XXXX. Since then they have aggressively taken money from my bank accounts various times leaves me without money to pay my modification mortgage or utility bills or groceries. They have continuously caused me tremendous pain and sufferings. It appears that Chase have had some agreements with CFPB and state attorneys general. But because chase sold this account to the collection before coming to an agreement with CFPB or the attorneys general, this collector continue to drain my account. Previously, they have taken over XXXX and now on the XXXX of XXXX XXXX, they have taken {$2200.00} from my account ( this is my mortgage payment ). Now I am devastated. Please help me
Product: Checking or savings account

On XX/XX/XXXX i tried transferring funds to this account from my other Capital One account and I wasn't able to so I called support they told me that they are missing a document with my relationship to the company and that they tried calling me once and emailed me a link to upload the document but I checked my email and spam and I never received they said they will reach out to the case XXXX to resend it in the meantime I deposited a XXXX with the XXXX that were scheduled to be withdrawn by my credit card and I tried calling back the person who called me but no one picked up and I left a voice mail after a few days I noticed that the account is fully closed and all payment or rejected so I called again and they said they can't do anything I need to go the branch on XX/XX/XXXX I went to the branch and they told me they can't do anything so I told them I was told to go to the branch and they then let me wait around 1 hour and called some ppl and then they said they added an email to my account and they will request again the link and they rejected to take the documents of me so I asked them can you close my account and give me back my XXXX they said only the case XXXX can do it and I should call XXXX and speak to him and if no response call XXXX I already tried calling him a few times and no reply so I called the XXXX # they tarsnfered me to a supervisor and they said only the case XXXX can release the founds and their is nothing I can do