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

I would like to inform Data x reporting personal information I did not authorize our did not give consent to collect or give any permission to give to anyone or business would like all information to be deleted. under 15 U.s.c. 1681s-2 ba ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.
Product: Debt collection

on XX/XX/XXXX I looked on my XXXX report and saw a collection for XXXX XXXX XXXX XXXX so I called them to find out what this auto loan was about they told me it was a dept they are trying to collect for XXXX XXXX XXXX I never signed a deal nor a contract with XXXX XXXX XXXX XXXX so they should not be contacting me or going after my credit in no way cause I have no legal binding nor obligation to this company in written or verbal agreement form
Product: Mortgage

Synopsis of Your Loan # XXXX, XXXX XXXX XXXX. and Demand of Estate 1. Loan Originated : XX/XX/XXXX XXXX XXXX, {$460000.00}, 6.5 % /annum, $ XXXX 2. XXXX XXXX took the loan over from XXXX XXXX on same day of the Loan 3. Mortgagor XXXX XXXX passed away. 
4. Mortgage payment getting delay. 
5. During the difficult time, weve been trying to get catch up the loan and even worked loan modification that conditionally approved by XXXX XXXX and we succeed 3 months trial payment period, but it is not taken the place without any explanation. 
6. XXXX promise to give us Flex Modification that we can qualify on XX/XX/XXXX 7. XXXX XXXX XXXX claims that they are the servicer of the mortgage. 
8. The point of contact pretended not to know about promised Flex Modification 9. Push to complete the loan modification form without any terms and conditions which is not the Federal Flex Modification that promised by XXXX XXXX 10. XX/XX/XXXX send us NOTICE OF DEFAULT AND INTENT TO ACCELERATE with inaccurate payment due of {$310000.00} 11. Weve tried to get solved the issues with XXXX XXXX XXXX but weve been ignored 12. XX/XX/XXXX Rushmore Loan Management Services took over the Loan as the servicer of the Loan and MTGLO Investors, LP as the Owner of the Loan 13. On your letter XX/XX/XXXX, Rushmore indicated she is servicer of loan and the owner of the Loan is XXXX XXXX, XXXX, XXXX XXXX XXXX # XXXX, XXXX, Tx XXXX, Phone # is XXXX 14. On XX/XX/XXXX, CFPB officer asked me to find exact Name of the Owner of the Loan, Website Address, Mailing Address and contact Phone Number, Ive Called the above Telephone Number given by you is the XXXX XXXX not XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am formally disputing the recent update to my credit report on XX/XX/year>, regarding the XXXX XXXXXXXX XXXX XXXXXXXX account and requesting a re-investigation of all reported details. First, I dispute the balance of {$6100.00}, which exceeds the original credit limit of {$5000.00}. This reporting is inaccurate and misleading, reflecting a 124 % utilization rate, even though the account is marked as charged off. Under FCRA 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy, and this discrepancy should be corrected or removed. Additionally, I challenge XXXX XXXX 's status as the creditor. I do not acknowledge this debt and request proof of XXXXXXXX XXXX legal right to report this debt, specifically a valid contractual agreement containing my full signature that establishes my obligation to repay the debt. Without such documentation, this reporting violates FCRA 15 U.S.C. 1681s-2 ( b ), which mandates that only accurate and verifiable information can be furnished by a creditor. I also dispute the current payment status, marked as Charge-off with a past due amount of {$6100.00}, since this account was closed. No additional payments should be marked as past due, making this reporting inaccurate under FCRA 15 U.S.C. 1681i. Moreover, the worst payment status is listed as charge-off, but the payment history shows significant inconsistency, violating FCRA 15 U.S.C. 1681c, and should be corrected or removed. Lastly, I dispute the remarks, stating " Charged off account ; Account closed by credit grantor, '' as these are misleading and should be removed in compliance with FCRA 15 U.S.C. 1681s-2. I request a full re-investigation of all account details, including the balance, creditor status, payment status, and remarks. Please provide written confirmation of the results of your investigation, along with a valid contractual agreement containing my full signature if this debt is valid.
Product: Vehicle loan or lease

After consummation of the XXXX XXXX XXXX, I learned that I was not Clearly and Conspicuously disclosed of my Right to Rescind. 
After certified mail delivery of my Notice of Rescission, the creditor did NOT reimburse the obligor. Instead, their was no legitimate response. I was told via recorded telephone call, that " I can not rescind the loan. Rescission applies only to houses. '' They did not mail this response as they said they would. Also to mention, the right to rescind is applicable to ALL consumer credit transactions. Please see XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ). 

The XXXX days for their reimbursement period has well past. A remedy is now demanded.
Product: Credit card or prepaid card

I, stupidly tried to purchase XXXX XXXX tickets on a website I know, XXXX XXXX XXXX today XX/XX/23 at XXXX XXXX  CST. The woman selling them had a XXXX age. ( do not know now if real or fake ). Said she needed by XXXX XXXX info to transfer the tickets. My daughter has it so I provided it. Then she said where to send the money by Zelle, which I did. Five minutes after making the transaction several email messages popped up saying this person was a fraud/scam. I went and tried to pull money back AND called XXXX to help me and they were USELSS. I locked my debit card. I have the name of the individual /email I sent $ $ to.
Product: Debt collection

I am writing the CFPB to inform you of the improprieties conducted on behalf of Affirm Inc, Affirm has no proof of authority written consent or court order that gives them permission to report anything about XXXX XXXX XXXX publicly. The CFPB Fair Debt Collection Practices Act was put into place to protect consumers from such trespasses. Affirm Inc is indirect violation of my rights to privacy as pursuant to the bill of rights. Affirm Inc is defaming my name and character to the public and is also in violation of the US Constitution. These discriminatory transactions that are reported are impacting my ability to attain goods like buying a home, for my personal, family, or household needs. My intent is to seek remedy in federal court. I request that Affirm Inc to cease and desist from all from all forms of communication from all public agencies and corporations including but not limited to all credit reporting agencies and debt collections. I am asking CFPB to investigate this matter and to asset with the remedy of this claim.
Product: Credit reporting or other personal consumer reports

Equifax has failed to continue consistent service... I have repeatedly sent NOTICE to update my address accordingly : XXXX XXXX XXXX Unit A XXXX, Georgia XXXX There should not be anything regarding my past whereabouts without my authorization as many criminals use any and all information possible to commit Identity Theft - see attachments. 

This is depriving me of my right to privacy.
Product: Debt collection

I am not liable for this debt with XXXX JUST MOVE XXXX XXXX and I do not have a contract with ALDOUS plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute several accounts on my credit report that contain inaccurate and unverified information. As a result of these errors, my credit score has been significantly impacted, making it difficult for me to obtain financing or credit when needed. 

I have made multiple attempts to address these inaccuracies with the creditors and the credit reporting agencies, but they have failed to correct the errors. Therefore, I am now escalating this matter to the Consumer Financial Protection Bureau ( CFPB ) to help enforce my legal rights and protect my credit. 

One particular account I want to highlight is the XXXX XXXX account, which was closed in 2017. According to my credit report, it was charged off and has since been sent to a collections agency. However, to the best of my knowledge, this account was never paid late, and I have not received any notice of it being sent to collections. This reporting is completely inaccurate and is ruining my credit. I demand that you update this account and delete the inaccurate information immediately. 

Another account that I dispute is the XXXX XXXX account. This account has been reported as unpaid, despite my records showing that it was paid in full and closed years ago. This incorrect reporting is damaging my credit, and I demand that you update this account and delete the inaccurate information immediately. 

In addition to these accounts, I dispute several others that I have no recollection of even belonging to me, such as the XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX  accounts. I demand that you remove these frivolous accounts immediately from my credit report. 

Furthermore, there are several unauthorized inquiries on my credit report, such as XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. I demand that you remove these inquiries from my credit report as they have reached the statute of limitations and were not authorized by me. 

Finally, I want to share a personal story of how these inaccuracies have affected my life. Due to the inaccurate reporting on my credit report, I have been denied credit and financing opportunities that I needed to take care of my family and business. This has caused me a great deal of emotional and financial stress, and I am at my wit 's end with the constant battle to get these errors corrected. 

Therefore, I demand that you take immediate action to update and delete the inaccurate information on my credit report, specifically for the accounts mentioned above. I am prepared to pursue legal action if necessary to enforce my legal rights and protect my credit. 

Sincerely, XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 


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: Debt collection

Portfolio recovery took my taxes in XX/XX/XXXX for a table set the store closed in XX/XX/XXXX they stil have a XXXX doller balance on my credit they took XXXX of my taxes its been 7 years there still try to threaten and tak money from me
Product: Debt collection

Pursuant to 15 USC 1692 a debt collection agency can not buy any consumer debt and go after the consumer for it I did not consent to this and the harassment. Debt was paid by third party therefore a 1099 form is needed. Pursuant to 15 USC 1601 charge off are paid in full 1099 form needed and please remove all closed accounts and charge off accounts.
Product: Debt collection

XXXX XXXX XXXX XXXX ( XXXX ) suspended my professional XXXX license in order to collect a default student due to my XXXX and which I attempted to consolidate through the XXXX XXXX XXXX XXXX. 

XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Tennessee XXXX with Toll-free phone number XXXX through their XXXX XXXX, XXXX is charging 16 % ( a PAYDAY TYPE fees and charges ) of the loan balance, thereby adding to the loan balance burden on the student.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to dispute two late payments that were recently reported on my Experian credit report. These late payments, from XX/XX/year>XXXX  ( 30 days ) and XX/XX/year>XXXX  ( 60 days ), are associated with my account number I believe that these late payments are in clear violation of the Fair Credit Reporting Act ( FCRA ). According to 15 U.S. Code 1681b, a consumer reporting agency can only furnish a consumer report under specific circumstances, including in accordance with the written instructions of the consumer.

Furthermore, 15 U.S. Code 1681a defines a consumer report as excluding any report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX while evaluating my Experian Credit report I observed a closed account from XXXX XXXXXXXX XXXX  and information that was bring reported was inaccuarate. While XXXX XXXX XXXX credit card was open I was never late on my payments. On XXXX of XXXX I was reported as late and it has affected my ability to acquire new credit going forward. Below is a copy of transactions. 

XXXX XXXX XXXX  Closed 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit - {$400.00} Payment Info Status Paid, was past due 30 days Status date XX/XX/XXXX Past due amount - Highest balance $ XXXX Monthly payment - Late payments XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NA - - - - - - - - - XXXX XXXX XXXX - - - - - - - - - On Time 30 Days Late N
Product: Checking or savings account

The bank transferred without my authorization from my savings account to my pending account to update a negative amount
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I reviewed my credit report and identified inaccuracies in the reporting of the following accounts : XXXX XXXX ( Account Number : XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), and XXXX  XXXX XXXX XXXX Account Number : XXXX ). I disputed these accounts with TransUnion, requesting verification. 

XXXX XXXX : The account was inaccurately reported as closed, though I did not request this. This violates 15 U.S.C. 1681s-2 ( a ) ( 1 ), which prohibits reporting information that is known or has reasonable cause to be believed inaccurate. 

XXXX XXXX XXXX : This account was sold to XXXX XXXX XXXX, yet TransUnion failed to update the status properly. I requested verification, but the account was incorrectly verified as reported, violating 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy. 

XXXX XXXX XXXX : This account was updated after my dispute, but the updates remain incomplete. Under 15 U.S.C. 1681i ( a ), TransUnion is required to reinvestigate thoroughly and ensure any inaccurate or incomplete information is corrected, which did not happen. 

These inaccuracies continue to negatively affect my credit, and I am requesting further investigation and correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I've tried asking Equifax through several debt validation letters sent on XX/XX/XXXX along with certified mailed returned receipt to send me all documents in my credit file that their sending me accounts are verified. Equifax is not allowing me to exercise my rights as a consumer to validate an alleged debt. Equifax knows that a company must have proof of validation of the alleged debts and has a job to make sure it is reporting entirely accurate and fairness of credit reporting. Equifax received this letter on XX/XX/XXXX and this debt collector has not sent me any documents that I asked for they are violating 's my right to validate the alleged debts, It has been far over 30 days since they have responded with the information request. I would like to demand audit trial for the accounts listed/furnished inaccurately : XXXX XXXX, XXXX and Dept of EducationXXXX XXXX Equifax also deleted the inquiry XXXX and reinserted with sending me a reinvestigation letter within 5 days of them reinvestigating this inquiry. I did not authorize nor benefit from the following inquires. According to FCRA the following inquires must be blocked and removed ( XXXX XX/XX/XXXX ) This is an injustice to continue to violate my rights as a consumer boldly, I also never gave them written permission to furnish this report no consent is identity thief, and they know that as well.
Product: Payday loan, title loan, or personal loan

Hi there, thank you very much for listening to my saga. I am a XXXX XXXX with XXXX XXXX  and XXXX XXXX XXXX. This event is killing me. I am not able to take my children on the vacation we had planned, it's a mess. 

Back story : I saw that {$220.00} was taken out of my account every XXXX weeks. 
XX/XX/XXXX - {$220.00} XX/XX/XXXX - {$220.00} XX/XX/XXXX - {$220.00} XX/XX/XXXX - {$220.00} XX/XX/XXXX - {$220.00} XX/XX/XXXX - {$220.00} XXXX - {$220.00} XX/XX/XXXX - {$220.00} *I will admit it took me longer to realize than it should have but I was dealing with a custody battle and extremely distracted *Much later I went through every bank statement and saw {$1200.00} was deposited into my checking account *Now I find this part odd. I actually did take out a legitimate loan with XXXX XXXX and XX/XX/XXXX was the exact day my first payment was due to them and subsequently debited from my account. 
Side Note : Why would I need a loan like this if I had just received my loan from XXXX XXXX. 

Flash forward to this past Monday, XX/XX/XXXX : - I was really at a loss as to go about remediating this issue. 
- The transactions on my bank statements are all labeled - " XXXX XXXX XXXX '' - I googled " XXXX XXXX  XXXX '' and found a phone number to call but it was incorrect incorrect # - XXXX The person who answered the phone actually gave a number correct # - XXXX - an inexperienced girl answered and finally I asked to speak with a manager, she would not let me talk with him - Finally I got manager on the phone and we spent an inordinate of time arguing back and forth but he wouldn't help me get my money back. 
- We went around and around time and time again and I finally just hung up. 

Other odd things : 1. This " loan '' does not show up as an account on my credit reports 2. Take a look at the " receipt '' I received ( attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to GM Financial on or around XXXX XXXX XXXX regarding a previous lease account that was showing as derogatory on all three ( 3 ) of my Credit Reports. The lease in question was returned XX/XX/, as having been satisfied and paid as agreed. However, my ( 3 ) three credit reports are now reflecting circumstances that are not accurate at all. The report reflects some of but not limited to the following, XXXX - ( Charge off ), XXXX- ( Charge off as bad debt ) and XXXX - ( Account now redeemed/was a repossession ). 

The representative I spoke was unable to find the account ; would subsequently request a supervisor to facilitate the matter further. The supervisor concurred with everything that I stated, however said that GM Financial could not facilitate any removal of items from my credit report, but a letter would be generated and mailed to me so that you may contact the credit reporting agencies myself. I have yet to receive said letter. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Please see the attached files where you will find all underlined or highlighted discrepancies.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX* Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Checking or savings account

Not the Place you would want to go to open a Business Account while being a Minority. On XX/XX/. I proceed to go and open my business account at this location. Once greeted I sat n spoke with a banker he proceeds to go over my paper work as going over it he told me there's an error one paper is miss XXXX on it. From there I knew this was the wrong bank to go to. He runs to the back and comes back out. Asking me everything he did before he went back. Now come the Branch Manager for some reason he has to take over opening this account. After showing my business credit cards he proceed to say it must be a major bank credit card. I Live in a luxury complex where the lease is digital n on a login portal. He proceeds to stay that's not acceptable. Next I offer my water bill. Not acceptable, now at this point he's lying. He does wants to open this account for me. I can bet any amount of money that bank specifically doesn't offer higher services to minorities other than a checking accounts.