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

I have certified mailed in disputes 4 times asking Transunion to validate that the debt reporting on my credit file is actually mine and is correct. I asked for them to send me an original signed contract with my signature on it. I have never gotten any of this. Their investigations continue to come up as " verified. '' I have even emailed the ceo, XXXX XXXX, about this issue to see if they can look into it, I've gotten no response. I asked 4 times that under the fcra, if they can not properly verify, then they must delete the account and they have failed to follow the FCRA. I am going to litigate in small claims court and make them pay me for all of the 5 accounts on my report because of NEGLIGENT NONCOMPLIANCE if they continue to violate my federal rights.
Product: Vehicle loan or lease

Please update my credit report with this incorrect information. I recently got my credit report from your Bureau and saw this unimaginable reports with XXXX and the investigation 's findings were " confirmed. '' I was never late on this account but you are reporting me as one? why is that? I'm fascinated with this " documents '' from the so-called account. Because I argued with the creditor with the lates i saw in my account that you doubtless " confirmed '' it. I want you to update this incorrect information in my account ASAP! 

Account Bal. {$3300.00} Account # XXXX
Product: Credit card

I received my credit report and Discover Financial Services account number XXXX is on my credit report. I did not open this account this is a fraud account. I have a fraud alert on my credit report I have talk with Discover and ask them to validate this account and to provide me with proof that this is my account. they will not provide me with any proof that I open this account this account will not verify the account please help ...
Product: Vehicle loan or lease

I was laid off of my job on XX/XX/XXXX. I have been trying to work with Honda Financial Services in taking partial payments from me. I am currently collecting unemployment and my check is very small and I can barely make it with other bills I have. I can pay them all, but I can only make partial payments. I can not be without a car, I worked hard for the car and gave up the only {$1000.00} dollars I had at the time for a down payment. They are unwilling to work with me, stated that I have to pay the full Past due, and if I can not pay that amount, they have to pick up the car. How can a car dealer be a business and not help customers when life hits the fan. There has to be a better way to keep customers on the road. It is the year XXXX and I can not believe there isnt better programs in place so that the consumer does not have to deal with repossession. I even traded the car I had that I wish I could get back and now look where I stand. There had to be a better way around this, there has to be a better solution.
Product: Credit reporting or other personal consumer reports

12 CFR 1022.24 - Reasonable opportunity to opt out.

CFR Table of Popular Names prev | next 1022.24 Reasonable opportunity to opt out. 
( a ) In general. You must not use eligibility information about a consumer that you receive from an affiliate to make a solicitation to the consumer about your products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by 1022.21 ( a ) ( 1 ) ( ii ) of this part. 

( b ) Examples of a reasonable opportunity to opt out. The consumer is given a reasonable opportunity to opt out if : ( 1 ) By mail. The opt-out notice is mailed to the consumer. The consumer is given 30 days from the date the notice is mailed to elect to opt out by any reasonable means. 

( 2 ) By electronic means. 

( i ) The opt-out notice is provided electronically to the consumer, such as by posting the notice at a Web site at which the consumer has obtained a product or service. The consumer acknowledges receipt of the electronic notice. The consumer is given 30 days after the date the consumer acknowledges receipt to elect to opt out by any reasonable means. 

( ii ) The opt-out notice is provided to the consumer by email where the consumer has agreed to receive disclosures by email from the person sending the notice. The consumer is given 30 days after the email is sent to elect to opt out by any reasonable means. 
( 3 ) At the time of an electronic transaction. The opt-out notice is provided to the consumer at the time of an electronic transaction, such as a transaction conducted on a Web site. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction. There is a simple process that the consumer may use to opt out at that time using the same mechanism through which the transaction is conducted.

( 4 ) At the time of an in-person transaction. The opt-out notice is provided to the consumer in writing at the time of an in-person transaction. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction, and is not permitted to complete the transaction without making a choice. There is a simple process that the consumer may use during the course of the in-person transaction to opt out, such as completing a form that requires consumers to write a yes or no to indicate their opt-out preference or that requires the consumer to check one of two blank check boxes ; one that allows consumers to indicate that they want to opt out and one that allows consumers to indicate that they do not want to opt out.

( 5 ) By including in a privacy notice. The opt-out notice is included in a Gramm-Leach-Bliley Act privacy notice. The consumer is allowed to exercise the opt-out within a reasonable period of time and in the same manner as the opt-out under that privacy notice. 
XXXX XXXX Account XXXX : XXXX
Product: Debt collection

After reviewing a recent credit report, several accounts appear to have been added without consent and seem to be incorrect. There is a request for the immediate removal and blocking of these fraudulent accounts.
Product: Mortgage

Hello, For the past 6 months I was in contact with Bank Of America and was asking them to extend my loan modification for another 5 years due to the fact that I was diagnosed with XXXX in XXXX XXXX. I explained to them because of my XXXX, and the XXXX and XXXX which I went through, and XXXX XXXX which I had in XXXX, I am not able to put the same hours and work as same as I did before. The Bank of America in the beginning supported me, and actually for 6 months they played with me mentally, and yesterday they send me a letter that I will not be qualified for another loan modifcation, and they are suggesting to do short sale. Even during the period of my XXXX treatment, I borrowed money to pay the mortgae and tried my best to be a good citizen and not be a late late on my mortgage. Now on the letter that they sent me on XXXX/XXXX/XXXX, they are telling me that I dont have any hardship, because for the past 5 years I paid my mortgage on time. I am an XXXX, physically my body ca n't tollerate to work XXXX hours a day to make at least {$700.00} a week, and Bank Of America does not understand that which I only asked them to extend my loan Modification which will ends on XXXX XXXX, XXXX, till I figure out what my situation will be financially and physically. For 6 months, over and over again they asked me to fax, mail them my documents, which I did. Several times they lied that they did not receive my documents, even though I sent them with self XXXX envelope. They assigned XXXX different Customer Relationship Managers over the past 6 months on my case, just to waste my time and to kill time in order for me to explain my case over and over again to new representative, and started everything again. I even several times complained to Bank Of America Heaquarter, but no mercy. I did send them whatever they asked me to do, but at the end they denied everything and telling me do short sale. The Bank Of America got money from the government to help me and people like me in the situation like this, I am shocked that why they are not willing to re-modified my loan for another 5 years, till I know where I am standing with my XXXX. I am not sure if My XXXX is coming back or not?, physically I am very week and do n't want to lose my home and do short sale as they suggested.
Product: Credit reporting or other personal consumer reports

I went to check my credit and I saw my scores dropped by XXXX points when I checked it said I had a {$350.00} loan from transform credit so I said that wasnt me and it seemed as if it was a XXXX XXXX monthly payment for the next 5 years and the first payment had been taken out of my bank but that wasnt me who did it and I want my credit to go back to the way it was and fix this mistake/ fraud.
Product: Debt collection

On XXXX XXXX,2017 I received a notification from the credit monitoring site that a new collection account has been added to my credit report. Being that I have been a victim of the identify thief twice this was very alarming to me. The debt collector Premiere sent me notification of an alleged debt in which I followed up in writing within the 30 day window to dispute this alleged debt. Not only did I dispute this debt in writing I also requested that they provide me with copies of medical records and statements from the original credit. I took it upon myself to also reach out to the original creditor XXXX XXXX XXXX XXXX and request the same information in question. After disputing this alledge debt with Premiere and the original creditor, I also sent over proof of identify theif. The original creditor agreed that this account was linked to fraud and deceased collection attempts. Premiere on the other has violated my rights under the fair debt collection practices act section 809 which states I have the right to dispute this debt within 30 days and I also have the right to request proof of the alleged debt of which contains my signature. Premiere is unable to provide this information because it does not exist! I request that all collection attempts and negative reporting to all credit bureaus cease immediately before I seek legal action!
Product: Credit card or prepaid card

In XX/XX/2019 Discover Card alerted me to fraudulent activity on my card, closed the card, and sent me a new card. 

A service company that I was using at that time had their charge for {$95.00} denied because of the closed card. I updated my payment with the service company providing them a different Credit Card for payment. 

A few weeks later in XX/XX/2019 I cancelled my service with that service company, following the service company 's cancellation policy to call in and speak with a sales person. I did that and was told my service had been cancelled. 

Unfortunately that company proved to be dishonest and sent their people to my home which I refused explaining that I had cancelled service. In XX/XX/2019 I placed a second call and once again was transferred to a sales person who once again assured me that my service was cancelled. 

The company continued to send people to my home and I refused them each time and threatened to sue them for fraud and harassment if they did not stop. 

Over six ( 6 ) months after the original Discover Card account was closed, Discover Card allowed two separate charges by the service company to be approved and show up on my new account, which I never provided to the service company. I contacted Discover Card and disputed the charges. The service company only responded to one of the disputes claiming that we had a contract and Discover Card refused to reverse the charge. 

I spoke with three ( 3 ) different people all of whom refused to credit back the charge stating it was a recurring charge which I disputed. I submitted proof to Discover Card after they declined the charge from the service company in XX/XX/2019 that I provided the service company a different Credit Card for payment. 

Discover Card still refused to remove the charge from my account. I asked them how many times they denied charges to that account from the service provider from XX/XX/2019 through XX/XX/2019 and they refused to provide that information. 

After more than 15 years of being a loyal customer, paying off my balance every month, and never missing a payment, I closed my account with Discover Card and refuse to pay for the fraudulent charge. Discover Card has applied late payment fees to my closed account for the fraudulent charge that they allowed and is submitting non-payment notices to the Credit Bureaus attempting to harm my 800+ credit rating.
Product: Credit card or prepaid card

Applied for 18-month interest free credit card from Wells Fargo late XX/XX/XXXX. Received it early XXXX. They now say interest begins to accrue XX/XX/XXXX. Spoke to one rep who said thats when the offer expires. Spoke to another today who just keeps saying that XXXX is 18 months, no matter what i say.
Product: Credit reporting or other personal consumer reports

I was unaware of an account opened in my name. Im a victim of the XXXX breach as well as identity theft. Ive disputed it with all XXXX credit reporting agencies and its coming back as a charge off? The non credit debtor is refusing to comply with the law even though they have stated they are not a credited debtor still report on my credit report since opened XX/XX/XXXX account # XXXX and Account # XXXX opened XX/XX/XXXX Recently I found out it was a account that was opened for XXXX  XXXX that I never gave authorization so when I called 2 months ago they said they would fix it and have it removed but never did and deprived my family of opportunity because of this I asked for proof of the account and how it was opened in my name and didnt receive anything on that other than this company verified it was me that opened it some how. I dont know where it came from and I dont have an explanation of that either. I never received mail, a phone call, or anything from this company how was I supposed to know about this? I noticed it XXXX of this year on my credit reports and now it looks like it reported numerous charges off over XXXX $ charge offs on this amount of less than Ive asked for proof of everything and nothing is getting done, its making it worse. 
On top of that other hard inquires I never accessed Ive contact these companys whos said I dont have accounts with them still report on my credit report and Im lost for words no one will help me I have given documentation verification that has been valid claims for deletion and be compensated for these multiple repeated violations The unknown hard inquire accounts I mentioned are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Jpmc card XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX All of these are scattered across my updated credit report from diffrent bureaus which is a definite sign my information is not being looked into and properly investigated like it says it should be done and Im feelin deprived of my rights and freedoms at this point
Product: Vehicle loan or lease

On XX/XX/2023 XXXX XXXX contacted me by phone from Regional Acceptance. Without my consent. This is a violation due to the fact that I did not give her written consent to call my phone to discuss the complaint that was filed through the CFPB days before contact. So the following day XX/XX/2023 I texted her to let her know she was in violation and also tried to get her to go back to the cfpb or even email me. Instead she proceeded to try to figure out why the complaint was made to begin with. I went ahead and told her and she denied any laws that were given to her. She stated she wanted to know why I felt discriminated against. I proceeded to tell her. I also want to add other reasons to my complaint. If you look at 12 CFR 202.9 ( 3 ) ( b ) ( 2 ) statement of specific reason basically the reason for the adverse action is discrimination due to the fact that a person with a credit score of XXXX gets approved and a person with a XXXX doesnt. So the specific reason is in fact insufficient. Due to the fact that a fico score or debt can not be used as specific reason. So what is the specific reason for the denial? This is also a violation of the ECOA I also requested to speak with the underwriter and XXXX stated that there was no underwriter. This lady continued to deny anything that I stated also known as laws she completely denied everything. She stated she would respond to my complaint in the allotted time.
Product: Mortgage

We are looking to recast our mortgage. The mortgage loan is held by XXXX XXXX XXXX and serviced by Shellpoint Mortgage Servicing. We were asked by XXXX XXXX XXXX to contact Shellpoint directly. Shellpoint asked us to submit a request in writing asking to recast our mortgage. When we did so, they immediately wrote back saying : " This email is in response to your request to recast your loan. Shellpoint is servicing the loan on behalf of the current investor, XXXX XXXXXXXX XXXX XXXXXXXX XXXX. Please be advised XXXX XXXX XXXX does not participate in recasting. '' When we contacted XXXX XXXX XXXX again asking for a clarification -- as their website contains a lot of information on recasting. I spoke on the phone with XXXX XXXX an escalation case manager at XXXX XXXX XXXX who sent me back to Shellpoint. 

At this point, the two companies are sending us round in circles, pointing us back to the other person. It is completely unclear why the loan can not be recast and who is making the decision. The information on their websites ( both Shellpoint and XXXX XXXX XXXX ) is completely contradictory to what we have been told on the phone and via email.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am making a complaint against the three Consumer Credit Reporting Companies XXXX, XXXX, TransUnion & FICO for credit reporting description and for reporting my credit report low because I am a XXXX XXXX XXXX  Female and a XXXX. I have all exceptional payment history and my credit score never increased. I paid my bills in a timely manner and was limit in the amount of credit I could borrow at under {$100000.00} when {$64000.00} of the credit is deferred student loans. I went through a job and needed to obtain a loan and my credit was continuously score low for ( 3 ) years and credit limit lack or ( XXXX ) so that when I got in a financial pinch I would be able to obtain any credit. I wont my credit score increased to its place. ( In the XXXX ) If I was a XXXX XXXX based on my exceptional payment history on multiple accounts my credit score would have been much higher at least in the XXXX. This is abuse of Credit Reporting for the Free Market and I want my credit score fixed by all three reporting agencies or I may sue them for abuse and Credit XXXX against XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under Section 611 of the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute any inaccurate or incomplete information on their credit reports. This section places specific responsibilities on both the credit reporting agencies ( CRAs ) and the information furnishers, ensuring that consumer disputes are handled accurately and fairly I am writing to file a formal complaint against the credit reporting agency Trans-Union , regarding the inaccurate reporting of non-compliant information on my consumer report. My efforts to address this matter directly with Trans-Union have yielded unsatisfactory results, prompting me to seek assistance from your agency. 

Background and Dispute Nature : On XX/XX/XXXX, I submitted certified mail dispute letters to Trans Union, disputing the accuracy and compliance of information reported by XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Despite providing evidence and raising concerns about the information 's non-compliance with Metro 2 guidelines, Trans Union responded that the information was Metro 2 compliant, despite the evident inconsistencies. These inaccuracies have had significant adverse effects on my financial well-being. 

Trans Union Role and Responsibility : As the entities responsible for accurately reporting and maintaining consumer information, I am deeply concerned Trans Union apparent lack of vigilance in upholding the integrity of the credit reporting system. Trans Union play a crucial role in helping consumers access fair and accurate credit reports, which in turn impact their financial opportunities and well-being. In my case, Trans Union failure to accurately report non-compliant information has led to severe financial and personal repercussions. 
Reporting Discrepancies : XXXX TransUnion XXXX Reported On Record To XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Payment Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Payment Date ( per TransUnion ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Payment Date ( per XXXX ) XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Days Late in - XX/XX/XXXX XXXX XXXX XXXX Days Late in XX/XX/XXXX - - XXXX  Days Late in XX/XX/XXXX XX/XX/XXXX - XXXX  Days Late in XX/XX/XXXX XX/XX/XXXX-
Product: Debt collection

These accounts do not pertain to me at all. Please have to remove them from the bureaus agencies. Please see below the list of accounts : XXXX. ) Identity Theft CITICARDS CBNA Account number : XXXX This is not mine. 

XXXX. ) Identity Theft CXXXX Account number : XXXX This is not mine. 

XXXX. ) Identity Theft XXXX XXXX XXXX XXXX XXXX Account number : XXXX This is not mine. 

XXXX. ) Identity Theft XXXX XXXX XXXX Account number : XXXX This is not mine. 

XXXX. ) Identity Theft XXXX XXXX XXXX Account number : XXXX This is not mine. 

XXXX. ) Identity Theft XXXX XXXX XXXX Account number : XXXX This is not mine. 

XXXX. ) Identity Theft CITI Account number : XXXX This is not mine.
Product: Debt collection

I sent XXXX XXXX XXXX letter to cease and desist calling me. I let them know that I am criticaly ill and living on XXXX XXXX  XXXX and was no longer able to pay on the account and that I was destitute. Also that I was judgment proof and I asked them to stop calling me. That letter was sent certified on XX/XX/XXXX and I got a statement on XX/XX/XXXX and they called me on XX/XX/XXXX at XXXX. And I still ca n't pay them. I have XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and got to have XXXX to get a XXXX taken out. I havery no money to pay nobody.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX   XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my 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 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 
Company Inquiries 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