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

I am urgently requesting your immediate attention to a critical matter : I have been a victim of identity theft, resulting in multiple fraudulent accounts and inquiries being added to my credit report without my knowledge or consent. 

ACCOUNTS ( XXXXXXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) ( XXXXXXXX XXXX XXXX XXXXXXXX ) INQUIRIES XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite numerous attempts to contact the credit bureau to resolve this issue, I have received no response or action. I have already filed an official identity theft report with the Federal Trade Commission ( FTC ), and I am now urging the swift removal of these unauthorized items to restore the accuracy of my credit report.
Product: Checking or savings account

I have attempted to close my Navy Federal Credit Union account but the supervisor is refusing to close my account after i have requested it.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and New York Laws Dear LVNV FUNDING LLC, 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 ), as well as identity theft fraud laws under New York State Penal Law 190.80 . 

It has unequivocally come to my attention that LVNV FUNDING LLC has already 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, New York State law, specifically under Penal Law 190.80 ( Identity Theft in the First Degree ), underscores the seriousness of unauthorized access and misuse of personal information, including unauthorized credit reporting. Such actions not only violate my rights under federal law but also infringe upon New Yorks stringent identity theft protections. 

I assert with unwavering certainty that I have not provided consent for LVNV FUNDING LLC 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 LVNV FUNDING LLC 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 New York State Penal Law 190.80. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft and fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and New York State law. 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 LVNV FUNDING LLC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Debt collection

This debt has been charged off. Which means that they already recouped the money via filing for the loss on their taxes. At that point, income can not be reported on a consumer report. I asked for the 1099c so I can file as well and haven't received it.
Product: Mortgage

I have a home loan w ith Wells Fargo that is currently in arrears. I have spent the last year working with agents o n negotiating a reasonable payment plan, restructure, or loan modification, but I can not seem to get through the red tape. I feel I have not been accurately reviewed for any other options that would lower our monthly payments. I have done everything I can possibly think of to resolve matters with  Wells Fargos agents, but my pleas for assistance have been ignored. Wells Fargo re ceived {$25.00}  XXXX  dollars in bailout funds from t he U.S. Treasu ry. As such,  Wells Fargo  should be helping struggling homeowners like me, rather than pushing them toward foreclosure. Wheres my bailout? I am now in danger of losing my home to foreclosure, and need your offices help! A SALE DATE IS SCHEDULE FOR   XXXX   XXXX   XXXX  !!!     In  XXXX , I purchased my home signing a purchase money loan originated with  XXXX   XXXX . In  XXXX , I refinanced my mortgage signing a new loan originated with  Wells Fargo . In  XXXX , I received a loan modification. I timely tendered my mortgage payments on time as agreed for  XXXX  years. However, in  XXXX , Due to the struggling, I lost a substantial amount of business revenue along with the building I owned and ran my production company out of. I did the best I could to keep up with my mortgage payments, going as far as depleting my savings and reserves, but eventually defaulted on my home loan and was moved to foreclosure status.     In  XXXX , I contacted  Wells Fargos ag ents advising of my struggles to tender my mortgage payments. I was advised by  Wells Fargos  agents that I am not eligible to apply for a new loan modification at that time. However, recently, Wells Fargos agents offered me the   opportunity to apply for a new loan modification. I completed and returned the loan modification application, along with all required documents. After receiving what I can only call a runaround and paper-chase, with agents requesting and re-requesting the same documents repeatedly, no decision has been rendered. No other home retention options have been offered. A SALE DATE IS SCHEDULE FOR   XXXX   XXXX   XXXX  !!!     How is it possible that  Wells Fargos a gents have not afforded me the opportunity to be reviewed for a reasonable and fair resolution? My income is enough to afford a reasonable monthly mortgage payment and resolve this matter. I am certain that there are home-retention programs for which I qualify,  yet Wells Fargos  agents are denying me access to them. There is no justifiable reason fo r Wells Fargos agent s not to work with me and consider me for government programs such as a restructure, loan modification, and forbearance.
Product: Credit reporting or other personal consumer reports

RE Account Numbers XXXX  System & Services Technologies, This letter is a formal complaint that you are reporting my nonpublic and personal information without my written consent. Please show me the proof you sent me giving me options on how I could opt out of sharing my nonpublic information and proof showing you gave me the option to not disclose my transaction history each month with a third party. 
The law states a consumer must give written consent to opt out of sharing their nonpublic information to the financial institution. I did this and you stated I did not have that right to opt out. It is a violation to report my transactions or experiences between you and I with a third party or consumer reporting agency without my written consent. It is the policy stated by 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 to insure the security and confidentiality of their customer records and information. This includes protecting against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 

I the consumer should have been given the opportunity, before such information was to be reported which gives me the option to direct you that such information should not be reported. I also should have been explained how I could exercise that nondisclosure option, which I was never advised. I have written multiple times, and you have continued to ignore my written request. 

Your failure to comply with the law and my written request has hurt my ability to obtain credit. Again, I am requesting to opt out of sharing my nonpublic information and for you to remove all my transaction history from all nonaffiliated third parties such as XXXX XXXX XXXX XXXX XXXX immediately. Otherwise, I will pursue legal actions for every month my nonpublic information has been reported which could be a fine of {$1000.00} per violation. 

Thank you for your immediate attention to this matter. 

XXXX XXXX XXXX, BENEFICIARY Without Recourse, All Rights Reserved
Product: Debt collection

I have received a letter from " Linebarger Goggan Blair & Sampson, LLP Attorneys at Law '' repeatedly over the past year. It claims that I have the amount of {$87.00} due to " XXXX XXXX XXXX '' with a 6 year old license plate from Florida. 

It claims " Our law firm previously sent to you a letter regarding your debt with XXXX XXXX XXXX ( XXXX ) for unpaid tolls and related fees in the amount of {$12.00}. You have failed to respond to our correspondence and we are assuming that this debt is valid. 
According to the XXXX, you have an additional outstanding debt in the amount of {$75.00} for unpaid tolls and related fees. Unless, within thirty days after your receipt of this notice, you dispute the validity of the debt or any portion thereof, we will assume the debt to be valid. If, within thirty days after your receipt of this notice, you notify us, in writing, that the debt or any portion thereof is disputed, we will obtain verification of the debt or a copy of a judgement, if any, and mail it to you. If the original creditor is different from the creditor named above, then upon your written request within thirty days after your receipt of this notice, we will provide you with the name and address of the original creditor. 

Payment can be made by credit card by logging on to XXXX   ... ... '' This company is a scam. I contacted the REAL XXXX XXXX XXXX  at their REAL website and they have NO record of me owing money on a missed toll. I have the XXXX in my vehicle and have never not paid a toll. 

The amount of mail that I receive from this SCAM is insane. I get a letter once a week. If you look up the " Linebarger Goggan Blair & Sampson scam '' you will get all the information you need!
Product: Debt collection

I received a statement from Kia Finance dated XX/XX/year>, stating that I owe a past due amount of {$320.00}. I requested the payment history for the entire period I have financed my vehicle, from XXXX to XXXX ( 5 months total ). After calculating my total payments to date, I verified that I've made payments exceeding the minimum required for the 5 months. The total payments made are {$4600.00}, which is {$1000.00} more than the minimum required. Therefore, I do not owe the amount they claim. When I spoke with the representative, she mentioned that the payments might have been misallocated to the wrong month but did not attempt to rectify the collection issue, simply stating that I still owe the amount. I asked her to review my payments and ensure they are correctly allocated to show that I don't owe {$320.00}, but she said she was unable to correct the issue. I requested to speak with a supervisor several times, but was told that the supervisor was not available.
Product: Mortgage

XXXX XXXX of the XXXX XXXX XXXX has been doing a Reverse Mortgage for us. The loan was denied due to underwriting guidelines. Another company was secured that figured out a way to work with the doctor to provide more accurate incapacity letters. A letter from the client to XXXX XXXX, XXXX, XXXX, requested that the FHA Case number be released as well as the appraisal done on XX/XX/XXXX. These requests were made over 3 weeks ago. Finally we initiated a payment for the appraisal to resolve the issue. A check was sent overnight to XXXX XXXX for the appraisal and it arrived last week. Still the FHA case number has not been released, and there has been no provision of the appraisal. Instead of honoring the request he called promising that Nationwide could do the loan in two days. Which is clearly fraudulent as it has to go through underwriting and a process. This money is to provide for my Mom in the XXXX XXXX, and XXXX XXXX as keep us " XXXX '' by not complying to these basic requests. He is now acting unethical and and his delays are causing emotional and potentially financial consequences.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report for the first time in years, i noticed that I have an abundance of unrecognized hard inquiries most prominatley in the form of, but not limited too ; " XXXX XXXX. The " Creditors '' are listed below - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am not liable for these inquires and do not have a contract with XXXX. They have repeatedly failed to provide me with the original application as requested. per 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 an account without my written instructions.
Product: Debt collection

I hope this letter finds you well. I am writing to address a concern regarding the accuracy of my credit report. After a careful review, I have identified late payments on my credit report that I believe to be inaccurate. I am requesting your assistance in either removing or correcting these late payment entries promptly. 

I understand the significance of maintaining an accurate credit history and its impact on my financial standing. I am committed to ensuring the correctness of the information reported on my credit file. 


XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service I kindly request a thorough investigation into this matter and ask for the removal or correction of the inaccurate late payment entries from my credit report. It is crucial to me that my credit history accurately reflects my financial responsibility.
Product: Credit reporting

I submitted a dispute online through Experian in XXXX for late payments with XXXX XXXX. the dispute was resolved electronically as item remains the same. I then wrote a dispute letter directly to XXXX and received a response and letter stating the information they reported is wrong and they will update the late payments to current and paid as agreed. The letter was dated XXXX XXXX XXXX. I waited for the bearueas to be updated. XXXX and XXXX updated the account payments from late to current but not Experian. I called Experian today and spoke to XXXX and told him I received a letter for the corrections and that the updates needed to be done on my Experian report. He said I have to send a dispute and they handle it electronically. I advised him that I needed to send the letter to a physical person for them to verify the information so the late payments can be removed and he said no. he said I had to file another dispute. I told him that I do n't want an open dispute on my credit file and I had already disputed and received a response from XXXX. He refused to help me, He only gave me an address, I asked for a supervisor and he said for what because a supervisor wont help me and will tell me the same thing. I am not happy with the situation and I need this account to be updated and correted as the letter states from the lender. 
filing an electronic dispute will only yield a dispute comment placed on my credit file and will not fix the problem. Experian needs to accept the letter from the lender and verify the information just as if I were a mortgage company requesting a rapid rescore with valid documents. but instead I am treated like trash and my rights as a consumer have been violated. I asked for his complaint department and he said they wont do anything. I offered to send a copy of the letter for him to verify and he declined. he said it all had to be electronic. I would like a response and the XXXX XXXX late payments for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX to be updated as current just like the letter shows it should be manually and not through filing another electronic dispute.
Product: Credit card or prepaid card

This complaint is about my Chase Freedom credit card. I had this credit card for a 2-3 years, and my highest limit was {$12000.00}. I was paying it monthly and going about my business as normal. This year I have not worked due to COVID. I have not been able to find work even after applying - either I was too over qualified as I was given an excuse of or just havent been contacted. I would take anything right now. Anyway, I havent been able to pay this credit card as I am choosing to pay my rent before the card. Chase knows I can not pay, and they continue to charge late fees and interest fees. They keep sending emails that it will be written off. Fine. But it hasnt ... so it continues to charge me fees that I can not pay. This is ridiculous. I would have paid it back when the charges were smaller if they allowed me to set arrangements, but they did not.
Product: Vehicle loan or lease

Late XXXX 2018 I was offered 10.65 % on {$10000.00} approval. I shopped for the minivan I needed for work. XXXX XXXX {$6900.00}. sent paper work, then they said they want 15 % so I agreed. 

But actually I'm paying {$3.00} a day for the duration of 5 years, which totals {$3600.00}, with the paper work fees I borrowed {$7500.00} and will pay {$3600.00} in Interest. 


My monthly statement reflects 53 % of each payment goes to interest.
Product: Credit card or prepaid card

These fraudulent items need to be removed from my Experian credit report. Images will be submitted below.
Product: Student loan

On XX/XX/XXXX I completed a application for XXXX XXXX to Fed Loan Servicing. I was able to input all of the required information ; but when I pushed the submit button it would give an error message saying that " we're unable to take your borrower defense request right now. We're working to fix the issue. Please come back later to submit. We aploogize for the inconvenience ''. I have tried at least 50 times on different occasions ( XX/XX/XXXX to present ) to submit the application on different devices ( phone, tablet, and computer ) and browsers ( XXXX XXXX  XXXX ) yet I still get the exact same error message when I push submit on either device. There is a extreme flaw on the studentaid.gov website that is not allowing applications to be submitted. It is affecting the integrity of the fed loan servicing/ student aid borrower defense application submission/ process. With over XXXX XXXX students that utilize student aid through fed loan servicing and its affiliates ; the flaw on the website is a tactic that is being used by fed loan servicing to prevent students from having a fair opportunity to apply for borrower defense and receive a resolution in a timely manner. Its a ploy to frustrate students and have them give up on gaining a resolution that they are advertised to have as an option regarding addressing issues and violations that students experience and advertised for students to have access to. I have called and no manager or staff at federal student aid has been able to fix the issue with the borrower defense application submit button on the federal student aid website. I also read online on reddit ; posts from students in other states that have the exact same issue when trying to submit an application for borrower defense.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DNF ASSOC XXXX XXXX XXXXXXXX To Whom It May Concern : This letter is a formal Complaint under FEDERAL FAIR CREDIT REPORTING ACT ( FCRA ), 15 USC Sec.

1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. Sec 1681s-2, that the Credit Reporting Agency could be reporting Unauthorized and Fraudulent Credit Inquiries by these Original Creditors on my credit report and is a violation of the Fair Credit Reporting Act Section 604 ( a ) ,604 ( b ), 604 ( c ), 609, and 623 ( a ) ( 6 ) ( 8 ) and Fair Credit Billing Act, and Title 15 U.S.C. section 1681b ( a ), 1681b ( b ), 1681b ( c ), All data on My Credit Report must be 100 % ACCURATE, 100 % VERIFIABLE, and 100 % TIMELY, or By Law can not be on My Credit Report. PERIOD, per Sec 623 ( b ) ( 1 ) ( E ).

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal, I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Inquiries are not a matter of record when I never gave these companies access to My credit file!! 
According to Section 604 of Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 

( F ) otherwise has a legitimate business need for the information i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting shall- ( i ) promptly delete. 

The following inquiries are unauthorized.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( XXXX XXXX XXXX  XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "