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

Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802 I'am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to XXXX XXXX XXXX acct # XXXX written, unwritten, verbal or non verbal to report my nonpublic personal information. XXXX XXXX XXXX acct # XXXX is in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt out because I was never notified by XXXX XXXX XXXX acct # XXXX that my nonpublic personal information was going to be shared to non affiliated third parties such as Experian, XXXX, and XXXX. I was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt out notice every XXXX ( XXXX ) days which XXXX XXXX XXXX acct # XXXX never sent to me. I am hereby exercising my rights under 16 CFR 313.7 Form of opt out notice to consumers. Also, XXXX XXXX XXXX acct # XXXX violated the terms and conditions within their banking agreement, because XXXX XXXX XXXX acct # XXXX states that they do not provide consumer information to third-parties which they violated by reporting my nonpublic personal information to the credit reporting agencies listed above. According to 15 USC 6802 B ) I am supposed to receive XXXX different disclosures before my nonpublic personal information is shared but I never received notice. I also realize that my account is being sold on the secondary market without my consent and if this account is not removed from my report within XXXX hours. I will file a SEC complaint. I will be forced to get an audit report done on my auto loan if this account is not removed and under law this is a charge off account and charge offs is considered income and income can not be listed on any credit reporting agencies.
Product: Mortgage

I have a loan and escrow account with Huntington bank. I recently found out that there are two insurance policies wrongly attached to my loan so I got a double charges which cause a shortage in my escrow account. I have talked to my loan initiator XXXX XXXX ( phone is XXXX and email is XXXX ) who said the 2nd policy will be removed from my loan within SLA XXXX hours but it didn't happen for the first time then made 2nd request still didnt happen. They violates SLA twice back to back. I called XXXX XXXX XXXX ( XXXX ) directly. A representative XXXX took my call and promised to call me back but never did. 
I raised the issue in XXXX now XXXX month has been gone, still nothing is resolved ...
Product: Debt collection

A debt collection company named XXXX XXXX XXXX XXXX is contacting me regarding a debt with Spotloan. I 've asked this company to send me the information in writing to my home address. A representative by the name of " XXXX '' states they 've sent the letter previously and it 's not their fault if I did n't get it and that they refuse to send me another letter in writing. 

Also, I 've received a call from family members stating this company is trying to reach me on several other phone numbers, XXXX and XXXX. These calls have to stop. They 've been instructed that they should not be contacting any other numbers.
Product: Checking or savings account

I tried to open a XXXX XXXX XXXX with Capital One and at first, they said there was a fraud alert. After wasting about 45 minutes with the company, they said I could not open an account with them, and only cited that I had closed an account with them in XXXX. They said I would not be able to open an account with them, and that was the only reason. This doesn't make sense to me Can you please look into this matter for a full and more clear explanation. Thank you!
Product: Credit reporting or other personal consumer reports

I was checking my credit report and notice that credit cards were being taken out in my name and I had no knowledge about the credit being given. XXXX XXXX XXXX  has Issued to credit cards in my name back on XX/XX/XXXX account last four numbers XXXX with a credit limit of XXXX dollars and a balance of XXXX dollars, the account was closed on XX/XX/XXXX and the last payment was made XXXX. I nerve applied for a card from this company and would like it removed from my credit report. 
This credit card account last 4 numbers are XXXX issued by the same company listed about on XX/XX/XXXX with a credit limit of XXXX dollars, with a balance of XXXX dollars. The last payment date was XX/XX/XXXX, and a closed date of XX/XX/XXXX. I would like the credit issue removed from my credit report. I was never issued credit by this company in XXXX. 
This next credit card was issued by XXXX with the last four number of the card being XXXX. Issued on XX/XX/XXXX, with a credit limit of XXXX dollars, and a balance of XXXX dollars, last account activity on XX/XX/XXXX and a close date of XX/XX/XXXX. I never applied for this card, and would like this matter removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been sending the requested information to the credit bureaus regarding my identity theft case but i'm not getting any help.
Product: Credit reporting or other personal consumer reports

This is reporting on my credit report and it's not me. I have not ever attended a college. This false & fraudulent information on my credit report that do not belong to me. By law it's illegal for this to be attached to my name and social if it's not my account.
Product: Credit card or prepaid card

Regarding that doesn't mean that I am only person in this world goes to this places so that is nor accurate enough and it doesn't matter my account was closed so I am move my money back and any funds owe to me on open dispute I want. I am contacting further people bc my account closed based off of my complaint I know it Show quoted text No I am fine with that but this is not the last I will seek legal action because this is a country where millions of people go to the same place or can go to the same place. I am really glad you did it the way you did because I have my team already ready this company is a joke and several people file cases against you off the same thing you are doing to me but I will have my money put in more trusted bank. you send the letter after you close my account which make no sense but you was corresponding to me and the other money deposit. so you onkly close it make you look good and the war will be on. I have bank with this company over 6 years and haven't been risk factor in 6 years so this is XXXX. 
Show quoted text as long as my tax returns and my checks coming to this account wasn't no small money either so miss me with the risk factor the risk factor is you Show quoted text
Product: Debt collection

I called R.C.Willey on XXXX XXXX and talked to XXXX with RC Willey accounting department. I explained to her that my credit report lists a derogatory item from RC Willey. The reporting date is XXXX XXXX for a XXXX delinquent account.with a balance of {$4700.00}. I provided her with the account number as listed in my credit report. I also provided her all PII she requested. She told me that she is unable to locate the delinquent account information in RC Willey XXXX or XXXX XXXX. However, she was able to find 2 accounts. One was openned while living in XXXX, CA and the other I told her it is not mine. The XXXX account was paid in full which she verified was under my name and my husband 's. She promised me she would take care of the account and remove the derogatory item within the next 30 calendar days. It is now XX/XX/XXXX and the derogatory item is still showing in my report. Please help me remove it as I'm unable to obtain credits.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was very past due for quite sometime due to loss of income. I started making multiple payments per month starting in XXXX 2017 to resolve balance. I disputed the total balance because it was still reporting late and as if I was n't making payments. Company updated saying information was accurate and actually increased the balance due after updating a couple of the posted payments which was incorrect. I then re-disputed with credit bureaus with dates payments were made and amounts. As of XXXX XXXX, 2017 the account was paid in full. Today I received an update to my second dispute as the company stating accurate info ... Open {$550.00} past due as of XXXX 2017 and now 180 days or more past due.
Product: Credit reporting or other personal consumer reports

I sent this letter below to XXXX, XXXX, and Equifax and they each failed to send me the results of the investigation within a timely manner. I did however receive an update from CFPB but not from the bureaus themselves. 

Subject : Request for Immediate Removal of Late Payments Dear Credit Bureau Representatives, I am writing to formally request the removal of any and all late payment entries on my credit report due to violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) guidelines.

Under the FCRA, specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), it is required that furnishers of information to credit reporting agencies report accurate information. Additionally, the CFPBs regulations state that inaccurate reporting, including late payments that are not justified, is illegal.

I have reason to believe that the late payments reported on my credit profile do not accurately reflect my payment history. As such, I am invoking my rights under the FCRA to dispute this inaccurate information. I request that you investigate these entries and, upon verification of their inaccuracy, remove them from my credit report immediately. 
Please respond to this request at your earliest convenience. I appreciate your attention to this matter and look forward to a prompt resolution. 
Sincerely, XXXX XXXX Enclosed : 1 ) Identification 2 ) Social Security Number
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX ( Original creditor : : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), i c system has violated my rights I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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
Product: Mortgage

Ocwen removed remarks from the optional remarks section of my credit reports and my scores went up. Today I received a notice from XXXX XXXX that Ocwen was once again adding the score lowering remark. 
This is blatant credit score manipulation. Ocwen is engaging in tactics far more damaging than XXXX XXXX ever imagined possible. Please investigate this ongoing credit score manipulation which allows Ocwen to trap homeowners, force them to remain with Ocwen rather than refinance at better rates via credit score manipulation. 
My credit score drops every time Ocwen does this and they do it every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX XXXX  ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX A ) XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 or other personal consumer reports

Usc1681 section 202 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter
Product: Credit reporting or other personal consumer reports

Recently, I pulled my credit reports because I want to apply for a mortgage loan. In doing so, I noticed that I have a number of unauthorized accounts listed on my reports. Not only are these accounts unauthorized, but they are inaccurate, incomplete and unverified. I did not give consent to the reporting of these unauthorized accounts and need these accounts removed immediately because they violate my consumer rights and ruin my reputation with the banking system. I don't have any contracts with these creditors that listed these unauthorized items on my reports. THIS IS UNFAIR AND INACCURATE. I need a new home for my family and the inaccurate items on my inaccurate consumer reports is unfair and will ruin my chances at getting a home for my family. I MAILED LETTERS TO XXXX, XXXX, AND EXPERIAN ON XXXX XXXX AND HAVE YET TO HEAR FROM THEM. IT IS NOW XXXX XXXX WHICH IS LONGER THAN 30 DAYS. YOU MUST DELETE AND REMOVE THE DISPUTED ITEMS IMMEDIATELY
Product: Credit reporting or other personal consumer reports

XX/XX/year>2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I was reviewing my credit report and found several inaccuracies that need to be corrected. I have attached documentation providing proof of my current address, as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses that appear on my credit report and should be removed : XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX The only address that should remain on my report is : XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX Additionally, I noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling, and there should be no variations listed. I have attached a copy of my photo ID to verify the correct spelling. The incorrect name variations currently listed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I request the removal of the following incorrect employer information : XXXX XXXX XXXX XXXX XXXX The only employer that should remain listed on my credit report is : XXXX, XXXX XXXX XXXX XXXX The inaccuracies and incorrect information in my credit report are in violation of several federal laws, which are as follows : 15 U.S. Code 6801 : Protection of personal information 15 U.S. Code 6802 : Obligations regarding disclosure of personal information 15 U.S. Code 6803 : Disclosure of privacy policies 15 U.S. Code 1681e ( b ) : Accuracy of credit reports 15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports 18 U.S. Code 1028A : Aggravated identity theft I kindly request that these inaccuracies be corrected promptly to ensure compliance with federal laws and that my credit report remains accurate and up to date. Once the incorrect information has been removed, please send me a copy of my updated credit report for verification.

Thank you for your attention and assistance in this matter. I look forward to your swift response. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Good day, My name is XXXX XXXX, and I am sending this complaint due to the recurrence of identity theft incidents. This marks the third time I have filed my claim, yet no action has been taken. Neither the credit bureau nor the involved companies have responded to my disputes. I feel that my rights as a consumer are being violated. As the victim in this situation, I am unable to obtain proper assistance or responses from the entities responsible for overseeing credit reporting. If no further action is taken, I will pursue legal recourse.
Product: Credit reporting or other personal consumer reports

Identity theft. Someone was able to get an auto loan and a CAR with my credit score, a student loan, and multiple credit cards. As soon as I discovered this, they stopped using the cards and paying for them if they were paying the debts off. Now my credit score is terrible due to this identity theft. I tried repeoring this to the three credit bureaus and nothing has been updated, even after giving them a police report number and FTC report number.
Product: Credit card

I made purchase on my XXXXXXXX XXXX XXXX credit card on the below dates for the below amounts : XX/XX/XXXX - {$4100.00} - 2 years interest free promotional program ( comenity bank card ) XX/XX/XXXX - {$850.00} - 2 years interest free promotional program ( comenity bank card ) XX/XX/XXXX - {$560.00} - 6 months interest free promotional program ( comenity bank card ) XX/XX/XXXX - {$2200.00} - 2 years interest free promotional program ( comenity bank card ) I started paying a recurring payment from XXXX auto debit bill pay program from XX/XX/XXXX paying {$200.00} a month till XX/XX/XXXX. I changed the amount to {$250.00} from XX/XX/XXXX. I paid {$150.00} extra on top of {$250.00} on XX/XX/XXXX to make sure the amount due by XX/XX/XXXX was paid off a month in advance. So far, I have paid {$5700.00} to the credit card. They have charged me an interest charge of {$2200.00} on a promotional period end balance of {$140.00} stating that when I made my extra payment, I had to call them to make sure that payment was made to the balance expiring. I have paper-less billing and I was not made aware of this rule. the company refuses to work with me. I think this is fraudulent on their part to make a law-abiding citizen with a great credit history pay as they have gotten away with this deceit for so long. Can you guys please help? as of today, I have paid off the entire amount that I owe to room place. I am disputing the interest charges, and they are not helping at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Student loan

Briefly, I will try and explain ; however, my supporting documents tell the story. A private loan that I co-signed on for my son with XXXX was transferred by a third party XXXX XXXX XXXX XXXX ( XXXX ) subsequently sent it to a collection agency call National Enterprise System. They did so without any notice to me!! It was in calling the original lender that I found out that it had been bought by XXXX. I was also told that they would be contacting me. This purchase happened some time in XXXX, XXXX, I think. At least it was XXXX XXXX, XXXX that NES acquired it, and the calls started shortly thereafter. It is now XXXX XXXX, XXXX and I have never heard from XXXX. I only hear from the collection agency, NES. I think it important to note that the account was n't in default. It was actively being paid on since XXXX. What gives them the right to do that when an account is being paid in good faith. I am a XXXX yrs divorcee. I hope to retire from XXXX in the next couple of years. This bad debt now appears on my credit report and no one will lend me any money because of it. I ca n't even get money to pay them off. Then there are conflicting statements about how much I actually owe. It is all in the accompanying documents. Please help me. I do n't know what to do. I am also forwarding copies to United States Attorney General for the State of Virginia, XXXX XXXX. Sincerely, XXXX XXXX.