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

By 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 Account NumbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ca
n not furnish an 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.

These inaccuracies are affecting my ability to get a house for my family.
Product: Credit reporting or other personal consumer reports

XXXXTHIS IS NOT A DUPLICATE REQUEST *** XXXX  XXXX XXXX XXXX has continued to report inaccurate information on my credit report. This account was discharged and paid through a Chapter XXXX Bankruptcy in XXXX I have disputed this account with XXXX XXXX XXXX XXXX XXXX XXXXXXXX when it was XXXX in XX/XX/XXXX. This debt has showed up derogatory it is XXXX in a bankruptcy and should not be on my credit file. I have provided many documents to Experian and they have violated the FCRA LAWS
Product: Debt collection

I had an alert on my credit report from a company I had never heard of, I looked up the company and called to find out there is a so called medical bill outstanding from 2010, which if it is in fact a real bill, it should not now be showing on my credit report after 6 years! I have never once received a notice of this bill as I have paid every medical bill off to date with no late notices. I do n't even have a notice or file number as they have never sent me anything! I do n't understand with HIPPA Laws, how my information can be handed over to some agency?
Product: Credit reporting or other personal consumer reports

I have previously tried contacting all 3 bureaus to little to no avail. In order for them to be in compliance with 15 USC 1681-c-2 and 12 CFR 1022 Regulation V, for them to remove and/or block the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

They stole my personal cridentials to open a car policy and a car load. i dispute this many times with XXXX  and keeps coming back as accurate. this is unacceptable.
Product: Checking or savings account

On XXXX21, my wife and I logged on to our Ally Bank savings account and discovered someone had removed {$93000.00} from our account via an ACH transfer to another outside bank. We had not added this outside account, nor have we ever heard of or had any association with the bank, which is not even in state either of us have ever resided. We immediately called Ally Bank to report the fraud and all they asked us to do is complete a dispute request and said that someone would be in touch. We could not get a confirmation of when someone would contact us or when they would return our funds. They were however able to provide the account holder, account number and routing number for the outside account the money was sent to, which was troubling, because that account was supposedly in my name. Again, we have never even heard of that bank. Furthermore, we have two factor authentication turned on for this account, whereby anyone that logs into the account would have had to enter a code that would get texted to me or my wife in order to log in. Neither of us received such a code, therefore we don't know how the banks two factor authentication functioned properly in this instance, because it certainly didn't protect us. We have not heard anything back from Ally Bank as of the date of this complaint. We are extremely puzzled how someone could log into our account, bypassing two factor authentication, add an outside bank account, and transfer such a large sum of money out of our account without any notices being sent, red flags being raised, calls, emails, texts, etc. from the bank. Any help you can provide would be greatly appreciated. Thank you
Product: Credit reporting or other personal consumer reports

I am filing this complaint against the credit bureaus for failing to accurately investigate and correct errors related to my XXXX XXXX  account. The late payment history being reported does not make chronological or mathematical sense, as the dates and amounts do not align with the actual payment history of the account. Despite my requests for verification and correction, the bureaus have failed to address these discrepancies properly, leaving these inaccuracies on my report and negatively impacting my credit profile. I request immediate action to correct these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

The payment status for my loan has been incorrectly reported to the credit agencies XXXX  and Transunion and as a result my credit score has gone from Exceptional to Fair. Both show me as 120 days delinquent on the XX/XX/XXXX mortgage payment, even though my mortgage was paid off in XX/XX/XXXX. Note, from XX/XX/XXXX through XX/XX/XXXX I was in forbearance, and was approved to be in forbearance until XX/XX/XXXX. 

Attached are documents from XXXX XXXX confirming my forbearance, and confirming that my loan was paid in full. Note, I had extreme difficulty in closing my loan with XXXX XXXX. The company did not respond to my requests to obtain the title of my apartment ( stock certificate to my coop ) in preparation for closing. I believe it only did so -- 4 months after my initial request -- as a result of my complaint with CFPB. The erroneous reporting of my mortgage status is another example of XXXX XXXX 's gross negligence. 

I am also writing to the three credit agencies to dispute my score. 

Attached documents : -- Compliant to XXXX XXXX ( two documents ) -- Confirmation of forbearance from XXXX XXXX -- Closing documents demonstrating that the loan is closed -- Transunion & XXXX credit reports. I am still trying to get the XXXX  report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, Lexisnexis I am responding to a email that is attached to this complaint. You asked me to send a clear copy of your driver license, social security card along with your most recent utility bill or credit card statement indicating your current address. I have attached my license, social sercurity and utility bill. I AM DISPUTING A BANKRUPTCY YOU HAVE ON FILE. I WANT TO KNOW THE SOURCE THAT GAVE LEXISNEXIS INFORMATION ABOUT MY BANKRUPTCY. MAIL ME THE THE SOURCE/COURT THAT LEXISNEXIS RECEIVED THE BANKRUPTCY FROM. Mail this informatio to XXXX XXXX XXXX, XXXX XXXX, SC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a bankruptcy # XXXX on my Equifax CREDIT REPORT CASE # XXXX for the last 2 years every month, Equifax claimed to have verified this bankruptcy on XX/XX/2022 by XXXX and claimed this bankruptcy was reported by XXXX on XX/XX/2022, how is this possible, XXXX informed me that I do not have any bankruptcies on my PUBLIC FILE, XXXX also informed me that Equifax has not contacted the XXXX company about a bankruptcy on my public record file, so where did Equifax get this information of a bankruptcy that Equifax is shown on my credit report, they also didnt get it from the clerk of courts, Equifax has been caught in a lie about a investigation
Product: Debt collection

I have contacted the company : XXXX  XXXX on several occasions. Three times in XXXX, and once today XX/XX/2019. I explained to them that I was terminated from my job a couple of months ago due to discrimination/wrongful termination, and I asked them to please come by and pick up their furniture, which is a rent to own type of contract. I have also explained to them that I can barely make my rent payment because I am currently unemployed, and I have been now for over two months. I also told them that I do not want to have my credit damaged any further by them reporting my late payments due to my hardship situation. They don't listen, they haven't done a thing about it at all. I have begged them to come and retrieve their property so that any further payments can stop, and all that I would be required to pay is the rental amount up until this date. All that they tell me is that I must first bring my account current before I can have the property recovered. I have told them time and again that I simply don't have the money due to my current situation, and they don't care at all. Meanwhile they keep damaging what was impeccable credit, and they won't do anything to work with me considering my valid hardship situation. I have even asked to speak to a supervisor regarding this, and they refuse to allow me to do so.
Product: Debt collection

Transworld Systems Acct # XXXX Amount- XXXX I have sent this company a cease adhere this company has refused to adhere to the federal guidelines by ignoring my request in my attempts to resolve this matter the company is not legally bonded and or insured to collect in the state of TEXAS XXXX please have this company cease all collection activities this my last attempt to complain outside of court.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX stated that the bankruptcy was validated through XXXX Bankruptcy court. The courts provided me with a document stating they do not validate through credit bureaus or any other third party companies
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to make a large purchase at a furniture store and in order to do so they needed to pull my credit. I was advised there was no information for the ss # I provided. A search was conducted several times but to no avail and was advise to contact Experian to see why there was not information with the ss #. I called several numbers for Experian and could not get to a customer service rep due to the automated system does not have the option on any of the # 's I tried. ( XXXX, XXXX, XXXX ) This is very frustrating since it took me over an hour to finally find a number to transfer me to a customer service rep. I finally found and called XXXX and waited for 15 minutes for a representative. He advised the report pulls fine and the lender must have done something wrong. I am not satisfied with that response and an investigation is in process to see if Experian can figure out what went wrong. 
My complaint is more about the consumer is not provided an option in the automated system for the numbers ( XXXX, XXXX, XXXX ) to transfer to a representative. All numbers should have an option to speak to a live person.
Product: Money transfer, virtual currency, or money service

I was selling a ring on XXXX XXXX. Someone contacted me to purchase the item via Zelle as payment. They started having me go through a serious of steps to get the money transferred. I followed in the beginning because the original explanation was true regarding how much money you could transfer from Zelle during a single transaction. 

This all happened on XX/XX/2022 for the total amount of {$1500.00} ( {$500.00} then {$100.00} ) I contacted Zelle and my bank, XXXX and they both said that it was immediate transaction and there was no way to recover the money and no insurance on the transaction because it was not done with a friend or family member.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines : XXXX XXXX XXXX XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data.

My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter.

Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files.

Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights.

Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Debt collection

I paid this charged off account in full with Kohls and was under the impression it would be removed completely from my credit. They changed it from charged off to paid but did not completely remove the account therefore it is still negatively effected my credit score although I do not owe the anymore.
Product: Credit card or prepaid card

This has been happening a long time, Macy 's and some other charge me a monthly fee on top of more than half of my monthly payments in interest. I do n't want to pay 25 % interests rates when I 've been paying them and everyone else every month on time! Then to discover this is absurd! I 've been a customer for years now ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In my credit report I have a 30 day late payment report on XX/XX/2017 report by XXXX XXXX  /ACCOUNT NUMBER XXXX .... The information is incorrect and should be corrected to no late payment.
Product: Mortgage

My wife lost her job last year and my youngest had some health problems so we have contacted Wells Fargo to make arrangement on XXXX half of our XXXX payment. We paid mortgage XXXX a month. We set up a plan for remaining {$800.00} with XXXX and XXXX payment and making XXXX payment on XX/XX/XXXX. XXXX XXXX was a holiday ( did n't realize that when we set up arraignment ) and when the payment did n't come out on the next business day I have called XXXX to find out what happened and made a payment online. Our payments were set up automatically to come out of our account I am not sure why this payment was n't set up this way. My wife got a job and we caught up with everything by XX/XX/XXXX. We thought everything was OK. We have started looking in to moving and I have visited my mortgage XXXX to see what we can get approved for. He told us we were late with mortgage and can not get a loan till at least XX/XX/XXXX and even then we need a good explanation to what happened. 
Wells Fargo has reported out payment 30 days late. We contacted them and explained the situation:1. they set up our payment on a holiday 2. our payment did n't come out automatically. Upon speaking with one of the loan officers there they told us that is clearly their fault because the payment arrangement are never set up for holiday and we were suppose to be told there wont be automatic withdrawal on that day. We were advised to file a dispute with WF which we did. We requested the late payment to be removed due to reasons above. We waited 30 days on the response and upon calling them they stated they have never received our dispute. I had a fax confirmation and after confronting them about it they told me I was given a wrong fax number. I re-faxed the dispute and I received answer from WF stating they did n't do anything wrong, they ca n't remove late payment and that they added a compliance condition code on my credit and they will not remove it until I I tell them I agree with their decision. I received another letter today explaining payment arraignment and how we did n't comply ; however they are omitting the fact that our payment was set up on a holiday and no one told us we have to physically make a payment. What they are stating is that we cancelled automatic withdrawals. If we knew that we would make a payment ahead of time. They also never notified us that the agreement was broken what would trigger us to call and find out what happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously reported an identity theft in XX/XX/2021 disputing the account put on my credit by XXXX XXXX the original creditor is XXXX. I want to file a complaint against both companies due to the fact that I have previously told them that this is a result of identity theft but also the fact that XXXX continues to sell this debt to debt collectors. As a result, my credit report has been severely impact it because this is the only negative item on my credit report. I have also filed a report with the FTC stating that this is a violation due to the fact that these bills were not caused by me. I checked my credit report in XX/XX/2021 and saw that this debt had been added to my report
Product: Vehicle loan or lease

I financed my XXXX XXXX XXXXXXXX through XXXX XXXX making regular payments from XX/XX/XXXX, until the final payment on XX/XX/XXXX. The total amount paid, including a {$5000.00} down payment, was {$30000.00}. Despite completing all payments, there was a significant delay in processing the release of the electronic lien and title for the vehicle. 

This delay caused substantial financial and personal inconvenience. I lost a potential sale of {$15000.00} due to the inability to transfer the title to the buyer. Additionally, I incurred continued costs for insurance, maintenance, and other expenses related to the vehicle during this period. 

On multiple occasions, I contacted XXXX XXXX to resolve this issue and formally requested compensation for the financial loss, additional costs, and stress incurred. Despite acknowledging the internal error, XXXXXXXX XXXX declined my compensation request for {$22000.00}. 

Under the Virginia Consumer Protection Act, I believe this delay and the resulting financial impact constitute a violation of fair and ethical standards of dealings between suppliers and consumers. I am seeking a resolution that includes compensation for the lost sale value, additional incurred costs, and the stress caused by this situation. 

This description provides a clear, detailed account of your issue without including personal information. You can adjust the wording as needed to fit the forms requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 or 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: Mortgage

In XX/XX/XXXX I got a mortgage through Wells Fargo Home Mortgage, it was an FHA loan, and paid on time every month. In XX/XX/XXXX I received a call from a XXXX XXXX, a loan XXXX for Wells Fargo, stating that because of my excellent payment history I have the opportunity to refinance my loan at a lower interest rate. My payment would not change by much, about {$20.00}, but the interest rate would go down almost XXXX %. Now my interest rate was not that high to begin with but I figured I would take advantage of it. XXXX did I know that they were taking advantage of me. XXXX XXXX XXXX failed to tell me was that in XX/XX/XXXX FHA changed their laws and the PMI would now remain on my loan for the life of the loan. Unlike my original loan in XX/XX/XXXX where my PMI would have come off of my loan after I have a certain amount of equity in the home. He NEVER informed me of this and I did not find out about it until I called in XXXX XXXX to see when the PMI would drop off and the man I spoke to said it wo n't because of this change in FHA laws in XX/XX/XXXX. I was in shock!! I would have NEVER refinanced this loan for not even a XXXX percent drop in my interest rate and no drop in my payment had I known that I would now have to pay the PMI for the life of the loan. That is an extra {$15000.00} in Wells Fargo 's pocket because they just happen to leave that information out when requesting I refinance. I have contacted the company and spoke to a XXXX who proceeded to tell me she understands my frustration but there is nothing she can do. I can not believe that they withheld such an important piece of information for a loan and proceed to tell me they can not do anything about it. I can see why they do n't want to do anything about it since they just screwed me out of an extra {$15000.00} for their pockets.