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

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to those customer 's nonpublic personal information. 


SEE ATT. FOR ID Type of Business Date of inquiry Credit Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX Amer CR ACPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX a financial institution by definition under that title. 

1681 section 604 ( a ) section 2 states that " In general subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.

The financial institution and the above companies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent whether it be non-verbal, verbal, written, implied or otherwise is revoked.

15 USC 6801 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless- the consumer ( me ) is given an explanation of how the consumer can exercise that non disclosed option. They never informed me of my rights to exercise that nondisclosure option.

Every consumer reporting agency shall maintain reasonable procedures ' designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to Opt-out at any time.

" I am opting out of your reporting services unless authorized by consumer ( me ) in writing " According to the Fair Credit Reporting ACT 1681 section 602 ( a ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumer right to privacy. XXXX and XXXX are consumer reporting agencies and I am the consumer.
Product: Mortgage

On XX/XX/2019 - I made a one time payment from my personal checking account to cover my brother 's mortgage in the amount of {$1400.00}. I specifically told them this was to be used 1 time and to not save my account information for future payment processing. 
On XX/XX/XXXX, my brother called his mortgage and made his XXXX payment by phone, using his own account information. He even sent me a message thanking me again and told me he made his payment and was getting caught up on things. 
On XX/XX/XXXX, the mortgage company drafted his XXXX mortgage payments in the amount of {$1400.00} from my account without authorization. 
I called in on XX/XX/XXXX and XXXX. They informed me only that they did see a payment on XX/XX/XXXX and again on XX/XX/XXXX and that the next payment due was XX/XX/XXXX. They said my brother, XXXX XXXX, would have to contact them. 
XXXX called in on XX/XX/XXXX and was told the refund would take a few days due to the Holidays. I checked my account in XX/XX/XXXX and it still was not refunded. I tried calling all day yesterday and could not get through. I was able to get through today and they confirmed they would not tell me anything without my brother on the line, ( even though they did confirm he had called in on the XXXX and provided permission in regards to the account ). They said it was only good for that day. 
My brother works in the field and doesn't have service to sit on hold for hours to get this resolved. I'd like my money refunded and I'd like the {$34.00} fees refunded as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : XXXX : NOT PROVIDED 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
7. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX
Product: Credit card or prepaid card

On XXXX XXXX 2021 an unauthorized charge was made on my account, and immediately the card was reported as stolen. XXXX then arranged for a refund, for the amount of the transaction in {$81.00}. I have been dealing with XXXX who stated they definitely issued the refund back to my card, which at the time was reported stolen, but Cash App, or XXXX XXXX, reassured me that it would go to my new card. I have been given a complete runaround by Cash App or XXXX XXXX  since. I can't ever speak to a human being, they keep telling me they need my email address in order to escalate this, however no one has contacted me in regards to this transaction. I have contacted them over 50 times, and every time they take my email and say they will be in touch with me, but no one ever contacts me. I've been dealing with this since XX/XX/XXXX. It is now XXXX XXXX, and my refund has yet to be returned to my card. I get no answers as to when this refund will be issued back to my account, and again can't get any resolve to this issue. This was the second refund to be issued to me by XXXX, one was received but this one has gotten no answer as of yet. This is a Cash App or XXXX XXXX  issue since the store issued the refund on their side. Most recent case number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my vehicle from XXXX XXXX to XXXX, I disputed the accounts on all 3 bureaus- the only one I have a problem with is Experian. XXXX and XXXX took the old account off my account, how ever, Experian will not and said that they had correct information in their dispute response they sent me back XX/XX/2023 But they also have the XXXX account reporting on the experian report also.
Product: Credit card

I was a victim of identity theft and 2 accounts were opened in my name against my knowledge or consent. They were established before legal age of consent. I don't want neither account to affect me negatively and am requesting that these accounts be closed immediately with no credit impact. Please, assist and give me a call at XXXX if you should have any questions in relation to this matter. 

Thank you!
Product: Vehicle loan or lease

Noticed erroneous {$190.00} added to the loan amount ( not disclosed in the documentation ) and odd amortization.. Monthly principal is {$600.00}. I made the first payment early ( {$610.00} in principal paid ), then made the second payment on-time and {$510.00} of principal was deducted. This does not seem accurate to me. I called the bank and was told that they couldn't reconcile the extra {$190.00} and weren't sure about the principal except that it had to be because i made my first payment early. This didn't make sense and they said they would follow up with loan ops and call me in a few days. That was weeks ago.
Product: Student loan

Hello, My student loans were originally serviced by XXXX but were sold to Discover Student Loans a few years ago. On my original promissory note, it states that I could have my cosigners removed for loans XXXX and XXXX after 48 on time payments. Today, I am beyond the 48 payments. I contacted Discover a few months ago and they sent me the cosigner release form. I filled it out and set it back to them over 30 days ago. On their letter, one of there statements says, you should hear something within 30 days. Well, it has been beyond 30 days and I still have n't heard anything. I contacted them a week ago, and they said, just give it the time that is needed. There was no mention when I would receive official word or even if my cosigners are released. 

Two years ago, I had XXXX loan out with them and successfully got my cosigners released after XXXX payments. But, they were doing the same thing like they are now, and I had to file a complaint to inquire what they were doing and why they were stalling. 

For the year of 2015, I have paid discover a total of XXXX dollars. On top of that, I have paid XXXX dollars in interest. My gross income for the year of 2015 is XXXX. My credit score as of today is XXXX. I could come to XXXX instances why it is taking beyond 30 days to respond to my submission of the cosigner release form, it is either because someone is being lazy over there or it is being done purposely, so that they can continue to stretch this out, like they did two years ago and hope that I will give up on my cosigner release. However, they are violating the stipulations in the promissory note. By the way, when I submitted the cosigner release form, I included several pay stubs, so they have all the information they need.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MS XXXX Date of Birth : XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Dear Transunion Team, My First & Last name are as follows : XXXX XXXX XXXX. 

My Current Street Address are as follows:XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MS XXXX After reviewing my credit report, I have found inaccurate names and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations, and I demand, as my lawful right for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue. 

**Incorrect Names : ** The report includes an incorrect names of : XXXX XXXX XXXX Please delete and remove these incorrect names : My First & Last name are as follows : XXXX XXXX XXXX **Incorrect Address : ** The report includes an incorrect address ofXXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX, MS XXXX The addresses listed above I have not resided in. My Current Street Address are as followsXXXXXXXX XXXX XXXX XXXX XXXXXXXX, MS XXXX These names and addresses has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to 15 USC 1681eb they are supposed to ensure this 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.

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. 16815-2 ( XXXX ) 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. 

I request that you investigate these discrepancies and update my credit report with accurate information as soon as possible. Enclosed are copies of documents verifying my correct name and current address : Please send me a copy of my updated credit report once the corrections have been made. 

I appreciate your prompt attention to this matter, as it is crucial for my financial well-being. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

In dealing with Credit Acceptance for our vehicle loan, we had some difficulties paying the large monthly payment. Credit Acceptance created an alternate payment schedule for us, which we upheld to the payment plan until the time in XX/XX/2023 when we paid off the vehicle. 

During this time, even though we were making payments according to the payment plan Credit Acceptance designed, they were consistently reporting late payments. 

I do not understand if we were making all payments on the agreement we had in place & they were accepting the monthly payments, how could these payments be considered as LATE I have contacted Credit Acceptance on 2 occasions since XX/XX/2023 to have these remarks removed. These derogatory remarks have had a lasting impact on my report, making it impossible to receive any opportunity for loan approval. 

I pray that you can assist me. I desperately need a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove fraudulent account immediately XXXX XXXX XXXXXXXX from Texas I dont live in the state of Texas XXXX Im a XXXX XXXX  resident!
Product: Credit reporting or other personal consumer reports

My issue is with Transunion, XXXX, and XXXX with a student loan company, DeptOfEd/XXXX  in which each company reports 3 - 90 day lates as of XX/XX/2023. As this is untrue, I have been in deferment since I XXXX  XXXX school. How can I have that many 90 day lates. I reject and am offended by XXXX, Transunion, and XXXX reporting this misinformation. This is keeping me from getting a mortgage and other credit. DeptOfEd/XXXX  has been compensated by receiving their vehicle back. In accordance with the Fair Credit Reporting Act this creditor, DeptOfEd/XXXX, and XXXX, Transunion, and XXXX have violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I am tired of being denied credit and having my rights violated. As a consumer, I should be treated fairly, as should anyone any consumer any American.
Product: Mortgage

On XX/XX/2021, I have experienced financial hardship and was unable to make my monthly payments. On XXXX XXXX, I contacted SPS and applied for mortgage assistance program. From XXXX XXXX to XX/XX/2021, I have been repeatedly sending the same documents and SPS refuses to review the documents, or stalling for time to review my documents. I have been in compliance and SPS lender has been negligence in reviewing my mortgage assistance documents appropriately. 
I am requesting an investigation on this matter. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am ( 120 ) days late on the DEPTEDXXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting

I am a victim of identity theft and now I have over XXXX inquiries on my credit report.Equifax violated my security freeze and released my credit information to companies that requested it. There should have been controls in place to prevent Equifax from aiding the identity thief into having my credit ran over XXXX times. I have disputed this with Equifax several times and they have taken the stance that its too much work for them and they are taking no action. They have not bothered to investigate the nature of my dispute. This is having detrimental damage to my credit score. They refer me back to the creditor and the creditor refers me back to Equifax. Equifax released the information and they need to fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report, it has been over XXXX  days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.
Product: Debt collection

Waypoint Resource Group , LLC # XXXX, a collection agency got my account that was paid in full to XXXX on XX/XX/17 by XXXX, an affiliate of XXXX XXXX XXXX XXXX that helps XXXX XXXX patients. My XXXX, XXXX XXXX, helped me apply for this grant onXX/XX/17 and I was awarded {$1500.00} on XX/XX/17. They paid this and my other bills directly to my creditors. I tried without success to tell this to this collection agency. I even told them to verify this with XXXX XXXX with XXXX at ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX Balance {$12000.00} XXXX XXXXXXXX XXXX  Balance {$0.00} ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX.
Product: Debt collection

On XX/XX/XXXX I was made aware of a change to my credit report. A company by the name of MRS DPO, LLC had presented an account for collection bearing my name. That day at approx. XXXX XXXX EST I reached out to MRS. DPO where I spoke with a representative by the name of XXXX. I explained to XXXX I wasn't aware of any outstanding debt, and was not made aware by the alleged creditor and/or MRS DPO prior to any reporting. She explained they received the account on XX/XX/XXXX ( the alleged account was closed as of XX/XX/XXXX ), the account was sold and serviced by another collection agency around XX/XX/XXXX. Again, I explained I had no knowledge of the debt and per 15 USC 1692g I should've been provided with the opportunity to validate the debt. XXXX advised they sent me an email on XX/XX/XXXX, which perhaps may have gone to my junk mail. Outside of that being a ridiculous mode of contact, seeing as they're a third party debt collector, with no first-hand knowledge of any alleged accountit still doesn't absolve MRS DPO, per the FDCPA, to provide me with written statement affording me the opportunity to validate the alleged debt. After a bit of digging I was able to locate an email ( the only email ) I have from MRS DPO, which contains absolutely no information and any prudent, reasonable person would deem the email as a scam. This email contains no information that would indicate that MRS DPO is a legitimate company. The notice contains only my name an some verbiage about how I owe an alleged debt. The email doesn't have an original creditor, an amount owed, an account number, etc. I find in grossly irresponsible to merely report an account to the credit bureaus with no first-hand knowledge of any consumer interaction between myself and the alleged creditor. I reached out to their compliance department via email on XX/XX/XXXX with no response. I followed up today, via phone. I spoke with a manager, XXXX, she pretended as she was unable to hear and proceeded to disconnect the call. A quick XXXX review will provide some insight into how this company operates. I want this account removed from credit report ( s ) immediately. In addition, I will pursue remedy to the limits provided to me pursuant to the FDCPA.