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

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines 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: Payday loan, title loan, or personal loan

I had my furnace replaced by XXXX. Set up the loan with them. It was supposed to be a 5.99 % fixed simple interest loan. Never did I receive any loan documents. This happened XX/XX/XXXX. 
Got a bill from a company called Greensky on XX/XX/XXXX. It was bill for the furnace and the interest rate was 9.99 % with a promotional period. 
I immediately called XXXX and told them that was not what I have agreed to. And where are the loan docs. They told me that it was not their problem. 
So now, Greensky is charging me fees like, we reviewed your loan, {$120.00}. I have accrued interest charges of {$690.00} after the interest that I have been paying, {$560.00}. I have no idea of what these charges are. Never have I received loan docs. Plus I have to pay back my credit limit not the amount I borrowed. 
I have called Greensky, but they are no help. 
Since they reviewed my loan, now my payments increased. I only had this loan for XXXX  months. HELP
Product: Checking or savings account

I have a saving account at Marcus by Goldman Sachs. They locked my account for " unverified transaction and change of address '' even though they had called me and confirmed that those transactions and address change are all safely made by myself. Because I have been traveling this year, I have changed my address associated with that account for XXXX  times, for each time I have provided identity verification. Earlier this month, I tried to buy treasury bills from Treasury direct using {$95000.00} from my Marcus account, they locked my account to disable me to transfer my money away and XXXX that transaction. 

An officer has called me at this time to verify my identity. He asked for and I gave my name, date of birth, SSN, all XXXX addresses I have used, and basically any information about me, all correct and he said I can call another number of them to unlock my account. But when I call the other officer, they insist that they can not verify my identity. Interestingly, according to them, the only ways they accept to use for verification is A. to give them a one-time passcode I receive from text, but they claimed that they " can't send the code to me because my phone number is not under my name '', which is not true because I have just confirmed with my phone number company XXXX XXXX  XXXX 
B. to give them my driver 's license information, which after I provided, they said " California driver 's license isn't a state that can be used for our process. '' I asked them to list which state 's they can use, they give a very short and vague list. 
C. XXXX wait for them to send me an email to set up a new " security question '', which they don't know how long it may take. 

I have a hundreds ways to prove I am me, which I have already done. And for all the " suspicious activity '' they said, I have explained clearly those are normal transaction I made. So I don't understand why they only accept the XXXX weirdly restricted ways for me to prove I am me again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is still showing my account as negative and this re-aged tradeline has still not been removed. The Credit Reporting Agency has failed to delete the tradeline, relying on XXXX inaccurate reporting of the account. The fictitious account debt ( that I do not owe ) originally stemmed from a disputed XXXX XXXX charge, which was transferred to XXXX in XXXX. XXXX unlawfully re-aged the XXXX disputed debt to make it appear that it was a more recent debt. The underlying debt, however, is over seven years old and must be removed since any debt over seven years old must legally be removed from a credit report. Here, the debt is stale dated but also stemmed from disputed charges, which XXXX XXXX agreed to remove. After notifying XXXX that it was furnishing inaccurate information to the Credit Reporting Agencies, XXXX re-aged the account ( making it appear more recent than it was ) instead of deleting it. XXXX has been the subject of multiple enforcement actions by the government. Here again, by furnishing false and misleading formation to the Credit Reporting Agencies, XXXX is in violation of the multiple CFPB consent orders that are currently in place. Please ensure the deletion of the XXXX tradeline from my accounts to help avoid litigation. This debt has been transferred around to multiple lenders and is over seven years old. As such, this tradeline should be immediately deleted from my credit bureau reports. I would also CFPB to provide any factual findings so that I may use them in a FDCPA action against XXXX and a FCRA action against the credit bureau for its failure to cease reporting inaccurate information. These parties were notified of the inaccuracies on my credit report on numerous occasions but failed to take action to correct the errors so are in violation of several consumer protection laws.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2300.00} XXXX ( Original Creditor : XXXX ) XXXX Balance : {$660.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, these are the hard inquires that I have no knowledge of
Product: Mortgage

I had made XXXX trial payments with XXXX and my loan was sold to LoanCare XXXX. I have contacted LoanCare and they wo n't speak to me. My housing counselor has submitted an authorization and re-submitted all my updated document, including proof that I 'm the owner of record and proof of my XXXX XXXX payment in hopes of quickly finishing the modification and simple assumption process. The documents were faxed to the fax numbers provided by LoanCare for authorizations and loss mitigation departments on XXXX/XXXX/16. The housing counselor follow up on XXXX/XXXX/16 and LoanCare still did n't have the authorization and would not speak to the housing counselor. The housing counselor follow up again on XXXX & XXXX and still no authorization. The customer service agent gave an email address to email the authorization and documents. The doc 's were email on XXXX/XXXX/16. An auto reply stated that the documents would be uploaded and available for review within XXXX48 hours. The counselor follow up again on XXXX, XXXX, XXXX, & XXXX. LoanCare states the documents have not yet been uploaded to the system, they ca n't speak to us. On XXXX LoanCare stated that my authorization would be available for review on XXXX/XXXX/16. A full 30 days after it was faxed. They have yet to acknowledge my paperwork, modification request, simple assumption request, death certificate, quick claim deed ect. and continue to refuse to speak to me or the housing counselor. My counselor states that most companies acknowledge the authorization within XXXX48 hours and that this has not been her experience even on newly transferred loans. I feel 30 days is unexceptionable because they will ask for all new documents because 30 days has passed. I also feel like they are negotiating in bad faith.
Product: Debt collection

We purchased a  XXXX   XXXX   XXXX  in   XX/XX/XXXX  f or {$11000.00}. Due to impending divorce, vehicle was voluntarily given up to creditor. Last payment made to creditor was on   XX/XX/XXXX .  Balance on vehicle at this time was {$7500.00}. Creditor sold vehicle for {$3700.00}, leaving a balance of {$3800.00}. My Ex husband, who was the primary signature on this note, filed for bankruptcy.     The original  Creditor sold th e debt to  Creditmax , Inc in   XXXX   XXXX , IN. However, I never received a Writte n Validation Notice  from this company at the beginning of their debt collection process.     I n  XX/XX/XXXX  I  was summoned to Small Claims Court and a Judgement was issued for {$4900.00} ( see attached ) I was summoned aga in in  XX/XX/XXXX  for  a supplemental hearing. I was a  XXXX   XXXX   XXXX  at this time with no real income.   Fast forward   XX/XX/XXXX ,  I am working as a   XXXX   XXXX   XXXX   XXXX   and receive notice of a garnishment from Attorney  XXXX   XXXX , who is in house counsel f or Creditmax  . The debt is now an inflated {$6100.00}, to be garnished at 25 % of my earnings. I did attempt to make payment arrangements with Creditmax , Inc. for {$50.00} out of each paycheck, but I was denie d, stating that the debt was too old.   I also attempted to file bankruptcy, however, I did not have enough debt to be eligible to file.  Plus, it would have cost {$1500.00} or more to file. As a     single mom, I struggle just to make ends meet, so this has truly caused me financial distress.      As of today 's date, my employer has garnished the {$6500.00}, with the last payment being sent to  Creditmax, Inc  on   XX/XX/XXXX . T his is alread y   XXXX   XXXX  more tha n the mount in the garnishment order.   End of story, right? No!! My payroll department contacted m e on  XX/XX/XXXX  to in form me that  Creditmax, Inc has re quested an additional {$390.00} in accrued interest.     This type of collection process has to stop! How this is even accepted practice, boggles my mind. Maybe if we change some of the regulations, it would be more feasible for consumers to pay their debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my credit report, reporting to XXXX and Transunion reporting an account with XXXX XXXX XXXX as late then updated to missed payment when I have sent in proof the payment was never late or missed but they are failing to update the account as such ruining my credit when Im trying to start the process of purchasing a home. I contacted the lender the loan is with and they confirmed this was an error on XXXX part not theirs. XXXX is also not updating accounts correctly and in a timely manner. I have accounts on my report that has not updated since XXXX and when I called them advising to update the accounts the next few days the account updated as closed. THis is continuous and ongoing issue with this credit bureau that needs to be corrected as soon as possible as they are ruining peoples credit due to their negligence of updating accounts properly. There are also inquiries that were not made by me that I have disputed but again they will not remove them.
Product: Bank account or service

PNC allowed several very fraudulent transactions to occur on my checking account. This includes a check where the payee was whited out, a new payee written, and my initials forged next to the whiteout in a state I no longer resided in. This also includes a telephone ACH payment from a state I no longer reside in. Over the last two weeks, I have been in contact with PNC nearly every day ( either in person, by chat, by email, or by phone ) and they have done nothing to resolve the fraud and get me my money back. I have not been contacted by letter like they have said they would, or by phone, or by email. I have no way of even verifying that they disputed the charges at all. Worse, they put a freeze on my bank account without my consent ( or even informing me ), so despite having thousands of dollars in their bank, my available balance reads {$0.00}. My paycheck got direct deposited into the frozen account and got XXXX out with the rest of my money, and they refuse to allow me access to it, claiming it 's " for my protection ''. They wo n't allow me to access any of my money until the fraud is resolved, but they 're not taking any steps to resolve the fraud, leaving me unable to pay rent, buy food, or pay bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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, 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 items 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
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2018 Discover Bank checked into my credit report and they did no help but just hurt my credit and i have dont recognize them. thanks!
Product: Mortgage

They want your money, not to answer your questions or respect youre time. Youll ask what reasonable for answers, theyll say its a pandemic so they dont have to care. Expect 4-6 months for them to close youre loan ... if they do. Well see ...
Product: Consumer Loan

Chase has royally messed up. I signed up for Auto-pay at the initiation of my Auto Loan and I was given a slightly reduced APR because I was enrolled auto-pay. Apparently, Chase calls this program " Paymatics ; '' however, they never used that terminology in the loan origination documents. I signed up for Auto-pay, not " Paymatics. '' With Paymatics, Chase wo n't generate billing statements. How is this even legal? When I signed up for Autopay ; I did not waive my right to a monthly statement. I attempted to resolve this matter with the bank, and nobody seems to care. I spoke with a XXXX XXXX who claimed that they do not staff supervisors on the weekend. Being one of the largest banks - if not, THE largest Bank ... how can there not be a Supervisor available?? XXXX transferred me to some other representative, who stated that they are de-enrolling me from " Paymatics '' but Ill still be enrolled in Auto Pay .... She said that since im no longer enrolled in Paymatics, Ill recieve monthly billing statements going forward ... and that Chase will generate monthly billing statements for the previous months that I 've had the loan. I doubt any of these statements are true.. And I did n't want to discontinue my auto-pay because I am no longer elligible for monthly billing statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, XXXX information on my credit cards accounts are wrong. They have Total Accounts numbers, wrong payment histories each credit bureau is showing the wrong information. Plus, they have old addresses on my credit report. I tried to inform them with the current and nothing was changed. All information was upload attached.
Product: Mortgage

I have been trying to submit my modification package on my home because my interest rate is changing this month since XXXX XXXX BUT Ditech will not give me a valid fax number, I have spoken to several representatives that give me the following fax numbers of XXXX, XXXX, and XXXX BUT when I fax the information the fax machine returns a " unsuccessful fax transmission '' every single time and with all the fax numbers provided. When I tell the customer service representatives that I already have those numbers and that they 're not going through they state that they ca n't help me. I need urgent help in modifying my loan otherwise I will be forced to be foreclosed on IF they insist on not helping me and if my interest rate keeps on increasing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XX/XX/2021 -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX XXXX XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

My account with XXXX  was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 120days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX - XXXX 2. XXXXXXXX XXXX XXXXXXXX XXXX 3. XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I do not go by any other names. remove these names from my report as they're incorrect.XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. My address is XXXX XXXX XXXX, XXXX, TX XXXX. I do not live or ever lived at XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 
Please update this information on my credit. I have provided my drivers license in the attachments.
Product: Vehicle loan or lease

15 u.s. code 1681b ( a ) ( 2 ) didn't provide permission to furnish account