23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been speaking with Experian for over 5 months now. I have disputed a XXXX XXXX XXXX that was removed from public records and should have been removed from credit report. Each time I speak with Experian and dispute it they say it came back verified and accurate through XXXX. I advised them that XXXX sent me a letter showing bankruptcy was not verified and removed. I also sent them a letter from XXXX providing them the information that they requested. I even had them on a 3 -way call with XXXX and the rep confirmed that there was not a bankruptcy through public records and was removed. They continue to keep information on report that should be removed. This is my last attempt to have them remove the account if not then I will seek legal action.
Product: Credit reporting or other personal consumer reports

My mortgage loan with XXXX XXXX was in forbearance from XX/XX/XXXX through XX/XX/XXXX. At that point when it ended, I was assigned a SINGLE point of contact by the name of XXXX XXXX. He initiated me to contribute forms I needed for loss mitigation to assist with mortgage payments. I have sent forms to them multiple times, XXXX to be exact via fax and they somehow never received them. I have had to send forms via fax and mail, for them to only say they don't have it. Fast forward to XX/XX/XXXX, XXXX received the documents and starts his review. XXXX was aware I had an alternate address but did not tell me that I needed a letter or explanation. He also had me send the wrong documents for the wrong program. They stated via phone that XXXX had placed me in the wrong program. For months we are attempting to apply to a program that I was never to be placed into. XX/XX/XXXX, I sent another letter detailing explanation of address, and emailed XXXX to please tell me if anything else is needed as he stated before nothing else was needed. After complaining and changing out point of contacts to XXXX XXXX, they approved a loan modification XX/XX/XXXX. I say this all to say they have reported late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was dealing with someone, an employee of theirs ( XXXX XXXX, who not very helpful or clear on which program he had placed me in. It took the higher ups to step and state how XXXX did not have his best foot forward in my situation causing confusion and my payments to be marked as late. I later one sold the home in XXXX, however, these late payments are affecting me tremendously. I have tried to speak with the supervisors in Loss Mitigation and to no avail, they will not talk to me. I no longer know where else to go. I want to sue them as of now if I can not get them to correct the late payments as an offer of good will, due tot he mistakes of their employee that was not properly trained.
Product: Credit reporting or other personal consumer reports

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision. 

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within XXXX  days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Product: Student loan

My parents told me to go to XXXX XXXX, even though I had heard about their fraudulent practices, they thought good idea for me to go there. I went, got an XXXX and in the end I was told I needed to redo a loan for one final credit, which was only about 2k and now all of a sudden I'm informed, after notice my federal tax returns are being taken from a federal credit collector, THERE'S NO WAY I OWE OVER 10K as now stated, I had paid off my XXXX XXXX credit loan. Hoping to get a way to be forgiven, since it's one of the most fraudulent circumstances I've ever seen or have had to deal with, especially with it being almost 10 years after I have actually graduated.
Product: Debt collection

Spring Oak Capital and XXXX XXXX  continue to report a debt I do not owe. The debt has been canceled through the IRS and now it is considered income and income can not be reported to the credit bureau. Furthermore I have no contractual obligation to Spring Oak Capital.
Product: Payday loan, title loan, or personal loan

I did not see my complaint listed so I just selected one. I qualified for a loan with direct cash in every way, checking balance, length of employment, verified bank and multiple direct deposits from employer, etc but at the end was denied only because of what I do for a living. They need to publish in bold letters on their website they don't lend to people who work n my field. I stopped looking for the funds i needed because I was told I was approved. XXXX  I am going t be homeless
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to refinance my mortgage and need to temporarily lift a credit freeze. The website for Experian indicates that my freeze has been temporarily lifted, but the lender is unable to access my report. 

Worst of all, I am unable to contact a live human at Experian to help to resolve. Their telephone helpline deliberately omits any opportunity to speak with a representative, no matter which path one takes. They seem to provide no path to help me resolve the issue - this is very frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I sent a letter into transunion to delete inaccurate information from my consumer profile, as well as ensuring that only true, accurate and complete information is being reported in my profile. Transunion responded to me with a letter stating they did not believe I sent the letter or an authorized third party, upon sending the letter I included a copy of my drivers license and my social security card to serve as verification as well as proof of address. Transunion after being notified of the inaccurate information on my consumer profile are not taking steps to delete and correct the information, and knowingly and willfully continuing to report inaccurate information.
Product: Mortgage

The company randomly raised my mortgage from {$980.00} a month to over {$1000.00} a month. One employee said there was a tax increase, but no one else could see that information. After 6 -7 months of arguing with the company, they lowered it. But we fell behind trying to keep up with our day to day expenses. I have submitted multiple loan modification requests. I have mailed them, faxed them, and emailed them. Yet they regularly call me during working hours.. when I've answered the phone, most of the calls were dead air calls ( no one was speaking ). If there was someone there, I advised them ( not always in the nicest mannor ) that there were violating the FDCPA by calling me during known work hours. Their response was " we have no control over who gets called when. We use an automatic dialing system. '' The company constantly said that they didn't receive any of them. I submitted my last modification request, requesting to basically restart the mortgage at the {$980.00} monthly payment, but didn't hear a word about it, then received a foreclosure notice in the
Product: Checking or savings account

Bank of America locked my account and placed it in a risk closure status. Soon after on XX/XX/XXXX they opened XXXX claims without my knowledge. These claims were for checks that were written by me to a few business partners. Also at the time of the locking of my account I had a check that was pending clearance for the amount of XXXX XXXX. They check did clear and became available to me but because of the status of my account I was not able to withdraw or use those funds. And that is still the case today. On multiple occasions I have asked when will I be able to access my funds and they tell me when the account is closed I will receive a check in the mail for the remaining balance in my account. Which is not a problem but the issue is that they will not close my account due to the opened claims. I have tried over and over to access my funds in a different way and they will not work with my in any capacity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX XXXX Balance : - XXXX XXXXXXXX XXXX XXXXXXXX Balance : - US BKPT CT WI XXXXXXXX Bankruptcy XXXX XXXXdismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX US BKPT CT WI XXXX Bankruptcy XXXX XXXXdischarged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

I, have submitted multiple requests to opt out of information sharing with XXXX XXXX XXXX and these requests have been denied and ignored, in violation of my legal rights. 
Timeline of Requests : First Request to XXXX XXXX XXXX  : Submitted on XX/XX/year>, requesting to opt out of sharing my Credit Account, Transaction, and Non-Public Information. 
CFPB Request : Submitted on XX/XX/year>, following XXXX XXXX XXXX XXXX failure to comply with my initial request. This request was also denied and ignored. 
Legal Rights and Violations : Fair Credit Reporting Act ( FCRA ) : According to 15 USC 1681 section 602 ( a ), consumer reporting agencies must exercise responsibilities with fairness, impartiality, and respect for privacy. I have the right to ensure my private information is not shared without my consent.

Privacy Obligations ( 15 USC 6801 ) : Financial institutions must respect the privacy of customers and protect their nonpublic personal information. XXXX XXXX XXXX has failed to meet this obligation. 
Consumer Consent ( 15 USC 1681 section 604 ( a ) ( 2 ) ) : Consumer reporting agencies can only furnish a consumer report with the written consent of the consumer. XXXX XXXX XXXX does not have my written consent to share my information. 
Nondisclosure Option ( 15 USC 6802 ( b ) ( c ) ) : Financial institutions must inform consumers of their right to opt out of sharing nonpublic personal information. XXXX XXXX XXXX did not inform me of this right. 
Right to Opt Out ( 12 CFR 1016.7 ) : Consumers can exercise the right to opt out at any time. I have formally opted out of COLONY/THRGH COUNTRY DOOR 's reporting services and sharing of my information. 
Conclusion : XXXXXXXX XXXX XXXX XXXX denial and ignoring of my opt-out requests and failure to comply with the FCRA and other privacy laws necessitate further action. I have the right to report these violations to the Consumer Financial Protection Bureau ( CFPB ) for a formal investigation. 
I am once again requesting XXXX XXXX XXXX to honor my rights and process my opt-out request as mandated by law.
Product: Credit reporting or other personal consumer reports

A account was opened without my Authorization or consent, the account was opened XXXX XXXX and the name is JPMCB CARD SERVICES
Product: Checking or savings account

On XX/XX/2021 I WIRED Transferred {$100.00} from XXXX XXXX XXXX account to Regions Bank Account # XXXX. The same day it arrived the bank stole it.
Product: Credit card or prepaid card

I have been trying to get an explanation from Chase about interest charged to my account for purchases, when there were no purchases. The most recent two statements show a purchase balance subject to interest rate, yet Chase has not been able to identify the purchases.
Product: Debt collection

Got a letter in the mail today ... dated XXXX XXXX from these ppl! It says its an attempt to collect a debt! Doesnt show who they are representing for the debt, etc! Just says ... XXXX XXXX XXXX, XXXX and thr amount of {$1600.00}! I called to see how I owe and left aphone number and name about XXXX oclock today! No answer! Could be a scam ... ..Im XXXX with XXXX XXXX XXXX and have had a XXXX XXXX in XXXX! If this isss due to a bill from Fla ... it doesnt state it and I was fully covered with XXXX! ... ... ....
Product: Debt collection

Portfolio Recovery sent me an affidavit to fill out. I sent it back weeks ago. I have not heard anything back from them. They are trying to collect a debt that was a result of my account being used unauthorized.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance Owed : {$590.00} ; XXXX XXXXXXXX XXXX XXXX XXXX BalanceOwed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; US DEPT ED XXXXBalance Owed : {$4000.00} ; US DEPT ED XXXX Balance Owed : {$3000.00} ; XXXX XXXXBalance Owed : {$6400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ; XXXX ) XXXX Balance Owed : {$2400.00} ; XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$0.00} ; DEPTEDXXXX  XXXX Balance Owed : {$0.00} ; XXXX 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

n accordance with the Fair Credit Reporting act Credit Inquiries XXXX XXXX XXXX has violated my rights. 

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, credit repair services, or other personal consumer reports

This is following up on my previous claim which was closed. I now have proof that my ex husband has tried to remove me via an assumption ( per Navy Federal this is the only way to remove me ) and they WILL NOT LET HIM do this! 

In XX/XX/XXXX my husband and I got a divorce. Per speaking to a Navy Federal representative prior to our divorce we were told we needed to provide a divorce decree and quit claim deed removing me from the home and then I would be let off the mortgage. After we completed all of this and then submitted this paperwork I was informed that their rules had changed and I would not be allowed off the mortgage until my ex husband did a few other things. I am unable to get him to do any of those things as we were divorced at that point. I have contacted Navy Federal and disputed this being reported on my credit for years however it still remains. In XXXX my ex husband was permitted to extend the mortgage for an additional 10 years to a 40 year mortgage and add some personal debt to it. I did not sign this paperwork and his sister is the notary who notarized it. I disputed this again given that I do not know how this could have even been legal however have been turned down again. My ex husband does not pay the mortgage on time, does not live in the home and this is literally ruining my life. I can never get approved for anything and if I do it is at the cost of a ridiculous rate. I want this mortgage which was unethically and possibly even illegally extended and added to without my consent removed from my credit reporting
Product: Payday loan, title loan, personal loan, or advance loan

Received loan for {$300.00}, paid back off in 2 days after receiving loan in amount of {$390.00}. Loan contract stated : You may cancel this contract, without any penalty or obligation, within three days after the date the contract is signed. If you cancel, ANY PAYMENT MADE BY YOU under this contract will be returned within 10 days after the date of receipt by the credit services organization of your cancellation notice. Which is {$93.00}. I signed contract XX/XX/2024 XXXXXXXX XXXX. Received Loan on XX/XX/2024 XXXX, Paid loan off XX/XX/2024 XXXX. Not a full three days. Says To cancel this contract, mail or deliver a signed dated copy of this cancellation notice, or other written notice, to : Essential Lending, Inc. ( ELI ), attention General Counsel, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX not later than midnight XXXX XXXX  XX/XX/2024. I mailed and sent email. I talk to Rep, she said it should have been paid off on XX/XX/2024 which makes no since. we spoke on XX/XX/2024 around XXXX. I have Signed dated contract and receipt of pay off
Product: Student loan

XXXX was shut down & all my classes I took meant nothing. They were shut down by the Govt & forced to pay back why do I still owe?
Product: Payday loan, title loan, or personal loan

I applied for a personal loan for {$3500.00} to consolidate credit card debt. I just received an email stating that I was approved and to go in and sign the loan and then the declined me and I had multiple hits to my credit from them. How can I be approved and have an email saying that and then they change and decline it?
Product: Credit reporting, credit repair services, or other personal consumer reports

my address on my report are wrong XXXX XXXX XXXX XXXX  Ca XXXX i never lived in california alos this address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX the hard inquires are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Re : Complaint Regarding XXXX  Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX. regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX  continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself.

Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent.

Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud.

Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data.

Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach.

Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security.

Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX f

ailed to implement safeguards to ensure the security of sensitive consumer data. Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq. 5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures.

Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.