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

Im reaching out because theres an account on my credit report thats incorrect and needs to be removed immediately. This account is currently in pending litigation, and Ive already taken steps to address the situation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, a financial institution and furnisher of information, along with EQUIFAX AND XXXX, consumer reporting agencies, have willfully failed to comply with federal regulations by misusing my consumer report regarding account number : XXXX. 12 CFR 1016 ( Regulation P ) regulates and protects the privacy of consumer financial information. 12 CFR 1016.16 regulates and protects the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 12 CFR 1022 ( Regulation V ) Appendix M regulates and specifies obligations of furnishers of information to consumer reporting agencies under the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 

I, the consumer, have been adversely affected by XXXX XXXX, EQUIFAX, AND XXXX being willfully noncompliant with the proceeding federal regulations. 

12 CFR 1016.16 regulates 15 U.S. Code 1681 section 602 which states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' My privacy is being violated by the misuse of my consumer report. 15 U.S. Code 1681b section 604 states In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX, EQUIFAX, AND XXXX do not have my consent to furnish said information, and I have never given them written or verbal consent. Any implied consent is revoked. 

12 CFR 1022 Appendix M regulates 15 U.S. Code 1681a ( 2 ) ( A ) ( I ) which states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IRS Publication 4681, Chapter 1 regarding canceled debts states that a canceled debt is considered ordinary income, which is taxable. This charge off is taxable income and not to be included on a consumer report. 15 U.S. Code 1681s-2 states 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. XXXX XXXX, EQUIFAX, AND XXXX are willfully misusing this information on my consumer report. 

12 CFR 1022 Appendix M regulates 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) which states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. XXXX XXXX, EQUIFAX, AND XXXX have been willfully noncompliant by continually misusing my consumer report after I filed a complaint. 

12 CFR 1016.7 states, A consumer may exercise the right to opt out at any time. I am opting out of any and all of your reporting services. 

My intent is to sue if said issues are not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

As stated in the Prior complaint I am Requesting all Legal documents that hold me Liable for said Alleged debt I don't assume any Debt Nor do I owe a debt have them show me the law that shows a Federally protected consumer owes a debt. I'm invoking my consumer rights and demanding XXXX XXXX XXXX a debt collector Cease reporting to all Consumer reporting agencies Immediately they violate federal Code 15 USC 1692c ( b ) ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post-judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

I'm also requesting to opt out of my non-public information being reported under title 26, title V of the Gramm-Leach-Bliley Act opt me out! 
15 U.S. Code 6802 - Obligations concerning disclosures of personal information ( b ) Opt-out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) the such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to a such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to a such third party ; and ( C ) the consumer is explained how the consumer can exercise that nondisclosure option. I wasn't given any option
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XXXX of XXXX I switched my phone service with permission from XXXX XXXX XXXX. XXXX made it clear that I had to pay my outstanding bill from XXXX to obtain a code that would enable me to transport my service from XXXX to XXXX. On the XXXX of XX/XX/XXXX, I paid with my debit card {$240.00}, which I was told was my final bill, and on that same day, my cellphone was switched from XXXX to XXXX. In XX/XX/XXXX, I received a bill for {$280.00} from XXXX, claiming that I owed the unpaid balance. I tried to explain to them, but they would not give me a listening ear. They then processed and sent my name and this amount to a collection agency XXXX XXXX, in Pennsylvania. I would receive calls from all odd hours and every day of the week. They would send me an email, notices in my mailbox, etc. I tried to explain that I did not owe this money, and there seemed to be an error. They reported me to the credit bureaus, which caused my credit scores to drop. Fast forward to XX/XX/XXXX, I decided to purchase a home and was advised to go ahead and pay off this debt of {$280.00}. On the XXXX of XXXX, I contacted XXXX XXXX to clear this bill ; my account was debited for {$340.00} that day. Their agent told me within XXXX to XXXX business days, I would receive a notice of payment in full either via fax or mail. I asked for a fax copy to be sent because the underwriters need it urgently. They promised I would receive the fax that same day within 30mins to an hour. Today, XX/XX/XXXX, I am still waiting to receive a mail or the faxed copy. I have called this agency daily, and they keep giving me the runaround. I asked to speak with a managXXXX, but none has taken my call. I am left stranded and I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by my mortgage company that they did not receive payment for my loan. I pay automatically every month since inception. I have provided proof from my bank that it was paid and they still have not credited my account or fixed my credit score.
Product: Checking or savings account

XXXX XXXX has XXXX disputes that.have completely aged out with plenty of proof services were not received. Several individual bank branches that I'm friends with have tried to fix this. I call disputes they ay " we know who you are do not call.again '' and have called them maybe XXXX  times in several years of being a customer. This feels very personal but the facts time is beyond up and they have more than enough documentation to refund my dispute. They are not following best practices or even the laws that handle disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX removed a 30 day past due entry from my credit reports. Experian still shows it and it is impacting my credit score negatively
Product: Mortgage

Mortgage was sold in 2024 to another financial institution. The payments were setup for bi weekly and when the mortgage was sold the full monthly payment had not yet been made and we were charged $ XXXX. When we reached out to the mortgage company they told us we had to go through the old company to resolve but when we reached out to them they said they no longer were able to service or provide information on the account. The fee was force paid this last month and we have no explanation as to why it was charged and had no ability to resolve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in 2022, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2022 XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, 2022 XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, 2022 XXXX XXXXXXXX XXXX Inquiry : XX/XX/ 2022 XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXX XXXXXXXX Inquiry : XXXX XXXX, 2022 XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, 2022 2022
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts so many times and I do not understand how the consumer reporting agencies continue to violate the FCRA by reporting inaccurate information. 
Equifax and XXXX are both reporting the XXXX XXXX account # XXXX. Equifax is reporting a high credit of {$0.00} and this is absolutely wrong. Equifax is also missing the account type detail and according to the FCRA I have the right to a complete consumer report and this is a violation of that. Equifax and XXXX are also reporting a different date last active and date of last payment. Equifax is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. This is inaccurate. The date of last payment Equifax is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Both are wrong. Now the consumer reporting agencies claimed that this information was verified by the creditor. But why would the creditor give each consumer reporting agency different information. They are using Eoscar to verify this information and clearly Eoscar isnt a reliable source. I have given the consumer reporting agencies enough time to fix their mistakes but they ignored me so I am demanding this account be deleted asap. 
Equifax and XXXX are both reporting the XXXX XXXX account # XXXX. Equifax has never updated this account to reflect that it was disputed by the consumer and this is a violation of the FCRA since I have disputed this account several times already. This alone is grounds for deletion. The high credit is reporting {$450.00} with Equifax and this is inaccurate. XXXX is reporting an account detail lease and Equifax is reporting auto loan and this is inaccurate. According to the FCRA, everything reporting on the consumer report must be 100 % accurate and this account is not. XXXX is reporting a date last active as XX/XX/XXXX and Equifax is reporting XX/XX/XXXX and they are wrong. The date of last payment with XXXX is reporting as XX/XX/XXXX while Equifax is reporting XX/XX/XXXX. I am demanding this account be deleted due to numerous violations of the FCRA. 

XXXX is reporting on XXXX and Equifax and after numerous dispute letters I have sent. I know by law these accounts should be reflecting that I have disputed them and they are not. Since this is a violation the FCRA I am demanding this account deleted from my consumer reports asap. 

XXXX is reporting on XXXX and Equifax and after numerous dispute letters I have sent. I know by law these accounts should be reflecting that I have disputed them and they are not. Since this is a violation the FCRA I am demanding this account deleted from my consumer reports asap. Equifax is also reporting credit limit of {$0.00} and this is wrong.
Product: Mortgage

On  XXXX   XXXX ,  2017  I asked Nationstar Mortgage to terminate PMI on our mortgage since we reached the 80 %  LTV (  {$380000.00} appraised value - $ {$300000.00} mortgage balance ). A new appraisal had been completed confirming that multiple upgrades had been completed after we had purchased our home which increased the value. I spoke to the PMI department including a supervisor and was denied verbally because the investor rules were 75  % LTV  from the original home value for PMI to be terminated. After a lengthy discussion on the Affordable Housing Act and the CFPB, I was finally given an email address to send an appeal for the denial to be reviewed. The first email address I was given did not  work (  XXXX  )  and I had to call a  2nd ti me to get another email address that worked. I sent the email requesting the appeal with a copy of the appraisal, CFPB 's  XXXX  bulletin, and a request PMI be terminated. This all occurred on the same day  XXXX   XXXX . I had not received a response so I called today,  XXXX   XXXX ,  2017  to inquire about our appeal to the PMI department and was told that our appeal had been denied. I asked why I had n't received anything in writing and was told they mail denials in bulk and my letter has not been mailed yet.  XXXX , my PMI agent today, said he was able to get a copy of the letter and will mail the letter today. After explaining that I will be filing a complaint with the CFPB,  XXXX  asked if I wanted to speak to a supervisor but told him no since it did n't work the last time I spoke to a supervisor.
Product: Checking or savings account

On Saturday, XX/XX/2023 I attempted to make an ATM cash deposit at the Citizens Bank ATM, with whom I have a checking account, in the amount of {$3000.00}. After inserting XXXX {$100.00} dollar bills the ATM machine malfunctioned and took all of the money I put in it but did not credit my account for any of the {$3000.00} that I deposited. I immediately contacted my bank and filed a dispute for the lost money and its been almost a full week now without even a temporary credit for the amount of the deposit. It was a substantial amount of money that I need to have access to pay my bills and rent but Ive had to go close to a week now without it and I havent gotten any recent updates from Citizens Bank regarding the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Local utility company XXXX XXXX XXXX entered incorrect address and banking information when I opened my account. I paid the account when I closed it, but the phone agent did not get the account information correct. Months later, the utility sent the account to collections. I never received any correspondence to pay from the utility. I never received any correspondence from the collection agency. I received notice from the XXXX XXXX XXXX XXXX credit monitoring service. The collection agency put three items on the credit report. Two were for the debt, plus one skip tracing item. I called the collection agency and paid the amount they wanted. I called the utility to inquire. They verified that they did not enter my address and banking information correctly. I ended up with three lines on my credit report plus had to pay several fees for an error that was on the part of the utility company.
Product: Mortgage

Servicer : Nationstar MortgageBank : XXXXAfter suffering financial hardship and illness in our family we applied for and were granted a modification. Unfortunately the new modified payment was almost exactly the same due to the limited terms our lender would accept. We felt we had no other options at the time so we agreed to the modification. With the payments still the same it was only short time that we were struggling again. We started the process of applying for another modification in XXXX of 2014 as we were told that our lender would have more options available. For the past year we have been in this circle of applications and them having us do things over. Finally in the spring we were apparently denied due to a net present value ( NPV ), the problem is they never sent us the denial letter. When had to have them send us the letter which was almost a month after they said the initial denial letter was sent. This letter said we could have an appraisal done on our house at our expense ( {$500.00} ) but it had to be within 30 days of the letter. We had the appraisal done but it was after the 30 days due to us never receiving the original denial letter. You have the right to appeal and so we did, we provided everything they asked for. Then they continued to prolong the process, they wanted a new P & L, then they would want different dates on the P & L, then they wanted us to sign the P & L, never did they provide specific instructions. While we were in the process we provided everything they requested immediately, they request that you upload documents on their website and then sometimes they would take a week to post them. All this time on our online account it was showing they had what they needed and then two hours later they would want updated paystubs etc. The same day I spoke to our designated contact XXXX who stated they had everything I returned home to find sale dates posted on our house. There was no communication to us that they were going to precede with a trustee 's sale to give us notice or a chance to find other options. All we were asking for is to work with us on different options. If we had been informed that we were not eligible to apply for another modification we would have taken steps in the very beginning to sell our home. We are in underwriting right now regarding the modification so how is it okay for them to push the sale date at the same time. They have made this process impossible and prolonged the situation to a point that we are in a much worse position than when we started. We have worked hard to get to a better financial position and we have paid nearly {$500000.00} towards our house with very little to show for it. All we have asked is to have the chance to sell the house if we are not eligible for any help and keep the little bit of equity we have to move on with our lives. If we knew that we had to sell we would have used money from our 401K to get caught up and at lease sell the home. 

We have hired attorney at : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report inaccurate, unverifiable, and non- compliant information on my credit report. According to your last response, you verified my bankruptcy through XXXX XXXX XXXX. Well, I contacted XXXX XXXX XXXX and there are NO bankruptcies listed in their records. So, who are you getting this information from? I have enclosed a copy of the bankruptcy section of my XXXX report and it clearly shows there are no bankruptcies. Immediately delete the bankruptcy from my credit report because it is not verifiable and inaccurate.
Product: Debt collection

I was working with XXXX XXXX XXXX without verified Debt. I missed a payment and two weeks later XXXX collection reports Where on my credit report. It is my understanding I was paying towards one bill from one company and not XXXX. This is a violation of my rights and an attemp to destroy my credit profile.
Product: Credit reporting or other personal consumer reports

I really don't remember what date From make XXXX to XXXX I was co-sign only, when I called credit Acceptance to check and see how was it signed and she stated that I was his co-signer and he was the buyer and when he passed away they changed it over year yes I had to pay the balance off for him, I they reported wrong as I was the buyer and he was the co-signer.
Product: Credit card or prepaid card

I participated in the refer a friend offer from American Express for my XXXX card. I was to receive XXXX points per friend referred up to XXXX points per year. I referred a total of 4 friends and the XXXX points appeared on my XXXX and XXXX statements. 

They never were deposited into my XXXX XXXX account though. I have called 4 different times and have been told there was an issue with referral points posting properly and that they should be deposited within a few days. Each time nothing happens.

The terms clearly say that the points should be deposited in my account within 8-12 weeks. Those dates have come and gone.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to file a complaint against XXXX, XXXX, Transunion for their violation of my consumer rights regarding the reporting of my non-public personal information, despite my explicit request to opt-out. 

On XX/XX/year>, I exercised my right to opt-out from the reporting of my non-public personal information by sending in writing a notice to XXXX ( attached for reference ). This action was taken in accordance with the provisions outlined in applicable consumer protection regulations, including but not limited to the Fair Credit Reporting Act ( FCRA ). 

Despite my explicit request to opt-out, I have recently discovered that XXXX, XXXX, Transunion continue to furnish information related to my account with XXXX on my credit report, including non-public personal information that I specifically opted out from being reported. This persistent reporting of non-public personal information by XXXX, XXXX, Transunion is a clear violation of my consumer rights and undermines the integrity of my credit profile. 

I want to emphasize that my decision to opt-out from the reporting of non-public personal information is a fundamental right afforded to consumers under consumer protection laws. By disregarding my explicit request, XXXX, XXXX, Transunion have not only violated my consumer rights but have also compromised my privacy and financial security. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX, XXXX, Transunion cease the unauthorized reporting of my non-public personal information on my credit report. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will uphold consumer rights and work towards a swift resolution of this issue. 

Sincerely, XXXX XXXX