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

In accordance with the Fair Credit Reporting act, XXXX 'XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX, XXXXXXXX XXXX Account # 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX has violated my rights XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have viewed my consumer credit report and notice some unathurized inquries that has been placed on my account on XXXX by XXXX XXXX XXXX XXXX Under 15 u.s. code 1681b-permissle purpose of a consumers report ( a ) 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 which it relates. I XXXX XXXX never gave XXXX, XXXX  AND XXXX_any written consent to report anything on my consumer report, NO consent is identity theft .a copy of the law is attached along with this dispute letter. and to add on the 3 major reporting bureaus are also at fault due to the fact that their are well aware of the following subchapter 15 u.s code 1681b ( a ) ( 2 ) ... I AM ASKING THE CREDIT REPORTING AGENCY TO PRODUCE A CONTRACT BETWEEN ME AND THE CREDIT REPORTING AGENCY LISTED IN THIS AFIDAVIT SHOWING THAT I GAVE YOU PERMISSION TO FURNISH THIS REPORT IN THE FIRST PLACE ... BY CHANCE THAT YOU DO HAVE THIS CONTRACT I WANT A SENIOR EXECUTIVE STATING THAT I GRANTED MY PERMISSION TO FURNISH THIS IN THE FIRST PLACE ... PLEASE DELTE THESE INQUIRES
Product: Credit reporting or other personal consumer reports

According to the fair credit reporting act 15 USC 1681 section 602 states that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, partiality, and a respect for the consumers right to privacy. XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt shared, which is backed by 15 USC 6801 which states, Its the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers, and to protect the security and confidentiality of those customers non-public personal information. These companies that are listed in the attachments on my report are financial institutions by definition under that title. 15 USC 1681 section 604a section 2 states that In general subject to subsection c, any customer reporting agency may furnish a customer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. The financial institutions that are attached and the consumer, reporting agencies, XXXX, Experian, XXXX, do not have my consent to furnish this information, and they surely dont have my written consent. Any and all consent to XXXX, Experian, XXXX whether it be verbal, nonverbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose non-public personal information to a non-affiliated third party unless- the consumer is given an explanation of how the consumer can exercise the nondisclosure option. None of these companies ever informed me of my right to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) states that Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. These accounts are adverse items they are reporting without my permission which is against the law. 15 USC 1681s-2 ( a ) ( 1 ) 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. 15 USC 1681c states 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 1681b of this title. XXXX, Experian, 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.
Product: Vehicle loan or lease

I had my car loan with XXXX. During my loan period with them, I deferred my XX/XX/XXXX payment. Both I and the lender agreed it was ok. Santander bough my loan from them in XX/XX/XXXX. This information want passed to Santander so they said I was missing a payment. I talked to multiple reps and even a supervisor they said it would get fixed because they too saw that I deferred a payment. Its been over a month and they never resolved my issue.
Product: Mortgage

I requested XXXX mortgage forbearance through the CARES act for my Section XXXX HUD mortgage XXXX That began starting on XX/XX/XXXX and I resumed making my scheduled mortgage payments of {$1200.00} every month, on-time, since XX/XX/XXXX. Every month when I make my payment, I ask to leave the loss mitigation XXXX forbearance and I'm told that someone has to call me in order to do that. I ask for a number, or contact information and nothing is provided. I'm just repeatedly told that this is normal and that I'm on a " list '' and that someone will contact me. 

This has been ongoing for years now and on XX/XX/XXXX, Mortgage Clearing Corp reported me as for missing payments from my forbearance program, although I have continued to make every payment on-time since I resumed making payments on XX/XX/XXXX and I'm not given any options to resolve the mortgage forbearance. 

I continually request to make the payments per the terms of the original mortgage loan and extend the loan maturity date out to cover the missed payments. It is my understanding that this is an option as provided under the CARES act in the form of an interest free additional loan that covers the amount missed during the XXXX forbearance. 

Mortgage Clearing Corp has now devastated my credit score and it is my understanding that I am protected from negative credit reporting from the CARES act. 

I desperately need help dealing with this mortgage lender, please.
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report I noticed inquires that I did not make nor did I approve anyone to pull my credit report. And my credit was impacted by equifax breach and proof is with documentions
Product: Mortgage

To whom it may concern, We sold XXXX XXXX XXXX XXXX ) and purchased a home ( XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2019. 
We were advised to not make a mortgage payment because it would cause the payoff amount to be incorrect. I have attached the closing documents for both homes showing that they were both completed on XX/XX/2019 and the loan ( XXXX ) was paid in full on this day. With that being said the loan was paid in full before XX/XX/XXXX and it was not 30 days late.
Product: Debt collection

Addendum : I have disputed the debt in writing through the XXXX XXXX XXXX XXXX and TrueAccord acknowledge the dispute through their response, as I have said in my dispute, the debt collector. ( i.e ) TrueAccord was instructed to contact the District Attorney 's Office and they have declined/refused. This is in  correspondence legally and accordingly with the Fair Debt Collection Practices Act ( FDCPA ) the burden of proof in verifying the debt is the sole responsibility of TrueAccord and my attorney resolved this matter during the court proceedings for the identity theft. 

If TrueAccord seeks to continue the debt collection, I must receive verification from TrueAccord of the original owner of the debt in writing in less than ( 30days ) from the original owner of the ( debt ) including the following ( invoices, signature verification, services rendered, payment methods, proof of identity was presented. ) TrueAccord havs stated in their own admission correspondence to the XXXX of Greater XXXX XXXX they on XXXX and XXXX, ( True Accord ) do not own the account that was placed with them and they do not have the verfication orginial documents. 

Through Truce Accords own admission, they are refusing to verify the debt allegations through my city 's District Attorney 's Office Freedom of Information Act ( FOIA ) which states this debt is not mine due to stolen identity. 

TrueAccord is required by law to send the debt back to the original company which they state is XXXX XXXX XXXX XXXX. Collections who also is not the orgininal owner. My contact in Washington, DC did some reseach on my behalf and XXXX XXXX XXXX XXXX alleged orginal debit owner does not exsist. 

I asked True Accord twice to send me verfication that shows I was the consumer of the debit or take they could easly contact my local Distrcit Attorney 's office.by submittt a FOIA request. 

They refuse to comply and want me to submit proof becuse they are aware of my numerous compliants stating this debt was identitied as proven identy thief. 

True Accord was notified though their own correspondace with the XXXX of Greater XXXX XXXX to cease from pursuing and reporting this debt in accordance the Fair Debt Collection Practices Act ( FDCPA ), and from further contacting me. Further investigation has determined there is a lengthy history of several Federal, and National complaints of illegal practices from True Accord and XXXX XXXX XXXX XXXX..
Product: Mortgage

On XX/XX/XXXX, I applied for a VA Home Loan mortgage with Wells Fargo Bank. Over about a two week period, I submitted numerous documents to Wells Fargo via their LoanTracker system and satisfied all requests for documents and verification information. I have called and emailed the relevant Wells Fargo agents and am constantly informed that the underwriter 's are still considering my mortgage application. My last call was two weeks ago as of XX/XX/XXXX and I have still received no email correspondence, no decision by mail or fax, and no email correspondence. I believe that there may be unfair or discriminatory loan practices involved with my Wells Fargo mortgage application. To clarify -- I applied for the mortgage on XX/XX/XXXX and as of XX/XX/XXXX no decision or any other correspondence regarding my application has been received. Wells Fargo appears to be unfairly delaying my mortgage application, which I believe may be  discrimination and a violation of my rights.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the customer financial protection Act ( CFPA ) .Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXXXXXX BALANCED {$19000.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late last year in XXXX I heard about a company named XXXX, an App that could assist you with increasing your credit score. At the time I was looking for products to do just that, I debated for a bit because this particular company requires a down payment. Eventually I went ahead and moved forward I signed up and gave a security deposit of {$150.00}, the idea is you are borrowing against your own money and they report it as a trade line to the bureaus to assist with your credit. Everything was okay at first until one day my bank account which must be synced was disconnected. XXXX has essentially poor communication with their customers, I found this out when the issues raised. Due to the lack of real communication and explanation of why my account would disconnect or why I wouldnt be able to log in at times payments would have issues because the only way to make payment would be via autopay with synced account, or through the app to my knowledge. XXXX started to report me to the bureaus for late payments in the midst of me emailing them for assistance to get access to my account to make payments. They have virtually no response to emails outside of copy paste, their number doesnt give live agent access. If you dispute them with the bureaus you get no response from this creditor they just respond to the bureaus again with inaccuracies, The bureaus keep allowing them to report inaccurate information even when I provided proof. I even reported them to XXXX  and they were dishonest about following up with me repeatedly. Fast forward to this month they took {$120.00} from my bank after reporting my account as a charge off and still not responding to my correspondences. No explanation, my account is now paid in full and they refuse to update the bureaus with accurate information that the account is paid in full they refuse to delete the accounts from the bureaus and they refuse to return the security deposit. I dispute this with the bureaus and provided proof that they are indeed not reporting correctly and the bureaus still wont correct the information and are allowing inaccurate information to be reported! After doing research I should have done from the beginning I realized I am not the first customer to experience this with this company or the bureaus in relation to this company! They have ruined my credit history, essentially stole my money and at this time seem illegitimate. So I am reporting them in hopes that they stop this poor practice of false reporting and not communicating, or validation of the information they send. The bureaus are investigation must be more thorough to determine what is legitimate and what is not this is unacceptable.
Product: Credit reporting or other personal consumer reports

After requesting the delinquency notice from said creditor ( XXXXlagship Credit ) I received it via email from a XXXX XXXX. After looking over it to its entirety, I noticed that the delinquency notice had a XXXX digit account number different from the XXXX to XXXX digit account number that Flagship Credit clearly states on its website that I should have. I was then told in my previous complaint that the XXXX digit account number could also be used per se when calling Flagship. But where does it state that in the sales contract? Where are either of the account numbers even listed on the sales contract? Which Ive also ready to its entirety! Why is a car that was sold at an auction still in a charged off status on my credit report. A charge off is for a loss & Y'all havent lost XXXX. So wouldnt that technically be a repossession? Again INACCURATE INFORMATION. 

I accept no contract or responsibility of a contract unless it can be shown to be lawful by meeting the four essential conditions of a lawful binding contract, which are 1. Full disclosure showing where I was told that I was actually creating the credit with my wet ink signature 2. Equal consideration ( Flagship brought nothing of value to the table so they had nothing to lose ) 3. Lawful Terms and Conditions ( Mine were based on fraud ) and 4. The wet ink signatures of both parties ( A corporation, which is a soul-less legal fiction, cant sign because they have no right or MIND ; and furthermore, no third party can sign or bind a contract on their behalf ). 

I will keep pushing this issue and make as many reports as I need until this inaccurate information is removed. Thanks 15 U.S.C. 1681i
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple late payment remarks on this XXXX XXXX XXXX account. Account number XXXX. I have sent proof to the bureaus that the late payments are reporting inaccurately and need to be removed and updated
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached various accounts that are violating the FCRA and reporting inaccurate information to all three of my credit bureaus. I have attached the accounts and highlighted all the inaccuracies. I would like to have these accounts deleted from all three of my credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following inquiry : XXXX XXXXXX/XX/2018 Please investigate to ensure there is no fraudulent activity
Product: Debt collection

The company left several messages over a span of a month or two. The messages were intimidating and aggressive - the recorded voice emphasized that it was important that the listener be in a private location and only be the person intended for the message. There was no reference to a specific debt the company was trying to collect. When I called the company I told them that I was not the person they were trying to reach, they did take me off their list. But based on the nature of the message and its tone, I 'm afraid they may be intimidating others, especially elderly people.
Product: Checking or savings account

I asked why the bank won't give me the money from the account that they froze since XXXX and they still haven't given it to me. I've called many times and I have come to the branch to try to fix the problem and give me my money back and they make me wait up to 2 hours or more. They call different departments and I leave the same way I arrived. No solution so far.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have given the bureaus proof of items being included and discharged in bankruptcy. The first delinquency is 7 years old and the items should be deleted from my file. The late payment from years ago are still effecting me to start my life over and all I get is to keep giving proof of my residence and ID which I have sent. The following should be deleted from my credit file XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. The XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX  In addition my credit report was pulled several times without my permission and should be deleted. I have several alerts showing my Identity is on the black market including my SSN. 

XXXX XXXX XX/XX/XXXX was out the country XXXX XXXX XXXX XX/XX/XXXX was out the country XXXX  XX/XX/XXXX did not apply XXXX XXXX XX/XX/XXXX did not apply XXXX XX/XX/XXXX did not apply XXXX XXXX XX/XX/XXXX did not apply XXXX XX/XX/XXXX did not apply XXXX XX/XX/XXXX did not apply XXXX XXXX XX/XX/XXXX did not apply Please have this looked into because I am getting nowhere
Product: Student loan

When it was time to start making payments in my loans salliemai would now accept lower payment amounts. They would constantly call me everyday and I would talk to them till I was blue in the face and explain I could n't send a full payment. Finally I stopped answering and now I 'm with navient. They finally agreed to lower my payments for me but it just sucks that I couldbe been making payments tho whole time if I was n't denied before.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the incorrect information currently being reported on my credit report. Specifically, the balances for two of my accounts are inaccurately reported. 

XXXX XXXX XXXX  My current balance is {$75.00}. However, your report shows a higher balance. 
XXXX XXXX : My current balance is {$0.00}. However, your report shows a higher balance. 
I have contacted both XXXXXXXX XXXX and XXXX XXXX to update my credit report with the accurate balances, but the reports have not been corrected. As a result, I am submitting this dispute through the Consumer Financial Protection Bureau ( CFPB ) to ensure that my credit report reflects the accurate and up-to-date information. 

Attached, you will find a letter from XXXXXXXX XXXX  confirming my current balance of {$75.00}, and a letter from XXXX XXXX confirming my current balance of {$0.00}.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.