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

I am writing to express my serious concerns regarding the handling and distribution of my personal information by XXXX, XXXX, and XXXX, in conjunction with XXXX XXXX and Macys. My complaint is grounded in the obligations set forth by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( a ) ( 4 ), which underscores the necessity for consumer reporting agencies to operate with fairness, impartiality, and a profound respect for consumer privacy. ( a ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

It has come to my attention that my personal and financial data has been shared without my explicit consent, in direct violation of the principles outlined in 15 U.S.C. 6801. This section clearly states that financial institutions hold a continuous responsibility to uphold their customers privacy and the confidentiality of their nonpublic personal information. Given that XXXX XXXX and Macys operates as a financial institution within the interpretation of this statute, they, alongside the consumer reporting agencies, are required to adhere to these guidelines. 

Further to this, 15 U.S.C. 1681b sets forth the permissible circumstances under which my consumer report may be furnished. It is explicitly stated that consumer reports can only be distributed in adherence to the written instructions of the consumer to whom it relates. I have not provided such permissionin written or any other formto XXXX, XXXX, XXXX, or XXXX XXXX and Macys. Accordingly, I hereby revoke any presumed consent for the distribution of my information, irrespective of its form. 

Additionally, 15 U.S.C. 1681a ( 5 ) forbids consumer reporting agencies from disclosing adverse information older than seven years, further ensuring the protection of consumer rights to privacy. My complaint also highlights a failure in complying with 15 U.S.C. 6802 ( b ) ( c ), which mandates that a financial institution must inform consumers of their right to opt out of nonpublic personal information disclosure. XXXX XXXX and Macys has notably failed to provide such information, denying me the opportunity to exercise my nondisclosure rights. 

In accordance with 12 CFR 1016.7, I am exercising my right to opt-out of your reporting services effectively immediately. I insist on a prompt review and rectification of these issues, aligning with the stipulations and the spirit of the Fair Credit Reporting Act and related statutes concerning consumer rights and privacy.
Product: Credit reporting or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX - Date of inquiry : XXXX XXXX - Date of inquiry : XXXX XXXX XXXX XXXX - Date of inquiry : XXXX
Product: Checking or savings account

Somebody had put a stolen check into my account and it was never cashed and my account became frozen and I was never charged for fraud nor went to prison for fraud and Im just trying to clear my record and ask somebody tried opening a bank in another city that I have never ever heard if
Product: Mortgage

NewRez mortgage company currently has a loan on one of my 4 properties that is a rental house ( my other 3 properties are free and clear ). They agreed to give me a 2.75 fixed 15 year mortgage on my primary residence and paying off the loan on my rental property ( essentially moving the loan from one property to another. I provided any and all documentation needed and requested AND got loan approval then all of a sudden they suddenly denied me because I listed one of my other paid for properties for sale on the MLS that had renters in it ( continually paying their rent ) just to test the market and possibly do a 1031 exchange into 2 other rentals at some point. I was NEVER told prior to this that I could not do that. It in NO way affected my inc9me or ability to pay the new mortgage. In fact my net worth is over {>= $1,000,000} and I was ONLY getting a {$300000.00} loan on my primary that is worth over {$750000.00}! This was a VERY easy loan to approve. I have felt consistently during the process that the lender regretted locking me in that rate because it they would lose money ( since the current loan is ALSO its them at a much higher interest rate ). WE WERE APPROVED AND LOCKED IN and the title company had even contacted me to set up the mobile notary to sign the final paperwork! This is a CLEAR violation of RESPA and Truth in Lending ( I am a XXXX XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding unauthorized hard inquiries that appeared on my credit report. Despite my multiple attempts to address this matter and seek resolution, I have yet to receive a satisfactory response from your agency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently discovered that my identity was stolen and used to create fraudulent accounts. Fraudulent inquiries have also been made. I need your help to remove these items from my profile as soon as possible. 

The fraudulent accounts are as follows : XXXX. XXXX XXXX XXXX XXXX- This account is appearing on my Experian and XXXX reports. Although it seems to be the same account due to the open date, the account numbers differ. It is listed as XXXX in XXXX, XXXX in XXXX, and XXXX in Experian. The fraudulent account was supposedly opened on XX/XX/XXXX. Not only is this fraudulent, but the information on it is also inaccurate across the bureaus. Please remove this from my credit reports. 

XXXX. XXXX XXXX - XXXX - opened : XX/XX/XXXX. 
XXXX. XXXX XXXX  - XXXX - opened : XX/XX/XXXX. 
XXXX. XXXX XXXX - XXXX - opened : XX/XX/XXXX. The XXXX XXXX account only appears in Experian. Please help me delete these fraudulent accounts. 

Also, please help me delete the following fraud inquiries : XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

I also need your assistance in correcting my address and name. My name should be XXXX XXXX and my address should only be XXXX XXXX XXXX XXXX XXXX XXXX XXXX nothing else. 


I have attached here my FTC reports, proof of identity and proof of address. As a XXXX  in this country, this experience is very traumatic to me. I don't know much people who could possibly help me with this situation. The harrassment and stress that I have to go through because of this is unbearable. Please help me. Thank you.
Product: Credit card or prepaid card

Statement of Facts I, the consumer and natural person, was denied credit by AMERICAN EXPRESS , INC. when I applied for XXXX Credit Card. Adverse action against the consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act codified in 15 U.S.C. 1691c and is under civil liability under 15 U.S.C. 1692k. criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by AMERICAN EXPRESS , Inc. due to the response I received. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of AMERICAN EXPRESS , INC If AMERICAN EXPRESS , INC. fails to make any reasonable procedure to resolve this matter and compensate me for the use of my credit card. I indeed will make AMERICAN EXPRESS , INC. criminally and civilly liable for all damages under 15 USC 1681n and 15 USC 1681o.
Product: Mortgage

I had a mortgage with Wells Fargo Home Mortgage in about XX/XX/XXXX. Then in XXXX, I requested HAMP Modification. Wells Fargo Home Mortgage incorrectly denied mortgage loan modifications on my mortgage in XXXX even though I clearly qualified. I spent lots of money on legal fees to the XXXX XXXX firm and others firms Additionally, Wells Fargo improperly froze or closed deposit accounts, and improperly charged certain overdraft fees over 20 years. 

Wells Fargo acted negligently in denying loan modifications at a time I was struggling, and failed to uphold its duty under the Home Affordable Housing Program ( HAMP ) to issue modifications to all troubled homeowners. 

Loan applications was being denied when they should have been approved. 

Wells Fargo engaged in a pattern of Fraudulent concealment and intentional infliction of emotional distress
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXXXXXX XXXX  credit card that has inaccurate information being reported about it by Equifax. I contacted Equifax twice via their dispute portal and indicated that the ontime payments from XXXX to XX/XX/2022 are missing from my report and need to be updated to reflect accurate information. 

Equifax was also informed that my credit balance for this credit card hasnt been updated correctly since XX/XX/2022. Also, I specifically told them that my posted balance for XXXX should be {$0.00} and instructed them to update the correct info my this account. 

Ive filed 2 separate disputes about this matter with Equifax witn no resolution by them. Equifax did a supposed investigation in a day on both occassions that I filed my disputes and still didnt fix my complaint.
Product: Credit reporting or other personal consumer reports

I want you to investigate this inappropriate information on my credit report and after investigating please delete it! 


Account Name : XXXX XXXX Account number : XXXX Date Opened : XX/XX/2016 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX : ( TransUnion ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 an 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 ay consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Credit reporting

Credit report shows I am in collection for {$1700.00} debt not mine. Store not around, never been billed, debt from XXXX contacted credit report ( XXXX ), XXXX XXXX XXXX collection agency and have not had it removed
Product: Vehicle loan or lease

In XXXX, a notice rescinding the agreement for non-disclosure, UCC and 15 USC consumer law violations from PRESTIGE FINANCIAL SERVICES was received by them but has not been responded to and the 20 days expired placing them in violation of 1026 ( c ) ( d ) ( 2 ). They refuse to resolve this issue by remedy stated therein of the rescinded instrument yet harassing me via text messages about making a payment without resolution to the rescission.
Product: Credit reporting or other personal consumer reports

I've asked for investigation of two account that are reporting improperly on my credit report with several inaccuracies and incomplete items. I need the company let me know the method they used to verify this account as accurate reporting. Is my understanding that the company has to follow FCRA laws. The impact on my credit worthiness of this error are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you to report that I may have been the victim of identity theft. There are certain account activities/ charges on my account which I did not make. Please note that I notified you as soon as I learned of the fraud last Summer and made a report to the FTC and made a Police Report and I will not be responsible for any charges to any accounts fraudulently opened in my name Dear Sir or Madam : I am writing to you to report that I may have been the victim of identity theft. I also would like to share with you the deletions of these accounts on XXXX through XXXX and XXXX. I am requesting the following items be removed on my reports from your companies as XXXX  has done already. 

There are certain account activities/charges on my account which I did not make. I have listed these fraudulent charges below. Please remove these charges along with any finance charges or other charges related to the fraudulent activity. 

Upon completion of your investigation, please alert the appropriate credit bureaus of the correction to my information. 
The following accounts were fraudulently opened in my name. Please close these accounts : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX. 
Please note that I notified you as soon as I learned of the fraud last Summer and made a report to the FTC and made a Police Report and I will not be responsible for any charges to any accounts fraudulently opened in my name. Immediately remove the account ( s ) and inform since it was fraudulent and that it should be removed from my credit profile. 
Do not allow the sell or transfer of any debts related to the fraud and do not report these accounts over to a collection agency. 
Please respond to me in no more than thirty ( 30 ) days of your receipt of this letter. Once you have completed your investigation, please correct all the errors on my reports and provide me with an accurate statement of my account. 

Based on Federal Law ( The Fair Credit Reporting Act ) please immediately send me copies of the following within 30 days : Thank you for your assistance and I look forward to receiving the information requested above at your earliest convenience. 
Sincerely,
Product: Student loan

I had monthly automatic payments set up of {$1200.00} through Navient. I did this as I was in a loan repayment program in which I had to sign a contract for, every quarter I would receive {$5000.00}, so I took that amount and divided it by 4 so I could spread that payment out of the quarter we were in so I would be paying on the loan appropriately. XX/XX/XXXX a large amount came out per the history report and then no payment unit XX/XX/XXXX was taken out. I searched and searched for answers ; I am not even able to log back into my old Navient account to see any history details as they are all gone. I can log into my new servicer XXXX but it's just as poor of a history. From what I have read on other forums online as this has happened to other people as well, was they took that lump sum that was supposed to be taking out monthly and only pay the minimum monthly payment and then carried that money over to the next month and continue to pay the minimum until that large lump sum ran out. They did NOT take out the monthly amount I had set up for automatic payment to favor them by extending my loan and causing me in turn to pay more. This is completely wrong, its unethical, it's how these companies maybe billions and I have been paying my loans off for 15+ years. I am sure there is some clause in small print that states I had to manually do an extra payment per month, but they have misled me and so many other people. I was also placed in a forbearance that I did not ask for or was even notified about. Until I realized my payment wasn't coming out, I called and asked, and they said it was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) so they automatically place me in it. I am trying to qualify for Public Loan Forgiveness but when they constant mess with your account and you do not know it, it is very difficult to achieve even though I have been paying these loans off for years. As stated, before I can no longer log into my Navient account to even look at my history. I have been cheated by the system and mislead and in the end my debt is still there. I am also now in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and now must justify why things went wrong. When I should be able to trust when I set up an automatic monthly payment, I should have that amount remove monthly. I should not have to watch this, I do not have time, I am a XXXX XXXX XXXX XXXX XXXX. Students who were allowed to take out a loan at the age of XXXX is just beyond me, we had no guidance from anyone, we were misled and misinformed. But we continue to let companies like Navient, XXXX ruin people 's lives daily.
Product: Credit reporting 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.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 contacted Equifax 3 times in last year, XX/XX/2019 being last date I sent letter. I received no response. I have ask for proof of debt on account number XXXX as of today I have no idea what the out come of their investigation. I believe this debt is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has posted a collection against my credit reports where the credit card was originally with XXXX XXXXXXXX XXXX. This account was a charge of well over 7-years ago. Yet XXXX XXXX XXXX obtained the information pertaining to this account from a debt pooling subsidiary. The collection should never have been reported on any of my credit bureaus, and the original account is not even posted on my credit reports due to the 7-year rule application of the Fair Credit Reporting Act. XXXX XXXX XXXX in in direct violation of their subscriber agreement with the credit reporting agencies, and should be sanctioned for these aggressive and illegal collection practices. The account must be deleted permanently and the account information purged immediately.
Product: Debt collection

I received a debt collection letter from XXXX XXXX XXXX XXXX XXXX, XXXX. saying they 're collecting a debt for {$160.00} that was acquired by XXXX XXXX XXXX. The letter also mentioned XXXX XXXX as XXXX. I have n't been in XXXX XXXX for more than 15 years but I called and made sure I did n't have any open accounts with them. I also replied to XXXX XXXX XXXX XXXX XXXX that the debt is unfounded and they replied back that the account has been closed. 

Today I received another debt collection letter from Common Wealth Financial Systems saying they 're collecting a debt for {$150.00} that was acquired by XXXX XXXX XXXX. 

It seems that XXXX XXXX XXXX. is selling bad/unfounded debts to debt collectors.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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: Debt collection

They call me 5-6 times a day asking for an address to send legal paperwork to. Then they tell me that they can only discuss what the paperwork is about and update my information if I provide them with the last XXXX of my social security number. They said they have the entire number in front of them but federal law requires that I verify my identity by telling then the last XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I submitted a certified written dispute. The reason for my dispute was a chapter XXXX dismissed bankruptcy reporting on my credit file. I firmly believe this is inaccurate information reporting or a system error and ; was not appropriately validated under the Fair Credit Reporting Agency " Privacy Law. '' Experian claims they validate this information through Bankruptcy Courts / Public records and or third party XXXX. I found XXXX 's claim to be untrue, false, and misleading. Per XXXX XXXX ( XXXX  ) ( XXXX ) states : If the credit bureau can not validate the information with the original creditor/ source, they must remove the information /data from the consumer credit file. The bankruptcy court mailed me a letter that emphatically stated that they do not provide any information to the credit reporting agencies, nor do they validate or confirm public records. The US Courts system never validates public records information due to the Fair Credit Reporting Agency Privacy LAW.

I also contacted the third party " XXXX '' about the Bankruptcy information. Experian claims they have to receive this information ; I was informed that my XXXX file has a security freeze. How could Experian get this information/data if my file has a security freeze? I have a letter from XXXX stating XXXX may not release my reports or scores derived for those use cases. That letter is attached to this complaint. 

I'm challenging this issue through the CFPB to correct this issue and conduct a reasonable investigation to make your Company follow the law guidelines. 

If you refuse to fix this inaccurate information or remove the data from my credit file, you will be inviolated with the Fair Credit Reporting Act. I will open up a XXXX in Federal Court ; I will open up a complaint with the XXXX  ; I have supporting documentation to support my XXXX and complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a collection account I demand these account be removed because they are importing in accurately across all XXXX bureaus please remove all accounts that are not METRO 2 COMPLIANCE