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

XX/XX/2024 According to the Fair Credit Reporting Act 15 USC 1681 section 602 it 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. " You are a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' the Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to YOU, whether it be verbal, non-verbal, written, implied or otherwise is revoked. These accounts ; XXXX XXXX XXXX XXXX  {$870.00} ; XXXX XXXX {$1900.00} ; XXXX XXXX {$450.00} ; XXXX XXXX XXXX  {$580.00} ; XXXX XXXX - {$14000.00} Inquiries - XXXX XXXX {$0.00} XXXX XXXX {$0.00} are an adverse item they are reporting again without my permission which 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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. c YOU 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. Please remove these ; XXXX XXXX XXXX - {$870.00} ; XXXX XXXX {$1900.00} ; XXXX XXXX {$450.00} ; XXXX XXXX XXXX {$580.00} ; XXXX XXXX XXXX {$14000.00} Inquiries - XXXX XXXX {$0.00} XXXX XXXX {$0.00} items from credit report and mail an updated copy of report free of charge : in good faith
Product: Credit reporting or other personal consumer reports

So I would like to have a complaint for many credit inquiries by car dealerships and other institutions, where I did not authorized ran my credit and now all of that is affecting my entire credit report because there are around 33 inquiries. I went to a couple dealerships where they HAVENT REQUEST MY AUTHORITY to run my credit and now its bad because of that. I would like to have a help with this since I have a home buy goal and this inquirys are stoping me to achieve it. Please help me out
Product: Debt collection

Over a 3 month period I contacted PlusFlour IncXXXX about a XXXX XXXX XXXX I received. Within the 30 days of the notice i contacted the company asking them to verify that this debt belong to me. The company sent me a letter twice stating the amount of the debt. I asked for a Copy of original contract with signature, name and address of original creditor, proof of collections authorization, purchase debt agreement. None of this information was given to me upon request. Due to this the company can not collect any debt from someone if the information cant be verified or proven that this belongs to me.
Product: Credit reporting or other personal consumer reports

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

Hi my name is XXXX XXXX XXXX writing regarding identity theft that occurred.I was recently checking my credit and found account that don't belong to me.I tried to fix information with credit bureaus and some creditors.I found out that some creditors have incorrect information.Fraudsters used my previous address and apply for cards and I sent them proof ( rental agreement ) that from X Day to X day I was living in this address.
Product: Checking or savings account

my bank has barred me from my online account, they had a web redesign and after that we were to reset our passwords, and receive a call or text with a 4 digit number to confirm our identity, well they never sent the number after numerous months of trying i called to complain and seek entry by administrative process, well guess what they don't do that it's an automated system and i have no redress! they call me on my XXXX using an XXXX number and ask me personally if i can receive XXXX numbers on XXXX! i have used XXXX   exclusively for the last 9 years and have always had access to this banking information, phone banking and the online web banking, now they act like they can't help me in any way, when they call me for information they are cross and rude claiming it's all my fault, they wont let me have a 4 digit number to get in nor can they let me in
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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: Debt collection

I have received a letter from the First National Collection Bureau. They have sent this letter for a company named XXXX concerning a debt that was on my credit report in the past and charged off on XXXX/XXXX/2007 according to this letter form First National Collection Bureau. With that being the case any statutes of limitation has run it 's course. 
XXXX XXXX has received letter 's in the past from my attorney to cease collection efforts and they agreed with letter to my attorney. Now they are using this other company to collect an uncollectible debt. XXXX XXXX is well aware of this and this is an illegal attempt to collect an uncollectible debt. This is an attempt at scamming me, If I was not aware of the law, I would not know what to do. This company, First National Collection Bureau does not preform it 's due diligence before it sends out it 's notices. If they had they would see that this is uncollectible yet they try to scam people on a regular basis. I know several people that have had this company try to collect uncollectable debts. They even offer a " convenient '' repayment plan for those that are unaware of the law. 
This to me seems to be in violation of the fair credit reporting act, violation of the Fair Debt collection Practices Act and is probably in violation of Oregon state law as well.
Product: Debt collection

This company has been reporting a false debt on my credit since XXXX
Product: Mortgage

I hired a title company call XXXX XXXX last year. The owner name is XXXX XXXX. The buyers title company was XXXX XXXX XXXXXXXX XXXX. they wired the money to the mortgage company which is Chase Bank. However, the routing number was right but the account number was wrong. The wired transfer was intercepted and the bank never received their money. This has affected my credit report and the back is trying to foreclosed on a house that does not belong to me anymore. My lawyer and I made several attempt to rectify the matter but they have not done anything. I am looking to see if anyone can help me with this matter
Product: Debt collection

The amount is XXXX. XX/XX/2024 Looking for me to this amount from another collection that CFPB had remove from credit file. This account was purchased from another collection company.
Product: Mortgage

Dear CFPB, I am writing to express my extreme frustration and anger regarding Loan Depot, my mortgage company 's recent 3rd denial of my loan modification application. The basis of denying is entirely false and unjust, and I urge the Consumer Financial Protection Bureau to intervene and address this matter immediately. 

Despite my repeated efforts to confirm the submission of all required documents, Loan Depot has erroneously claimed that I failed to provide the necessary paperwork. I have communicated with them multiple times to ensure they received all the requested documentation. When they asked for two months of bank statements showing rental income, I explained that an outside management company with numerous other clients manages the rental income. Consequently, I can not obtain the bank statements directly. Instead, I provided the rental agreement and an official document from the management firm confirming the monthly rental payments and the tenants ' up-to-date payment status. Loan Depot initially confirmed that this was sufficient ; when I asked, I wanted in writing that they accepted all documents and that no further action was needed from my end ; they refused to do so but stated that the conversation was recorded and assured me there was no need for written confirmation. 

However, to my dismay, Loan Depot has denied my application for the 3rd time. Despite my persistent attempts to reach them and request access to the recorded conversation verifying the receipt of all necessary documents, I have been unable to speak with anyone who can assist me. This lack of communication and the apparent refusal to work with their clients has left me in extreme distress, especially considering that my home is now at risk of foreclosure due to Loan Depot 's actions. 

I implore the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that Loan Depot upholds fair and just practices in its dealings with clients. The impending foreclosure of my home due to Loan Depot 's actions has put me in a state of urgent need. I sincerely hope the Bureau will take swift and decisive action to rectify this situation. 

Thank you for your attention to this matter. I eagerly await your prompt intervention and assistance in resolving this pressing issue. 

Sincerely, XXXX XXXX
Product: Student loan

I talked with multiple ed financial representatives on the phone regarding this request : To retroactively change the status of my loans from XX/XX/XXXX to present from in-school deferment to COVID forbearance I was in school during the period that all graduates were supposed to receive covid forbearance and it would beneficial to me to replace in school deferment with retroactive covid forbearance per ur payment plan. 

Multiple classmates have had this done with the loan servicers. However, Edfinancial refused to allow this and stated that this was not possible, even though it legal and possible. 

I called on different occassions but the day i called especially 5 times was on XXXX XXXX XXXX They included notes on my chart notifying representatives especially not to help me with my request.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : 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 a a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at NXXXX XXXX XXXX on XX/XX/XXXX with a balance of {$2100.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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 items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are 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 accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Term : Revieve {$320.00} bonus when you open a new checking account and direct deposit {$1000.00} within 90 days XX/XX/XXXX Account was opened XX/XX/XXXX Terms were met XX/XX/XXXX I went in branch in XXXX, CT we hear the bankers would tell me my bonus would be deposited by closing of my statement. 

XXXX closed, no bonus deposited On XX/XX/XXXX I attempted to contact Wells Fargo again. The phone representative gave me a code to redeem my bonus in branch for cash. The agent had no clue what they were talking about, Wells Fargo only direct deposit its bonuses into your account. 


I am now writing this complaint to get the bonus deposited into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was flagged on XXXX XXXX that I tried opening an XXXX card through XXXX. I had not done this. So I immediately called XXXX and explained the situation. They said it was denied and they would send it to their fraud department. My next error was thinking that maybe someone transposed a couple numbers and I shrugged it off. After all they said they would send it to their fraud Dept. On XX/XX/XXXX the same thing happened. So I again immediately called XXXX. They told me the same things as the first time. I said why is the first hard inquiry still on my credit. I was told it could take 90 days for it to be removed and they had sent the first request to the credit bureaus. So my next step was contacting TransUnion. They told me that it does not take 90 days, that it would only take 5 or 6 days once the request was received, however they had never gotten a request. Now at this point I was steaming. The gentleman at TransUnion told me to call back XXXX and ask them to send me a letter requesting it be removed. He gave me a fax where I could send it to have the hard inquiries removed. I called XXXX and demanded they send the letter to me. After some hemming and hawing the woman agreed. Said I would get it within 7 days. What I got was " NOT '' the request to remove it. So I again called XXXX and told them I wanted the letter that they said they would normally send to the credit bureaus sent to me. She did n't want to do this, so I got very abrupt and told her I demanded they do this because it was bringing my credit scores down. She finally agreed and said I would get it within 7 days. It 's now been two and a half weeks and no letter has come. I am so angry because my TransUnion score just went down again because now the second hard inquiry is there. Please someone help me with this. I have put a freeze on all three credit bureaus but I should not have to deal with this nonsense. XXXX is in no way concerned about this and it 's fraud.
Product: Credit reporting or other personal consumer reports

The credit bureaus have failed to follow the FCRA laws as defined under 22 U.S.C. 7102 ( 11 ), or XXXX XXXX, as defined under 22 U.S.C. 7102 ( 12 ), per the qualifications for blocking adverse credit information according to 12 C.F.R. 1022.142 ( see attached rule ). Because of their actions not taking place in the allotted amount of time, I am suffering. Please investigate these bureaus. They acknowledge receiving the complaints but fail to block the information without any reasonable cause. They had 5 business days to request any additional information and they have not complied. The date stamped on my previous CFPB complaint indicated they acknowledged receipt of my complaint on XX/XX/2024. Today is XX/XX/2024 and they have not responded which is a violation.
Product: Credit card or prepaid card

I am an elderly and XXXX citizen. I inquired about a medical bed on XX/XX/2019 with XXXX XXXX XXXX XXXX, XXXX Ohio XXXX a order was taken and placed on the Discover card the agreement was to deliver the bed within 10days. Due to medical conditions, 10 days passed and I inquired about the purchase on XXXX XXXX. The bed was not shipped and I canceled the order started another search for a bed. As of XXXX XXXX the bed " NEVER '' arrived and my Discover card was charged. I submitted several disputes and Discover refuses to reverse the charge. I pulled the tracking of the bed and it showed the bed was never delivered to my home just a in route status as of XXXX XXXX. The courier listed on the tracking number said the bed was delivered to another location not my home address. I am now being charged for an item that I didn't receive and I canceled the order on XX/XX/XXXX. Discover has turned me in to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - Account # XXXX Balance : {$180.00} In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX- Account # XXXX Balance : {$140.00} In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX Account # XXXX Balance : {$140.00} In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX Account # XXXX Balance : {$1900.00} In accordance with the Fair Credit Reporting act 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 XXXX XXXX  XXXX Account # XXXX Balance : {$100.00} In accordance with the Fair Credit Reporting act 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 XXXXXXXX XXXX XXXXXXXX Account # XXXX Balance : {$150.00} In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX. Account # XXXX Balance : {$1700.00} In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXXXXXX Account # XXXX Balance : {$370.00} In accordance with the Fair Credit Reporting act 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