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

I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 - my credit score dropped 115 points because FedLoan inadvertently reported me 90 days late due to a mistake on their part. At least two or three FedLoan agents assured me that they had not reported me late. I disputed the late payments with the major credit agencies ( wasting my time since FedLoan was in the wrong ). Finally speak to an account specialist in late XXXX who discovers what went wrong at FedLoan. The account specialist stated he would escalate it. Fedloan sent me requests on how to mail my info via USPS to resolve the issue instead of taking responsibility for their mistake. XX/XX/2020 - my credit score jumped back up about 70 points and their only course of action is to say " sorry '' and to " check my credit and hope that it goes back to normal ''. Absolutely unacceptable, incompetent, negligence.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Hello, I trust this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding my consumer file. Pursuant to 15 U.S. Code 1681c-2, a consumer agency is required to block the reporting of any information identified by the consumer as resulting from alleged identity theft within four business days of receipt. Regrettably, it has been over 30 days since I reported this issue to you, and I am concerned that your agency is in violation of this law. 
I have been a victim of identity theft, and I am requesting the immediate removal of the following items from my consumer report : Please see attached Identity theft Report. 
These accounts should not be furnished on my consumer report, as their presence is in violation of 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ), any consumer reporting agency may furnish a consumer report under the consumer to whom it relates. I want to emphasize that I never provided written consent to any consumer reporting agency to report information on my consumer report, which constitutes a violation of my rights as a federally protected consumer. No consent is identity theft. 
As a consumer, I am demanding the immediate deletion of the accounts listed in my attached Identity Theft Report. I expect your agency to take prompt action to rectify this situation in accordance with the law. I have attached documentation supporting my claim for your reference. 
Thank you for your understanding and cooperation in this matter. I look forward to a timely resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting

Equifax Refuses to remove negative items and inquiries from Credit Report even though companies are unable to validate debts via signed contracts. Credit score incorrect. XXXX XXXX, XXXX XXXX XXXX has placed invalidated information on the credit file via 3rd Party Collection Agencies which have failed to validate these debts. They are unable to provide a contract signed by me to validate the debt. Inquiries disputed but have yet to be removed. It 's past 30 days. Company not compliant with FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report which showed accounts and inquiries that I did not authorize. I understand you should not be allowed to put an account or inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following accounts inquiries removed from my credit file at once because I did not authorize them, and they are fraudulent. ( List Unauthorized Information ) : Fraudulent Accounts : XXXX XXXX XXXX : ACC NO : XXXX Date Opened : XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX GA : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Also, be advised the Fair Credit Reporting Act states that any information that is kept on an individuals credit report must be correct. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this letter, I am prepared to file a lawsuit in small claims court. Also, be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. I have sent this letter because I need your prompt response to this issue and I need written correspondence as evidence your company is acting upon my request. Sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX a notice/XX/XX/XXXX was sent to stated company upon proof of claim/validation not verification, was sent to office of the president/risk management in addressing the ceo /cfo and its representatives. In where they were requested to provide me with competent evidence that i had a legal obligation to pay them. 
On XX/XX/2020. A Notive of Fault and Opportunity to Cure and Contest Acceptance was sent to stated company, no response. 
On XX/XX/XXXX. A notice of default and res judicata/ Amended /revised & AFFIDAVIT OR CERTIFICATE OF NON RESPONSE AND FAILURE TO CONTEST Acceptance and Agreement was sent to stated company along with a list of stated violations pursuant to the Fair Debt Collection Practices Act. No response was sent to stated address in Intital notice on XXXX XXXX. 
Since the beginning until present day, the stated company has not followed the Fdcpa laws and continously to mark negative items to my report. Ruining my reputation and causing defamation of character.
Product: Mortgage

On XX/XX/XXXX I filed complaint # XXXX. I received no notification from the CFPB that KeyBank responded. Key Bank did send me a letter in which they claim that because the issues I brought up are part of the litigation, Key Bank is not obligated to respond to them. 

Two of the points I brought up are definitely not part of the litigation. 

1 ) Key Bank is unilaterally assessing fees before determination in state court as to whether they are entitled to these fees and in what amounts. This is not a part of the litigation, but a regulatory matter, and the CFPB should look into this. 

2 ) Key Bank did not respond to why the owner 's digitally photographing the property to satisfy any requirement for inspection under XXXX XXXX is, to use one of its representatives claims, " unacceptable. '' Atthough what fees that are to be allowed by the state court for these inspections would be included in the litigation, the question of why future inspections can not be done as I suggested is not part of the litigation but is a regulatory matter. The CFPB should look into this practice and demand an explanation as to why what I suggested is, " unacceptable. '' 3 ) Mr. XXXX XXXX misrepresentation of XXXX to the New York State court in its summary judgment motion that the publication date to your guidance document published in XXXX or late XXXX that included a discussion of the CFPB 's successor-in-interest regulations are, laughably, the date these regulations went into effect. Of course, we will be addressing this point in the litigation, but that is not relevant to the fact that CEO XXXX XXXX and Senior Vice President XXXX XXXX XXXX informed of this misrepresentation last month and have done nothing to correct it. That is, Key Bank corporate knew of Mr. XXXX XXXX misrepresentation in a case in which Mr. XXXX has requested summary judgment in a foreclosure action and chose to take no action to correct the tmisrepresentattion in the state court. I will attach a screenshot of the email, but the CFPB should look into this also.. In my opinion, it is not acceptable for a party to knowingly misrepresent the effective date of regulations which it violated. 

4 ). Key Bank 's failure to appoint a point of contact for the loan workout under its " continuity of contact '' obligation is a regulatory obligation independent of the facts of the litigation. The CFPB should look into this failure also, to make sure that Key Bank does not do this with other customers in pre-foreclosure. 

New Matter : I have played phone tag since XX/XX/XXXX with XXXX, the representative with whom Key Bank said I need to discuss the matter that as someone who has filed a Successor-in-Intrerest form, corroborated by XXXX in the Real Estate Operations department on XX/XX/XXXX, I am entitled to all future account statements. I spoke with her XX/XX/XXXX in the late afternoon, where she represented that Key Bank had no such obligation. Since Key Bank has received my successor-in-interest form ( I am a beneficiary of the estate. ), this is also a regulatory matter independent of the litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX, XXXX  and Equifax to let them now that they continue to report inaccurate information on my Credit Report and they refuse to update the information. I called the collection XXXX XXXX XXXX XXXX who stated that the information they reported was inaccurate information and the will remove the inaccurate information immediately through e-oscar. They gave me a AUD # (  XXXX ) but XXXX, XXXX  and Equifax still refuse to update the information. XXXX, XXXX  and Equifax has failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at XXXX, XXXX and Equifax infliction of emotional distress and at the other diminishes of the quality of my life. I am now demanding the immediate and complete removal of this trade line from my credit reports ( Equifax, XXXX, and XXXX XXXX ). As I am currently attempting to apply for a place to live, and time is of the essence. Please understand that I am extremely concerned about the consequences of the actions XXXX, XXXX  and Equifax is having on my life. Please be advised that, if this matter is not resolved by immediately, I will take any and all necessary steps to protect my rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX po box XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing to you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1.My Full Legal name : XXXX XXXX 2.My Address : XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do 1 have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX, AL XXXX Sincerely XXXX XXXX
Product: Checking or savings account

There're discrepancies between what the merchant charged and what the bank charged.

I have attached three files, one for what AFCU charged, one for what the merchant Charged, and one my comparison table showing AFCU overcharged every transaction by 1 %, and nobody at AFCU can explain to me what that 1 % fee is for. There should be no fees because I used a debit card that is tied to my checking account at AFCU.
Product: Vehicle loan or lease

Regional Acc XX/XX/2020. Coaf XX/XX/2020 I have no idea what amount they tried running. I did not give XXXX XXXX to permission to run my credit. I was just thinking about buying a vehicle never once gave permission
Product: Bank account or service

Bank issued counterfeit bills and refuses to thoroughly investigate the issue to prevent reoccurrences and make the claimant whole again. The bank in question is the BB & T bank in XXXX, Virginia.
Product: Credit reporting or other personal consumer reports

XXXX failed to ensure the accuracy of tenant screening reports and lied to consumer about placing or removing a security freezes on my credit report. i am a victim of XXXX, Experian XXXX XXXX illegal practices,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific account in my document coming about because of the wrongdoing. The account I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$16000.00}
Product: Vehicle loan or lease

I had a loan through JP Morgan Chase Bank NA. My loan was paid off XX/XX/2020. I received a lien release letter on XX/XX/XXXX but I did not receive my title. I called JP Morgan Chase Bank and they said they do not send out titles. I sent in my lien release letter to the State of Texas. The title came back with the lien still on my vehicle. JP Morgan Chase Bank has refused to help. What is my next step?
Product: Debt collection

Response to your 3rd Party Collector Letter of Threat by Mail. 
The indictable offense of using the mails for the transmission of threatening matter. XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX : XXXX XXXX XXXX XXXX XXXXDear 3rd Party Collector, As I have NO Contract with you, you have threatened me by mail and if you proceed any further I will see you in court under charges of Mail Frauds and Threats. As of today I have presented a Credit Set-off Settlement to the " XXXX '' for the full billing amount, along with an IRS XXXX in full compliance with the XXXX Laws XX/XX/XXXX. They have 3 days to comply. 
If they should decide not to settle this matter I shall see them ; not you in court. For the fore mentioned charge of Mail Frauds. 
Thank you for your timeHonorably, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company put incomplete information on my credit report XXXX Inquiry from XX/XX/2019 Miscellaneous Institution Information No contact information has been reported by this creditor. 
I never applied for a XXXX card, and it is no address or phone number to contact the company so it can be removed. 
I have paid all of my bills on time for the last 12 years but that does not reflect my credit score, Equifax score XXXX XXXX XXXX XXXX XXXX It is something wrong with this picture, My credit information has been breached under Equifax but have not make good on it, and my information is being hacked but they have not done one thing about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letters, personal documents were sent. As requested. By, a Credit Bureau never. 

Got an answer. Then after talking, to a person at. Credit bureau, said a photo copy of. Drivers license was never delivered. 

After, dispute was completed. Done. On the, phone.
Product: Mortgage

Like many Americans, I have been getting up to a dozen robocalls a day offering everything from new windows to mortgage loans.
Today I got a call on my cell phone number from a XXXX area code, but it was someone who was clearly from overseas, offering to put me in touch with someone to talk about getting a mortgage loan.
Within 60 seconds of hanging up, I got calls from at least half a dozen callers, presumably mortgage companies. One of them was Quicken Loans. They claimed that I had generated the lead by filling in an online request. This was not true.
I asked to be transferred to the compliance department and spoke with XXXX XXXX ( direct dial : XXXX ).
He said he would take my name off the Quicken Loans list. I asked him why Quicken Loans is buying leads from such a company and he did not know. Companies like Quicken Loans are enabling these kinds of robocalls that are plaguing Americans throughout the day. XXXX XXXX XXXX
Product: Debt collection

The company refuses to enter the account into an active forecloser status and continues to purposely damage my credit. XXXX XXXX personnel informed me time and again that I fall under the SCRA. Two things, I never provided a contract or XXXX informing them of my relation to the military. Two I waived my rights to SCRA no less than three different times. I will attach supporting documents to support my claims. Attached : XX/XX/XXXX - Email requesting foreclosure ( memo with original deed-in-lue paperwork from Bank of America ) XX/XX/XXXX - Email requesting foreclosure ( memo to lawyer ) XX/XX/XXXX- Email requesting foreclosure ( memo ) XX/XX/XXXX - Email requesting foreclosure ( memo ) XX/XX/XXXX - Returned Forms to waive SCRA via FAX. I believe XXXX XXXX is purposely losing documents and shuffling their feet. I am not sure to what end, but I 'm positive this is intentional.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer. I am now opting out any and all authorization. I the consumer may have given you ; written, unwritten, verbal and nonverbal per 15 U.S.C. 6802 I have recently received a copy of my consumer reports and noticed that your company has disclosed nonpublic personal information to multiple nonaffiliated third parties such as the CRA 's. You have furnished my personal account information Account name XXXX XXXX  Account number XXXX to the consumer reporting agencies without considering disclosing to me first whether I wanted to have my account information shared or not. According to the XXXX XXXX XXXX XXXX, Financial institutions are permitted to disclose to a consumer in writing or electronic form, that such information ( MY PRIVACY ) may be disclosed to such third parties ( CRA 'S ). After carefully reviewing our contract agreement I notice I have not received or signed any disclosure stating that I give your company permission to furnish my nonpublic personal information. See 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) 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 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 such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit card

I have a US Bank secured credit card with a {$1000.00} credit limit. That is the amount of the deposit I made with US Bank to get the card. While I have had credit issues in the past because of the economic collapse I have recovered from those issues. I have not had a delinquent payment for over 5 years now. All the issues on my credit report are old. 
When I took out the secured card I understood that I could add money to my account at anytime thereby increasing my credit limit. 
Recently I decided to add funds to that account, I contacted US Bank and was told that I could not add funds to that account to increase the credit limit until the account had been open for 6 months. That in order to make that deposit I would have to send a cashiers check, along with information regarding my annual salary and my request would be subject to a them pulling a credit report ( causing an inquiry and affecting my credit score ). I was not informed that I could not increase the credit limit by making a deposit to my account for 6 months or that a deposit to my secured account causing an increase in my credit limit was subject to approval of my credit report and income. 
This is a secured account, there is no risk to US Bank, if I do n't pay the card they have the account to collect from. My increasing the deposit to the account does not increase their risk in any way. 
Makes no sense why I would need to wait 6 months or why I would need a new credit and income check
Product: Mortgage

I received a predatory loan in 2005. Wells Fargo took over the predatory loan and tried to foreclose on my property. There were two loans issued a first and a second. With the help of the Attorney Generals office several years ago I was able to save my home and rewrite my first mortgage with Wells Fargo. Wells Fargo was to discharge the second mortgage as I was given a XXXX modification. They did not discharge that second mortgage and sold that predatory second mortgage off. As a result of this many companies have bought the second mortgage and now the last company that has obtained this second mortgage is for closing on my home. I believe Wells Fargo was to discharge this loan not to sell it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted both Equifax and XXXX regarding an account that has been closed since XX/XX/XXXX but is still showing as open. When contacting these agencies, I received conflicting responses regarding the account. The account has been closed per XXXX XXXX since XXXX. It is a XXXX XXXX XXXX account with a credit limit of {$2000.00}, opened by my wife, XXXX XXXX XXXX for which I am an authorized user. I was told that there is activity in XXXX, which is impossible, as we no longer shop at XXXX XXXX XXXX, etc. 
There is a {$0.00} balance on the account since XX/XX/XXXX. The account is not show open under her credit file. 

Please assist is having the account marked closed. 

XXXX XXXX XXXX