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

I appreciate it that a lot of fraudulent items were removed. However checking my updated credit reports that I purchased through XXXX, I found that there were new unknown items that appeared in my credit reports, I saw that there were still a couple few items that I previously disputed that still needed to be removed in my credit reports. To hasten the process of removing these items, I listed them per bureau for you : XXXXEXPERIAN 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
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 ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy. 

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 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

in accordance with the fair Crest Fosporing act XXXX  Alcourt my rights 15 US C 1681 section 802 A. States I have the right lo privacy.

15 US. C 1881 Section 804 A Section 2 : 2 also states a consumer reportng agone ) can not fumish a account witout my writen instructions 1. XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Account type Collection 2. XXXX XXXX XXXX  Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Charge Card 3. XXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan 4. XXXX XXXX  XXXX Account XXXX XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan
Product: Credit reporting or other personal consumer reports

I am the agent XXXX, XXXX : for the Principal XXXX XXXX making an attempt to opt of reporting services for the XXXX XXXX Account Number ending in XXXX with Equifax. The Fair Credit Reporting Act or 15 USC 1681 section 602 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. Equifax is a consumer reporting agency and I am the consumer, a natural person. As the consumer, I have the right to ensure my private information is not shared pursuant to 15 USC 6801. 15 USC 6801 states that It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers nonpublic personal information. In this case, XXXX XXXX XXXX XXXX is a financial institution by definition in accordance with 15 USC 6801.

15 USC 1681 section 604 ( a ) section 2 references In general Subject to section ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX who is the financial institution and the consumer reporting agency reporting on this account ( Equifax ) DOES NOT have my consent to furnish this information or my written consent. Any and all consent to Equifax and XXXX XXXX XXXX XXXX whether verbal, non-verbal, written, or implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose non public financial information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX XXXX XXXX XXXX has never informed me or notified me of my right to exercise my non disclosure option.

Additionally, 15 USC 1681C ( a ) ( 5 ) states 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is in fact an adverse item they are reporting without my permission which is against the law. 15 USC 1681s-2 ( A ) ( 1 ) states that 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 information is inaccurate. Furthermore, 15 USC 1681 ( e ) states that Every customer 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. Finally, 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX  {$250.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$440.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  {$1700.00} XX/XX/XXXXXXXX XXXX XXXX {$1700.00} XX/XX/XXXX
Product: Student loan

Although I am behind on payments for my load, I have been trying to contact Navient/XXXX XXXX to make arrangements. My School that the loan is for is XXXX University in XXXX, NJ. Navient is calling my family members ( uncles, aunts, cousins, siblings, even non blood related ) relentlessly. My mother who is my co signer has XXXX and is on XXXX XXXX. She is also being harassed. I have tried contacting them and am told that my account rep is not in and I have to call back. I have also faxed over forms to try and get my payments reduced. The calls to my family members need to stop.
Product: Mortgage

I submitted my request to remove PMI in XXXX XXXX. I then emailed them on XX/XX/XXXX and I have yet to receive a single voluntary update from NewRez on the status of my PMI cancellation. There have been no letters or emails received to-date regarding the status of the cancellation ( beyond that they are working on my request ) and each update that I have received has only be at the behest of my calls or online chats with Newrez team members. During XXXX online chat, XXXX team member told me that they had not received my request and then I shared with them that my check for {$150.00} had been deposited for several weeks. At this point, they did acknowledge that they did in fact have my request and would be scheduling an appraisal of the property. The appraisal took another XXXX weeks beyond my check being deposited to get scheduled, which is excessive. 

Beyond the lack of communication on the part of Newrez, there has been what appears to me, as many instances of delay tactics and intentional maneuvers to layer communication to avoid accountability to addressing my needs as a consumer. No one appears to be able to answer direct questions as to why this process has taken so long, several people to have looked into the situation during each conversation just to provide an update and any time I request copies of my paperwork ( like the application, appraisal, cancellation policy, etc ), Im met with responses like that document doesnt appear to be uploaded yet or I dont seem to have access to that or youll have to include that request in writing to me. These all appear to be unethical delay tactics to continue collecting unnecessary fees from me and my family. This level of service is unacceptable and should not be acceptable to leaders of this company if they care about customer satisfaction of which this does not appear to be of concern. 

I emailed NewRez of this issue ( on XX/XX/XXXX ) and requested the appraisal that they completed and also requested a copy of the PMI policy, but have only received an email response back stating that they had received my email. I sent the email to XXXX XXXX ( NewRez Servicing Team Leader ) & XXXX XXXX ( NewRez Head of Servicing ) - of which I have received no direct contact from, again beyond the note that they have received my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I have not received any investigation results.
Product: Consumer Loan

I was behind on my loan and BMW contacted me and said that I needed to make a payment through XXXX XXXX or my car was at risk of repossession. Their employee XXXX XXXX specifically said that once I made the payment through XXXX XXXX that they would not take any further collection activity. I made the payment as requested through XXXX payments using XXXX XXXX on XXXX XXXX and XXXX XXXX and provided my account number to XXXX XXXX using Urgent Delivery in a service that is advertised as the receiving party getting the money in minutes. On XXXX XXXX BMW repossessed my car in complete contradiction of what their collections agent told me. I have requested a detailed account history from them through certified mail and through their secure e-mail service and through their call center and they will not provide the information I am requesting. The forms they sent me during the repossession did not include the information that was required by law and the amounts listed did n't match information on statements. The frequently changed the terms giving me 20 days or 14 days to pay the balance in full or make arrangements. Their agents frequently hang up on you when you try to ask questions and they claim they are not allowed to call you back because they only accept inbound calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Heads up : A lender reported that you opened a new account with them. 

Visit the Alerts section of XXXX from XXXX XXXX to review a recent change in your TransUnion credit report. To protect your privacy, we arent including any confidential details here. 
Sign in soonstaying on top of your credit can help you defend yourself against potential fraud or identity theft.
Product: Payday loan, title loan, or personal loan

Regions Bank will not allow me to close a Regions Preferred LOC account with an annual fee unless I appear in person at a location XXXX miles from where I live. I opened the account while stationed at XXXX XXXX, LA at the XXXX XXXX XXXX, XXXX XXXX, LA location.  I was required to move for work to the XXXX NM area in XX/XX/XXXX. I did not close the accounts then, as my home was not yet sold and the home loan was through Regions Bank. After the home was sold in XX/XX/XXXX, I requested all my accounts to be closed. After some back and forth in the online message center, I received assurances that all accounts would be closed. I stopped receiving statements in XX/XX/XXXX, so presumed this was successful. 

In XX/XX/XXXX, I received a notice in my email saying I had a statement from Regions. Admittedly, I did not review the statement as my understanding was that all accounts were closed. However, this was a statement for an annual fee being assessed. In XX/XX/XXXX, I received a paper letter in the mail stating that a loan payment was not paid. I called Regions asking what loan I had with them. Regions notified me the LOC account was still open and that they have charged a {$50.00} fee, as well as a {$35.00} fee for not paying on time. Regions now claims I owe Regions {$85.00} as well as interest I presume. 

While the fees on an account that I wanted closed and had not received a statement on for over 7 months is egregious in and of itself, Regions insists they will not close the account unless I appear in person. No certified power of attorney is acceptable. No representative can attend in my stead. No modern legal vehicle will be accepted. I must take 2 days off work , drive 845 miles, stay in a hotel, go to the lobby of the bank I opened the account with, close the account, and drive 845 miles back. The only reasonable explanation I can come up with is that Regions Bank counts on clients just paying $ XXXXyr for the rest of their lives in order to avoid the likely {$1000.00} it will cost to travel to the lobby where they opened the account.
Product: Credit reporting or other personal consumer reports

Recently I reviewed a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate the item listed for me to ensure accuracy. Here is the item I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am on a fixed social security income and I had all five of my credit cards being automatically paid for by check through my primary account ending in XXXX. Due to fraudulent activity on that account over the course of a year there were many times that the bank would issue nsf fees and on my credit card payments, and not pay the credit card. But they would charge overdraft fees on unrelated to credit product payments. Its like they picked and choosed what to pay intentionally causing my credit cards to be not paid. The account was being bombarded with withdraws from unknow sources that caused me to close the account all together due to fraud. My point is that during the year of 2020 i was charged over XXXX in NSF fees and I only make XXXX. The fact that the bank would allow some transactions to go through and others not to seems odd. The bank stated that the fees were valid according to their account opening statement which I was unable to read because of the small print.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 To : CFPB/Dept. of Business Oversight From : XXXX XXXX RE : XXXX XXXX loans loan # XXXX CFPB, I woke up today to my credit monitoring indicating my score dropped 51 points due to my mortgage servicer XXXX transferring my loan and upon transfer showing I am 120 days late. I have been under forbearance with XXXX and all recorded phone calls have verified my credit report would not be impacted. They lie yet again. Documents dated XX/XX/2021 show my trial payment plan in which I have made all payments ON TIME. They decided in the middle of the trial plan to TRANSFER MY SERVICING TO XXXX XXXX- HOW THIS IS LEGAL IS BEYOND ME AS NOW THAT IS ENTIRELY IMPACTED AS WELL. XXXX XXXX DOES NOT HAVE THE CORRECT DATA TO MY LOAN. 

Payments were made to XXXX for XXXX and XXXX. They transferred my loan on XX/XX/XXXX and the last XXXX payment was made to XXXX XXXX. 

All three credit bureaus report now as of XX/XX/2021 that my mortgage is 120 days past due. How is this legal and acceptable based on being impacted by Covid when I have made payments on time and can easily prove that? Why do they get away with this? I was just going to try and refinance in a few months and now this will delay or not allow me as a consumer to get a refinance to lower rate. 

I have done all that XXXX has asked, made my payments on time, suffer through their transfer now and its continuing to hurt me as the consumer. I am blessed my wife is both a lender and has her XXXX XXXX as we find its no use to even call them to rectify, we have to report this to the CFPB to get corrected on ALL THREE BUREAUS. 

Please help us, XXXX XXXX
Product: Mortgage

Working to avoid foreclosure submitted application for a short sale. Received an offer and submitted it. The bank sent out an appraiser to inspect the property and the bank sent out a decision letter based on that appraisal. The decision letter was dated XX/XX/2020, but it was not received until XX/XX/2020. The decision letter stated that they needed to receive XXXX to make a deal on the property. Rejecting the previous offer. 
Then they put a sale date on my property of XX/XX/2020 and say that I can not present a buyer with a hirer offer because it is too close to the sale date. 
Also my 3rd party Broker and myself have requested a copy of the appraisal and we were denied. 
I believe that Wells fargo is acting in bad faith by denying me a copy of the appraisal. 
Also once they came up with a price for me to sell the property then they denied me the chance to sell it. I have ready willing and able cash buyers with no contingencies and Wells Fargo will not accept the application to review. 
I feel Wells Fargo is using my property as a cash register for their benefit. I believe that are in violation of the law CPLR 3408 whereas the bank must act in good faith to review not Just for a Loan Modification but also short sale alternatives. 
Wells Fargo is acting in bad faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 someone went online with a computer and applied for a credit card in my name ( fraud ) at XXXX XXXX XXXX  in Delaware. I got a notification from XXXX XXXX, which i am a member of and i then called the bank. They advised what had happened and i informed them that this was in fact not me ( fraudalent ) and they confirmed the above statement of an attempt of fraud. So they deleted the application process and deleted my information, out of their system. 

In the approval process, a XXXX XXXX was pulled against XXXX Credit Bureau. 

XXXX won't remove it from my XXXX XXXX unless they're told to by someone else other than me to remove it from the credit report. 

XXXX won't send XXXX anything as well as my information is no longer in their system to even attempt to send XXXX a notification to delete the inquiry as well. 

My attempt is to get that off my credit report as it remains for 2 years and without my approval to even be there.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transition are reporting fraudulent accounts and inquiries on my credit report.Here are the list of accounts and inquiries : Account : XXXX  XXXX XXXX XXXX XX/XX/2020 XXXX BANK XXXX XX/XX/2020 Inquiries 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 XXXXXXXX XXXX - AXXXX 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: Credit reporting or other personal consumer reports

I am writing to file a complaint against Experian for their failure to properly address my dispute regarding inaccurate items on my credit report. On XX/XX/year>, I mailed a dispute letter to Experian via XXXX certified mail, tracking number : XXXX. In this letter, I detailed all inaccurate items and incorrect personal information listed on my credit report. To aid in verifying my identity, I included a copy of my photo ID, social security card, and a recent bill with my current address. According to XXXX tracking, the letter was delivered to Experian on XX/XX/year>. Despite my detailed and clear request, I have not received any investigation results from Experian. It has now been more than 30 days since my submission, and no communication or resolution has been provided. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that Experian has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, as required by the FCRA.
Product: Credit reporting or other personal consumer reports

I am sending this complaint regarding incidents of fraud and a data breach that has affected me personally. I became aware that my personal information, such as Social Security number, bank account number, credit card information, etc., was exposed due to a security breach or fraudulent activity. I believe that, unauthorized transactions, identity theft, misuse of personal data, etc. As a result, I have experienced significant distress and financial harm.
Product: Credit card or prepaid card

In 2019, a check was sent on my behalf to amazon/synchrony bank . This check was cashed, but i was never given credit for payment. The debt was sold the following year.
Product: Credit card or prepaid card

I applied online at XXXX for the XXXX XXXX XXXX, provided through Synchrony Bank, on XX/XX/2018. 

XXXX did a credit pull inquiry on that day, and momentarily approved my card application. Here is the record of it on my XXXX XXXX XXXX credit monitoring report : Alert Type : New Inquiry Processed Date : XX/XX/2018 Inquirer 's Name : SYNCB/XXXX Phone : ( XXXX ) XXXX Type of Industry : Bank Address : XXXX XXXX XXXX, XXXX, FL XXXX This is all expected. 

Then, the following day XX/XX/XXXX18 I was notified of additional activity on my credit report, because Synchrony pulled my credit again for the same card and original application, with no consent from ( or contact of ) me in the meantime. Which thus caused a corresponding minor but non-zero decrease in my credit score. Here is that record : Alert Type : New Inquiry Processed Date : XX/XX/2018 Inquirer 's Name : SYNCHRONY Phone : ( XXXX ) XXXX Type of Industry : Bank Address : XXXX XXXX XXXX, XXXX, GA XXXX Given XXXXXXXX XXXX size and their ability to strongly market this product and incentivize customers to apply, this could easily be negatively impacting the credit ratings of hundreds of thousands or even millions of people!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/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 XXXXXXXX