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

Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  JP Morgan Chase XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX & JP Morgan Chase, XXXX FCRA as a federally protected consumer. Under modern privacy laws, I as a consumer have a legal right to opt out of any activities involving the collection, use, and disclosure of my personal information. In other words, I as a consumer can simply say " NO '' to all data processing activities, from marketing emails to website cookies to the sale of data. However all businesses non affiliates which are investors by law must honor these requests or risk facing significant penalties from the Federal Trade Commission or from the Federal Government. I am now Opting Out on all authorization that includes mailing and solicitation. I the consumer may have given you written Unwritten verbal and nonverbal per 15 USC 6802. 

Under the Privacy Act of XXXX I do not have to provide you with my social security number or my personal information, I am federal protected by the United States Government Under Article XXXX of the GDPR The consumers or data subjects who have previously given their lawful consent to a specific data processing activity can withdraw their consent whenever they wish. I can withdraw from any data offers at anytime. 

I am also a XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  have also rights to XXXX XXXX on all things including non affiliates mailing solicitations. 
I should not receive any other piece of XXXX  from any non affiliates or third parties. 
Thank you for your time and cooperation. 

Sincerely, XXXX XXXX
Product: Mortgage

XX/XX/2022 XXXX XXXX, XXXX. 
XXXX XXXX XXXX 
XXXX XXXX, SC XXXX Tel : XXXX Email : XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Tel : XXXX Re : Seven-month experience in applying for a Home Equity loan with Truist Bank ( XXXX XXXX XXXX, XXXX XXXX XXXX SC XXXX XXXX that contradicts what is advertised. 

Dear Bank Manager : Truist website : Once all required paperwork has been received, the turnaround time from application to closing averages XXXX days, which is one of the fastest times among our bank peers. 
Seven months ago, I met with XXXX XXXX to discuss refinancing my Truist loan. 
XXXX XXXX assured me that a Home Equity loan was a five-six-week process and offered it as a better option for debt management. Her confidence and enthusiasm won me over, and I began submitting the required documentation on XX/XX/2022. 

XXXX months later, my loan remained stagnant with endless excuses and repetitive requests for updates from XXXX XXXX. Yet, all along, XXXX XXXX continued to tell me that the loan was on track with closure eminent. 

XXXX XXXX emailed me on XX/XX/2022, about an Attorneys secretary/paralegal ( XXXX ) XXXX XXXX after her computer crashed. XXXX XXXX followed up that email with a phone message on XX/XX/XXXX requesting once again for me to identify debts to be paid because of limited funding. I released XXXX XXXX from this seven-month, excuse-riddled, and confusing application process before it caused more difficulties in my life. I have delayed making a decision about work/retirement based on XXXX XXXX 's assurances. Also, interest rates are much higher now than they were seven months ago. 

I am asking for a review of my application to understand what happened to Truists written promise to close applications within 30-35 days. Why was I treated differently? 

Thank you very much for your time and consideration. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : XX/XX/2019 I have been reporting this account on my credit report as inaccurate information. According to the FCRA 15 U.S.C. 1681 ( a ) ( 1 ), creditors must report accurate consumer 's information on credit report. I have the right to see the investigation that took place to verify this account on my credit report. According to the FCRA, you have 15 days to send me the investigation that has taken place to verify this account as accurate or delete the account from my credit report.
Product: Vehicle loan or lease

Vehicle was repossessed while I had a payment plan in effect. Left without a vehicle and no way to get my kids to school or to get to work because they couldnt abide by the plan they set in action.
Product: Checking or savings account

42 usc color of law capital one bank is refusing to research issue where systems were experiencing technical issues. Upon enter my account XXXX and off cents was errors to bank technical issues. Spoke with fraud department and refused to open claim.I am clueless even to being able to unlock and lock card. That is when issue occurred
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding unauthorized hard inquiries on my Experian credit report. I did not apply for credit with the following entities, nor did I authorize them to access my credit file : XXXX XXXX XXXX XXXX Hard Inquiry, reported on XX/XX/year> XXXX XXXX XXXX Hard Inquiry, reported on XX/XX/year> XXXX XXXX XXXX Hard Inquiry, reported on XX/XX/year> These inquiries are negatively impacting my credit score, and I believe they were conducted without my explicit consent, in violation of the Fair Credit Reporting Act ( F

CRA ). Under 15 U.S.C. 1681b, a consumer reporting agency may only provide my credit report to entities with a permissible purpose, such as my direct application for credit or employment. Since I did not authorize these inquiries, they should be removed immediately. I have already attempted to resolve this issue with Experian, but they have failed to remove the unauthorized inquiries. I am requesting that the CFPB investigate Experians compliance with the FCRA and take appropriate action to ensure my consumer rights are upheld.
Product: Vehicle loan or lease

USAA owes me {$290.00} for overpayment on my car loan. They sent a check last year without notice and it expired. For 5 weeks now, Ive called in an attempt to collect my money. For 3 weeks in a row they told me the check was sent out and it hasnt been. I need my money now.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX 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 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. Also, I demand that Experian shows proof that I gave my written consent for the accounts above to be reported if Experian can not do such I Demand these accounts be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter toXX/XX/XXXX, Transunion,XX/XX/XXXX and XXXX XXXX Risk Solutions to dispute bankruptcy. XXXX XXXX did respond to my dispute saying that they were unable to verify the accuracy of the bankruptcy, so they deleted the record immediately. Also, XXXX XXXX sent me a letter saying they tried to contact XX/XX/XXXX but they did not respond. I started the dispute since XXXX but the 3 Bureaus never responded to any of my letters regarding my dispute. Please help me reach out to the Bureaus because they ignore my request. I have applied for mortgage for several times but I always got rejections. I am really looking forward for your help anent this matter.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION ARE REPORTING LATE PAYMENTS ON MY MORTGAGE THAT ARE NOT ACCURATE AND NEED TO BE CORRECTED. XXXX HAS CORRECTED THE ERRORS BUT TRANSUNION HAS NOT AND IT'S BEEN VERY HARD TO CONTACT SOMEONE TO FIX THE ISSUE.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 Section states I have a right to privacy. 15 USC 1681 Section 604a Section 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS UNDER 15 USC 1666b A CREDITOR MAY NOT REPORT A LATE PAYMENT ON A OPEN ENDED CREDIT ACCOUNT AS LATE FOR ANY PURPOSES. PLEASE REMOVE ALL LATE PAYMENTS FROM XXXX XXXX XXXX XXXX XXXX XXXX90DAY LATE, XXXX90DAY LATE. 

I FILE A COMPLAINT WITH CFPB WHICH YALL STATES : XXXX XXXX THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PRIOR PAYING HISTORY IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : BALANCE, PAST DUE, CHARGE OFF AMOUNT, DATE OF LAST PAYMENT, DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY, ADDITIONAL INFORMATION, HISTORICAL ACCOUNT INFORMATION, ACCOUNT HISTORY We hope this resolves your concerns. 
THIS DOES NOT RESOLVE MY CONCERNS AS AGAIN under 15 USC 1681 Section 602 Section states I have a right to privacy. 15 USC 1681 Section 604a Section 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION. PLEASE PROVIDE PROOF OF SUCH WRITTEN INSTRYCTIONS OR REMOVE LATE PAYMENTS ASAP!!!!
Product: Debt collection

Glass Mountain Capital keeps calling me and hanging up. There is no response when I pick up the line. I suspect this is about someone named XXXX XXXX whom I have zero affiliation with. I have owned this telephone number for over 20 years and so not understand why I keep getting this harassment from multiple debt collection agencies no matter how many times I have told them that whoever this person is has not had this telephone number since the 1990 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent information to the credit bureaus about possible fraud on my credit reports and nothing was done to fix the errors on my reports. These items are outlined in the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I discovered many unauthorized inquiries on my report XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX  XXXX XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is with regard to TransUnion LLC. I tried to get my free credit report online on XX/XX/XXXX. I was denied and was informed that I would have to submit written proof and photocopied documents to the company in order to get my report. The time involved, the materials that I would have to gather and copy, and the postage cost does not make this annual report free. It has become instead a great inconvenience. 

Needless to say, I won't be sending these materials in the U.S. Mail, where they could be intercepted, stolen, or lost.

My complaint is that my husband was able to get his free report online from TransUnion a couple of days earlier. We have lived in our current home for the past twelve years. Our shared financial accounts date back to XXXX. In past years, I have had no problem with TransUnion and receiving a free report online. Why now does it no longer work with TransUnion?
Product: Student loan

In XX/XX/XXXX 2016, my Income Driven Repayment Plan with Navient was up for renewal so I submitted the application on Studentloan.gov. Once Navient received the application they provided me with a new payment of $ XXXX+. I could not afford to increase my payment at that time so I asked to be placed on another plan that would enable me to keep making my $ XXXX monthly payments. They said that was NOT possible but they could put me on a new plan paying {$150.00} ( the graduate repayment plan ). Did n't make any sense to me but I agreed since I was desperate. They said that once my payment date comes around I would only have to pay the {$150.00}. My XX/XX/XXXX bill was sent to me and I owed $ XXXX+ dollars. I was confused because I thought they had made the adjustments agreed upon. I called Navient a second time ; they told me now I needed to do a voluntary forbearance to correct their mistake. Again I was confused and expressed this to them but I agreed because I was desperate and did n't want the late payment to show up on my credit report. I did the Voluntary Forbearance and payed {$5.00} for the month. My XX/XX/XXXX bill rolled around and still the same issue. No change in payment. I was now angry because again they asked me to do another voluntary forbearance to correct their mistake. So now that is 2 months of interest being capitalized and time wasted with me calling them and completing numerous applications. I spoke to XXXX different individuals and kept getting the run around with each one assuring me that they had solved my issue. I have my fingers crossed to see what my XX/XX/XXXX bill will reflect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a credit card approval. The accounts listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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 or other personal consumer reports

My personal was stolen and accounts were opened as a result that I had no knowledge of. The following account are ; EXETER FINANCE LLC, total debt {$15000.00}, date opened XX/XX/XXXX ; XXXX XXXX, total debt {$26000.00}, date opened XX/XX/XXXX. I reached out to these finance companies to resolve this issue, asking them to remove these fraudulent accounts. Per section 15USC 1681c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit in 4 days.
Product: Credit reporting or other personal consumer reports

Info on my credit report is incorrect UNDER FCRA SECTION 609 15 U.S.C. 1681i,1681g, 604 15U.S.SC. 1681b, 623 15 U.S.C.1681s-2,611 15 U.S.C. 1681i, I REQUEST VERIFICATION OF DEBT, INQUIRIES WERE MADE WITHOUT MY PERMISSION, I HAVE RIGHT TO PRIVACY. REPORTING DEBT THAT DOES NOT BELONG TO ME IS ILLEGAL. I WOULD LIKE FOR ALL ACCOUNTS TO BE BLOCKED AND DELETED FROM EQUIFAX. PLEASE REMOVE ALL ACCOUNTS, THE FOLLOWING ACCOUNTS ARE FRADULANT. THE FOLLOWING INQUIRES ARE UNAUTHORIZED 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 or other personal consumer reports

I paid off my XXXX XXXX loan from Money Lion on XX/XX/XXXX of this year.. on XX/XX/XXXX Money Lion reports to the XXXX agencies that the account is a charge off and then I owe {$47.00} or did they charged off XXXX and something but still owe XXXX the loan is paid off. I disputed it once came back They said they corrected everything and everythings accurate. it also dropped my credit score by XXXX points..
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 records in my document coming about because of the wrongdoing. The records 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 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
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Bank account or service

Bank of America, is hold back transections to trigger overdraft charges.
Product: Mortgage

After being approved for modification and making the first two payments I  am being told I am in arrears and subject to forclosure.
Product: Debt collection

Dear BSI Financial Services, Attached please find IRS FORM W-9-REQUEST FOR TAXPAYER IDENTIFICATION NUMBER AND CERTIFICATION. Please fill out and return to me at the address noted below and I will send you the 1099 for the attached payment by Check # XXXX for {$13000.00}. Attached are : 1-Check # XXXX payable to the Law Office of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 2-Motion to Compel Distribution of All Funds in the Court Registry to the Plaintiff 3-Order Granting Motion to Compel Distribution of All Funds in the Court Registry to the Plaintiff. 4-Request for Payment Form Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX  XXXX
Product: Mortgage

XX/XX/XXXX I was furloughed due to COVID19, I filed for unemployment. 
I called Shellpoint Mortgage but the wait time is over 30 mins and no answer. I went online to submit the requests for assistance. I received letter requesting documentation on XX/XX/XXXX. I tried to call on several occasions, however wait times are crazy and online is not detailed nor provides updates. I finally spoke to someone XX/XX/XXXX they asked me to send in documents, so I did. I was advised today XX/XX/XXXX that the forbearance ( credit and late fees protection ) does not include XXXX or XX/XX/XXXX, only XXXX, XXXX, and XXXX. My hardship started in XXXX, however my first payment missed was in XX/XX/XXXX, and the forbearance does not cover XXXX at all, which is ridiculous and does not make sense. I started working as of XX/XX/XXXX and have started making payments. I reached out to get updates and XXXX in Loss Mit said she will review for deferment for XXXX and XXXX payments but the forbearance is only for XXXX, XXXX, and XXXX. The forbearance period should cover the time in which the hardship began and the hardship letter and all documents provided indicate my hardship started when I lost my job, and thus missed the XX/XX/XXXX payment. This needs to be rectified.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Email : XXXX Date : XX/XX/2023 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!