23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX. 

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called multiple time attempting to cancel but company only allows you to speak with automotive messages. After inputting personal information regarding my account it stated I didnt have a member ship with them. The company does not allow you to speak with a person to clear issue up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been communicating with Carrington Mortgage about a mortgage assistance application since XX/XX/2022. Carrington Mortgage always made it seem like there something else that was needed in my mortgage assistance application. They would inform me to call them, however, the phone numbers listed are not working numbers. In XX/XX/2022, I started receiving notification about foreclosure options. When I emailed & called XXXXarrington Mortgage, they would inform me those are standard notification and it doesn't mean anything. I continued to follow Carrington Mortgage guidelines of what I was informed, however, Carrington Mortgage processed my payments for amounts they knew were too high for me to afford. I called them immediately and ask for my options. The information I was told was to complete the Mortgage Assistance application again and let the underwriters fix everything. The action that Carrington Mortgage took was reporting " Default '' on my credit report for my mortgage, while I have my mortgage assistance package submitted to them to start making mortgage payments again. Carrington Mortgage seems as if they are mimicking the same actions negative actions they are in class action lawsuit of charging customers {$5.00} of servicing fees in online & phone payments. Carrington Mortgage representatives do not all have access to view attached documents but are allowed to provide information that is misleading since they all can't view attached documents.
Product: Debt collection

I cancelled XXXX over the phone and they kept my account open for an additional month while I was connected with XXXX. When I received a bill from them I told them that I had cancelled my services through them as of XXXX of 2014 but yet they still sent me bills and they turned it over to a collection agency previous collection XXXX had dismissed the bill but now I am getting bills from ENHANCED RECOVERY CORP and they also notified XXXX. If I cancel my service with their customer service, there should be no reason to pay for an additional month.
Product: Checking or savings account

XXXX I called Wells Fargo for charging me overdraft fees, and I was missing {$500.00} from my account. The banker said, {$500.00} will be available XXXX business days. I call XXXX weeks later, I explained, and the banker said, there is no information regarding am missing {$500.00} and my account is on negative and my account is well close
Product: Credit reporting or other personal consumer reports

They need to remove all hard inquires i am a victim of 3 data breechs they are not listing remove the hard inquires they are not mine they have also reporteed negafive commmenta to people running my credit i am a victim of identity there negative remarks i am told are not right as a am a victim of identity theft but they contantly give negative reports preventing me from gettting a home car or anything
Product: Checking or savings account

On XX/XX/XXXX i checked My WellsFargo account before it was time to pay my 1st of the month bills ( rent/car note/school/utilities ) and noticed a significant amount of money have been missing. I dont usually check my bank account as Im familiar with what comes in and what goes out! This particular evening i checked To prepare myself for the coming month. I noticed several transactions from XXXX Sports book that I did not authorize. 
XXXX XX/XX/XXXX {$1700.00} XX/XX/XXXX {$1100.00} XX/XX/XXXX {$2500.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1100.00} These are the dates and amounts of the transactions i did Not approve of! Ive disputed and claimed fraud with Wells Fargo, Ive asked to have mangers/supervisor to give me a call and nothing have progressed! I called The bank today and was told my claim have been denied and closed! Never received notification of any sort! I can not accept this! Now another weekend, no funds no calls, nothing! I am Absolutely disgusted with this bank! 
I am now 2 weeks behind on my bills, i am A XXXX XXXX XXXX XXXX. Ive been a customer with wellsfargo since XXXX. I am Disappointed, disheartened, frustrated!!! This is very inconvenient!!!! I removed my money for my savings account and plan to close my accounts! Please assist with this issue! 
Thank you
Product: Credit reporting or other personal consumer reports

The other day, I paid off a significant amount of my small credit balance on my card. I did this with another card also issued by XXXX XXXX and they almost immediately lowered my credit limit to increase the debt to credit ratio to nearly 99 %. They did this again with my XXXX card but this time they increased the debt to credit ratio to over 100 %. This is the second time they have systematically ruined my credit rating after I paid a significant portion of my debt. This should be illegal since their reason, that accounts are reviewed periodically or randomly, is not true since this is a statistical impossibility. I have a XXXX in XXXX XXXX from XXXX and I did a back of the envelope calculation and it is likely that this is a discriminatory or systematic action that keeps a consumers credit rating low. This is not legal.
Product: Mortgage

Our review process for Nationstar 's furnished documentation was delayed by its refusal to timely accept our authorization to speak to our attorney. Now that our attorney has found and relayed our complaints regarding Nationstar 's misapplication of payments during bankruptcy, unauthorized charges, and multiple servicing issues, as well as statutory authority issues with the upcoming trustee sale, Nationstar has not postponed the trustee scheduled for XXXX XXXX, 2015. There is no way that Nationstar will respond in time, and the delay was its fault.
Product: Payday loan, title loan, personal loan, or advance loan

TO WHOM IT MAY CONCERN : Pursuant to the authority granted under the Fair Credit Reporting Act ( FCRA ), the New Jersey Consumer Fraud Act, and applicable state and federal law, I, XXXX XXXX, hereby submit this formal demand for the immediate removal of the following account from my credit report, as the inclusion of the same is erroneous, unjustified, and in violation of my rights under these statutes : Creditor Name : LIGHTSTREAM Account Number : XXXX Account Type : Installment Account Loan Type : Unsecured Date Opened : XX/XX/year> Amount : {$29000.00} Monthly Payment : {$490.00} Dispute : Account is inaccurate, and no obligation exists under my name. 
This account was inaccurately reported to credit bureaus, and it is imperative that this error be rectified immediately. Failure to remove this account will compel me to pursue all legal avenues, including but not limited to, filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), the New Jersey Division of Consumer Affairs, and pursuing litigation under the FCRA and the New Jersey Consumer Fraud Act for violations of my consumer rights, which may result in civil penalties, damages, and legal fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX I recieved a copy of my consumer report with the intention of improving my credit and taking care of my responsibility and i noticed an account that i want a little more explanation on. I am not saying that its reporting wrong or right im just not 100 % sure if it is. I also read somthing called the Fair Credit Reporting Act where it said by law i can challenge anyhting i am not sure is 100 % correct. In 15 USC 1681 i ( a ) it states if you caint provide proof this account must be deleted. Well i want this account deleted if it is not reporting 100 % accurate. By law you have 30days to complete your investigation or delete the account. Please investigate this account and remove it if theres anything missing XXXX XXXX  Please investigate if every piece of information on this account in accurate or delete the item
Product: Credit card or prepaid card

Company Sent me a letter saying that they were closing my account do to irregular authorized user activity, When I have personally made them aware that I was adding Authorized users in efforts to educate. So the users were authorized. I have called a couple times and they refuse to help reopen my account. The Company is Bank of America. I have called multiple times and made them aware prior to submitting a CFPB complaint. All times that I have called, they have hung up on me during the transfer period. 

If necessary I may provide recordings of my attempts at speaking to Bank of America representatives to prove non-compliance
Product: Credit card or prepaid card

I opened up a complaint ( XXXX ) ) that was closed based on American Express response . They indicated that I was informed that I was not eligible for the promo offer of 70,000 XXXX XXXX. I was NEVER notified. I would have cancelled my application at that time. Because I was not notified I made the required spend only to find out months later that I was not receiving the miles. I asked for a copy of what I was sent and proof that it was sent and acknowledged by me. I went through all of my emails and have no such email. I also did not receive any written acknowledgment. My wife received a promotion to make a referral which she did and it advertised 70,000 miles. I received the referral and completed the application and was approved very quickly.

The attached is American Express response that I received received to my complaint. They can not send me a copy of what they are saying I received. I am assuming it is a fine line in the application process. Why was I not notified when I received the approval and credit card? I would not have made the required spend on the card had I been notified that I was not eligible for the advertised offer. This was very non transparenton their part! 

If this can not be resolved I will take this to my attorney for review. I will also reach out to The Points Guy so he can warn people about the XXXX XXXX process. How awful as I am a very loyal American Express customer! 

I am a very fiscally responsible individual with an outstanding credit score. I think it would be required that I would be notified if I was approved for the card but was NOT APPROVED UNDER THE TERMS OF THE WELCOME OFFER THAT WAS ADVERTISED IN THE APPLICATION REFERRAL I RECEIVED. 

HOW DO YOU NOTIFY A COSTUMER THAT THEY WEREN'T APPROVED FOR THE WELCOME OFER? How would a customer know as I received NO CORRESPONDENCE REGARDING THIS FROM AMERICAN EXPRESS!! 

I called about this a few times and was told I needed to allow 8-12 weeks for the points to be deposited into my account. I did wait only THEN to find out I was not approved for the welcome offer.
Product: Mortgage

I have an existing mortgage on a 2nd home in XXXX.thru XXXX XXXX. I am XXXX years old and have a credit score in the very high 700 's or low 800 's depending on the XXXX. I had no issues with qualifying and the refi required NO Appraisal or cash out of my pocket. Simply reducing the term and getting a better rate. 

The problems started when the company / XXXX XXXX started saying the property had Liens on it, speciffically a line FOR my Primary home ( which was purchased years before this home ) and a Lien for a HVAC system that was installed on my primary home in PA. 

After several weeks of back and forth including the submission of a XXXX document from the HVAC company stating o only is there no lien on the XXXX  home there in no lien on the XXXX  home as they are not capable of such an encumbrance, is is a personal loan. I also submitted a copy from the XXXX Recorders office as well as a private online title search that did not show any liens. Lastly I reached out to the Title Company who handled the closing on the XXXX  property and they confirmed there is but one record for the original mortgage from 2018.

Still the insisted I must pay off or subvert these liens to move forward. 

I feel they were purposely discouraging me from moving forward with the loan because of my age. I withdrew my application ( which they did with great speed ) as I do not feel they were honest and I foresaw grave issues if I moved forward with them. No one can be that incompetent incompetent and still be in business I have purchased 7 different homes in my life and never experienced any issues. 
I am currently pursuing a refinance with another company.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts that were opened and operated by someone else located on my credit report. I have no knowledge of who has opened the accounts that are located on my report. There are three accounts that are listed fraudulently and incorrectly ; one account is Navy Federal Credit Union, opened on XX/XX/XXXX. I have disputed this account on 3 separate occasions, the fraudulent account still remains on my credit report. 

Another account that is fraudulent on my credit report is XXXX XXXX XXXX XXXX, fraudulently opened on XX/XX/XXXX. I have disputed this account on 3 separate occasions as well, the fraudulent account still remains on my credit report. 

The remaining fraudulent account on my credit report is from a collection agency called XXXXXXXX XXXX, this account was fraudulently opened on XX/XX/XXXX. I have disputed this account on 3 separate occasions as well, the fraudulent account still remains on my credit report.
Product: Credit reporting or other personal consumer reports

A request was submitted multiple times, most recently in XX/XX/2023 to have this inaccurate reporting removed from my credit report. The furnishers of information responded claiming this account was accurate with no proof of debt validation or details involved in the investigation. 

I am not liable for this debt with XXXX XXXX XXXX  for {$370.00}. I do not have a contract with XXXX XXXX, and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt.

This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.
Product: Vehicle loan or lease

I am not a company ; I am a consumer that has been violated and had every law broken in Truth in Lending as a directive of this company and their unethical policies and procedures.
Product: Debt collection

I received a bill in the mail addressed to my husband from Credit Management. L.P. They sent a very detailed, real looking bill attempting to collect a debt from XXXX  for the amount of {$59.00}. They provided a date ; XX/XX/2021. My husband logged onto our XXXX  account ; all bill have been paid, and payment is on autopay. When I XXXX  this company, the reviews came back that they are a fraudulent company that attempts to collect false debts. They have not contacted me any other way yet, but reviews said that they will call asking for personal information to close the debt and will make false reports to credit bureaus. 

They provided their information as : XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Phone number to pay : XXXX www.creditmanagementoline.com
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$3800.00} XX/XX/year> 15 U.S.C , 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that Equifax, XXXX, XXXX, ( collectively, the ( Consumer Reporting Agencies '' ) cease sharing my personal information with any third parties, including furnishers of information to credit agencies, without my express written consent. 


Statutory Basis : My request is based on the following provisions of the Fair Credit Reporting Act ( FCRA ) and other applicable regulations : 15 U.S.C. 1681 ( a ) : This section emphasizes the need for credit reporting agencies to handle consumer information with fairness, impartiality, and respect for privacy. 
15 U.S.C. 16801 : This section declares the Congressional policy that financial institutions must respect customer privacy and protect the confidentiality of nonpublic personal information.

15 U.S.C. 1681 ( b ) and 1684 ( a ) ( 2 ) : These sections limit the circumstances under which credit reports can be furnished, requiring either written consumer consent or specific legal authorization.

15 U.S.C. 1681c ( a ) ( 5 ) : This section prohibits credit reports from containing certain adverse information, including outdated criminal records.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : This section prohibits furnishers from reporting inaccurate information to credit reporting agencies.

15 U.S.C. 1681 ( e ) : This section requires credit reporting agencies to maintain reasonable procedures to prevent violations of the FCRA.

12 C.F.R. 1016.7 : This regulation allows consumers to opt out of receiving credit reports at any time. 


Specific Concerns : Sharing of Information Without Consent : I have not provided any written or verbal consent for the Credit Reporting Agencies to share my personal information with any third party, including furnishers of information to credit agencies. 
Reporting of Adverse Item : The report contains an adverse item that is being reported again without my permission. This violates 15 U.S.C. 1681c ( a ) ( 5 ) if the item is outdated or inaccurate. 
Lack of Nondisclosure Option : I was not informed of my right to opt out of having my information shared with furnishers, as required by 15 U.S.C. 16802 ( b ) ( c ). 

Requested Actions : Therefore, I request that the Credit Reporting Agencies take the following actions immediately : Cease sharing my personal information with any third party, including furnishers of information to credit agencies, without my express written consent. 
Remove the outdated or inaccurate adverse item from my credit reports. 
Provide me with information regarding my right to opt out of having my information shared with furnishers in the future. 
I am enclosing copies of my credit reports and any relevant documentation supporting my claims. Please confirm receipt of this letter and outline the steps you will take to address my concerns. I reserve all further rights and remedies available under the FCRA and applicable laws. Equifax and XXXX do not maintain 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. 
Thank you for your prompt attention to this matter.
Product: Student loan

XX/XX/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 phone number Ombudsmen, CASE # XXXX I have filed the above case # with your office and have not received any information from you as of today. I would like you to contact me ASAP as I have many issues to discuss with you. I will list the circumstances of my student loan on this letter. 

# 1- XXXX Attending XXXX, XXXX XXXX XXXX XXXX XXXX made payments until.. 
# 2- Student loan purchased by XXXX XXXX XXXX XXXX XXXX my payments # XXXX Student loan purchased by XXXX XXXX. Made my payments.. 
# 4- Student loan purchased by XXXX  been making payments under IBR for 10 years The original amount that I took out was XXXX..all of these sales of my Loans were made without my authorization and now the balance is around XXXX.. 
I have been denied the XXXX XXXX forgiveness ( I have been working as a XXXX  at a Title XXXX and XXXX School for 7 years ). I was also denied PSFL ( prior to the Teaching position I was an Instructional Assistant for 4 years ). Working for XXXX XXXX XXXX XXXX XXXX. 
In XXXX I was attending XXXX to finish my last 11 hours of classes and took out a small student loan to get a lower interest rate from 9 % to 7 %. I do not want to refinance again as the debt incurred will be the XXXX ( the difference is capitalized interest ). 
In XXXX I was attending college for my XXXX XXXX and paid all of the monies ( tuition, books and state testing fees and license fees ) by myself. 
I will complete the XXXX  or the XXXX XXXX XXXX again if need be. 

I do not have a personal email address I would like all correspondence to be sent by snail mail to my post office box or by phone call. 

Thank you for your attention to this matter, XXXX XXXX XXXX TO : FAX NUMBER 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
Product: Debt collection

I have collection for ability recover services and i have no knowledge of this account and they wont help me take it off they are very unprofessional they called me kiddo i just want this taken off
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that thesedisputed items will be fixed as soon as possible XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3600.00XXXX XXXX XXXX XXXXXXXX Balance Owed : {$20000.00} XXXX XXXX XXXXXXXX Balance Owed : {$92.00} XXXX XXXXXXXX Balance Owed : {$0.00}