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

It was never disclosed to me upon our agreement that I had the right to opt in or opt out of my personal information being shared with a third party. In pursuant to title 15 U.S.C. 1681b ( a ) ( 2 ) any information placed on my Consumer report should be based in accordance with the written instructions of the consumer to whom it relates. I the natural person have been suffering for years by being denied open-ended credit, and car loans for the enjoyment of my family. 
Per the FCRA as a federally protected consumer I XXXX XXXX XXXX am OPTING OUT of any and all authorizations I the consumer may have given you written, non written verbal and non verbal PER 15 USC 6802, EFFECTIVE IMMEDIATELY INDEFINITELY. The law also states it's illegal to report transaction history. Title 12 Also states anything dealing with a securities is an automatic XXXX XXXX XXXX. 
12 CFR 1016.4 Initial privacy notice to consumers required.

( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods.

Section ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.

( 2 ) Examples ( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice that, in the case of financial institutions described in 1016.3 ( l ) ( 3 ) of this part, includes the address to which the form should be mailed ; ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your Web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out. 
( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right ; or
Product: Credit reporting or other personal consumer reports

The following are credit inquiries that were not authorized by me. I will list the name and the dates of such unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of extreme identity theft reported, numerous times. 
A XXXX XXXX card was fraudulently opened under my identity. 
I have In multiple occasions tried to contact XXXX XXXX  to resolve this issue. 
I have been rerouted around and ignored, concerning this matter. 
This credit card was reported as bankruptcy, months prior to my attempt to file bankruptcy. 
I have public records and credit reports, reporting this fraudulent activity that is not mine. 
I was told I had know identity theft and that it was my card and my bankruptcy claim. 
This has ruined my financial wellbeing and and helped to enhance the already legal turmoil, I am enduring.
Product: Mortgage

I am writing to formally file a complaint regarding ongoing issues with my mortgage payments and the mismanagement of my account. Despite my repeated attempts to resolve the situation, I have continued to face unnecessary fees and complications due to errors on The Money Source 's part. 

In XX/XX/year>, I updated my autopay information, changing my bank account from XXXX XXXX to my XXXX XXXX XXXX account ending in XXXX. I designated this new account as the " PRIMARY '' payment method, and assumed everything was in order, especially since I received no communication indicating any issues with the update. 

However, in XXXX, I began receiving what I initially thought were spam calls from The Money Source, urging me to contact them immediately. When I finally reached out, I was informed that my payment had not been processed, despite my bank account being linked for autopay. I was told that I would be held liable for return charges and late fees. 

During the call, I confirmed that my XXXX XXXX XXXX account ending in XXXX was visible to their system, and I approved the representative 's request to apply the payment to that account. Despite this, the same problem has occurred every month since. Each time I call, I am told that the payment is being applied to an account that was removed in XX/XX/year>, which is no longer linked to my mortgage. I am then penalized with late fees and return charges, even though the correct account is clearly listed in their system. 

This ongoing pattern of incompetence is completely unacceptable. I have been forced to repeatedly address these issues, yet each time, I am penalized for mistakes that are clearly the fault of The Money Source. Despite consistently requesting clarification, the outcome remains the same : I am wrongfully held responsible for fees caused by your mismanagement, while my payments continue to be mishandled. In my most recent conversation with a representative, I was instructed to obtain a written statement from my bank confirming that they had not been receiving payments from TMS, along with bank statements to prove my ability to pay my mortgage. This suggestion was not only unhelpful but insulting, as it shifts blame onto me for issues that are entirely your responsibility. 

As a result of this ongoing issue, I will be consulting with my lawyer to determine what would be a fair compensation amount for the financial and emotional damages I have incurred, including the late fees, return charges, and the stress and frustration caused by the repeated mistakes. 

I expect prompt resolution of this matter and will appreciate a detailed response outlining how this issue will be addressed moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is still reporting on an account that was closed and transferred in XXXX. As of XX/XX/XXXX they reported that the account was in an active collection with a {$0.00} balance. They should not be reporting at all on this account. I was about to close on a purchase of a home and this completely derailed me from purchasing a home and I was denied credit. I want this trade line removed immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, XXXX, and Experian have violated my rights 15 U.S.C. 1681 Section 602 A states that I have a 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 I sent disputes to each agency. There are also inaccuracies across credit bureaus. The accounts were not removed nor were they properly investigated. I demand that these accounts be removed for violating my rights to privacy. I also demanded that my information be removed due to the breach.
Product: Credit card or prepaid card

Hello CFPB My name is XXXX XXXX i applied Chase XXXX XXXX Card and my application was declined with phony reason that supposedly i had unsatisfactory relationship with Chase Bank. I called spoke With XXXX department that created this baseless reason that i have unsatisfactory relationship. I was told i had XXXX XXXX XXXX and they closed it thats why its they can not approve my Chase XXXX Personal Card. It's true i had Chase XXXX XXXX  Card and had balance but since they closed my card i already paid off my balance and did not violated credit card agreement. I want please investigate this biased situation and approve my Chase XXXX Credit Card Application. I have great Credit And i'm very responsible borrower. Chase Makes up baseless reasons and closes credit card and then did not approve application.
Product: Mortgage

Recently our mortgage got transferred to a new servicer, Carrington Mortgage Services, LLC., normal process, and it went smoothly. We even got a letter letting us know nothing about our mortgage will change. However, on Friday XX/XX/2023, we got a letter in the mail from Carrington that something about our mortgage will be changing, the payment. 

We compounded our home insurance and taxes into our payment, so some changes are expected. And we did recently have a tax increase so there wasn't much surprise there. However, upon closer look into our new payment, it seems like Carrington is trying to sneak in a {$17.00} " Shortage payment '' every month because our escrow account will be below the federal MAXIMUM of XXXX of the total annual distribution. Only 1 month out of the year is the escrow account below this amount and it because we have back-to-back payments of taxes and insurance. Additionally, it's a federal maximum amount. Why am I being charged if I don't constantly have my account maxed out? There is no law saying I have to meet the max and my other loan servicer never did this. To top it off the {$17.00} never even goes towards my escrow, loan, or interest. It appears the company is charging me and keeping the money. 

When I called and asked why I'm being charged the company representative couldn't give me and answer. I asked to be transferred to someone else who could answer my question, but I was told there was no such person as they are gone for the day but even if they were there, I still wouldn't be able to speak to them. 

Please help this seem illegal and if not, it definitely should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes i been with XXXX XXXX XXXX for a couple of months they been trying help me get something off my credit report that shouldn't be on there but as it looks they was giving a hard time from leaders financial co i was a co-signer to a car that was giving back and not repoe
Product: Credit reporting or other personal consumer reports

Equifax and XXXX continues to report fraudulent information on my credit profile. In light of the Equifax Breach I reported US DEPT ED XX/XX/XXXX ( {$620.00} ), US DEPT ED XX/XX/XXXX ( {$1000.00} ) as fraudulent accounts being as though I do not recognize, nor did I ever consent to these accounts. No original contract has been provided to me that proves these accounts are mine and therefor must be and REMAIN deleted from my credit profile. 

According to 15 U.S Code 1681c-2, a consumer reporting agency shall block the reporting of all information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NO LATER THAN XXXX BUSINESS DAYS AFTER THE RECEIPT. 

It has been OVER 13 days and EQUIFAX is in violation of this law because I am a victim of identity theft. 

Equifax and XXXX also continues to allow XXXX XXXX XXXX to report unknown medical debt to my credit profile. XXXX XXXX XXXX- Opened XXXX XXXX, XXXX ( {$1100.00} ) It has been over 30 days since I sent a letter to XXXX XXXX XXXX requesting confidential information proving that this debt is mine as well as proving that I provided consent to access my medical information. This debt is fraudulent and I have filed an FTC report demanding the deletion of this account. Equifax and XXXX remains in violation of the law because it is allowing fraudulent or unverified information to report on my credit profile.
Product: Credit reporting

I disputed some information on my credit report and it still has not been fixed. 
XXXX XXXX XXXX -- - this needs to be removed. this is not me. 
Name identification number : XXXX XXXXName identification number : XXXX -- this needs to be removed -- this is not meXXXX XXXXName identification number : XXXX - this needs to be removed ... this is not meXXXX XXXXName identification number : XXXX -- this needs to be removed. this is not meXXXX XXXXName identification number : XXXX - this needs to be removed. this is not meEmployers : UNEMPLYED -- REMOVE -- NOT MEXXXX XXXX - REMOVE - NOT MEXXXX XXXX - REMOVE -- This is not meAddress : XXXX XXXX XXXXXXXX XXXX identification number : XXXX -- REMOVE ... this has never been meAddress : XXXX XXXX XXXX, XXXX XXXXAddress identification number : XXXX -- REMOVE ... this is not meIdentification Number : XXXX -- this needs to be removed. XXXX years oldJudgment in favor of XXXX. XXXX -- Remove this.. I am no longer liable for this. 

The following accounts needs to be removed asap. I am no longer liable and they need to be deleted from my record asap. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this inaccurate information to XXXX, Transunion, and XXXX  sometime in mid 2021 and the denied my request, but I included my Federal Trade Commission Fraud report and all proper I.D . I am in the process of disputing this issue again. This time I will include the police report and this complaint. Because I did not open or have knowledge of these accounts until my first dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit score and I saw several accounts and addresses that are not mine. I will list all the accounts and addresses from each credit bureau below : XXXX : Account Name : XXXX   XXXX XXXX XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX Account # XXXX : Date Open : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : Account Name : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$5000.00} Account Name:01 XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Account Name:08 XXXX XXXX 201 Account # : ,XXXX Date Open : XX/XX/XXXX Balance : {$18000.00} Fraudulent XXXX address : XXXX XXXX XXXX XXXX XXXX , GA XXXX   XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax fraudulent accounts : Account Name : XXXX XXXX XXXX XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX Account # XXXX : Date Open : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : Account Name : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$5000.00} Account Name : XXXX XXXX, Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Account Name : XXXX XXXX XXXX Account # : ,XXXX Date Open : XX/XX/XXXX Balance : {$18000.00} Fraudulent Equifax address : XXXX XXXX XXXX XXXX XXXX, GA XXXX   XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX fraudulent accounts ; Account Name : XXXX XXXX XXXX XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX Account # XXXX : Date Open : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : Account Name : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$5000.00} Account Name : XXXX XXXX, Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Account Name : XXXX XXXX XXXX Account # : ,XXXX  Date Open : XX/XX/XXXX Balance : {$18000.00} Fraudulent XXXX address : XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX XXXX XXXX - XXXX ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

( XXXX XXXX XXXX, ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have discovered a fraudulent inquiry on my credit report that was never authorized by me. This is an outright mistake.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these funds was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX ct XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting or other personal consumer reports

I disputed inaccuracies in my credit report with Equifax, XXXX, and XXXX regarding a {$6600.00} auto loan from XXXX XXXX XXXX. Discrepancies in dates opened ( XX/XX/XXXX, XX/XX/XXXX ) and last activity ( XX/XX/XXXX, XX/XX/XXXX ) exist. I disputed on XX/XX/XXXX and requested deletion per FCRA.
Product: Credit reporting or other personal consumer reports

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

I have been with TOYOTA MOTOR CREDIT for a long time, and I have always appreciated the good value and service I have received from TOYOTA MOTOR CREDIT. Recently I checked my credit report and noticed a mistake. I was devastated to see a late payment show up. Surely this must be a mistake. I need this to be remove as it's affects my credit worthiness.