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

This is in reference to : XXXX XXXX Account : XXXX Balance due : {$400.00} I trust this message finds you well. I've been reviewing my credit report and came across some information that raised a few questions. In my exploration, I delved into the Fair Credit Reporting Act, specifically 15 USC 1681, section 602, which highlights the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I've been thinking about my rights and responsibilities in this context. According to 15 USC 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information. Digging deeper, I found 15 USC 1681, section 604, which outlines the circumstances under which a consumer reporting agency may furnish a consumer report. It explicitly mentions that they can do so only in accordance with the written instructions of the consumer to whom it relates. I want to emphasize that I haven't given any written consent for the sharing of my information, and this concerns me. Furthermore, 15 USC 6802 ( b ) ( c ) notes that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. To my knowledge, I have not been informed of such an option. I also stumbled upon 15 USC 1681c ( a ) ( 5 ), which states that no consumer reporting agency may make a consumer report containing adverse information without authorization. It appears that an adverse item is being reported without my permission, which, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, is against the law. The Act further mandates that consumer reporting agencies maintain reasonable procedures designed to avoid violations of the statute. Unfortunately, it seems that XXXX and XXXX may not be following these guidelines, as indicated in 15 U.S. Code 1681e. Lastly, I discovered in 12 CFR 1016.7 that a consumer has the right to opt out of reporting services at any time. I'm choosing to exercise that right. I wanted to bring these specific sections of the Act to your attention and discuss how we can address these concerns. Your insights on this matter would be greatly appreciated. Thank you, XXXX XXXX
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. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 that 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

Your feedback While XXXX 's concluded that the hard inquiry was fraudulent and that I was not aware nor consent, XXXX 's response is still not sufficient. They wrote : " Were therefore asking the credit bureau to change the XX/XX/2021 inquiry to a non-display inquiry. This type of inquiry is viewable to you but not to other creditors. '' I respectfully request that this fraudulent hard inquiry be entirely deleted immediately. I don't want it 'viewable ' to me nor did I cause this fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial sent us a bill at the end of our car lease that was not disclosed when we turned our car into the local dealership, XXXX of XXXX  XXXX, who sold the original vehicle and originated the lease. The vehicle return was delayed for 2 months because of COVID-19. We moved house during COVID and GM Financial did not update our address. They subsequently sent a {$450.00} fee for the end of our lease that we did not receive as we moved and the bill was not forwarded by the USPS. GM Financial has now predatorily and very unfairly reported the payment as 30 days late and negatively affected my credit score. GM refuses to waive the negative credit reporting and understand that we had moved, we are dealing with a pandemic and we have two hard working taxpayers working from home trying to raise XXXX  kids under XXXX  while working. This is grossly unfair in the first place, but even more unfair that GM Financial refuses to correct its credit reporting.
Product: Debt collection

This collection company keeps calling saying I defrauded a company and I am going to jail. When I told them that their tactics to collect a debt were illegal the woman proceeded to tell me I was trash and I couldnt pay my bills and I was a bad mother. When I called back to speak to a manager I was told I was white trash and that I couldnt pay my bills and I was a bad mother. The. They hung up on me and refused to give me any of their I formation
Product: Mortgage

We closed a refinance on our primary home mortgage with Wyndham capital mortgage on XX/XX/XXXX. {$260000.00} + was wired on XX/XX/XXXX to refi into a conforming product with Wyndham capital. Refinance was to have funded on XX/XX/XXXX per the closing documents. As of today XX/XX/XXXX our existing Jumbo mortgage with XXXX XXXX  XXXX has not been paid off. Wyndham capital has held our funds for seven days and has failed to fulfill the term of the signed closing documents. They are unscrupulous and owe us interest for holding our funds.
Product: Consumer Loan

I was paying a XXXX installment loan ON TIME when they suddenly said the account was defaulted and sold it to a collection agency who then took legal action and threatened a judgment on my credit report. I am now going to pay off the debt in a lump sum to avoid having my credit wrecked with a judgment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey i asked the credit bureaus to do a thorough research to identify inaccuracies in my account and they did but nothing happened so after doing my own research i was able to identify several inaccuracies on my profile Name of account : XXXX XXXX bank " Account Number : XXXX DateOpened XXXX XXXX XX/XX/XXXX Name of account : XXXX XXXX  Account XXXX : XXXX DateOpened : XX/XX/XXXX Name of account : XXXX XXXX  XXXX  card Account Number : XXXX DateOpened : XX/XX/XXXX Name of account : XXXX XXXX XXXX card Account Number : XXXX DateOpened : XX/XX/XXXX Name of account : XXXX  Account Number : XXXX DateOpened : XX/XX/XXXX : Name of account : Child support Account Number : XXXX DateOpened : XX/XX/XXXX Date closed : In accordance with the fair credit reporting act XXXX  accounts Have violated my rights. 

# XXXX # XXXX # XXXX # XXXX ( duplicate accounts ) # XXXX # XXXX 15 U.S.c 1681 section A. States i have the right to privacy 15 U.S.C 1681 section 602 A section : also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am a known victim of identity theft. I have reported this information to the credit bureaus several times already but they ar3e completely ignoring my correspondence and not answering me AT ALL
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX about account # XXXX and asked them to delete this inaccurate derogatory account. They stated that everything is accurate 3 times now! But everything is still the same and the account information is STILL INACCURATE!! This is ILLEGAL!! They have once again broken the law! 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. I have NEVER given written consent to publish ANYTHING on my credit report which is also ILLEGAL!! I DEMAND that the accounts be deleted IMMEDIATELY! They have also violated these multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Their illegal actions are costing me and my daughter to live in unsafe circumstances because I can't get proper housing or transportation! If they do not delete these accounts from my credit profile permanently I will take further action and they will be liable to pay me {$1000.00} per violation!
Product: Checking or savings account

On XX/XX/XXXX, I discovered on my Chase online banking that my account had been hacked again. 
A total of 9 ATM UNATHORIZED withdrawals were made on XX/XX/XXXX. This occurred again after chase had send me a new card and returned my money back on XX/XX/XXXX. from previous claim with same situation. 
I immediately reached out to Chase bank again thinking how this could be happening again, after I had just received a new ATM card. 
The chase representative informed me that the transactions were made with my NEW card and my PIN was used. 
I was in disbelief, I explained to the representative that I never lost the new card and was always with me and I did not make those atm withdrawals. Also discovered by talking to the representative that an address from XXXX NY was on my account, that was the city and State where all the transitions from my previous claim occurred. 
The representative proceeded to remove that address from my account and a new claim was submitted on XX/XX/XXXX. for a total XXXX on unauthorized ATM transactions. 
On XX/XX/XXXX the claim with Chase was denied again, saying that the transactions were made with my atm card and Pin number and there was nothing they could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

My prospective employer uses a XXXX  named Sterling to run background checks on new hire candidates. I signed electronically on XX/XX/22 giving permission for them to proceed with background check. On XX/XX/22 I received an email from Sterling that it was complete. Between XX/XX/22 and XX/XX/22 I've sent at least 9 emails requesting a copy of my full report and I still haven't received it. The representatives act like I'm requesting something that's impossible to get. Please help me!
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later and I have yet to receive a response. I feel as though I am being taken advantage of and being ignored of my disputes. Section 611 ( a ). it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted expeditiously. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX Auto Loan Account Number : XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account INQUIRIES TRANSUNION 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 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 These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX  and XXXX  are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 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 an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer 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. Equifax, XXXX and XXXX are not maintaining 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.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/XXXX Dear Capital One Bank, I am writing to demand immediate action regarding the freezing of my checking account that occurred in XX/XX/XXXX. This action has caused significant financial harm to me and my family, as well as led to missed payments and other financial hardships. 

As you are aware, the freezing of my checking account caused other external brokerages and banking institutions to also freeze my external accounts, leading to missed payments and delinquent credit card payments. This has caused additional fees and penalties, and further damaged my credit score. 

When I called your customer service department to inquire about why my account was frozen, I was informed that the only reason for the freeze was that I needed to verify my employment information. I had already verified my employment information through the Capital One mobile app just XXXX months prior, so this was a surprise to me. 

I demand that you take immediate action to rectify this situation, including restoring my full banking privileges and compensating me for any damages or losses I have suffered as a result of your actions. Additionally, I expect a detailed explanation for why my account was frozen in the first place, and how your actions have led to other external institutions also freezing my accounts. 

I am prepared to take legal action if necessary to resolve this matter, however, I would prefer to resolve this matter amicably and without further delay. 

Please contact me as soon as possible to discuss how we can resolve this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Recently, I was home shopping and when I reviewed my credit report, I noticed that a company has furnished my credit report with false allegations. Caine and Weiner Company Inc is requesting collection of a debt I have never had any transaction history or knowledge with before. According to 15 USC 1962 validation of debt and 15 USC 1681, I must be provided with the original copy of this alleged debt. However, I have not been provided with this information even after sending multiple letters asking for the debt to be verified. Therefore, this information must be deleted off my credit report or I will be seeking up to XXXX in damages for defamation, negligent enablement of identity fraud and violation of the fair credit reporting act and fair debt collection practices act.
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 XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Money transfer, virtual currency, or money service

I lost a translation of XXXXXXXX XXXX XXXX  and I also lost a transaction of XXXX dollars this was all money that I had worked for and I know its other amounts it happened alot that I wanted to just get rid of it but it was convenient for my direct deposit
Product: Debt collection

Had a XXXX and it was no longer safe to live on my own so needed to end lease early. Communicated with leasing office regarding this and when I moved out I was told there was no balance and that my account had been squared away. I was paid ahead on rent and had never paid late. 
Had to move and did not update my mailing address because I was told by the leasing office that I was good to go. Found out in XXXX that I had a {$2000.00} debt. Tried contacting IQ Data where I was threatened and harassed DAILY about this debt after I called them to inquire. They would not let me create an account to pay online because the debt was too new however they threatened to send me to collections because I was negligent and hadnt paid on this old debt. I contacted the leasing office and XXXX to attempt to set up a payment plan and was told this was not an option. 
I would make payments and would be told that if I didnt pay it in full that day my account would be sent to collections and that I needed to take an advance out on my credit card so that I could pay this debt or else.
Product: Mortgage

This is regarding CFPB complaints # XXXX, XXXX, XXXX, and XXXX. 

Attached are the proofs. 

XXXX XXXX letter proves that identifying information on the wire to apply the payoff balance on XX/XX/22. 
The error was on Wells FargoXXXX. 
While waiting for resolution, I paid {$2000.00} on XX/XX/22, {$1600.00} + {$1600.00} + {$61000.00} on XX/XX/22, which is more than {$66000.00} I owed per XXXX. 
Honor the XX/XX/22 payoff balance as promised and promptly refund me the overpaid amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to Wells Fargo regarding a credit card debt they are reporting on my credit that is more than 7 years old on XX/XX/XXXX. They have failed to delete the derogatory information from my credit report, and instead updated the charge-off to show that the first reporting date of the derogatory information was XX/XX/XXXX. Based on their most recent update, the derogatory account is past the 7 year reporting limit. And their error in reporting is negatively impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem with a credit reporting company 's investigation into an existing problem In XX/XX/XXXX, I submitted a dispute into an account on my TransUnion file, that had been indeed deleted for more than 30 days. XX/XX/XXXX is when the account was re-inserted into my credit file. 

This account was closed on XX/XX/XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$5000.00} Reported balance Credit limit {$5000.00} You're using 101 % of your account 's limit OVERVIEW Credit limit {$5000.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 6 yrs, 10 mos ) PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Amount past due {$5000.00} Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Credit card Responsibility Individual Remarks Charged off as bad debt Canceled by credit grantor XXXX 30/60/90 days late 0/0/0 Closed XX/XX/XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX USA I  have requested a method of verification before the item was deleted, however, it has returned back into my file and noted as " verified by the creditor ''. I have not received the method of verification from either the credit reporting agency, TransUnion nor the creditor listed above.