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

According to the Fair Credit Reporting Act XXXX XXXX XXXX section XXXX states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and are respect for the consumers right to privacy. 
XXXX and Experian and XXXX are consumer reporting agencies. I have the right to make sure my private information isn't shared which is backed by XXXX XXXX XXXX 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. XXXX XXXX XXXX section XXXX section XXXX 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 whomitrelates. Furnisher of information to credit agencies the financial institution and the Consumer reporting agencies XXXX and Experian and XXXX on that my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian and XXXX Furnisher of information to credit agencies whether it be verbal, non-verbal, written, implied or other wise is revoked. XXXX XXXX XXXX ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to another affiliated third party unlessthe consumer is given an explanation to add my discloser ( Furnisher of information to credit agencies Never informed me of my right to exercise my nondisclosure option. Not only that XXXX XXXX ( a ) ( XXXX ) 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 ante dates the report by more than XXXX years. This account is an adverse item they are reporting again without my permission which is against the law. XXXX XXXX XXXX ( A ) ( XXXX ) 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 XXXX XXXX XXXX XXXX '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX c of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX b of this title. XXXX and Experian, XXXX are not maintaining reasonable procedures. Also XXXX XXXX states that '' A consumer may exercise the right too opt out at anytime. " I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please have the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXXXXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to my identity being stolen. I request of you to have the disputed items removed from my Credit File as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called MAriner and its Account Managers several times, I have sent a cease and desist letter and although I paid this account off XX/XX/19 it still is reporting monthly as 60 days late with a {$610.00} balance to XXXX, XXXX and XXXX.
Product: Vehicle loan or lease

They doesn't wan na give me a defer in payment or help me with any other options to keep the car except to pay the arrears and by that time the car was already at impound. At that time they said they tried to reach me numerous times at a number I no longer had and an apartment I got evicted from.
Product: Debt collection

TOOK OUT MORTGAGE WITH XXXX IN XXXX AND THE LOANED SECURED BY XXXX XXXX. THE ORIGINATED MORTGAGE AS WELL AS SERVICED LOAN UNTIL XXXX ( DURING THAT TIME COMMITTED FRAUD AGAINST ME AND MY LIFE ). AND THEN TRANSFERRED TO XXXX WITH A LETTER DATED XXXX/XXXX/XXXX COVERING UO THE FRAUD VIA XXXX XXXX ) AND WITHOUT VALIDATION NOTICE ETC. TRANSFERRED AGAIN TO XXXX, RESIDENTIAL CREDIT SOL. AND NOW XXXX. ALL TRYING TO COLLECT A FRAUDULENT MORTGage accounts and leaving tradeline scaring on all XXXX bureaus.
Product: Debt collection

I received a phone call from XXXX in XXXX saying that they have been trying to contact me regarding a collection account with Unifund CCR. The man on the phone said I have been ignoring their calls and not responding to their letter and that they will be forced to take legal action. I asked the man if he could verify what address they have on file, he responded by asking for my FULL social security number. I refused to give him the full number and asked if he could just tell me what the issue was, he said not until you give me your social. I then informed the man that this is the first time I received a call from this number and if he could send a certified letter to my address to ensure that I receive it. I also asked to receive verification of the debt owed and still have not received anything to date. Recently I have received a handful of letters from consumer relief attorneys saying I am being sued and offering their help. According to the letters the lawsuit against me was filed on XXXX/XXXX/17 but I have yet to be served a copy of anything. I really think this is an outdated or zombie debt because this account is not even on my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was completely negligent with the data it holds on me including my SSN, full name, and address. This data was retrieved easily by hackers. Several C level executives of Equifax sold their shares long before this breach was made public. This goes to show that the breach was known about, but hidden so they could maintain millions in profits. This is unacceptable.
Product: Credit reporting or other personal consumer reports

It has become clear that XXXX has disclosed my nonpublic personal information ( as defined at 16 CFR 313.3 ( k ) ( 2 ) Personally identifiable financial information includes : ( B ) " Account balance information, payment history, overdraft history, and credit or debit card purchase information '' ) to at least three nonaffiliated third parties, XXXX, XXXX, and Transunion. Per 15 USC 1681 ( Fair Credit Reporting Act ) and 15 USC 6801 ( Gramm-Leach-Bliley Act ), as a federally protected consumer, by law financial institutions are required per 16 CFR 313.7 ( a ) ( 1 ) to 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 a reasonable means by which the consumer may exercise the opt out right. 

XXXX has never given me a reasonable means of opting out of disclosure of my nonpublic personal information, as required by federal law. I have OPTED OUT on XXXX XX/XX/XXXX of any and all authorization that I may have given XXXX to disclose any of my personally identifiable financial information, whether such authorization was written, unwritten, verbal, non-verbal, implied, or assumed. I have recorded over 127 violations of my privacy regarding my accounts with XXXX since XXXX. 

Pursuant to 16 CFR 313.10 Limits on disclosure of non-public personal information to nonaffiliated third parties. ( c ) Partial opt out. Financial Institutions may allow a consumer to select certain nonpublic personal information or certain nonaffiliated third parties with respect to which the consumer wishes to opt out.

Following were the terms of my PARTIAL OPT OUT : 1. I do not authorize you disclose account balance amounts.

2. I do not authorize you to disclose account payment amounts.

3. I do not authorize you to disclose instalment amounts or terms.

4. I do not authorize you to disclose credit limits.

5. I do not authorize you to disclose credit purchases.

6. I do not authorize the reporting of my payment history in $ amounts.

7. I do authorize the disclosure of my account payment status ONLY ( Paid, or Paying as agreed ) I have received no response after my express OPT OUT on XXXX XX/XX/XXXX, and XXXX is still disclosing my nonpublic personal information to XXXX, XXXX, and Transunion.
Product: Debt collection

I received a letter from Diversified Consultants, Inc claiming to have taken over an XXXX XXXX XXXX XXXX debt with. The letter is dated XXXX promising to commence collection efforts in 30 days. Efforts were made to collect this debt that does n't belong to me before. XXXX XXXX XXXX said the have no record of this debt. I am no longer a client of XXXX XXXX XXXX and paid all outstanding bills. I initiated a dispute of this debt when it appeared on my credit report under XXXX and it was resolved and removed. This is a scam mow
Product: Credit reporting or other personal consumer reports

Ive started to do research on my credit report and Ive seen that I had fraudulent account 's opened without my permission or consent. XXXX account is from XXXX XXXX XXXX  # XXXX {$530.00} dollars from dates XXXX and XXXX This account is fraudulent!
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 168 These companies has inquired about my credit on my credit report without my request to do so. 
XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired XX/XX/XXXXXXXX XXXX  Inquired XX/XX/XXXXXXXX XXXX XXXX  Inquired XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquire on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX INQUIRED ON XX/XX/XXXX 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 1681 ( 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 antedate 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, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted complaint # XXXX. The intention is not to submit a duplicate complaint for the same issue but to highlight the fraudulent and deceptive business practices as I stated in my initial complaint against XXXX XXXX XXXX. In XXXX of this year I got a bill from XXXX XXXX XXXX for a past due account that is not mine. I explained to XXXX over many calls that my mobile service for the last 6 years has been through XXXX and with XXXX XXXX  prior to that time frame. I also advised that my current internet and cable service is with XXXX XXXX and prior to that with XXXX XXXX. Upon explaining this, at no time was any of the managers I spoke with able to find the product or billing info of the XXXX & XXXX account. But XXXX XXXX XXXX sent the account to collections anyway with XXXX XXXX XXXX XXXX and Transunion is now reporting a fruadulent account that they did not even verify it it was mines. XXXX XXXX XXXX response after I complained to the CFPB, was to send me the attached form within to be completed online so they can investigate my complaint. The problem is that the web address for the complaint they reference in the letter does not exist at XXXX. I have attached the letter and the XXXX search that shows no XXXX XXXX XXXX site listing for the web address noted. I am tired of the games these companies and CRAs are able to play while corrupting my on time payment history with an account that does not belong to me. I want the account deleted immediately. It is a fraudulent billing, they have given a fraudulent web address to respond too, because they practice fraudulent procedures. I want this account deleted immediately!
Product: Mortgage

I purchased the property in question on XX/XX/2014. However, the Seller engaged in a number of fraudulent activities as they relate to making structural changes to the property, but not divulging those changes to me. The Seller failed to abide by the XXXX Building Code Laws which required him to submit proper plans and pull a permit prior to making said changes. He never did that but failed to divulge that at any time during the acquisition process. Primary Residential Mortgage, Inc., XXXX, XXXX, suspected that some was wrong with the property and ordered to separate appraisals. However, they never requested that the appraisers verify that legal permits were pulled given all of the alterations made by the Seller. They failed to exercise the necessary due diligence under the Dodd/Frank Law. If they had requested that the appraisers verify that legal permits were pulled, I would never suffered the {$180000.00} in damages that I am attempting to sue them and the Seller for ; they were sloppy in abiding by the Dodd/Frank law.
Product: Money transfer, virtual currency, or money service

This refers to my previous complaint - Truist Case # XXXX CFPB closed the case after Truist wrote you that they reached out to me. 
As I related in my feedback, XXXX XXXX sent me another XXXX sets of application forms for a wire transfer PIN which I returned to them on XX/XX/XXXX. 

On XX/XX/XXXX, I received an email from XXXX XXXX, the branch manager, saying he had filed the details electronically and that I would receive confirmation within a few days. 

On XX/XX/XXXX, I emailed XXXX XXXX querying why nothing was happening and stressing that I was now being stretched financially due to not being able to access my account. 
I copied that email to XXXX XXXX on XX/XX/XXXX, but to date I have received no reply from either party. 

XXXX, XXXX I called XXXX XXXX XXXX and left a message on her voicemail but got no response. 

XXXX XXXX XXXX Assistant Vice President Client Resolution Senior Specialist Client Advocacy XXXX XXXX XXXX, VA XXXX XXXX : XXXX Direct : XXXX I am rapidly running short of funds - can you please help me
Product: Checking or savings account

Received a mailer with an bonus offer for switching to Citizens. 
It asked me to go to their website citizensbank.com/checkingoffer and enter offer code XXXX. I did that and it let me proceed. 
I chose Quest Checking and entered all my personal information, including Social Security Number. 

After all information was given to Citizens Bank, I received a message saying they could not validate the offer code, and asking me to continue without the bonus. 

I find this absurd that a bank sent an offer that doesn't work, and that it only tells me at the end after providing all my information even though the first input I provided was the offer code. 

See attached the mailer and the screen error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Reporting act XXXX, Account name- XXXX  XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Woman named XXXX XXXX called approximately 8 family members threatening " Service '' if I did not respond within an hour. She was very rude and demanding of my family members. She also shared personal information to at least one member. I do not know their process for contacting supposed family members, however if they shared this with one person who else did they share it with. Additionally they refused to name who they were beyond a collection agency. They then called me ( AFTER calling all the members in my family ) from XXXX leaving me a message telling me to contact XXXX to set up payments. When I called this number it was a generic answering machine. I advised them that they are not allowed to threaten me with legal action and that if they wish to serve me they should have my address on record if they are a legitimate company.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 : LIST OF ACCOUNTS TO BE REMOVED XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX balanced {$1700.00} These accounts has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and that no one seems to care, that I want to disputespecific records in my credit file that do not belong to me, or that I have signed anyagreement. The items I'm challenging have nothing to do with any transactions I've done orauthorized to gain products, services, or money. Please remove the following items : XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX ; Bankruptcy XXXX XXXX XXXX Date XXXX Reference # XXXX ; Certified Credit Repor XX/XX/XXXX ; XXXX XX/XX/XXXX ; Certified Credit Rep XX/XX/XXXX ; Certified Credit XXXX ; XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Balance {$0.00} ; XXXX XXXXXXXX Balance {$0.00} ; XXXX Balance {$0.00} ; XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; Credit XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with TransUnion and they keep saying they verified a bankruptcy in my name with the courts. I have a letter from the courts stating that they do not communicate with credit reporting agencies. So TransUnion is lying about verifying the bankruptcy that they are reporting. I have tried to dispute this with them several times and provided the court letter which they verified that they do have, but they still will not remove the inaccurate bankruptcy from my credit report. This situation is causing me a great amount of stress. It is illegal for them to so this. I am again, attaching the letter I received from the court for TransUnion to review and remove the bankruptcy. This letter proves that they lied about who they verified my bankruptcy with, therefore the bankruptcy must be removed. Also, I would like the name of the person and company that they are claiming they verified this bankruptcy with. It is my right to request and for Transition to provide proof under the FCRA provisions 609 and 611.
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 NUMBER : 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 XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX XXXX XXXX  XXXX : XXXX 2. XXXX XXXX XXXX - Account Number : XXXX 3. XXXX : Account Number : XXXX 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 XXXX 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 XXXX  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: Student loan

I received a loan from XXXX XXXX XXXX, which was backed by XXXX XXXX. Both companies went bankrupt one year later. I did n't receive loan information for several years, as it was being mailed to my parents home, not my current residence. When I tried to discuss my options, the company that took over the loan, American Educational Services, said that they had already put the loan in default, so I could start paying down my debt but at any moment the loan could go into default. The default notice was sent in XXXX. I spoke to them personally for the first time in XXXX. They will not talk to me about my payment options until the loan goes into default, which is entirely unpredictable at this point. In the meantime, I continue to get hits on my credit report. I currently have a nonprofit career and likely would have had IBR if I had information about the loan from the beginning. The amount to pay to fix my credit is insurmountable, and I want to start law school and eventually gain bar admissions.