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

15 U.S.C 1681 section A section 2 also states a consumer reporting agency can not furnish a account without my written instructions ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in con 15 u.s.c 1681 section A states I have the right to privacy These accounts violates my rights XXXX Funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Product: Debt collection

on XXXX, I received a call from XXXX XXXX XXXX XXXX and they provided false information regarding a supposed loan that I took out with CashNet USA on XXXX. XXXX XXXX at XXXX XXXX XXXX XXXX at XXXX xt XXXX advised I owed {$600.00} for a payday loan - loan # XXXX. She advised a civil action will be filed unless i take out an agreement to pay the amount. 

on XXXX, I called CashNet usa at XXXX and spoke with XXXX. She advised I do not have any loans outstanding and my last loan was paid in full in XXXX I do not owe anything to CashNet USA. 

XXXX sent me an agreement to sign. when i opened the document, it states merchant is XXXX XXXX her email also does not have an email address tied to XXXX XXXX XXXX XXXX, hence i am thinking this is not legitimate and fruad and i wanted to report it.
Product: Debt collection

I went on XXXX and found that XXXX, XXXX XXXX, is also Portfolio Recovery which ALSO calls XXXX a day.
Product: Money transfer, virtual currency, or money service

Below is described a sequence of events from the start of the issue to present day. 

- Check deposits by H ( me ) on XX/XX/XXXX at a Wells Fargo ATM $ XXXX + $ XXXX + $ XXXX = a total of $ XXXX. The checks were issued by XXXX 's father to give H money to acquire some shares of a family house on XX/XX/XXXX. 

- H obtains a receipt from the ATM for the deposit stating that the deposit will be reviewed. No money or information on the deposit is visible on my account in the next hour. H calls Wells Fargo customer service immediately to file a claim and is told that the checks are under review and resolution XXXX take XXXX business days. 

- Seeing that nothing was happening leading up to XX/XX/XXXX, XXXX tells Wells Fargo that he is going to get the money via a wire from his father ( sent on XX/XX/XXXX ) instead and asks if the check processing can be interrupted. 

- Despite H 's request, the check deposits still go through and money is pulled from XXXX 's father 's account at XXXX on XX/XX/XXXX. 

- H waits to see if the money from the checks will reach his account after being pulled from the issuing account. 

- Nothing happens for several days and H asks in person on XX/XX/XXXX for Wells Fargo to act so the money is either returned to XXXX or gets deposited on XXXX 's account. An email thread including XXXX XXXX ( Wells Fargo ) and XXXX XXXX ( XXXX ) is opened on XX/XX/XXXX formally asking in writing for a resolution. 

- XXXX also investigates the issue and confirms that all three checks have been processed and pulled from XXXX 's father 's account. No further action can be taken by XXXX since the checks have been fully processed. 

- A case is opened at Wells Fargo by XXXX XXXX on XX/XX/XXXX - case number XXXX. 

- Nothing happens for several more days. H inquires again and asks for action. 

- On XX/XX/XXXX, XXXX XXXX opens another case - No XXXX. 

- Nothing happens until XX/XX/XXXX. No information is provided back to XXXX XXXX money is credited to XXXX 's account. 

- On XX/XX/XXXX, H asks XXXX XXXX by email : Can I please have the name and email of someone at a high enough level to get Wells Fargo 's mistakes corrected? He also asks that the money ( $ XXXX ) be credited to his account by Wells Fargo immediately, regardless of the status of any current case. 

- Today is XX/XX/XXXX. The money is still lost somewhere at Wells Fargo and is still not on XXXX 's account. 

- At 5 % rate of return ( T Bond ), this is costing H and father at least {$20.00} a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and a bunch of others at risk. I am extremely frustrated with how equifax handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it by social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX Subject : Formal Demand for Immediate Deletion of Student Loan Account Due to Unauthorized Data Breach To Whom It May Concern, It is imperative that the student loan account listed under my credit report, which has been compromised due to unauthorized access by the Department of Government Efficiency ( DOGE ) in direct violation of federal privacy laws, including the Family Education Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ), the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), and the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ), be immediately removed. 
Recent reports from XXXX XXXXXXXX and XXXX confirm that DOGE accessed sensitive borrower data without consent, violating my rights under FERPA, which strictly prohibits unauthorized disclosure of student loan information. Furthermore, under FCRA 1681s-2 ( a ) ( 1 ) ( A ), any account containing inaccurate, fraudulent, or illegally accessed information must be deleted immediately upon dispute. The Department of Education 's failure to safeguard my personal information renders this loan unenforceable and illegitimate. 
Additionally, under TransUnion LLC XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ), any credit report containing inaccurate or misleading information violates consumer rights and subjects the reporting agency to liability. Suppose this account is not deleted within 30 days. In that case, I will pursue legal action for damages of {$1000.00} per violation under FCRA 1681n and additional relief provided by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 
This dispute is not subject to verification with the furnisher, as the data breach voids any legitimate ownership of the account. Failure to delete the account will result in immediate legal action, including but not limited to complaints to the CFPB, FTC, and state attorney general, and demand for substantial financial compensation for the damages incurred, including but not limited to the maximum damages of {$1000.00} per violation under FCRA 1681n and additional relief provided by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 
You must delete this account immediately and confirm in writing within 30 days. I can not stress enough the urgency and importance of this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Chase bank is where my mortgage loan is with. On XX/XX/year> they charged me an escrow charge of XXXX for XXXX county taxes that I pay. I do not have an escrow account. When I signed papers for the mortgage I opted out of escrow. I do not have mortgage insurance so there is no need. I called on XX/XX/year> and had a 49 minute phone call with multiple staff members who assured me it would be corrected and it would take 14 days. My account has yes to reflect the XXXX pay back and they have charged me late charges which are not owed as I paid my normal mortgage amount. Concurrently they have reported me late on my credit report and it has cost me credit and the welfare of my family. Note : I had an outstanding balance and a mix up with funds for XXXX  property taxes which had been corrected. There shouldn't have been a late notice on my credit as it was not my mortgage and I had been in contact with the Tax department of Chase mortgage more than once.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXccount Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Basically they have been reporting late payments to the bureaus which is hurting my score because all my student loans were forgiving and paused
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Ford Motor Credit regarding significant inconsistencies and inaccuracies in the reporting of an account on my credit reports. Despite my repeated attempts to rectify these errors with both the credit bureaus and Ford Motor Credit, the discrepancies persist. The account details, as reported by XXXX and XXXX, exhibit discrepancies and incomplete information that remain unresolved. The account in question is outlined below : - XXXX lists the worst delinquency as None Reported, while XXXX categorizes it as Charge Off/Other Derog. 
- Inconsistencies exist in the payment history, with numerous months showing no data reporting. XXXX reports a charge-off from XXXX through XX/XX/XXXX and in XX/XX/XXXX, while XXXX does not report any of this information. 
- XXXX does not provide the date closed for this account. 
- XXXX does not report the terms of this loan. 
- There is no dispute remark, despite this account having been previously in dispute. 

Attached is a copy of the account details from my credit reports, illustrating these inconsistencies.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Since the beginning of this year and last tear I had to wait weeks or months to access my own money to use alternative funds to afford basic living expenses, forcing me to turn to credit cards or payday loans to make ends meet. I bank through Chime Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account listed on my credit reports by a debt collection agency, Account resolution services collecting on behalf of XXXX XXXX XXXX XXXX Account resolution services is not licensed to collect in the state of Florida and therefore I am disputing this collection account.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX, and XXXX are not investigating disputes. I have submitted Police report, FTC identity theft report, showing that accounts and inquiries don't belong to me and that my information was leaked in the Equifax Breach and they fail to remove fraudulent information from my credit report. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681, Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. 


Equifax announced that it had breached the data of approximately XXXX XXXX XXXX consumers. ( names, addresses, dates of birth, Social Security numbers, and drivers ' licenses numbers were exposed. )
Product: Mortgage

On XX/XX/2021 we received a letter from Select Portfolio Servicing with a mortgage assistance plan to make double payments for the next 12 months to get back on track.

I can provide the letter which states the following : " Right to Appeal You have the right to appeal any non-approval for which you believe an error has occurred by providing a written explanation of why you believe our determination was incorrect, along with all supporting evidence, within thirty ( 30 ) days of the date of this letter to : Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX You have thirty ( 30 ) calendar days from the date of this notice to contact SPS to discuss the reason for non-approval. No foreclosure sale will be conducted and you will not lose your home during this 30-day period or any longer period required for us to review supplemental material you may provide in response to this notice. If a foreclosure sale has already been scheduled, we will instruct our attorney to file a motion to postpone such sale. It is possible however that a court will deny the motion and the sale will proceed. '' On 4/21/2021 I sent and email to Select Portfolio Servicing requesting an APPEAL. and after speaking with our Relationship Manager on the phone, he gave me the instructions and what to include in my appeal email.

After 4 weeks I received a from an attorney stating our property would be sold on XX/XX/2021 at a public auction. A few days letter I received a letter from SPS stating my application for assistance was 'WITHDRAWN ''. The next letter I received from SPS stated that I was no longer eligible to mortgage assistance? I was perplex and devastated by the response as I was only following the instructions I was given in the letter. If the APPEAL was not an option then why would the suggestion be included in the Mortgage Assistance Letter dated XX/XX/2021? 

I just want a chance to make the payments and get my mortgage back on track. Select Portfolio Servicing stopped taking my payments and returned my payments I made in XXXX and XXXX. SPS has serious communication issues and drastic collection methods. We are a minority family trying to keep our home of 14 years. Our kids are getting ready to start high school and it would hurt their development by having to change schools. 

I am not asking for something that SPS was not willing to offer. They offered us a very difficult method to get back on track but it was the only offer so of course we want to start making the payments. Please help as they have scheduled the foreclosure on XX/XX/2021. 

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

After careful review of my consumer report again, I still noticed that you continue to furnish misleading and inaccurate information on my consumer report that should not be there pursuant 15 USC 1681i and 15 USC 1681e ( b ) Accuracy of Report ; You have furnished inaccurate information which is illegal! You've reported transactions and experiences that are to be excluded from the consumer report pursuant 15 USC 1681a ( d ) 2 ( A ) I and charge offs are considered income according to the IRS and excluded from the consumer report. You continue to violate my federally protected consumer rights so Im exercising my right to OPT-OUT of reporting these accounts on my credit file pursuant 16 CFR 313, The Gramm-Leach-Bliley Act and The Privacy Act of 1974. Im opting out pursuant 15 USC 6802, 15 USC 6803 and 15 USC 6804 ; any authorization given, written or verbal is now RESCINDED! It is effective immediately! I demand these attached accounts be deleted from all consumer reports including XXXX, XXXX, XXXX, and XXXX XXXX And according to the documentation provided by the Secretary of State Uniform Commercial Code Certification, there is no record of any lien from any company against me. I have supporting documentation from the Secretary of State to validate my claim. I also have proof of public legal notice, that all current liabilities have been transferred to the Revocable Living Trust `` Baker Legacy Preservation Trust ''. Therefore, the inaccurate and erroneous accounts must be DELETED from my credit file. I am exercising my OPT-OUT RIGHTS as you continuously violate my consumer rights, and I intend to accelerate legal actions pursuant 15 US Code 1681n - Civil liability for willful noncompliance -Please See Attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a gentleman who is a lender for Rocket Mortgage. 
I explained my auto him and after speaking he advised me to wait a few more months before applying for a mortgage. 
I never authorized a hard pull on my credit by Rocket Mortgage at that time and they pulled it anyways after advising me not to apply and sent me a denial letter for a mortgage I never applied for. 
They told me there was nothing they could do to reverse a hard pull and did not care at all that this affected my credit score. 
Ive also had unauthorized hard pulls from an auto finance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX .... Balance {$1000.00} ; Collection Associates Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$80000.00} ; XXXX XXXX XXXX .... Balance : {$200.00} ; XXXX XXXX XXXX .... Balance : {$63.00} ; XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

American Express is fraudulently reporting and trying to collect on a charge from an old credit card that I has back in XXXX the card was lost/stolen and my identity was used to make unauthorized charges, and now XXXX years later they sold the " fraud case '' to a collection agency. The collection agency keeps harassing me via mail, and phone calls, they have even sent a threatening letter to place me in jail if payment wasn't made on the old fraud/dispute case that has been settled and closed since XX/XX/2020. I have written proof that American Express got the money back and it was covered under the fraud protection act. The FDIC insurance claims protection for fraud was honored to my knowledge of paying back the fraud charges. this protection is for when you have any credit card and file a fraud dispute which I did in accordance with the law. However, It's like they want a triple payment, since XX/XX/2020 American Express considered the case closed and " wrote off '' the alleged debt. However, to my understanding, it was paid back under the FDIC fraud protection, and now falsely and illegally trying to collect a fraud/dispute case through a collection agency.
Product: Credit reporting

XXXX shows on my XXXX credit report that we filed for a CHAPTER XXXX Bankruptcy and that {$1200.00} was written off. The account history states : Filed Chapter XXXX Bankruptcy on XXXX XXXX, XXXX - THIS IS INCORRECT. 

When we advised XXXX of the error in the XXXX Credit Report they responded on a XXXX XXXX, XXXX letter that the ownership of this account had been transferred to XXXX XXXX and if I wanted more information on the account to contact XXXX. 
Several written attempts have been made to reach XXXX XXXX via correspondence. Phone calls have been met with a request to make payment on the account, despite the fact that the account has been satisfied via our XXXX Bankruptcy.
Product: Debt collection

Receivable MGMT Group is reporting adverse information to my XXXX credit report. I was never contacted, no letter, no invoice, no certified mail. This just appeared on my credit report. I do not owe them any money or have any account with them or signed contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; US SM BUS ADMIN ODA XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit card

I applied for the Chase Freedom Unlimited card online and was initially rejected due to " identity theft '' concerns, with Chase suspecting I hadnt made the application. After contacting Chase, I was instructed to visit a local branch, where my identity was verified through my passport and social security card. The branch banker called Chase to confirm this, and I was later asked to upload documents verifying my birth date and address, which I did. Shortly after, I was rejected again for the same reason : " identity theft. '' I called Chase again and was told, once more, to visit the branch. I complied, and this time the banker scanned and uploaded my passport into Chase 's system. I was assured that this would resolve the issue. Yet, just four days later, I was rejected a third time, again for " identity theft. '' This repeated cycle of rejection, despite my full compliance with all of Chase 's requests, is both absurd and deeply frustrating. How many times must I verify my identity before Chase stops hiding behind this baseless " identity theft '' excuse? Its clear that Chase is wasting my time and showing a complete lack of regard for its customers. This goes beyond poor customer serviceit 's an unreasonable and insulting failure in your process. I expect this matter to be resolved immediately.