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

I am writing to formally address a serious matter concerning the unauthorized disclosure of my credit information. As an individual deeply impacted by my upbringing and surrounding environment, the safeguarding of my personal data is of utmost importance to me. My unique circumstances have instilled in me a strong awareness of privacy and the critical need for consent in sharing sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - " Permissible purposes of consumer reports, '' it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned. It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information. 

Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court. 

I have taken the necessary steps to report this breach of the FCRA to the Consumer Financial Protection Bureau, the Attorney Generals Office, XXXX XXXX XXXX XXXX, and the Federal Trade Commission. This escalation is aimed at ensuring comprehensive resolution and to prevent further misuse of my personal information. It is my hope that by involving these regulatory bodies, we can facilitate adherence to legal standards and protect the rights of consumers like myself.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 consists of a collections account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$54.00}, and a collections account opened at XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$470.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 XXXXXXXX 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: Checking or savings account

I have removed someone from my checking account two weeks ago and they used a check to withdraw money from my account. We were both still on the checks and I didn't know they still had them. When removing them from the account I asked the banker if they would have any access to my account or the money in it and they said no. I called Chase and they told me it is up to me to get the money back because both of our names are on the checks even though she is not on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

At some point all three credit reporting agencies should stop blocking me from getting what the federal government is guaranteeing the US consumer. And that is weekly annual credit reports from Equifax, XXXX and XXXX. All three are still restricting us access to get the Free Annual Credit Reports. This has been going on for awhile, and it is being allowed to keep us from seeing how our credit scores are being suppressed. Now we have a perfect paying history, no late or missed payments on any of our accounts. No negatives or anything that could negatively impact our credit scores, yet my XXXX score is XXXX and my Equifax credit score is XXXX. My XXXX is XXXX and that is because XXXX limits their third part access into the consumer credit data. 

The goal is to keep our score low and make our accounts XXXX. 

We have been disputing this and all three credit bureaus have been consistent to NOT CORRECTING these intentional errors
Product: Money transfer, virtual currency, or money service

I was trying to make a distribute around 2020 and a so helped me out not being ver helpful of course because its not an human I dont understand why a XXXX XXXX help me with my problems they said theyll call and never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting injuries that I have reported has fraud ; I have a fraud alert and my report is supposed to be frozen, so are are injuries keep popping up on my credit report. XXXX - XX/XX/XXXX ; XXXX XXXX  - XX/XX/XXXX ; XXXX  XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They are FRAUD so they should be REMOVE
Product: Vehicle loan or lease

I had my vehicle repossessed in the evening without even knowing and I tried to get my belongings back and they are refusing unless I pay a fee of {$50.00} to get my own belongings back.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to : 15 U.S. CODE 1681a - Definitions ; rules of constructions ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the TERM " consumer report '' does not include- ( A ) subject to section 1681s- 3 of this. TITLE, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report. 
THIS ACCOUNT ; XXXX XXXX XXXX : Have violated my rights According to the Fair Credit Reporting Act 1681 s 3 by Reporting late Payments. Payments are considered transactions, therefore late payments shall not be reported to my consumer report.
Product: Debt collection

Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g ( b ), you are required to provide proof of this debt, including a signed contract with my signature explicitly agreeing to the terms and the debt obligation to you. If you can not validate this debt within 30 days of receiving this letter, you are required to cease all collection activity, and the account must be removed from my credit report.

Additionally, under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), if the information regarding this debt can not be verified, it must be deleted from my credit report. As such, any unverifiable accounts can not be legally reported by credit bureaus.

Furthermore, 15 U.S. Code 1692e ( 8 ) prohibits debt collectors from reporting false or misleading information about a debt. Any inaccuracies related to this account must be corrected or removed immediately. Failure to adhere to these legal obligations constitutes a violation of federal law.

To resolve this matter, I am requesting : Proof of the alleged debt, including a signed contract or agreement bearing my signature.

Detailed information about the original creditor, the date of the debt, and the amount owed, including any fees or interest that have been applied.

Confirmation that this debt has been properly validated in compliance with the above-referenced laws.

Until you provide the requested proof, I demand that you cease all collection activities and refrain from reporting this alleged debt to any credit bureaus. If this matter is not resolved appropriately, I reserve the right to pursue legal action to protect my rights under federal law.Until you provide the requested proof, I demand that you cease all collection activities and refrain from reporting this alleged debt to any credit bureaus. If this matter is not resolved appropriately, I reserve the right to pursue legal action to protect my rights under federal law.

Please provide your response in writing to the address listed above within the legally required timeframe. Failure to respond adequately to this dispute may result in further action.
Product: Mortgage

In XX/XX/XXXX, I discovered a significant increase in my hazard insurance premium during an audit notification. PHH Mortgage, responsible for handling my insurance payments from escrow, claimed to have adjusted the premium and confirmed the insurance was active via their portal, mycoverageinfo.com. Trusting their information, I believed my insurance was in good standing. 

However, in XX/XX/XXXX, I noticed a puzzling refund of {$260.00} from PHH to my escrow account, which was unusual because the insurance portal still displayed my policy as active. No explanation for this refund was provided by PHH, raising my suspicions about the actual status of my insurance coverage. 

Seeking clarity, in XX/XX/XXXX, as my policy neared renewal and prompted by discussions with a contractor about potential roofing work, I checked my policy details. This led me to directly contact XXXX XXXX, only to discover from them that the supposed premium payment had never been received, and my policy had been canceled for over XXXX months. 

Realizing the gravity of the situation and its potential impact on my property 's insurance classification, I immediately initiated a " cash control escalation '' with XXXX to investigate the missing payments. This process confirmed that XXXX had indeed not received any payment corresponding to the alleged transaction reported by PHH. Consequently, this lapse in payment led to my property being classified as " high risk, '' significantly increasing my insurance costs. 

Faced with no coverage and an imminent need to secure new insurance, I received quotes as high as {$5000.00} due to the high-risk classification. Eventually, I managed to secure coverage for just under {$3000.00} ( please note : the quote on that was for {$3900.00} but after discounts and paying a whole year it dropped it right below XXXX ), which I paid out-of-pocket and retained all relevant receipts and documentation for these transactions. 

The misrepresentation by PHH, their failure to manage my escrow and insurance payments correctly, and the ensuing complications necessitated substantial personal efforts to rectify, including securing new insurance under financial strain. All communications with XXXX regarding these issues highlighted the serious discrepancies between PHHs reports and the actual status of my insurance coverage. 

This entire experience has not only imposed financial burdens but also significant stress, making it evident that PHHs actions were grossly negligent and fraudulently misrepresented, warranting further scrutiny and appropriate action to address these failures.
Product: Debt collection

I mailed this date ( XX/XX/18 ) a letter to A.R.M. Solutions regarding a debt they indicated of {$15.00}. indicating that I paid for a newspaper subscription in full. It ended. The XXXX XXXX continued to send me papers, after I advised their C.S.R. on the phone that I did not want to renew. I do not owe the XXXX or this debt collector anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX today ( X/XX/17 ) to place an initial 90 day fraud alert on my credit. Many people are taking advantage of this service following the recent Equifax hacks, and many more should be. This fraud alert is a free service that notifies you when someone tries to pull your credit info anytime in the next 90 days. The credit reporting service you call is apparently legally required to offer this and make sure that the other two services follow suit. 

Before you have the option to actually have your fraud alert set up, you need to decline two detailed pitches for their premier $ XXXX/mo credit monitoring service. This premier service they are describing sounds a XXXX of a lot like the free service they know you are calling about. The difference between these services was obvious to me but it may not be obvious to others, especially if they are panicked trying to protect their information. I understand a company exists to make money, but this is n't your typical company- these people control your most important, valuable and private information and you have no say in the matter. After a huge data breach from Equifax, these guys are trying to hawk some premier paid service to people who are taking proactive steps to protect their information before this happens again to the other two services. It may not be illegal but in my opinion it 's shady and blurs the line between service and profit. I would like to see XXXX offering this service elsewhere, not as a roadblock in front of this critical free service needed to protect your identity.
Product: Credit card

First I recieved a phone call from someone who said I was being sued over a debt I had and to call this phone number he gave me to talk tomsomeone regarding this debt. I called the number he gave me and spoke with a guy XXXX XXXX he said I was being sued for a bon ton credit card i had 15 years ago in the amount of around XXXX but i could settle this debt now and not be sued if I paid somewhere around XXXX dollars. I was freaking out I told him I did not have XXXX dollars, he told he if I gave him so much down and then i could give him the rest later. I had to give him a date I would b able to give him the rest. He said he sent me letter saying I was going to be sued but i never recieved them. Well when I looked at my bank statement the XXXX dollar payment was made to a company called XXXX in California. My wife did some research and found people online were being scammed in the same way I was being scammed. So I called XXXX and told him I was afraid I was being scammed and he said he would send me a statement, saying what I owed and other information, by email. I got the email and at the top it said his company name which is XXXX and XXXX. My wife immeadately looked them up online and nothing came up. So I called the bon ton they said they didnt have any record of my account and that the statue if limitations would have ran out on my credit card and that they couldnt come after me 17 years later for this debt. She said to look up my credit score and if there was something u owed it would b on there. So did that and there was nothing. I called XXXX back and asked him about the statue of limitations thing and he said well u made a payment on this acct a while back. I know for a fact that I have never made a payment on this card since the last one I made 15 years ago. I told him I was n't going to pay him anymore money. He said he was going to sue me. I was XXXX in my youth and made mistakes I 'm still paying, in bad credit, for, but these guys are taking advantage of people.
Product: Credit card or prepaid card

I am writing to express my dissatisfaction and disappointment with regards to the fraudulent charges made on my account. I have put Citi Bank on notice about the fraud on my account XX/XX/18 which I had held with them. I spoke with them and they confirmed that the account has claims of fraud. 

It has come to my attention that Citi Bank did not properly vet this account before selling it to your XXXX XXXX. As a result, I have been left with fraudulent charges that I did not authorize or make. This is unacceptable and has caused me a great deal of financial stress and XXXX. 

In summary, the FTC rules and guidelines prohibit the sale of fraudulent or deceptive goods and services, including debt. Sellers must provide truthful and accurate information about the products they sell and must not make false or misleading claims about their benefits or effectiveness. 

XXXX card account ending in XXXX.
Product: Debt collection

McCarthy Burgess & Wolff has unlawfully obtained and reported personal information to the credit agencys which is not an affiliated partner to XXXX XXXX, XXXX. Who gave you authorization to have my information and report it? Show me proof. Per the CFR Article 8 As a federally protected consumer I am now opting out of all and any authorizations. I the consumer may have written you, written, unwritten, verbal, and non verbal per 15 usc 6802. I am now asking them to cease and decist all communication with me including reporting my personal information to the credit buereas.
Product: Credit reporting or other personal consumer reports

RE : unauthorized inquiry to my consumer report ; demand for deletion and {$1000.00} settlement.

to. whom it may concern you are violation of the Fair Credit Reporting Act ( " FCRA '' ), ( 15 U.S.C1681b ( a ) 3 ( f ) ( i ), for unlawfully obtaining my XXXX XXXX report on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX without my authorization or a premissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA ) and its guidelines for premissible purpose. A person shall not use to obtain a consumer report for any purpose unless ; 1.the consumer report is obtain for purpose for which the consumer report is authorized to be furnished under this section.

2. the purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Civil liability for willful noncompliance { 15 U.S.C 1681n }
Product: Checking or savings account

Fraud on my checking account. Aware of this at XXXX XXXX today, suspicious check clearing my account. Called the 1-800 # and they moved to close my account but actually changed the account number. The agent scheduled an in-branch appointment for me for the next Business Day which is 4 days out ( holiday ). 

No reference number was given for my fraudulent inquiry. Now as I follow up with my account I do not have access to my fraud account information. I have no idea if there's a filed complaint or fraud complaint for my funds of {$2400.00} leaving my account. 

I went into the branch for in-person help. No luck, all they can do is to call the same number that I called. No additional assistance at all. Waste of time. 

Phoned the 1-800 # again asking for assistance to make sure that a fraud case or file has been opened. Without a reference number I can not get any information, ZERO! This is my account, my funds going missing. 

Wells Fargo failed to provide me with a fraud case or reference number. They have blocked me out of my account information regarding the fraudulent check clearing my account for {$2400.00}. I want action on this immediately. 

Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to the investigations that I asked for the accounts listed below : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX In my request. I asked for verification of these accounts including ledgers and contracts with signatures. However, transunion has failed to provide me with valid proof of the existence of these accounts. I am demanding removal of all accounts listed above due to failure to provide accurate and valid proof. 

FCRA laws prohibits the misuse and unfair practices of misinformation on credit report.
Product: Mortgage

I am currently in the process of paying off my Home loan for my primary house. 
The servicer ( Mr. Cooper ) also holds an escrow account to pay my taxes and home insurance. 

At this point there is {$1400.00} in my escrow and I owe less than {$980.00} in my principle. 
But they didnt just close my loan and send me the extra, they continue to charge me interest on my loan. 

Additionally when I called them about fixing this, they told me there is a {$25.00} fee to request a payoff quote. I dont wish to request a payoff quote but they force you into requesting one. Additionally they charge you an arbitrary fee for this quote. There website states " A preparation fee of up to {$30.00} may apply to each payoff quote statement we generate. 
From : //www.mrcooper.com/XXXX> " The Key phrase is up to, and what is to stop them from increasing this to whatever they want? 

When I signed up and borrowed money for my house, I was not made aware of this fee ahead of time, I never agreed to it, and as far as I can tell there are no regulations around this fee. 

Can anything be done to let borrows know ahead of time about this fee and to make sure it is consistent across lenders so when they transfer your loan the new company can't charge whatever they want. 

The next problem is instead of closing my loan they are trying to transferred it to XXXXXXXX XXXX at the end of the month! 

You shouldnt be able to transfer the loan with 1 month left on the loan that seems ridiculous! Especially when they already have the money in the escrow account! 

Finally there website and their customer service states, Payoffs must be made via certified fundswire transfer, money order, or cashiers check. Please do not send personal checks, certified personal checks, or cash. 
From <https : //www.mrcooper.comXXXX> Again this was not outlined anywhere in my loan terms and agreements. Every one of these methods involve an additional cost that was not specified in the agreement.

To Summarize : 1. When the company has enough money to cover the loan in the escrow they should end the loan without charging you a payoff quote 2. Payoff quote fees should be mentioned before you take out a loan and should be fixed based on price when you take out the loan. Services shouldnt be able to charge you whatever they want and list arbitrary amounts like up to. 
3. If servicers change how they will accept payments on the last payment that should be clear when you borrow the money, and shouldnt be servicer dependent.

4. If you are paying your loan on time without ever missing a payment, the servicer shouldnt be able to transfer your loan in the last 3 or 4 months of your loan.
Product: Credit reporting or other personal consumer reports

THIS IS NOT A DISPUTE REQUEST. 
DO NOT FILE A DISPUTE. DO NOT ADD A SECURITY ALERT TO MY FILE. DO NOT MAIL A COPY OF MY CREDIT REPORT. I called TransUnion on XX/XX/year>. XXXX dialed ( XXXX ) XXXX. Because TransUnion has excessive hold times, I requested a call back. About 45 minutes later I received an inbound call on or around XXXX XXXX  XXXX. It was a female from XXXX XXXX. She asked for my email address and phone number. I responded " no thank you '', and she immediately said " goodbye '', and deliberately disconnected the call. Consumers are not required to provide their telephone number or email address in order to file a dispute by phone. The XXXX  XXXX agent 's conduct was unprofessional and inappropriate. Please sanction the employee and TransUnion.