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

TransUnion, XXXX and XXXX do not have my consent, verbal, non-verbal, written, non-written to share my information with any financial institution. This is a violation of the Privacy Act 1974. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and TransUnion 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. '' 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. 

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: Debt collection

I got a phone call from the collection company Fidelity the lady was extremely rude when I educated her I didnt live at the property for at least a year the bill there calling about. She didnt give me an option to dispute it. I never received any notification even though I informed them I didnt live at the service address over 1 year. There was no room to talk to the rep before I disconnected the call. One day it showed up on my credit out of nowhere. This company has zero intentions to try to get a resolution for the consumer like me just the company.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Credit reporting or other personal consumer reports

I

am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
X
Product: Checking or savings account

I sent a payment to XXXX XXXX. This was not a fraudulent payment. The Navy Federal representative said XXXX said this payment was fraud. It was not fraud. He sent affidavit.
Product: Debt collection

Collector has called multiple times threatening to call my manager at work and tell them that I am not paying my bills and to garnish my wages. 

Last call was XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I purchased a XXXX XXXX XXXX at a XXXX grocery store on XX/XX/21 with a preloaded balance of {$50.00}. On XX/XX/21 I opened the gift card and registered it online at XXXX, however when I attempted to make an online purchase the card was declined. I called the telephone number on the back of the gift card XXXX and spoke with 3 different representatives who all advised that the card was placed on hold for fraudulent activity that occurred on XX/XX/21 which was prior to my purchase of the card. The company offered to mail a new gift card within 5-7 business days, but could not guarantee that the new card would not be flagged for fraudulent activity. I requested the company refund me the {$50.00} and I was informed that the money is still there, but I would not be able to access it because the card has been flagged. All 3 representatives refused to transfer me to a supervisor after multiple requests and eventually hung-up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence. Engelhart v Gravens ( mo ) 281 SW 715,719, I presume that no proof of alleged debt nor therefore any such debt, in fact therefore exist. 

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

On XX/XX/XXXX, I became a customer of XXXX XXXX located XXXX XXXX XXXX XXXX, XXXX ; Missouri ( XXXX ). On XX/XX/XXXX, I filed a civil complaint with the XXXX   District Court of Missouri located XXXX XXXX XXXX XXXX, XXXX   XXXX, MO XXXX, United States. Details of the complaint filed with the XXXX  District Court of Missouri can be found by following this link : XXXX XXXX XXXX. When I filed a civil complaint with the XXXX  District Court of Missouri, I proceeded in Forma Pauperis because of my inability to pay court proceedings. Representatives of the XXXX District Court of Missouri have afterwards requested for my financial records via postal mail they have sent to me. On XX/XX/XXXX ; I contacted XXXX XXXX via e-mail and asked that they mail all financial records they have of me to the XXXX   District Court of Missouri. XXXX XXXX  have not responded to my request. I was previously also a customer of Bank of America. I created a checking account with Bank of America in the summer of XXXX. I was also a customer of XXXX XXXX. I created an account with XXXX XXXX in XXXX - XX/XX/XXXX. On XX/XX/XXXX ; I have filed bankruptcy with the Department of Justice ( Executive Office of the Trustee ).
Product: Mortgage

I made an additional principal payment on loan with NewRez LLC and I receive emails and can look up my statement online only to see that they show that I have paid early and owe nothing on my next month 's payment. ( This means they did not put the money down as an additional payment but used it for my next payment due. ) Then I receive my monthly mailed statement and NewRez withdrew the payment due, meaning they did not put the money down as an early payment but as additional payment to the principal. At least I hope that is what they did because no one will answer my queries.
Product: Credit reporting

Experian reported that there was a " hard '' credit inquiry from a credit card merchant processing company on XXXX XXXX, XXXX on my personal credit bureau report. That was not for me personally ; it was made in error. I contacted them directly, since they are a credit card merchant processing company, and I am the XXXX Financial Officer of our company, and we have been a client of theirs for over six years. What happened is that back last XXXX XXXX we requested a new Merchant ID for XXXX of our divisions, and I signed off on the applications ( as I always do ) as the XXXX of our company. 

After contacting them, and speaking with our client representative, and later with other staff of them, I found out that someone in their Underwriting Department made an inadvertent mistake, and ran my personal credit report, instead of running a XXXX & XXXX ( or something similar ) on our company. Since I am not an owner of our company, only an officer, they should not have had access to my social security number, and they should not have done a " hard credit '' inquiry on my personal credit report. And they understand that, and have apologized to me. But they did not contact, to the best of my knowledge, Experian, to clear up the matter. 

So, I sent a letter to Experian dated XXXX XXXX, XXXX, and I informed them of this matter, and I asked them to please remove that hard credit inquiry from my credit report. However, they sent me a copy of my credit report back, dated XXXX/XXXX/XXXX, and did not specifically say how they handled it, but it still showed up in the " hard credit inquiry '' section. Somewhere in their documentation they insist that they simply must report all companies that legitimately request a credit report, and it counts as a hard inquiry. And it does not appear to me that they have any intent to do anything about that, regardless of the circumstances. They did not reach out to the credit card merchant processing company, to the best of my knowledge, and thus the issue is probably " resolved '' in their minds, but certainly not in my mind.
Product: Debt collection

THEY CALL ME ON MANY OCCASION WITH MANY DIFERENT NUMBER EVEN USING SPAM THEY KEEP CALLING ME THIS ACC WAS CLOSE CHARGE OFF SINCE 2015. THEY ALSO CALL ME AGAIN I TOLD THEM WITH COVID 19 DONT HAVE NO MONEY STOP HARRSING ME OR CALLING ME. THIS WAS A SETTLED AND THE ACC WAS CLOSE CLOSE THIS ACCOUNT ALSO MY INFORAMTION WAS SHARE WITH OTHER COMPANY NEEDTO RESPECT MY PRIVASY HIPPA LAW
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, National Credit Adjusters , LLC ( NCA ) added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold to multiple companies. I am not responsible for this account. I have attempted to dispute this information numerous times with all credit bureaus as an attempt to receive correspondence from the debtor with more information. The debtors creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA, National Credit Adjusters ( NCA ) has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Mortgage

My loan was transferred to Truist Bank and ever since then it's been a complete nightmare trying to set up an online account to pay my monthly mortgage payment on time. The website is unable to find my loan and continually says the service is unavailable. Trying to call Truist just leads me to a never ending cycle of waiting to be connected to a customer service representative ( 20+ minutes at least every time ), the customer service representative offering to connect me to tech support and then being placed on hold and being transferred back to the main menu instead of tech support. I have wasted literal HOURS on this and there is no solution or end in sight. Is this company run by a bunch of mice in a trench coat? Because I could not imagine an actual human being running a company so incompetently.
Product: Payday loan, title loan, or personal loan

I obtained a loan for a XXXX XXXX XXXX XXXX from my XXXX so that I can attempt to XXXX. The loan amount was paid directly to the doctor however after having an XXXX XXXX it was discovered that the XXXX were never removed meaning although I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  therefore, I am requesting to no longer be obligated for the loan I obtained and that the loan company retrieve payment from the Doctor Who they paid to complete the procedure. ( XXXX XXXX XXXX ) no one at the medical facility is contacting me back and no one that at XXXX XXXX XXXX is attempting to resolve the issue or contact me back either.
Product: Student loan

I applied for the XXXX in XX/XX/XXXX. I have worked for the same school since XX/XX/XXXX and have made monthly payments for my loan since XX/XX/XXXX. Mohela has been giving me the run around for almost a year now, saying I only have XXXX out of XXXX required eligible payments to qualify for XXXX. However, they need to count payments from XX/XX/XXXX- XX/XX/XXXX. 

XX/XX/XXXX : Spoke with XXXX, who says that Mohela is waiting on the XXXX XXXX XXXX, and it takes a while. 
XX/XX/XXXX : Spoke with XXXX, who said she will have her XXXX call me back to figure out what is happening. No one returned my phone call. 
XX/XX/XXXX : Spoke to XXXX, who submitted a rework request to management to determine why they continue not counting 70 months of payments. I also resubmitted another employment verification since they said they could not count my work from the original application to XXXX. It shouldn't matter, though ; I've made the payments, but I had my employer sign off and verify my employment. 
XX/XX/XXXX : I spoke with XXXX, who said I needed proof of payment from XX/XX/XXXX - XX/XX/XXXX, so I uploaded proof from XXXX that I made payments every month and did not skip any. He verified he received the document and said I would hear from Mohela in 30 days. 
XX/XX/XXXX : I spoke to XXXX, who now says that my loan was deferred during that period because I was in school. When I explained I was in school from XX/XX/XXXX - to XX/XX/XXXX, my loan was never in deferment, and even if it was, there are still 54 months of payments not being counted, she said it didn't matter. She said they would request to have the national student loan payment count, and I should hear back in XXXX - 14 days. 

This seems like a scam to me, and I am being singled out because I have proven that I make my payments on time and have been a responsible loan borrower. I have done everything required and sent everything requested of me, confirming that I have made payments for 20 years without missing a month, all while working for the same school district. It seems convenient that I am 2 months shy of meeting the requirements, but I've proven that I have 70 months of payments that needs to be counted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company multiple times. As shown in my history with cfpb. The debt with this company was included in XXXX XXXX  by Westlake and I was advised I was not responsible for the debt. Was discharged from XXXX XXXX XXXXXX/XX/XXXX and received discharge notice as well as letter from Westlake showing debt discharged and I'm not responsible. Westlake as of XX/XX/XXXX has went in and updated my report to show 5 months late XXXX XXXX XXXX XXXX XXXX all dates after my discharge date of XX/XX/XXXX. They have since updated my account credit report which once indicated discharged in bankruptcy to a charge off and dropped my score XXXX points. No reaffirmation agreement was signed.
Product: Mortgage

Ever since the origination of this mortgage, US Bank has refused to recognize the XXXX XXXX Homeowners insurance we purchase every year to satisfy the requirements of the mortgage. They continue to add their own policy to the mortgage even though we have provided the bank with proof of coverage. On occasion, they will apologize and give us a credit, but the next year we start all over with the bank adding yet another policy to the mortgage. This has been going on for 5 years. 
Different officers at the bank assure us the problem will be corrected and they will call us back. Never happens. At this point we have no idea how much the bank has added to the mortgage. 
Recently I received a letter informing me the bank was reporting late payments to the credit bureau. 
This mortgage does not have an escrow account, so we purchase insurance, pay taxes, etc., directly.
Product: Credit card or prepaid card

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX / XXXX / ( XXXX ) XXXX Citi card # XXXX XXXX XXXX XXXX Dollar amount : {$1800.00} Description of problem : On XX/XX/XXXX I had 5 charges made to my credit card ( XXXX ) that I did not make. A claim ( Citi card Fraud division ) was filed on those charges. 
I had Citi card cancel the card ( XXXX ) and a replacement was requested ( XXXX ). 
On my statement dated XX/XX/XXXX Citi removed all the charges ( Security Credit- Item Under Investigation ). 
On my statement dated XX/XX/XXXX security credit reversed the charge of {$1800.00} -XXXX. 
Since I did not make or authorize this charge, I am requesting {$1800.00} be removed from my account. 
Also, the interest charge incurred because of the {$1800.00} charge be removed from my accounts. 
All the charges were made in California and both XXXX charges were made on the same date and at the same store. 
Since XX/XX/XXXX I have made several calls to the fraud department to resolve the problem ( {$1800.00} ) to no avail. 
All the while for the last 3 months my interest charge has increased because of the incorrect charge. 
The Electronic Funds Transfer Act ( EFTA ) protects checking accounts and debit cards from unauthorized charges. 
The Truth in Lending Act ( TILA ) protects credit cards from unauthorized charges This problem needs to get corrected. 

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

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX XXXX XXXX XXXX  ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. NEED REMOVED FROM TRANSUNION ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureasus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. Also I have multiple collections on my report when The Fair Debt Collection Practices Act makes it illegal for debt collectors to harass or threaten you when trying to collect on a debt. This grounds for removal they also violated my rights under 15 U.S. C. 1682 Section 602A section 2 Statees I have the right to privacy 15 U.S.C 1681 Section 604A also States a consumer reporting agency Can not furnish a account without my written instructions. 

Also the credit bureaus took more than 30 days to complete my investigation.
Product: Debt collection

I disagree with the accounts listed below which still appear on my credit report, even after your investigation. I would like the below items reinvestigated and removed for inaccuracies. The accounts are severely affecting my credit score ( PORTFOLIO RECOVERY ). Please provide the names and business addresses of each company with whom you verified information so I may follow up. Please send me an updated copy of my credit report after your reinvestigation. This information being reported is inaccurate and should be removed.