23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I NOTICED FRAUDULENT INCORRECT AND QUESTIONABLE ACCOUNT ON MY CREDIT REPORT. THIS ILLEGAL ACCOUNT IS NEGATIVELY AFFECTING MY CREDIT REPORT AND HINDERING ME FROM BEING ABLE TO OBTAIN NEW CREDIT. I HAVE CONTACTED EACH BUREAU AABOUT THESE ACCOUNTS NUMEROUS TIMES AND THEY HAVE FAILED TO PROPERLY INVESTIGATE AND REMOVE THIS ACCOUNT. THEY USE DIFFERENT STALL TACTICS TO AVOID MY DISPUTES. I DEMAND THESE ACCOUNTS DELETED FROM MY CREDIT REPORTS IMMEDIATELY. IF THESE BUREAUS XXXX EQUIFAX AND XXXX CONTINUES TO VIOLATE MY RIGHTS I WILL SEEK LITIGATION DUE TO THE CONTINUED XXXX THEY HAVE CAUSED ME
Product: Debt collection

None of the above fit. every time we try to call a woman comes on and gives hours and says if you have reached this message every one is answering other calls and leave a message. After the message notice comes on it says the mailbox is full.
Product: Debt collection

Hello, its been 5-6 months and I have not gotten feed back on any of the items that's suppose to be disputed. By law after 30 days of no response the debt is suppose to be deleted of the report. I know my rights and you guys should look into it.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving collection phone calls and mail, I reviewed my credit report and noticed accounts and inquiries that were listed that did not belong to me. I contacted the credit reporting agencies and the companies listed but nothing has been deleted from my credit report. Included below, and attached is the letter that I sent to XXXX, Equifax, and XXXX. 

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTION to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Thank you for your timely response to this matter.
Product: Debt collection

Didn't receive enough information to verify debt BOA info called at XXXX XXXX XXXX XXXX. transferred call to line that hung up. 
XXXX XXXX. 
was unable to accommodate said she was transferring call to supervisor. XXXX hung up at XXXX XXXX XXXX XXXX refused to accommodate then stuck me on hold at XXXX Came back at XXXX discussed until XXXX then put on hold again. 
Came back at XXXX, put me on hold without notice at XXXX Said she could only make a unilateral complaint but refused to keep me in the process. 
Came back at XXXX said she would file complaint but could not accommodate. 
stuck me on hold again without notice at XXXX without any accommodation. 
XXXX she hung up without returning. 

XXXX called back, XXXX XXXX. was rude and refused to accommodate, stopped talking at XXXX came back at XXXX and thanked me for my patience. then was rude again to me and hung upon me at XXXX XXXX XXXX, XXXX, put me on hold at XXXX, came back at XXXX, put me on hold at XXXX, came back at XXXX, ask same questions again. put me on hold at XXXX, XXXX at XXXX said she was putting me on hold again, she said for 2 minutes. 
She came back at XXXX, I asked the date of whatever transactions she was talking about for over 30 minutes she refused to say what I owed them money. at XXXX she transferred the call without notice. 
at XXXX XXXX XXXX XXXX XXXX ) picked up, she then said the bank opened an account for me and then that account was overdrawn. She then transferred to a supervisor in collections. the supervisor refused to accommodate MY XXXX AND TRANSFERRED THE CALL TO XXXX a manager who said she would not discuss accommodating my XXXX was abusive and then hung up on me at XXXX They kept me on the phone for over 4 hours running me in circles refusing to say what any debt was for refusing to say the date I became INDEBTED. They XXXX  the XXXX out of me kept making fun of my conditions and dictating to me what my abilities should be in their eyes. 
From my recordings and documentation and the numbers they provided to me I do not owe them anything. 

XXXX XXXX XXXX i requested supervisor he hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I see that some of the information were erroneous. The 3 credit bureaus are required to revalidate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXX Balance : {$4800.00}, XXXX XXXX XXXX Balance : {$3800.00}
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORT ACT. THE LIST OF ACCOUNTS HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.S.C. 1681XXXX XXXX XXXX XXXXK XXXX # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX ACCT # XXXX 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE RIGHT TO PRIVACY 15 U.S.C. 1681 SECTION 604 A SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C. 1681c { A } { 5 } SECTIONS STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING OF THE FOLLOWING ITEMS OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY SEVEN YEARS. 15 U.S.C. 1681s-2 { A } { 1 } A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THEPERSON KNOWS OR REASONABLE CAUSE TO BELIEVE THAT THAT THEINFORMATION IS INACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to covid I applied for forbearance for 6 months, I was advised that while the application was in progress there would be no impact to my credit. 

My credit score dropped XXXX points. 
The forbearance was approved until XXXX. 

My credit score has remained low even though I was advised there would be no impact while the application was processing This happened before and I had to submit a complaint. 

I have a XXXX and my home is in need of emergency repair due to my XXXX XXXX XXXX XXXX. I am not able to obtain any loan to resolve the issue due in part to my credit score. 

This is urgent as my home is having environmental and sanitary issues. XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX, XXXX and XXXX as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of this unauthorized credit inquiry on my credit report. I did not authorize anyone employed by this company to make any inquiry and view my credit report. I also do not have an open account with your company. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I formally request that you delete this inquiry immediately from the credit file that you maintain under my Social Security number.
Product: Debt collection

ACCORDING TO THE PROVISIONS OF THE FAIR CREDIT REPORTING ACT 611 ( a ) 15 USC 1681i ( a ), these disputed items must be reinvestigated or deleted from my credit report within 30 days. During the investigation preiod, these item must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am requesting the names, addresses ad telephone numbers if individuals you contacted durning your investigation.
Product: Checking or savings account

On XX/XX/year> i tried to facilitate a transfer, it didn't go through. i called Marcus, after speaking with XXXX different people they told me my account is being closed. Every representative i spoke to told me different information, XXXX person told me my account was closed that day, another person told me 3-5 days ago it was closed. I ended up speaking to supervisor who told me the best she can do is submit a claim/ticket/case. 

I called again on XX/XX/year>, the person i was speaking to told me again my account was closed. However she sees no case or ticket submitted. She also told me that my account was closed today, also that it will take 10 days not 45 days. Nobody there is giving me accurate information. This is insane. I was not even informed my account was closed. I had to call up, they have no answers or clarity. i have almost {$800000.00} in my account frozen and they have no idea.
Product: Mortgage

In XX/XX/XXXX, XXXX XXXX sold my mortgage to Mr. Cooper without notifying me. After Mr. Cooper took over the loan, they decided to stop my automatic payments, again without notifying me. I was completely unaware of this until XX/XX/XXXX, when I checked my credit report and found I had missed several payments. These missed payments were reported under " XXXX Mortgage XXXX, '' which I later confirmed was related to my original mortgage with XXXX XXXX. 

Upon discovering this, I contacted XXXX XXXX, who informed me that my loan had indeed been sold to Mr. Cooper. When I contacted Mr. Cooper to inquire why my auto-pay was stopped, I was told they had attempted to contact me for months via phone, email, and mailnone of which I received. 

As a result of this miscommunication, my property was on the verge of foreclosure, forcing me to pay attorney fees to reverse the foreclosure process. I have asked Mr. Cooper why I should be held responsible for these fees when the situation arose from their failure to notify me of changes to my account. Unfortunately, I have not received a satisfactory explanation. 

I believe this situation was caused either by negligence or bad intent, and I would like to request your assistance in resolving this matter. I am seeking to recover the attorney fees I incurred and ensure this does not negatively impact my credit or financial standing any further. 

Thank you for your time and consideration. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

15 USC 6802 '' refers to a section of the United States Code, Title 15 ( Commerce and Trade ), which outlines the obligations a financial institution has regarding the disclosure of a consumer 's " nonpublic personal information, '' essentially dictating when and how a financial institution can share personal details about a customer with third parties, often referred to as part of the Gramm-Leach-Bliley Act ( GLBA ) privacy regulations ; it requires providing notice to consumers about how their information may be shared and giving them the opportunity to " opt out '' of certain types of information sharing with non-affiliated third parties. This company has never sent me the required disclosures nor an option to opt out. XXXX XXXX  keeps sharing my personal information and is reporting false information to the Credit Reporting Agencies. These accounts needs to be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Capital One failed to investigate disputed charges. 

Capital One charged off my account after I disputed multiple transactions. 

Capital One refuses to allow me to speak to its customer service department regarding the status of my dispute and to pursue a resolution prior to charge off/closure of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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

On XX/XX/2024, I checked my credit report and I noticed unauthorized accounts. This is against my consumer rights. I also noticed that I was impacted by the XXXX Data breach which may have made this issue occurred. XXXX, XXXX and TransUnion are aware of the unauthorized accounts but they have not investigated into it.
Product: Checking or savings account

Throughout XXXX I attempted working with TD Bank regarding unauthorized activity on my account. I hired a private investigator who tried calling the same rep I attempted to call over 20 times, XXXX XXXX, and she didn't return either of our many calls. Ms. XXXX denied the fraud claim I brought forward and despite my repeated calls and requests for full documentation as to why the claim was denied. TD acknowledged that fraud had been on the account and for some reason they decided to deny this claim with the main reasoning that I had checked into the app. Unfortunately they never asked about the repeated times when I did try logging in and TD app would say it was unavailable. 

I was denied my Reg. E rights for a full breakdown as to why claim was denied. I also had my private investigator reach out to XXXX to explain he found malware on my computer which helped explain the repeated fraud. She never asked for a follow up. I've been on XXXX for the better part of 5 years and having money stolen along with my pay being slashed has been unnerving. The fact I've been ignored by TD has been even more upsetting. I've asked for simple checks and balances and not responding has been their course of action. I have an attorney who's done a one time consult with me who mentioned trying the CFPB and FTC since they gave some blanket response to the XXXX. That counsel has advised he'll take on my case if we're unable to make any progress here or with the Federal Trade Commission. 

Thank you XXXX XXXX
Product: Credit card

Credit Card fraud department isn't resolving a dispute I made about my card wrongly charge on XX/XX/2023. I have disputed several times and no one is calling me or letting me know what is going on. Every time I have called they just tell me they are going to investigate and it has been about XXXX  months since I made a dispute. I need they credit me interest I have pay due to transaction.
Product: Credit reporting or other personal consumer reports

Greetings sir/madam, In this complaint at hand the term, CREDITORS, Shall include XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. According to 15 USC 6801 says 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 information ''. CREDITORS are financial institutions by definition under that title. 15 USC 1681a, ( 2 ) Exclusions : ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal. 15 USC 1681b Permissible purposes of consumer reports, I the consumer never gave written consent nor instructions to any of the CREDITORS to surrender my nonpublic personal information to any credit agency. Also the CREDITORS never received written instructions containing my consent to furnish anything on my credit report which is a violation of the Fair Credit Reporting Act. 15 USC 1681 section 604 section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. CREDITORS never received written consent nor verbal consent to furnish any nonpublic personal information to nonaffiliated third parties which XXXX, XXXX, EXPERIAN, XXXXXXXX XXXX XXXX XXXXetc fall under. Any and all consent to CREDITORS rather it verbal, written, or unwritten is hereby revoked until further notice in writing by the consumer. 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. I am stating I haver never received the option nor giving a way to exercise my right to opt out and hereby now doing so. 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. 1016.7 Form of opt out notice to consumers ; opt out methods.

( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must 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 : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.

16 CFR 313.7 ; I hereby opt out the CREDITORS reporting to the ANY nonaffiliate third parties at ANY TIME. The above description is a violation of the Privacy Act of XXXX. Thanks for your time.
Product: Mortgage

I am trying to do a Partial Release on the mortgage my husband and I have on our home. I'd like to put a large sum of money on the loan as well. Husband is retired and my income has already been drastically affected this year by COVID. We are trying to prepare for what we may be facing financially. 

I have called numerous times to Bank of America, including today, and have not heard back from anyone who can explain my risks of being denied when attempting to get a partial release on our mortgage. In essence, without being willing to give me any information on which they will base their decision to approve or deny, they want me to send in nearly {$2000.00}, all non-refundable, and then they will ( what feels like, randomly ) decide if they can do this partial release. Based on who knows what ... 

{$2000.00} is a lot of money to just throw away. I want to stack the odds in my favor - meaning, if their criteria is so strict that there is no way we would be approved, then I would turn around and go home. But, so far, all I've been told ( by person answering phones ) is basically " Yup, just send in the money and we will see ... '' Any mortgage has certain requirements that if not met is denied. Like credit score, appraised value, debt to income ratios, etc. I'm willing to risk submitting an application along with {$2000.00} non-refundable funds, if they can provide a basis upon which they evaluate this request. If I knew that, and knew I wouldn't meet the criteria, I would save myself a huge chunk of much-needed change. But as it sits right now, I can't even get a call back, much less find out anything such as terms. 

Am I being unreasonable to expect that I should be able to know, like any other mortgage ( of which this is not exactly, I understand ), the guidelines for approval? Is this truly allowed in the banking industry, that no criteria need be revealed to the customer when trying to do a partial release?
Product: Credit reporting, credit repair services, or other personal consumer reports

Opened : XX/XX/2018 ( 1 yr, 3 mos ) Account status : Open Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX I am writing to dispute the negative report issued by XXXX  XXXX XXXX  on XX/XX/2018. ( See attached ). They were my landlords. 

I always made my rent payments on time. 

I have a copy of my payment confirmation dated XX/XX/2018, which was my final payment under the lease. 

I have never been contacted by XXXX  XXXX XXXX for collection. 

XXXX  XXXX XXXX will not respond to any of my direct inquiries. 

I reported this issue to the credit reporting agencies and provided them with proof of payment, but they have refused to remove the collection from my credit report.
Product: Student loan

per my credit report i have XXXX XXXX one of them being for Four XXXX college, I've never attended that school nor knew it even existed. From what little information I was able to find the school closed down before the loan was issued, I would like to take these XXXX loans off of my credit report.
Product: Debt collection

A debt collector added a collection on my credit profile in the amount of XXXX by the name of National Credit Adjust and I have no recollection about this account.I have ask to send me proof of this debt and have heard nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th attempt to get this matter resolved. I've submitted 3 previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. Experian, XXXX and XXXX have failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with 3 credit bureaus. This account was opened fraudulently. I informed the Bank of the issue & provided them with the required documents to block/remove the account via FCRASection 605b. They have failed to block the account, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the account. I need the XXXX removed from my report ASAP. Here is the name of the data furnisher & the account information. 

XXXX XXXX Date Opened : XX/XX/2018 Balance : {$720.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent them to delete all my old addresses and send them my new address that I have for the past XXXX  years. Also sent them my correct name.