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

I am writing to file a formal complaint against XXXX, XXXX, and TransUnion, the consumer reporting agencies, for multiple violations of the Fair Credit Reporting Act ( FCRA ) and related regulations. These violations pertain to unauthorized sharing of my private information, lack of consent, failure to inform me of my rights, inaccurate reporting, and inadequate maintenance of reasonable procedures. 

As per FCRA Section XXXX ( a ), consumer reporting agencies have the duty to handle consumer information with fairness, impartiality, and respect for privacy. However, XXXX, XXXX, and TransUnion have failed to fulfill these obligations by sharing my nonpublic personal information without my explicit consent, as mandated by XXXX XXXX XXXX. 

Moreover, under FCRA Section XXXX ( a ) ( XXXX ), consumer reporting agencies are only permitted to furnish consumer reports in accordance with written instructions from the consumer. However, the financial institutions - XXXX XXXX XXXX BANK, XXXX XXXX, and XXXX XXXX BANK - along with XXXX, XXXX, and TransUnion, have neither obtained my consent nor adhered to this requirement. 

Furthermore, FCRA Section XXXX ( b ) ( c ) stipulates that financial institutions must inform consumers of their right to exercise nondisclosure options regarding the sharing of nonpublic personal information. However, the aforementioned financial institutions failed to provide me with an explanation of this right, thus denying me the opportunity to protect my privacy. 

Additionally, FCRA Section XXXX ( a ) ( XXXX ) prohibits consumer reporting agencies from including adverse items in consumer reports without authorization. Yet, the inquiries from XXXX XXXX XXXX BANK, XXXX XXXX XXXX, XXXX XXXX TX, XXXX on XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX NM, XXXX on XX/XX/XXXX and FIRST XXXX BANK, XXXX XXXX XXXX Texas XXXX, XXXX TX, XXXX on XX/XX/XXXX, are adverse items reported without my consent, constituting a violation of the law. I demand the immediate removal of these unauthorized accounts and inquiries from my credit report. 

Moreover, XXXX, XXXX, and TransUnion have reported inaccurate, non-mailable, and non-receivable addresses, such as XXXX XXXX XXXX XXXX XXXX XXXX NM, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NM, XXXX. I demand the removal of all variations of these addresses from my credit report. 

Furthermore, the XXXX XXXX XXXX account ( XXXX for XXXX, XXXX for TransUnion, and XXXX for XXXX ) XXXX opened on XX/XX/XXXX, is inaccurate and violates XXXX XXXX Code XXXX ( b ). XXXX, XXXX, and TransUnion are also failing to maintain reasonable procedures, as mandated by FCRA XXXX XXXX, resulting in inaccurate reporting. 

I demand the immediate removal of these inaccurate accounts and any variations from my credit report. Additionally, under XXXX XXXX XXXX, I am exercising my right to opt out of the inaccurate reporting services currently furnishing my credit report. 

Thank you for your attention to this matter. I anticipate a prompt investigation and resolution of this complaint
Product: Credit reporting or other personal consumer reports

Fifth Third Bank collected payments from me for two years on an auto loan without completing the sale by securing a title from the dealership and recording a lien to have a security interest on the vehicle. 

Due to no title transfer, I canceled the contract under C.R.S. 4-2-601 ( a ). and deducted damages under U.C.C. 2-717 by legally stopping payment as I did not own the vehicle. 

Unless and until a buyer receives certificate of title duly transferred in accordance with Colorado law, the buyer does not acquire any right, title, or interest in and to a motor or off-highway vehicle purchased by the purchaser or transferee. C.R.S. 42-6-109 ( 1 ). 

Fifth Third Bank acknowledged receipt of my XX/XX/2021 revocation of acceptance/cancelation letter and placed a cease and desist on my account. 

XX/XX/2021, the issue was resolved as Fifth Third Bank had the dealership buy back the account due to their Breach of Contract. I received a letter of apology but was denied my refund demand. 

I received a call from the bank and was told the account would be closed and the tradeline would be removed from my credit report. 

Upon closing my account Fifth Third Bank reported it as 90 days delinquent prior to close in retaliation for my legally withholding payment which violates the Fair Credit Report Act as the bank confirmed receipt of my cancelation and deduction of damages notices. 

For two years they have been inaccurately reporting which has damaged my credit and ability to finance a home. I have the recorded call stating the tradeline would be removed as evidence but when reporting this to the credit bureaus I was told they can only receive written evidence. 

I contacted the bank and they sent me a letter stating the account is being reported accurately. They refused to honor the verbal contract to remove the account and unlawfully reported 90-day delinquency. As well as refused to issue a rightfully owed refund.
Product: Debt collection

They have this account listed as opened in XXXX which is incorrect. They have the last payment made in XXXX and that is incorrect. I have no knowledge of this account and have made no payments to anything as such in XXXX. There is no way I am past due XXXX or even 60 days on an account I do not know what it is. I attempted to call the company but it automated and goes through various advertising sales without leading to any prompts.
Product: Checking or savings account

I have been getting charged {$20.00} per month. This has been a free account in the past. We have a mortgage with Citizens Bank that also meets the relationship requirement. I called in. I was on hold for over an hour. When the person came back on she stated she could not hear me and hung up. I would like the funds I have been charged to be re-funded. 

Thanks
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to Conduct a resasobable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furtnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experince, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation on the fair credit reporting act to conduct a responsible, responsible re-investigation of dispute information on my credit report, leaving in accurate or unverifiable accounts on resolve consumer financial protection bureau has recently found and also against Experian alleging, systematic issues such as falling to Forward consumer provided evidence to to furnishers accepting unverifiable responses and failing to unverifiable, adequately notify consumers of dispute outcomers these failure align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing on going harm to my credit standing I am requesting immediate corrective action to remove or amend the dispute accounts as experience in action, violated federal law and my right as a consumer.
Product: Payday loan, title loan, or personal loan

Had a 24 month interest fee loan. 

Synchrony Bank Account # XXXX It expired end of XXXX without notification.I tried to call them when I received invoice in XXXX. 
they added on a card security fee which we did not approve of XXXX a month total {$4000.00} also they added back the interest for the 2 years of XXXX. 

When we got the notice we sent the total amount owed of {$12000.00}. 
I did this to avoid any additional issues but they still owe me back the {$4000.00} which they took without approval. 

I ve tried several times to discuss with getting to the approbate channels.
Product: Mortgage

Originally my home loan was with XXXX XXXX XXXX.. no problems, payments on time etc. I had to file chpt XXXX due to a divorce due to ex wife '' s bills but did not include my home mortgage, the XXXX was discharged.My loan stayed on good standing all the time. 3 yeras later XXXX sold my loan to Nation Star and the trouble began, they kept calling and calling stating my mortgage was in the bankruptcy reported it on my credit report. Every statement stated my loan was part of a bankruptcy.. I never missed a payment with XXXX nor with Nation Star when they took over.. then Mr. Cooper Mortgage CO which is part of Nation Star somehow took over my mortgage and once again the phone calls continued. I have never missed a payment with Mr. Cooper either. My mail is unindated with solitation letters offering me to refinance my loan with Mr. Cooper. they continue to call my home phone as well as my cell phone with digital calling.Never leaving a message. In XXXX of this year my now wife answered the phone and he identified himself as Mr. Cooper morgage company to offer refinancing. My wife told him to stop calling our home and cell phone that we are not interested. The phone calls continue. When I researched this company there are pages and pages of complaints on Mr. Cooper mortgage as well ans Nation Star of  their harrassment practices .How is allowed. Doesn't this over see or review the on line complaints. I am a XXXX vet and the phone calls are aggravating as well as an invasion of my privacy let alone the negative statements that my home loan was part of a bankruptcy which it never was.
Product: Debt collection

In 2021 the total amount of {$100.00} was resolved and paid to Radius Global Solutions. 
RADIUS GLOBAL SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Mortgage

I have a mortgage that's serviced by Mr. Cooper. It is XX/XX/XXXX, and I still have not received a copy of the Form 1098 that reports the mortgage interest I paid in XXXX, even though the company 's website states that those forms are ready to view. I believe that I should have received it by XXXX XXXX. I sent a written inquiry about this to the company on XX/XX/XXXX and have yet to receive a substantive reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is a fraud account. I never opened an account with XXXX. Please remove and delete immediately from my Equifax credit report.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention the inaccuracies present in my credit report across the three major reporting agencies- XXXX, Experian, and XXXX. The Fair Credit Reporting Act ( 15 USC 1681 ) explicitly states that information can not be reported without my consent. It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security of their non-public personal information. 

In my credit report, I have identified discrepancies concerning an account with XXXX XXXXXXXX reports the account as being opened on XX/XX/2022, while Experian and XXXX report different open dates- XX/XX/2022. This inconsistency is both inaccurate and detrimental to my credit profile. I request the immediate removal of this item from my credit report. 

Furthermore, XXXX and Experian report a credit limit of {$300.00} for this account, whereas XXXX reports the credit limit as {$0.00}. These discrepancies in credit limit information across the reporting agencies further compound the inaccuracies in my report. 

The laws 15 USC 1681n and 15 USC 1681o are vital in defending my claims. These provisions outline the civil liabilities for willful and negligent noncompliance with the Fair Credit Reporting Act, emphasizing the importance of accurate reporting by the credit reporting agencies. The continued reporting of inaccurate information despite my dispute suggests willful noncompliance ( 15 USC 1681n ) and/or negligent noncompliance ( 15 USC 1681o ).

Additionally, 16 CFR 313 and 16 CFR 313.7 are pertinent to my claims. These regulations pertain to the privacy of consumer financial information and mandate accurate reporting to ensure consumer privacy rights are upheld. Reporting inaccurate information without my consent infringes upon my privacy rights, and these regulations mandate the protection and accuracy of such information. 

It is also noteworthy that while XXXX and Experian report this account with a high credit limit of {$250.00}, XXXX inaccurately reports the credit limit as {$300.00}. This disparity in reporting further emphasizes the urgent need for correction.
Product: Credit reporting

inquiry was removed from my credit report and it was reinserted on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove personal information and Inquiries that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these personal information and inquiries not later than XXXX business days. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX TO XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau says account with XXXX XXXX is verified. Sent multiple rounds of dispute recently was told that my dispute was frivolous and they will not reinvestigate. I have contacted the collection agency requesting for debt to be validated multiple times and received no response ( see certified mail attachment ) however this account remains on my report and XXXX XXXX specifically refuses to reinvestigate or remove it.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  of all accounts below has violated my rights 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXX/XX/XXXX Status Account charged off. {$1100.00} written off. {$1100.00} past due as of XX/XX/XXXX. Status Updated XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$2000.00} Balance Updated XX/XX/XXXX Recent Payment {$2000.00} Monthly Payment XXXX  Original Balance {$2000.00} XXXX XXXX XXXX XX/XX/XXXX Status Account charged off. {$340.00} written off. {$340.00} past due as of XX/XX/XXXX. Status Updated XX/XX/XXXX Balance {$340.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX Status Paid, Closed. Status Updated XX/XX/XXXX Original Balance {$11000.00}. Account Name XXXXXXXX XXXX  Date Opened XX/XX/XXXX Status Collection account. {$670.00} past due as of XXXX XXXX. Status Updated XX/XX/XXXX Balance {$670.00} Balance Updated XX/XX/XXXX Account Name XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Status Account charged off. {$17000.00} written off. {$19000.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX
Product: Debt collection

Portfolio Recovery, was a charge off many years ago. Have reappear again.Also- XXXX, was a charge off many years ago. Have reappear again. 
No mail from either, then and now. It have ruined credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I pulled myTRANSUNION credit report on XXXX XXXX after being denied a loan. I saw XXXX XXXX had put two collections on my report 1 for {$100.00}. Both XXXX XXXX  1-for {$2000.00} plus I contacted XXXX XXXX immediately. I spoke to a rep there and asked her about the bills she stated that they were from XXXX. she said that they had been sending the notices to XXXX   XXXX XXXX XXXX nc and a fraud #. XXXX. ... I told her they were not mine. I told her that I had XXXX XXXX XXXX and Medicare insurances at that time and my address was not XXXX XXXX  but I changed my address from XXXX XXXX XXXX XXXX XXXX XXXX  nc as per the XXXX XXXX XXXX XXXX. ( to  XXXX XXXX XXXX XXXX nc XXXX ) usps confirmation of change was made on XXXX XXXX 
At that time she changed my info to what I stated was address and phone # and she said I had to pay it because it had been too long and my insurances would not pay them now ..I told her they were not my responsibilities. I contacted transunion and they did a investigation and only took one if the place XXXX medical bills off my credit. Why not both they were at the same time & same place she said ..they took off the {$100.00} bill but left the {$2000.00} plus on my REPort. And transunion then put a seven year credit freeze on my report without my consent. I want them both taken off.. They are fraudulent charges I have a identity theft file registered with the FTC. Also the office of the comptroller for currency recently confirmed via letter to me on XX/XX/XXXX over 20 fraudulent credit inquiries and apps thru XXXX XXXX XXXX that was also fraud along with many other entries..
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep asking the credit bureaus to remove my the years of XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX late payments. I'm not supposed to have any " late payments '' because I " re-finance '' the car loan with XXXX XXXX   therefore, I started fresh since XX/XX/XXXXto present year of XX/XX/XXXX. They keep refusing to remove the " late payments ''.
Product: Credit card or prepaid card

On XX/XX/21, I contact Citi customer service to confirm my payoff. I spoke with customer service representative ( CSR ) ( XXXX ) and confirmed my credit card payoff balance was {$10000.00}. That amount was confirmed with the CSR as the total amount I owe to bring my account to XXXX. A check for the entire payoff was mailed to Citi prior to the due date of XX/XX/21. The check was paid by my bank. On or about XX/XX/21, I received a statement from Citi with a balance of {$240.00}. On or about XX/XX/21, I spoke with CSR XXXX, and was told he would override the charges to reflect XXXX based on my communication with the previous CSR confirming the payoff amount and my having paid the account balance in full. On XX/XX/21, I received written communication from Citi that it was determined that my account was not eligible for a credit, essentially meaning my account still had a balance, although I had paid it off, with no new charges in over a year. This was not in line with what two Citis CSR had previously communicated. I paid this account in full based on my communication with Citis representative and my records, including a check. If Citi wanted to dispute the payoff that should have been done prior to my making the payment. The CSRs never communicated an additional charge would be reflected on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score doesnt match my credit history. I am a responsible consumer with no late payments, no derogatory marks and no late payments in at least 6 years yet my credit score never gets above XXXX for a mortgage. I several types of open accounts, all in very good standing. When an inquiry is made companies are being told that Delinquency or derogatory status on accounts is to recent, not enough balance paid down overtime on first mortgage accounts, not enough available credit on revolving accounts. All of these make me seem like I should have a bad credit history but I do not and when I call to resolve the issue. I am simply told that it is computer algorithm. This issue has been going on for 10 years since I bought my house. Recently my credit on one of my credit cards was decreased by over {$4000.00} because of this type of information that are inaccurately being reported during an inquiry. Currently Im using about 50 % of my credit due to Covid. I dont see how that XXXX XXXX  my previous credit history. I did not work for XXXX months and had to live off of my credit cards when I was laid off for Covid and still never missed a payment.