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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX Equifax XXXX XXXX RE : NOTICE XXXX XXXX XXXX XXXX XXXX NON-COMPLIANCE REPORTING THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to Equifax that the listed institutions ATTACHED have not conformed and are currently reporting in non-compliance with the following XXXX XXXX XXXX XXXX statutes Reference number XXXX Record type Bankruptcy chapter XXXX filed XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reference number XXXX Record type Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b ) For the record, I, XXXX XXXX HAVE NEVER received an INITIAL OR ANNUAL PRIVACY POLICY NOTICE from any of the ATTACHED reporting institutions as required by the GLBA statute ( XXXX ) above, nor have I been given a chance to opt-out from my personal information from being shared w/ XXXX parties. Why does Equifax allow these non-compliant institutions to report on my credit profile and put my privacy at risk? Until compliance with Sec. 6802-6803 of the GLBA can be substantiated, I DEMAND that Equifax PERMANENTLY DELETE the following non-compliant ATTACHED account ( s ) within 3 days and forward to me a FULL updated credit report with these deletions to the address above By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation and credit worthiness. For the record, I will also file this complaint with my state Attorney Generals office and the Consumer Financial Protection Bureau ( CFPB ). Equifax is in violation of the GLBA GLBA non-compliance penalties can be quite serious for financial institutions. They include both monetary fines as well as imprisonment. The GLBA non-compliance penalties include : A fine of up to {$100000.00} for each violation A fine of up to {$10000.00} for officers and directors of the financial institution In case of a serious violation, individuals may be imprisoned for up to 5 years Revocation of licenses
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

RP Funding here in XXXX advertise on radio that they pay for all closing costs. When I called them the representative told me this is true, that they want to help people out. After I gave them all my info to go forward with a home mortgage, I asked so you build the cost of closing costs by charging higher interest rates than other banks. He said yes, so they do not pay the closing costs but just defer them and make more interest from you so they not being up front with you. I did not get the loan because of the dishonesty with this company Thank you, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes and a FTC report for fraudulent accounts and hard inquiries on my credit report. 

Experian - Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Accounts : XXXX XXXX XXXX  {$2600.00} XXXX  XXXX XXXXXXXX {$330.00} XXXX  XXXX  {$650.00} XXXX XXXX {$650.00} XXXX XXXX {$1000.00} XXXX - Inquiries : XXXX XXXX XX/XX/XXXX XXXX To XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Accounts : XXXX XXXX XXXXXXXX {$1600.00} XXXX XXXX {$650.00} XXXX XXXX {$1000.00} XXXX - Accounts : XXXX XXXX {$650.00}
Product: Credit card

XXXX XXXX marked my XXXX XXXX XXXX card as " lost or stolen '' even though I did n't report it as lost or stolen, while I was overseas. I never got any notification from my online account or from my email of this happening. I found out because a number of merchants could n't charge anything to the card, and I called XXXX XXXX on XX/XX/XXXX while I was in XXXX, XXXX to find out what was going on. The XXXX representative said that the card has been marked as lost/stolen. I asked them to reverse the notation but was told it ca n't be done as a security measure. When I asked to get the card replaced, as I needed it in XXXX, they made a huge fuss about it - that they could n't replace the Platinum because my card was new, even though this whole mess was squarely XXXX XXXX 's fault that they marked the card as lost/stolen in the first place. After insisting that I need the card and that the card must be replaced ASAP for several hours, they finally agreed to " make an exception '' and send the card to me within a week to XXXX, XXXX where I would be at the time ( the time that it would take for the international shippers to deliver the package with the card ). I was supposed to get an email within 4-5 days, but I never got it, which was n't a surprise as XXXX XXXX had n't sent me any useful emails, such as when my card was invalidated. In any case, the Platinum, which was supposed to arrive by XX/XX/XXXX in XXXX as promised by XXXX XXXX, never arrived. I tried calling XXXX XXXX from my international location, but due to telephone issues on the XXXX XXXX, I could n't talk to anyone. I 've spent a total of 20 hours trying to resolve this issue, and going through hardships on my trip because of XXXX XXXX 's repeated mistakes and excuses. To add insult to the injury, I 've been charged the annual fee after only having a working card for 4 days. On my return from XXXX, I checked my mail to see if XXXX sent the card accidentally to my home address. However, I 've received no replacement card even at my card 's listed address. 

Additionally, I have lost a month 's worth of charges to the new card to receive the sign on bonus ( which is to receive XXXX XXXX XXXX after spending {$3000.00} in 3 months ). I ended up having to spend approximately {$2100.00} from XX/XX/XXXX until XX/XX/XXXX I would have nearly reached the minimum bonus spending requirement in this first month on this overseas trip. Hence, XXXX not only inconvenienced me immensely on my trip but also deprived me to meet the minimum spending requirements. 

XXXX XXXX invalidating my card without me reporting it as such is a security issue, and them claiming that they sent my card, never actually replacing the card anywhere, and also charging the annual fee when I have n't had a working card due to their mistake is fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the following information listed on my credit report. I have reviewed my report and found that the following accounts contain incorrect information and should be investigated immediately. 

XXXX. Account Name : ** XXXX XXXX - XXXX Number : ** XXXX - **Date Opened : ** XX/XX/XXXX - **Amount : ** {$160.00} - **Reason for Dispute : ** I believe this account has been inaccurately reported. 

XXXX. Account Name : ** XXXX XXXX - XXXX Number : ** XXXX - **Date Opened : ** XX/XX/XXXX - **Amount : ** {$330.00} - **Reason for Dispute : ** The amount and details of this collection do not reflect accurate information. 

XXXX. Account Name : ** XXXX XXXX ( XXXX XXXX ) - **Account Number : ** XXXX - **Date Opened : ** XX/XX/XXXX - **Amount : ** {$480.00} - **Reason for Dispute : ** This account is inaccurately listed on my credit report. 

Please conduct a thorough investigation of these matters and remove any information that can not be verified. In accordance with the Fair Credit Reporting Act ( FCRA ), I expect these items to be investigated within 30 days.
Product: Credit card

I never opened this credit card. It says it was opened in 2007, but I was a minor then and could not have opened this credit card.
Product: Debt collection

I settled an old debt which was XXXX for XXXX this made the account resolved and XXXX XXXX said they would delete the tradeline with in 30 days. But instead of doing that, they sold my account to Credit Control LLC. Now they're saying I owe them, after the fact that i had this matter resolved!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called wrote and disputed unauthorized hard inquiry pulls and All I have gotten is a negative responce and rudeness. Including ; XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX all on XX/XX/XXXX. I specifically stated not to run my credit with anyone other than my current finance company. XXXX card XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX all happened on XX/XX/XXXX. They were also not given permission to sabotage my credit report. XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 
Inquiries that are also supposed to be removed already is XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX  XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I used Wise Transfer to send money to my supplier in XXXX XXXXXXXX back in XX/XX/XXXX, wise promise that funds will be available to my recipients account within 3 days. 5 days gone by the recipient never received the funds. Wise emailed me asking for additional information on XX/XX/XXXX and I sent whatever information they needed. 5 days later my recipient still didnt receive the money I sent and I asked for the cancellation. It has been 16 days since the money was sent out and that my recipient still have not received the funds and I didnt received a refund from wise and been going back and forth with them spoke to 7 agents who just keep hanging up on me. Wise is holding my money in XXXXstage and it is for {$14000.00} USD
Product: Credit card or prepaid card

I see multiple 30-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report, and I noticed fraudulent accounts on my report.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 



XXXX. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent. 



XXXX. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 



XXXX. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 



I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are inaccurate accounts on my credit report. Please review the documents I've sent as those inaccurate accounts are stressing me out.
Product: Credit reporting or other personal consumer reports

The freeze/unfreeze function did not work. I went to unfreeze credit in the online portal, and it said it was temporarily unfrozen. Then the creditor was still unable to pull credit. 
There was some kind of " internal block '' according to the supervisor. Because it did not work I attempted to use the portal again. after several attempts it blocked access and forced a phone call to customer service. This was an extremely long wait, with an overbearing amount of questions to verify identity. There should be a seperate line for those with technical issues with the portal. I have used these types of services with other credit bureaus and this is the worst.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX Bank ( XXXX ) for reporting inaccurate, unverified, and harmful information on my credit reports, violating the Fair Credit Reporting Act ( XXXX ). I demand the immediate removal of disputed accounts and late payment remarks, as well as an investigation into XXXX  negligent practices. 

Summary of Violations Chronologically Impossible Charge-Offs and Balances : Account # XXXX : Date of Last Activity/Closed Date : XX/XX/XXXX ( future date, impossible ). 

Last Payment : Conflicting dates ( XX/XX/XXXX on XXXX vs. XX/XX/XXXX on XXXX ). 

Account # XXXX : Date Reported : XX/XX/XXXX ( future date ). 

XXXX XXXX : " Paid, was past due XXXX  days '' ( Experian ) vs. " Paid as agreed '' ( XXXX ) XXXX 

Failure to Adequately Validate Disputes : XXXX dismissed prior disputes by falsely claiming " insufficient information, '' despite FCRA XXXX ( a ) ( XXXX ) ( A ) requiring investigations even without a credit report attachment. 

XXXX failed to provide : Signed original contracts. 

Verifiable payment history. 

Proof of charge-off notification ( XXXX XXXX. XXXX ( a ) ( XXXX ) ). 

Severe Credit Damage : These inaccuracies have significantly lowered my FICO Score, limiting my access to loans, credit cards, and competitive interest rates. 

Legal Basis for Deletion XXXX XXXX. XXXX ( b ) : XXXX failed to follow reasonable procedures to ensure accuracy by reporting future dates and impossible balances. 

XXXX XXXX. XXXX : Credit bureaus did not conduct proper reinvestigations of disputed items. 

XXXX XXXX. XXXX : XXXX violated XXXX duty to correct inaccuracies.
Product: Debt collection

One Main Financial contacted me XXXX  times yesterday. Then today they contacted me XXXX times in under XXXX.
Product: Credit reporting or other personal consumer reports

Re : Request for removal of Unauthorized Inquiries To Whom It May Concern : WHAT IN THE WORLD IS GOING ON HERE?!?! I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND DISCOVERED THE FOLLOWING INFORMATION REGARDING INQUIRIES TO BE IN ERROR. THE FAIR CREDIT REPORTING ACT STATES THAT ONLY THE PERMISSIBLE PURPOSE FOR PULLING A PERSON 'S CREDIT REPORT IS : 1. A FIRM OFFER OF CREDIT 2. INSURANCE 3. AN APPLICATION F OR EMPLOYMENT 4. A COURT ORDER Notice, it is a fact, affiant is aware, this inquiry is unauthorized and has been furnished without my consent. There was no permissible purpose and is a violation of 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act : XXXX XXXX XX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX XXXXXX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT STELLANTIS XX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXXXX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXXXXXX XXXX XX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX  XX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX XXXX XXXXXX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX XXXX XXXXXX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX XXXX  XX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX XXXXXX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT COAF XX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX XX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX  XX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX  XX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT AUTO CREDIT XX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXXXX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT IMMEDIATELY!!! THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My name is XXXX XXXX XXXX, I am a victim of Identity Theft, I was part of the XXXX XXXX, My name, social, drivers license, emails, phone and 1 bank account was breached.

I went to the Sheriffs Office and filed a report with a Detective. I will attach everything to this email. The XXXX Fraud Specialist has confirmed with me the breach and has deleted the fraudulent accounts. XXXX and XXXX XXXX are battling for me against XXXX and XXXXGreensky XXXX Both companies come back as " verified '' even though I have proof I was a victim of identity fraud. 

These 3 accounts with XXXX listed below and 2 accounts with XXXX XXXX listed below are hurting myself ad my family to obtain credit and is causing a great hardship. 

These 2 accounts need to be deleted and stop being reported to XXXX XXXX : XXXX/Greensky Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

These three accounts are being reported too Experian. 

XXXX XXXX XXXXcount # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

XXXXGreensky Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

Thank You XXXX XXXX XXXX
Product: Debt collection

Sir i am on XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX i offer Midland Credit Management XXXX {$10.00} dollars a Month to start settling a credit card debt they would not except the pay. and started threatened legal action against me and to and XXXX XXXX XXXX XXXX XXXX Benefits after I told them this is illegal. 


Thank You XXXX XXXX XXXX XXXX
Product: Checking or savings account

Back in XXXX, Chase has decided to end their relationship with me after I filed multiple complaints which almost put the bank at risk which made them decide to end their relationship with me and closed my checking  account. I tried to ask if there was a way to have my account reinstated or at least open a new account. Unfortunately, the decision has been finalized on top of that there was an amount that I had to payback of the amount of {$1300.00}, which I eventually paid back in XXXX which made settled my old account. During that time, I utilize XXXX XXXX XXXX and found out I was a victim of fraud due to the fact my other account with XXXX had fraudulent activity it was clear to me that something was going and I reached out to a representative to find out what was wrong however she told me there was a difference of the amount of {$45.00} that I was responsible for and if I want I can file a dispute with XXXX XXXX. As I was told I file a dispute and tried to figure out if I can still open a new checking account with a different institution I tried XXXX XXXX and I was denied multiple times. After months of waiting, XXXX told me even though it shows fraud on my report they can't remove it however they updated my report stating it is fully paid. So I try to open a XXXX XXXX account again and I was still denied to open a new account. I even tried to contact Chase 's representative and still was denied because the end of a relationship was finalized and not reversible. But I did countless research and someone was able to have their account reinstated. I just need some assistance because I want to open an account rebuild my financial security again if anything helps. 

Thank you.
Product: Mortgage

Filed a loan modification in XX/XX/XXXX ( due to issues with hurricane Irma ) with Freedom Mortgage. Made all payment as required on time. Began getting notices of no payment. Supplied proof of payments and dates. Problem escalated recived letters saying we owed upwards of {$22000.00} dollars. We hired an attorney. Freedom Mortgage acknowledged the mistake multiple time over the course of multiple hour plus long calls. We had promises of reviews, returned calls, and corrections to our credit. Nothing promised by Freedom Mortgage was done. XX/XX/XXXX payment was refused and returned. XX/XX/XXXX Freedom Mortgage informed us via conference call with our attorney that they had filed for and were proceeding with foreclosure. Our attorney requested that the service be sent to there address. The representative went so far as to refuse to acknowledge that they would comply. We are still making our payments to a trust set up by our attorney. Due to the false derogatory reporting on there part, we have had an increase in our auto insurance rates, we are unable to refinance with another company taking advantage of the lower rates, and accessing the equity in our home.
Product: Mortgage

I called Navy FCU to get a quote on interest rates for a 30 year fixed VA loan. 
They told me they could only give me their published rate off their website 3.125 % with XXXX point and XXXX origination. 
I told them I would like to look a less expensive option. 
They told me unless I was a member they would not give me rates They told me to go to XXXX and buy a XXXX day membership then they would talk to me. 
As a Veteran and a borrower I should not have to buy a membership to get a quote. I had already told them I was eligible for membership but did not want to open an account till I knew if I wanted them to do my loan. XXXX was very XXXX and by his tone was clearly telling me " O WELL '' I had called the week before and had gotten the Quotes I had requested. 
Needless to say I was very irritated.