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

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to XXXX and XXXX Texas Laws Dear SUN LOAN, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 .

It has unequivocally come to my attention that SUN LOAN has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for SUN LOAN to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that SUN LOAN immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that SUN LOAN will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

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

I have made several attempts to get this removed from my credit because it was paid.
Product: Credit card or prepaid card

My payment is due on the XXXX of each month, I have explained to them that my husband is sick, and they start calling me on the XXXX in the morning at XXXX and then every 30 minutes after that until XXXX, and this goes on for days. they continue to call until I pick up the phone. They should not be allowed to call this may times in one day.. That is over 8 times a day.. this is harassment.
Product: Money transfer, virtual currency, or money service

Moneygram international is discriminating against me and my family in their respective countries of residence at this moment.At the federal level moneygram violates DODD-FRANK the law of the land in the United States.Additionally my state, California has a much more strict interpretation of DISCRIMINATION in the provision of financial services available to the public at large.This offense according to my governments is one and possibly the most serious offense a financial company can commit.It is in a class of its own and is far more serious than theft, for example. 
On XX/XX/XXXX Moneygram denied a transaction between me and my step-son XXXX, a transaction of XXXX dollars from XXXX XXXX XXXX to XXXX XXXX, XXXX, where my son XXXX is employed as an XXXX XXXX XXXX, XXXX XXXX. 
Afterwards in a call to moneygram they explain they are following some nebulous law of either country..moneygram will have to prove this. 
Moneygram instructed CVS via computer to not process the transaction.there were photos taken of the computer screen which are listed but not attached in the accompanying attachment. 
REGARDLESS of any CFPB action in this complaint or criminal action on the part of XXXX   AG ... .I am bringing a well thought, well planned, well -evidenced civil action against Moneygram intl prior to the 1 year statute expiration and plan on being represented byXXXX an international llaw firm who will stay with this case to the Supreme Court level if need be.
Product: Credit reporting or other personal consumer reports

Experian has incorrect income information for lenders to make a valid decision which in turn has created an incorrect " debt/income ratio '' and the site does not allow me to correct it. ( see attached XXXX XXXX XXXX XXXX XXXX XXXX  {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Called today at XXXX XXXX/XXXX/2016 and requested a mailing address to send mofdification paperwork requested it was on a recorded line and the gentlemen kept stalling for he wanted me to fax I responded no I need mailing address he played games and refused to provide .I terminated call .Wells fargo continues to give borrower to buy time for the home is in land court in massachusetts and I believe wells fargo is delaying so they can buy time to obtain judgement and take my home .THIS IS WRONG AND IS A VIOLATION OF XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that I have a list of unauthorized inquiries that I did NOT give written permissible purposes to furnish to my consumer report. Accordingly to the FCRA 15 U.S.C 1681 ( e ) subsection ( e ) paragraph ( b ) Disclosures states : " EACH permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report or information. and also 15 U.S.C 1581b Also states that you must have " written permissible purpose for each item being furnished ''. please remove the follow inquiries listed below whiich does not constitute the FCRA consumer laws I listed above. Please provide proof of requested documentation of my written permissible purpose for EACH inquiry or remove entry from consumer report immediatley. according to FCRA you have 15 days to respond to this matter or these accounts must be removed by law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

On XX/XX/XXXX I had a flood loss on my mobile home in which several things were damaged or broken. My insurance company was called and they sent me a check to repair and replace all that myself and son lost. The check ( {$22000.00} ) was made out to myself and 21st Mortgage my mortgage company. I called them and they told me to sign the check and send it to them to sign and they would give me the money to fix everything. When I called a couple of weeks later they told me because I was a month behind on my mortgage they would not send me the money. They then told me that If I got my mortgage straight that they would send me the money. I told them that I dont have the money to fix all of these things like my A/C and they told me to get a quote, their contractors license, their tax information, and their insurance number, to get a check issued to them. All information was sent to them on XX/XX/XXXX directly from the A/C company. I called every other day until I finally received a check over a month later. I had to beg, and cry to get it and remind them that I have a XXXX son in this Georgia heat. I have since then sent in all the papers for the duct work and insulation to be replaced first attempt XX/XX/XXXX and never received a check. I called to check on what was the hold up and they agreed that they had the papers, however now they want photos of the A/C. That was done and two weeks later they call me and say that all the paperwork is now out of date! Well ya thats because it took them 10 months to even look at the papers. So now Ive got to do it all over. I also got money for steps and I am to get them from a mobile home supplier, however, the supplier does not have a contractors license, and ask them for their insurance info. The mortgage company told me to pay for them myself and they would reinemburse me? I dont have the money to start with much less trust them to even give me the money back. 

Please help me, my steps are so unsafe for my XXXX son and now my floor is rotting because of the condensation from the duct lines with no insulation for two years. Im sure that my insurance will not cover it being that they gave me the money to fix what is causing the damage two years ago, I just want my things the way they were, nothing more, and if there is anything left over the mortgage company can have it. They have already had {$15000.00} for over two years now and they keep the interest. Ive been in this house for over 19 years, my mortgage is up to date. Help me to get the money they have wrongly taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted letters from creditors stating that they made a mistake and that the negative information had to be reverified by a company that already stated in email and by notarized statement that the negative information on my credit report needed to be removed. XXXX is being incompetent and not following what the creditor themselves asked to have done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXXXXXX XXXX XXXX  ( XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXXXXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  ( XXXX : XXXX Experian : XXXX XXXX  : XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX   : XXXX, XXXX XXXX ( XXXX :, XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX ( Experian : XXXX XXXX : XXXX, XXXX XXXX ( XXXX  : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX ( XXXX : XXXX, XXXX XXXX ( XXXX  : XXXX Experian : XXXX XXXX : 6X ), XXXX XXXX ( XXXX : XXXX XXXX : XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  established XX/XX/XXXX These debts/ collection doesn't match my address in the data systems. I stay at XXXX address for over 10 years. My information has been stolen. I do have a identity theft report for proof. I need these items deleted from my credit report asap
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXXXXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$220.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$6400.00} XXXX XXXX XXXX XXXX  Date of request : XX/XX/XXXX XXXX XXXX XXXX  Date of request : XX/XX/XXXX ; XXXX XXXX XXXX Date of request : XX/XX/XXXX ; If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

I received a Notice to Foreclose on court house step for XXXX XXXX, XXXX. The notice is dated XXXX XXXX, XXXX from XXXX XXXX XXXX XXXX. On XXXX XXXX, I sent a Dispute for the Foreclosure Notice requesting XXXX XXXX XXXX XXXX to identity who they are, such as a holder in due course, a creditor, etc., and who authorized or gave them the authority to foreclosure along with a list of other questions I needed answered. XXXX XXXX XXXX is a XXXX party debt collector and do n't have standing to foreclose. I asked for payoff information as well. On XXXX XXXX, XXXX, I received a copy of the security deed ( stamped original ) and a bad copy of the " Note '' and the accounting that I never asked for. None of the other questions were answered. Under the FDCPA it states foreclosures must be done in a judicial court. They are threating to sell my property on the courthouse steps on XXXX XXXX, XXXX. The lender listed on my paperwork is XXXX. XXXX did an assignment in XXXX to XXXX, but XXXX was bankrupt and no longer in existence in XXXX. How is that possible?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Not mine or No knowledge of account XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX {$1200.00} This is not my account I have ask for them to verify the information that I sign and any record showing me thats its my account I have yet to receive that they are reporting false information to my credit report which is by law needs to be removed
Product: Mortgage

I am a first time home buyer. This process was absolutely horrendous. No communication. Dishonesty. Misleading. And just down right terrible. 

I was told over and over again to stop freaking out to relax. Just chill out. Well come two weeks after original closing date and my house was sold. A single mom with a XXXX year old and know were to go was told by my title broker that it was never going to go through. 

I was quoted a XXXX $ mortgage and the mortgage was going to end up being closer to 1600 . 

Im beyond mad. I have no where to go now with my child. All because of putting everything off and playing major games. Im sick over this. 

On top of it my credit is completely trashed now because he checked it so much. Not ok at all.
Product: Checking or savings account

Recently I looked at my XXXX XXXX Consumer Report, and I noticed that I'm currently stuck in XXXX XXXX XXXX for check fraud. Regions Financial is the financial institution. I had no knowledge of this check fraud ever occurring. This incident occurred on XX/XX/year>. I've settled this issue financially with Regions Financial. Even after settling this issue financially with Regions Financial, I'm still stuck in XXXX XXXX XXXX. Because of this I'm unable to open a bank account. I have also filed a police report and a FTC identity report. I need this information deleted from my consumer report. 

Account Name : Regions Financial Account Number : XXXX
Product: Bank account or service

HSA Bank, a division of Webster Bank, XXXX, has not sent me the requisite tax form for XX/XX/XXXX. I contacted its customer service, which gave me the run-around. The XX/XX/XXXX form is available online, but the XX/XX/XXXX form is not yet available. My understanding is that banks are required to send out tax documents by the end of XX/XX/XXXX following the end of each tax year.
Product: Checking or savings account

When my account was at XXXX Navy Federal was continuously letting charges go through without the funds being in my account and then charging the fees on top of that.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX 15 USC 1681 Section 602A states that I have the right to privacy.

15 USC 1681 Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c Sections ( a ) ( 5 ) States that 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 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting ID THEFT and please need to dispute the following accounts due to them begin fraud!! I have sent supporting documents in several times and please ask these documents be used to block and or remove the following. Also please lock my credit report and notify the companies that reported the fraud accounts under my name and SSN. Thank you.

1. XXXX XXXX   Reported :XX/XX/XXXX 2. XXXX XXXX XXXX   Reported : XX/XX/XXXX 3. XXXX XXXX Reported : XX/XX/XXXX 4. XXXX Reported : XX/XX/XXXX 5. SXXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX 6. XXXX XXXX Reported : XX/XX/XXXX7. XXXX XXXX   Reported : XX/XX/XXXX 8. XXXX Inquiry : XX/XX/XXXX Inquiry : XX/XX/XXXX Inquiry : XX/XX/XXXX Inquiry : XX/XX/XXXX Inquiry : XX/XX/XXXX 9. XXXX XXXX XXXX  Inquiry : XX/XX/XXXX 10. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX 11. XXXX XXXX Inquiry : XX/XX/XXXX 12. XXXX XXXX 13. XXXX XXXX Inquiry : XX/XX/XXXX 15. XXXX XXXX Inquiry : XX/XX/XXXX 16. XXXX Inquiry : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) Due to inadequate customer service and unfair practices which violate the consumers financial protection act cfpa. Specifically cash app failed to take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with era resolution requirements Under the Electric fund transfer act and regulation e these acts have caused significant inconvenience and financial loss and I seek appropriate Readiness for these violations.
Product: Credit reporting or other personal consumer reports

I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the XXXX XXXX XXXX. This statute, which is part of the XXXX Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any XXXX  from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.
Product: Credit reporting or other personal consumer reports

As a holiday incentive, XXXX offered an additional discount for items purchased during the XXXX holiday season. I accepted the offer, provided all required personal information for the credit card request including phone and email, made a {$210.00} purchase in XX/XX/XXXX and paid the amount in full on XX/XX/XXXX. 

On XX/XX/XXXX, my wife and I moved to a new address and informed all creditors in advance or upon receipt of forwarded mail. We diligently and consistently visited our prior post office for several months after our move as recommended by our new post office as a preemptive action. We responded appropriately to any sender of our new address as necessary ( i.e. insurance companies, magazines and other appropriate companies ). After our payment of our XX/XX/XXXX purchase, we did not receive any credit card billing information or statements from XXXX. 

On XX/XX/XXXX, a {$49.00} purchase was made at our local XXXX store. While we continued to receive XXXX emails and other promotional mail after our move, we did not receive a monthly bill for the XX/XX/XXXX purchase. And, neither my wife nor I use department store cards as a regular payment means, but I did confirm today from XXXX, a XXXX credit card agent ( # XXXX ), that we apparently used our XXXX card for the {$49.00} purchase. 

On XX/XX/XXXX, we received a notice from XXXX XXXX that a charge-off amount of {$330.00} was reported to credit reporting agencies due to our failure to pay a debt. I immediately contacted the XXXX XXXX XXXX unit and was told that if it was my responsibility to contact XXXX for any information. 

I would expect that XXXX would have received notice of a change of address and the appropriate bill would have been received and paid for the {$49.00} purchase. The past due interest, late fees and compounding amounts that drove the balance to {$330.00} is very unfair and my credit score has been reduced by over XXXX points ( from XXXX to XXXX per XXXX ) due to XXXX XXXX account servicing failure.