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

Subject : Unauthorized Credit Reporting and Demand for Immediate Resolution Violation of Federal and Texas Laws Dear REGIONAL FIN, I am writing to formally address a clear violation regarding the unauthorized reporting of information to my credit report, as defined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), 1681s-2 ( a ), and the XXXX XXXX XXXX under Sections XXXX and XXXX, as well as XXXX XXXX XXXX XXXX XXXX XXXX which pertains to identity fraud. 

It has come to my attention that REGIONAL FIN has engaged in the unauthorized reporting of information to my credit report without my explicit consent. As mandated by federal law under FCRA Section 1681b ( a ) ( 2 ), consumer consent is a legal prerequisite for such activities. 

Furthermore, XXXX law under Section XXXX of the XXXX XXXX XXXX prohibits the reporting of consumer credit information without proper consent. Additionally, Section XXXX provides specific regulations to ensure fair and accurate credit reporting practices. XXXX XXXX XXXX XXXX XXXX, which addresses identity fraud, further highlights the serious legal consequences of unauthorized access and use of personal information. 

I have not provided consent for REGIONAL FIN to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights under both federal and state law, potentially causing harm to my credit and reflecting a blatant disregard for the legal protections afforded to consumers. 

I hereby demand that REGIONAL FIN immediately cease all unauthorized reporting of information to my credit report, as required by FCRA Section 1681b ( a ) ( 2 ) and the relevant provisions of the XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX ). If this issue is not resolved within 30 days, it will be considered a willful violation of the law, subject to penalties, including those outlined under XXXX  XXXX XXXX XXXX XXXX for identity fraud. 

Obtaining consumer consent is not optional ; it is a legal obligation. I expect immediate action to rectify this situation and bring REGIONAL FIN into compliance with both federal and Texas state laws, which protect consumers from unauthorized and damaging credit reporting practices. 

This notice is given in good faith with the expectation that REGIONAL FIN will swiftly correct these violations and respect my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a vehicle loan while I was serving in the XXXX XXXX. The lender, XXXX XXXX offered to finance me. Being that I was a high risk borrower they were the only ones willing to offer a loan. I purchased the car as well as full coverage and gap insurance. I made a few payments, one which one was late. After my late payment, the very rude customer service agent told me that any extra payment I would make ( I had added sometimes up to {$50.00} a month extra on my payments to go to principal ) would only go to interest and that was my only option. In the first week of XX/XX/XXXX I was home in Colorado having  finished my enlistment contract. I was blinded by the sun on the way to a Doctor appointment and hit a small parking lot cement divider. It was approx. 12 inches high. It totaled the car. I submitted the claim to XXXX who tried to pay the bank. XXXX would not take the payment and listed on my credit report as they repossessed the car. Which is untrue. They finally took payment from XXXX after I disputed the balance on my credit report. They now, over 3 years later refuse to take payment from my GAP insurance and still report my car as repossessed. If my car is repossessed and not totaled out, I demand to see the auction report. They are required to auction a repossessed car and provide me the amount left on the loan. But they can not do that because the car was totaled and therefore not repossessed. XXXX needs to remove the repossession off my credit profile before I sue them in civil court. I suggest if XXXX offers any consumer a loan, they walk away from the dealership. Walking around town and taking the bus is better than dealing with this corrupt company.
Product: Credit card or prepaid card

I was an authorized user on a XXXX XXXX Credit card. I was removed on said credit on XX/XX/XXXX and requested that this credit card be deleted from my credit profile immediately. XXXX provided me with a letter that was sent to and I personally uploaded to all three credit bureaus dated XX/XX/XXXX, indicating that I was removed as Authorized user. Experian and XXXX stilled refused to remove account from my credit profile. I reached out to penfed again asking that another letter be sent on my behalf asking that this account be removed from credit profile immediately. XXXX sent another letter Dated XX/XX/XXXX, and further requested that this account be deleted but still Experian and XXXX still refused to remove account. I uploaded copeies of all letters to both credit bureaus on the same days XXXX sent them out, so I was assured they received the correspondence. I then called XXXX onXX/XX/XXXX and spoke with Account Manager XXXX ( ID # XXXX ) and he assured me the account was deleted as ofXX/XX/XXXX and said I should buy the XXXX   credit monitoring system to check real live updates to my credit report, which I did while on the phone with him. When I checked my credit my report on XX/XX/ the XXXX XXXX account was still showing. I called back on XX/XX/ and spoke with Account manager XXXX ( ID # XXXX ) who explained that I was giving wrong information and the account is still in dispute status. I explained there is no dispute as I have copies of all correspondence and XXXX has requested several times that this account be deleted from my credit profile. Account manager became rude and stated that I would have to wait an additional 30 days for results because XXXX sent another Request that this account be deleted. I have made every good will attempt to have this account deleted from my credit profile but I continued to be told false information as well as sold products I don't need. Experian has also refused to removed the account based off the same reason that each time a letter is submitted to delete an account they must add an additional 30 days which I know to be untrue as I verified with account managers on with both credit bureaus that all letters act only to prove or disprove your request. I am asking that this XXXX XXXX account be deleted immediately from Experian and XXXX as it effecting my credit to debt ratio, and prohibiting me from closing on my first home mortgage.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to inaccurate and unverifiable information reported on my credit file. I despite my efforts to dispute these inaccuracies, they have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ).

Specifically : Failure to Ensure Maximum Possible Accuracy : Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the accuracy of consumer reports. However, several items in my credit report are inaccurate and do not meet this standard.

Failure to Investigate Disputed Information : As outlined in 15 U.S.C. 1681i ( a ) ( 5 ), the credit reporting agency has not properly investigated the items I disputed. If information can not be verified or is found to be inaccurate, it must be promptly corrected or removed, which has not occurred.

Violation of Furnisher Obligations : Under 15 U.S.C. 623 ( b ) ( 1 ), furnishers are required to investigate disputes and validate the accuracy of the information they provide. The furnisher has either failed to validate or did not respond adequately, yet the disputed information remains on my report. 

Additionally, I am a victim of XXXX XXXX and identity theft, which has contributed to these inaccuracies. The persistence of this information on my credit file is causing significant harm to my financial standing and well-being. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate these violations and take action to enforce compliance with federal laws. I also seek the immediate removal of the inaccurate and unverifiable items listed in my disputes. 

XXXX ( XXXX XXXX : XXXX XXXX )
Product: Checking or savings account

I have been closed my account for several years now at Regions Bank, because they were charging me overdraft fees I did not owe. I still have my account number and my statements and can prove they were causing me to overdraft. I see where they were finally caught and I want to know how I can get my money back? Please help me.
Product: Credit reporting

Tried calling TransUnion for assistance on my credit report. Was told " Special Handling '' is the only ones that can assist me with my report and that I 'd be transferred. No one ever answers when I call. I just receive voicemail. My calls are not returned. When I call back and ask for the direct number to this department, TransUnion wo n't give it to me. I 'm told I just need to call back to the regular number and asked to be transferred. 

I feel TransUnion is treating me different based on my prior complaints to the CFPB, and now TransUnion is failing to provide me the same assistance as they will to others on the phone.
Product: Debt collection

On XX/XX/XXXX, I purchased a 6-month membership with XXXX, payable in 3 installments ( {$91.00} each, {$270.00} total ). Before my third installment in XXXX, my credit card company had to lock my credit card because of an unrelated fraud charge. XXXX was not able to charge the third installment and instantly locked my account ( after two months ). I wanted to cancel my membership as well as my renewal, but since my account was locked, I couldnt do it. XXXX didnt give me access to my billing settings without paying the third installment. On XX/XX/XXXX, I received an email from XXXX, stating that my subscription had renewed for a 12-month membership plan, payable in 3 installments ( {$180.00} each, {$550.00} total ) on XX/XX/XXXX. I did NOT receive notifications prior to the renewal per the California Automatic Renewal Law. I now received an email on XX/XX/XXXX, from the National Service Bureau in XXXX, WA, informing me about a debt collection for XXXX with the assigned principal of {$550.00}. Again, I was not notified this would happen. If XXXX would have notified me prior to the renewal, I would have paid the {$91.00} remaining balance to cancel the renewal, even though I was not using their services anymore, but they did not contact me beforehand. I was also only able to use the service for two months instead of the agreed six months. I tried to contact XXXX but I can not find a phone number to call and talk to someone in person.
Product: Mortgage

I have been working on a deed in luie for over a year with BayView Loan Servicing and they keep kicking the paperwork back, do n't return calls, or keep setting me up in different programs I did n't ask for. Recently, I 've been entered into a forbearance agreement .... But I never asked for one. They can see from my financial disclosures that I ca n't afford to pay anything on my account. 

My processor, XXXX XXXX, writes me letters with her email address. I email her and she never responds. She includes her phone number, but she never answers it.
Product: Checking or savings account

Wells Fargo is attempting to collect on a closed checking account number XXXX, the amount of {$190.00} I believe. This amount includes a debit card purchase dispute in amount of {$290.00} from XXXX for an item I did not receive, sent via XXXX with a forged signature. As explained in prior CFPB complaints, XXXX driver has a habit a forging signatures, leaving packages where they can be lost/stolen, item never received. XXXX accepts signature as mine, despite forged by driver.. As stated before, I do not pay for items not received, will not pay amount of {$190.00}, Wells Fargo needs to cease and desist collection attempts, remove debt from account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Equifax regarding a XXXX XXXX account. On XX/XX/XXXX XXXX XXXX  agreed to DELETE the account from my credit file. XXXX XXXX authorized Equifax to delete the account on several occasions ( see letters attached ) and as of today, Equifax has refused to delete the account and has continued to report the account. 

The matter was forwarded to the Office of the Comptroller of Currency and they advised me that XXXX XXXX agreed to DELETE the account from my credit file. All the other two credit reporting agencies have complied with the request, but Equifax continues to report this derogatory information despite numerous requests by myself and XXXX XXXX  for them to delete the account. 

As of today, the derogatory account is still being reported by Equifax as accurate information. 

XXXX XXXX  sent me a letter on XX/XX/XXXX stating that they have exhausted all their attempts to have Equifax delete the account ( see Letter attached ) XXXX XXXX  has complied and Equifax continue their rogueish reporting and blatant disregard for the law and the Fair Credit Reporting Act by continuing to report the XXXX XXXX account despite numerous requests by myself and the bank for them to delete the account. 

It is also my understanding that Equifax has three ( 3 ) separate files under my name. I requested they merge those files into one file and they have also not complied. 

I have attached a copy of the credit report as evidence that the XXXX XXXX   account is still being reported by Equifax
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report. As a victim of a data breach, the following entries are unauthorized and must be removed pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts 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
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the XXXX 's XXXX XXXX Compliance standards, then I contest the reportability of any such claim. The XXXX 's XXXX stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, you must accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. 

Listed below are the Collections that are being challenged : XXXX XXXX XXXX Please verify if this belongs to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXX XXXX XXXX XXXX  Please verify if this belongs to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXX XXXX XXXX XXXX  Please verify if this belongs to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXX XXXX XXXX Please verify if this belongs to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

Listed below are the Inquiries that are being challenged : XXXX XXXX XXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX XXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX XXXX XXXX XXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX XXXX - XXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX - XXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX - XXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX - XXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I signed up for school at XXXX XXXX  and decided I no longer wanted to go there. I never enrolled in any classes. yes I applied for fasfa but I never applied for a student loan. I called them and they said I was XXXX XXXX XXXX  thats why they gave me a loan. in order for me to have a loan. I had to personally sign off on it which I did not. They also still keep enrolling me in classes and refuse to remove my loan. This is fraud and i am now reporting it if this is not removed from my credit in a timely matter. They are not authorized BY LAW to open any accounts on behalf in any way. I did not give my consent or signature. I did not receive any money from this loan. next steps will be to take this court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander has refused to remove a fraudulent account from my credit report despite me advising the company that after investigating the account they are reporting, I have found the account to have been opened by someone other than myself. Santander 's attorney XXXX XXXX, advised that an identity theft report must be made in order for them to stop reporting the fraudulent information. I have completed an affidavit with the FTC and would like the fraudulent information to be blocked or removed from my report immediately.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT AS WELL AS THEFT MY PERSONAL INFORMATION IS EXPOSED ON THE XXXXXXXX XXXX AS WELL AS A SECURITY BREACH. 

XXXX IS ONE ACCOUNT OF THREE OTHERS DISPUTED ON MY CREDIT FILE AND IS CONTINUOUSLY REAPPEARING ON MY CREDIT FILE. 

THIS ACCOUNT WAS REMOVED XX/XX/XXXX I RECEIVED THE RESULTS OF THE REMOVAL THEN ON XX/XX/XXXX I RECEIVED A NOTIFICATION THAT THIS ACCOUNT WAS CHARGED OFF AND THE ACCOUNT WAS CLOSED XX/XX/XXXX. THIS INFORMATION BEING REPORTED IS INACCURATE. THIS ACCOUNT IS NOT MINE
Product: Checking or savings account

I submitted a charge back to BOA on XX/XX/XXXX, BOA claimed they were waiting for the merchant to respond. Merchant says money has already been taking back from their account. XX/XX/XXXX BOA says they sent another chargeback to the merchant, merchant responded on XX/XX/XXXX, BOA claims their response wasnt good enough. BOA is now waiting for the merchant to send A BETTER RESPONSE If this whole time we were waiting for the merchant to respond and for me to finally get my money back, why wouldnt they close the case and issue my refund once theyve seen that merchant doesnt have creditable evidence?? Why is MY bank giving this merchant so many chances to respond to chargebacks that they can not provide evidence to?? The merchant has already said they were willing to give the refund, I have provided BOA with evidence saying the merchant is willing to give the response! BOA is refusing to close the case and issue the chargeback. It has now been 3 months of me fighting my OWN BANK to get funds thats owed to me!!! My next steps will be to get a lawyer involved and see about legal actions!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  # XXXX Date Opened : XXXX XXXX, 2015 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

In accordance with the Fair Credit Reporting Act XXXX XXXXt # XXXX, 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 an account without my written instructions. 

15 U.S.C 1666b A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Product: Mortgage

I have a condo that is in a Flood Zone. My HOA has Flood Insurance in place, and I have sent them the Certificate of Insurance and Declaration page several times. They continue to ignore that information, and put Lender Based flood insurance in place, even after I furnish the information. 

On XX/XX/year> they placed Lender-based Flood Insurane in the amount of {$1100.00} in place and paid from my escrow ( they had the HOA placed policy in hand and ignored it. ) On XXXX XXXX, they cancelled the insurance and reimbursed my escrow {$870.00}. 

On XX/XX/XXXX, they placed Lender Based Flood Insurance in the amount of {$1600.00} again ( different company ). 

They have the HOA placed Flood Insurance policy - Certificate in Insurance and Declarations page in hand, but ignore it, I have spent countless hour on the phone ( 4 - 5 hours at a time several times ) and it is an endless cycle of being passed off to another person, told to wait a week and it will all be ok and yet it is never resolved.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

XXXX XXXX XXXX XXXX XXXX