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

XX/XX/XXXX Bank of America Account XXXX XXXX Credit Card XX/XX/XXXX XXXX  XXXX XXXX Secured Credit Card The Fair Credit Reporting Act ( FCRA ) and related laws establish clear responsibilities for consumer reporting agencies ( like XXXX and XXXX ) and financial institutions in handling consumer data. Key points include : XXXX. Consumer Privacy : Under 15 USC 1681 602 ( a ), consumer reporting agencies must respect privacy and act fairly and impartially. 
XXXX. Consent Requirements : 15 USC 1681 604 ( a ) ( 2 ) specifies that consumer reports can only be furnished with the written consent of the consumer. 
XXXX. Data Sharing Restrictions : 15 USC 6801 and 6802 ( b ) ( c ) require financial institutions to protect nonpublic personal information and inform consumers of their right to opt-out of data sharing. 
XXXX. Limitations on Reporting : 15 USC 1681 1681c ( a ) ( 5 ) prohibits reporting adverse information older than XXXX years, except for criminal convictions. 
XXXX. Accuracy and Procedures : 15 USC 1681 1681s-2 and 1681e require that only accurate information is furnished and that agencies implement reasonable procedures to prevent unauthorized disclosures. 
XXXX. Opt-Out Rights : Under 12 CFR 1016.7, consumers can opt out of information sharing at any time. 

The individual revokes any prior consent for sharing information with XXXX, XXXX, or other entities and asserts their right to opt-out of reporting services while highlighting alleged noncompliance with these laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've previously disputed that this Bankruptcy account from the XXXXXXXX XXXX XXXXXXXX XXXX XXXX IL is reporting inaccurately and should be removed from my credit report. You guys claimed that it was verified, which is odd because I've checked with the XXXX XXXX XXXXXXXX XXXX XXXX XXXX IL and they have told me that they don't report to any credit Bureaus. I then told XXXX XXXX  that they were reporting this bankruptcy inaccurately and they deleted this account from my credit report immediately. So again I'm confused on how you verified this account if the furnisher you have reporting says they don't even report to you guys and XXXX XXXX deleted the whole bankruptcy from my consumer report. Yall have committed fraud against me and if you do not decide to delete this account from my credit report after receiving this complaint you will be violating 15 USC 1681n for negligent compliance and I will have no choice, but to take you to small claims court to take legal action against you as a federally protected consumer.
Product: Vehicle loan or lease

I am receiving emails and phone calls from GM Financial saying I am 4 months behind on my payments. I have not received a single letter in the mail by USPS about these late payments. I replied back to one of these emails saying I have cleared checks for the said non payment months.
Product: Debt collection

This account is fraudulent and I would like this removed from my account asap. this collection is not mines.15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Product: Checking or savings account

Deposited my mothers XXXX check for {$4500.00} on XX/XX/XXXX the bank deposited it then several hours later decided to close the account and are now holsinging those funds. I have a durable power of attorney for my mothers financial transactions, I did mail that to bbva. Its been almost 2 months now and we are getting nowhere! XXXX XXXX XXXX is XXXX XXXX XXXX, bbva wants a hold harmless form from XXXX or XXXX XXXX XXXX, XXXX has been on 3 way calls with me and bbva and told bbva they do not do hold harmless forms and never have, XXXX XXXX XXXX said to have bbva ask for the hold harmless form from them XXXX XXXX XXXX and they will get it taken care of, but bbva still has not requested that form to get this taken care of. XXXX XXXX said if bbva wasnt going to release those funds they should have never taken and deposited the check in the first place! If this were an individual you would have been arrested for fraud for stealing for holding that money for so long.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding account ending in : XXXX 15 U.S. Code 1692c- Communication in connection with debt collection, I XXXX XXXX XXXX XXXX Consumer, am demanding Discover Bank to Cease and Desist communication with my consumer credit report to all Credit Reporting Agencies on my behalf. Pursuant to 15 U.S. Code 1681a ( 1 ) ( d ) Discover Bank reporting to Credit Reporting Agencies is communication, and as of XX/XX/2022 I cease and desist Discover Bank communication. Failure to comply will result in many fines.
Product: Mortgage

I put an investment property under contract w/XXXX XXXX, in XXXX Utah, on XX/XX/2019. Even though I was pre qualified through a lender, XXXX XXXX has it in their contract that I have to be pre qualified through their " preferred lender '' First Colony Mortgage. So, I submitted my financials to them. XXXX XXXX, First Colony Representative, quoted me rates/fees, then said oh we can't do that for this property. Then she " locked '' me into rates/fees. Going through initial disclosure, I noticed that she had it listed as owner occupied, & not investment. So, I pointed out that to her. She said she can't do those rates/fees & offered me other rates/fees. I brought this up with XXXX XXXX, XXXX XXXX, VP of Sales & they backed XXXX. But they offered to let me out of the contract, so I took them up on their offer. When my REALTOR submitted the paperwork to get my earnst money back, they sent a no fault non-disclosure agreement they want me to sign before giving me my earnst money back. I refused to sign it.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX credit report has a bunch of inquiries that I did not authorize! A collection agency pulled my credit two times! Why would I authorize that! This company has never once contacted me! Plus the XXXX XXXX applications were to be soft inquiries!!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a complaint and the law states that there is a max 45 days to have a response to this complaint. I have yet to hear back regarding the complaint from Experian, so I assume that my complaint is indeed accurate and demand these fraudulent inquiries be deleted. 
Complaint Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Money was taken out of my account without my permission. Identity theft issues more than once with this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 U.S.C. 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. 
Please remove these inaccurate accounts stated in my credit report, and correct/update late payments on the accounts I was never late.
Product: Mortgage

Wells Fargo Home Mortgage sold my home loan without disclosing that they were selling it as required by California State Law. In addition, I missed a payment several years ago that I could have made if I Wells Fargo had informed me I could use my impound account to make that payment. They intentionally kept that information from me in an attempt to foreclose on my house because I had a large amount of equity established in the property. I met with them at a loan modification meeting arranged by them some time later, and asked them to take the XXXX payment I missed and put it on the back of my loan. They refused my request for a loan modification by stating that I was not eligible for that process. They charged me for an appraisal however that they never told me they were ordering and added the charge at the close of my escrow in XXXX. 

At the close of my escrow recently, Wells Fargo collected XXXX for alleged late payment fees, but refunded the money a few weeks after close of escrow. They explained in a letter that they had collected the late fees in violation of California State Law and were refunding the money with their apologies. 

With those fees refunded I was never charged a late fee by Wells Fargo during the entire duration of my mortgage. When I applied for a mortgage to purchased a new house, I was informed that Wells Fargo is reporting XXXX " thirty date late '' payments on my previous mortgage with them. That reporting has destroyed my credit score, and is preventing me from obtaining a mortgage now. 

So Wells Fargo intentionally withheld information that would have prevented me from missing the XXXX payment I missed in the XXXX years I had a mortgage with them. They refused to help by modifying my loan. They sold my loan without advising me, which violated state law. Then they report XXXX " XXXX day late '' payments on my mortgage when they never charged me a late fee. When I ask them to correct their reporting they refuse and added a statement to the reporting which further damages my credit score. 

This is the worst example of Banking Industry misconduct that I have ever seen. Wells Fargo did whatever it wanted to do without regard for law or human decency. They started off by trying to steal my house, and when that did n't work they punished me by trying to ruin my life.
Product: Debt collection

I received calls today from Direct Recovery Services, XXXX different numbers from XXXX different states all stating the same thing. 

" Up now. Again this is a final call for XXXX only. If you are not XXXX. You must hang up now. This is your final call. This is XXXX (? ) and your failure to respond has resulted in your file being audited. This call is to inform you that although your file was processed on Monday XXXX XXXX. Our client will allow us to resend this process if you call today. Again you have only today to rectify this matter. Please advise. You must call by XXXX today Wednesday XXXX XXXX at XXXX. Again we must hear from you or council immediately no later than XXXX today at XXXX. To be connected to a representative press XXXX now. This is a final urgent message. This matter is private and confidential. If this is not XXXX please hang up now. Again this is a final call for XXXX only. If you are not XXXX. You must hang up now. This is your final call. This is XXXX (? ) and your failure to respond has resulted in your file being! audited. This call is to inform you that although your file was processed on Monday XXXX XXXX. Our client will allow us to resend this process .... '' Message received on XXXX/XXXX/2016, XXXX ( XXXX ). Length XXXX seconds. 

This is a print out from my father 's voice mail which is the same that I received. I called this number back and was directed to a male who was very unprofessional. Raising their voice and saying things such as and I quote " If it were me I would get off the couch and pay the bill '' as if to imply that I am just being lazy. These practices are against the law. I have not received anything in writing. Only phone calls threatening legal action. I have requested written documents but have not ever been given anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see an erroneous account from XXXX acct # XXXX XXXX I never signed, never authorized and have no clue what contracts validates this balance and account with this company. I have asked for validation through the administrative process and still have not received any proof that this account belongs to me and that I the consumer owes a debt stemming from this fraudulent account. I also notice inaccurate 180 days reporting from Experian in XXXX, XXXX, XXXX, XXXX and XXXX all showing 180 days past due. Also in XXXX XXXX to XXXX and XXXX to XXXX all show 180 days which is incorrect. Also for XXXX, XXXX is inaccurately reported as 180 days past due and XXXX shows foreclosure started without validation on the account.
Product: Credit reporting or other personal consumer reports

These inquiries need to go. I'm unaware of them, and the company proceeded without obtaining my consent.
Product: Money transfer, virtual currency, or money service

Cash app locked, money missing etc and I could not access a live agent to assist. Waited days for response and eventually tried to open another account. Trying to open another account blocked from getting a cash app card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX GA, XXXX TRANSUNION TRANSUNION, LLC XXXX XXXX XXXX XXXX, PA XXXX XXXX Social Security Number : XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that [ US DEPT ED XXXX ] has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, XXXX  ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX GA, XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX  MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS XXXX TRANSUNION AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERES ALSO ADDRESS AND ACCOUNTS LIST ACCOUNTS BELOW 1XXXX 2. US DEPT OF EDUCATION 3. 4. 5. 6. ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS I HAVE BEEN DISPUTING THIS MATTER SINCE XXXX  AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, 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
Product: Credit reporting or other personal consumer reports

As of XX/XX/2023, I am being denied access to purchase a new car and access to a new home/ apartment because I can not lift the freeze manually from the Experian App. The Experian app prompts for two-factor authentifications to my old cell phone number. I have called Experian more than 8 times about this matter and just got stuck in their phone tree. On the two occasions that I did reach a representative, they were combative and did not update my contact phone number.

Many vendors that I have tried to do business with over the past month have recommended that I temporarily remove the security freeze from Experian so that the " vendor '' could extend offers of credit/ products to me. The last time I was able to access my Experian account was on XX/XX/XXXX when I changed my phone number with XXXX. Ever since then, Experian has been holding my credit XXXX. I have been able to change my number with everyone I do business with except Experian. I would like assistance in changing my contact information with Experian and hope you investigate ways to prevent Experian from doing this to any other consumer. I tried to create another account with Experian with my current phone number and new email address however Experian 's website stated " It seems you may have created an account previously '' after I entered my SSN and DOB. Unfortunately, there is no workaround. Just this complaint. Please help me.
Product: Credit reporting or other personal consumer reports

I have a few questions about inquires on a credit report. Is it true that in order to pull someones credit report, you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report without my authorization? 
XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to report inaccuracies and ongoing inconsistencies in the reporting of an account by XXXXXXXX XXXX XXXX XXXX across the three major credit bureausXXXX, Equifax, and XXXX. 

Description of What Happened Upon reviewing my credit reports from all three bureaus, I noticed that XXXXXXXX XXXX XXXX XXXXXXXX has inconsistently reported an account as follows : Initially, in XX/XX/XXXX, they reported the account to XXXX as " Charged Off / Unpaid Balance Reported as a Loss by XXXX XXXX. '' This designation clearly indicates that the debt had been written off by the creditor. 

Following this, I disputed the account multiple times with all three bureaus, as the reporting was inaccurate. I even sent a formal letter to XXXXXXXX XXXX XXXX XXXXXXXX requesting a Form XXXX for the cancellation of debt when the account was first reported as a loss. 

Despite these actions, XXXX XXXX XXXX XXXXXXXX began updating and changing the accounts type and status inconsistently between XX/XX/XXXX and XX/XX/XXXX. For example : The account was reported as " Open '' during some periods and later updated to " Closed / Collection '', conflicting with their initial designation. 

The account status also shifted between charge-off and collection across different bureaus, with conflicting payment history and " last activity '' dates. 

This pattern of inconsistent reporting violates the Fair Credit Reporting Act ( FCRA ). The information reported is not accurate, complete, or consistent, which has caused ongoing harm to my credit profile. 

Additionally, given that the account was reported as a loss by the creditor in XX/XX/XXXX, I request that this account not be reinstated, re-reported, or added back to my credit report in the future under any circumstances. 

Requested Resolution I respectfully request the following : Deletion of the Account : All information related to this account should be permanently deleted from my credit reports across XXXX, Equifax, and XXXX due to the inaccurate and conflicting reporting. 

Full Investigation by the CFPB : I ask that the CFPB investigate XXXX XXXXXXXX XXXX XXXXXXXX reporting practices and compliance with FCRA. 

Pull My Credit Reports ( XXXXXXXX XXXXPresent ) : I request that the CFPB investigator obtain all my credit reports from XX/XX/XXXX to the present across all three bureaus to review the reporting inconsistencies and ensure proper resolution. 

XXXXXXXX XXXX XXXX XXXXXXXX ongoing and inconsistent reporting of this account, despite initially marking it as a loss, is both misleading and harmful. I trust the CFPB to address these issues appropriately and enforce compliance with federal regulations. 

Thank you for your time and attention. Please let me know if any additional information or documentation is needed to support this complaint.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file XXXX XXXX XXXX XXXXXXXX Balance Owed : {$640.00} XXXX XXXX XXXX XXXXXX/XX/year>