23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite my previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$850000.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$550000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and not only that I was a victim of the XXXX data breach inwhich has landed unknown and unauthorized accounts reporting on my credit file, therefore I'm asking that these accounts be removed. 

1. XXXX XXXX {$120.00} 2. XXXX XXXX XXXX 3. MO XXXX XXXXt
Product: Mortgage

I am in the process of selling my home and purchasing a new home. My current home is financed through OCWEN and the sale is scheduled to close on XXXX XXXX. I missed the XXXX 2016 payment and paid it, along with the XX/XX/XXXX payment and the late fee, on XXXX XXXX. OCWEN reported this as a late payment in XX/XX/XXXX, with the account being 30 days delinquent. The lender for my new loan denied my mortgage because of the late payment reporting by OCWEN. Because this was the only time in my near nine-year history of this mortgage that the account was in delinquency status, I requested that XXXX waive the late reporting and was informed that this is impossible because it was not legal to do so. My attorney then contacted OCWEN and requested that they provide a goodwill adjustment, which is a legal withdrawal of a late reporting. They again refused to do so. Their refusal to help a customer who has only had one late payment in almost 9 years caused me to be denied by the lender for my new home purchase. Due to the terms of the sale of my first home, I must vacate that property by XXXX XXXX. I attempted to see if OCWEN would approve me for a new home loan since I can not get approved for a loan elsewhere, and I was referred to their new loan division, Homeward. Homeward informed me that they are currently not writing loans for new home purchases. This leaves me with no home, as I can not purchase a new one, so my boyfriend, XXXX children, and I have nowhere to go. I recognize that I am the one who failed to pay the XX/XX/XXXX mortgage payment, but as I have now paid it and paid the late fee, I feel that I have done my part to make it right. Additionally, the entire mortgage will be paid off in full in six days. I feel that one late payment is not cause for a punishment of a poor credit reporting that results in my denial of a home loan and not being able to buy a new home.
Product: Credit reporting or other personal consumer reports

I have been notified of a potential violation of my privacy rights under the Fair Credit Reporting Act ( FCRA ), codified at 15 USC 1681, due to a data breach that resulted in the unauthorized disclosure of my personal information. I am requesting your immediate attention and assistance in addressing this matter. 

On XXXX and XXXX of this year 2024, I became aware that my personal information, including information, such as Social Security number, credit card information, or other sensitive data, was exposed during a data breach involving XXXX, XXXX and Equifax Credit Bureau. I believe this breach has compromised my right to privacy as protected by the FCRA, which mandates that consumer information be handled securely and only for permissible purposes. 

Since discovering this breach, I have experienced significant distress and inconvenience, and I am concerned about the potential for further misuse of my information. 

Under the FCRA, I understand that I have the right to : 1. Be notified of any unauthorized access or disclosure of my personal information.

2. Dispute inaccurate or incomplete information contained in my credit reports.

3. Take action against entities that fail to uphold their legal responsibilities under the Act.

I respectfully request the following actions : 1. Investigate the circumstances surrounding the data breach and the exposure of my personal information.

2. Provide me with detailed information about how my data was compromised and the measures being taken to prevent future breaches.

3. Assist me in addressing any inaccuracies in my credit report that may have resulted from the unauthorized use of my information.

4. Hold accountable any entities responsible for negligence or failure to comply with the provisions of the FCRA.

I have enclosed copies of relevant documents, such as notifications of the breach, credit reports, or correspondence with the company involved to support my claim. Please let me know if additional documentation is required.
Product: Credit reporting or other personal consumer reports

As stated in Section 602 ( a ) of the FCRA, there is a need to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. As a consumer, I have the right to protect my private information from being shared without my consent.

Under Section 6801 of the FCRA, it is the policy of Congress that financial institutions have an obligation to protect the privacy and confidentiality of their customers ' nonpublic personal information. As a " furnisher of information to credit agencies, '' XXXX falls under this definition of a financial institution. 

I want to bring to your attention Section 604 ( a ) ( 2 ) of the FCRA, which states that consumer reporting agencies may only furnish consumer reports with the written consent of the consumer to whom the report relates. I have not provided my written consent for XXXX to furnish my information to consumer reporting agencies such as XXXX, XXXX and Experian. Therefore, all consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Furthermore, under Section 6802 ( b ) ( c ) of the FCRA, financial institutions are required to inform consumers of their right to exercise a nondisclosure option. I was never informed by XXXX of my right to opt out of having my information shared with consumer reporting agencies. 

I also want to bring to your attention Section 1681C ( a ) ( 5 ) of the FCRA, which prohibits consumer reporting agencies from reporting " any other adverse item of information '' without the consumer 's permission. By reporting this account without my consent, XXXX is in violation of this law. 

Moreover, Section 1681s-2 ( a ) ( 1 ) ( A ) of the FCRA prohibits the furnishing of inaccurate information to consumer reporting agencies. If XXXX knows or has reasonable cause to believe that the information being reported is inaccurate, it is your responsibility to correct or remove it from my credit report. 

Finally, according to 12 CFR 1016.7, I have the right to opt out of your reporting services at any time. I am exercising that right and demanding that XXXX cease reporting my information to consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like this to be taken very seriously as I 've been working extremely hard to clear up and clean up my credit ; Prior to my credit updated via XXXX XXXX, I had a XXXX via XXXX + XXXX on my TransUnion, My new SECURED CC had yet to report ( The balance is less than {$33.00} ( It 's now showing {$190.00} ) ) - However I also still had a collection on my account prior to it updating. 

The final collection account was finally removed ( So I had nothing remaining in collections when it updated ) and my secured card finally showed up, somehow my TransUnion dropped 25 Points to a 515 ; and My XXXX dropped 62 Points to a XXXX. 

Keep in mind, there 's no more collections after I had a TON of collections removed etc and cleared up, Additionally I got a new CC ( Secured ) and have less than a 25 % current balance on that card. 

I was expecting my scores to skyrocket, instead they 've tumbled. WHY is this exactly, I really do n't understand, I 've done everything to clear this up and get this fixed. It does n't make any sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE-ATTEMPTING WITH NEW INFORMATION I requested an investigation ( sent XXXX and XXXX XXXX ) - IGNORED/NO RESPONSE. I then requested a re-investigation after multiple accounts included in initial letter were not acknowledged by XXXX through my online account ( sent XX/XX/XXXX and XXXX. XX/XX/XXXX ) - IGNORED/NO RESPONSE. The 2nd letter involved account showing multiple inconsistencies. 3rd letter sent is a demand for deletion of account due to the obvious ignoring of my dispute letters of said account as a consumer of which I was entitled to under the Fair Reporting Act. It is obvious an accurate investigation or even acknowledgement of dispute letters were even done! 3rd letter also demands deletion of account due to account inconsistencies still showing on a CHARGED OFF ACCOUNT NOW SHOWING THE ACCOUNT BEING OPEN!!!! It is obvious XXXX did not verify nor did they investigate this account with the debt collector! Charged off accounts can not be " re-opened '!!! Since the beginning of the dispute process XXXX has not done due diligence... .they have now taken it upon themselves to change the status of this account from charged off to open! Update as of XX/XX/XXXX : XXXX has now turned it back on XXXX and stated that XXXX has verified the account and that I need to send in more documentation that the account information I sent in is accurate??? ( I have already sent 8 pages )! THIS IS ABSOLUTELY INSANE! Who is protecting us as consumers?! Not Only have they listed the account as Charged Off TWICE in 2 separate years ... .they have now re-listed as of XXXX the account as OPEN when the account was included in a BANKRUPTCY! ILLEGAL ILLEGAL ILLEGAL!! I smell a lawsuit in the very near future, someone better take care of this mess and real quick!! On this premise alone the account must be delete ... .not corrected, not adjusted, no new information added ... NOTHING BUT DELETED!! It is doing irreparable harm to my credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian, XXXX XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update this account completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I have been with Bank of America for about 3 years small business banking. When i signed up they offered alot of stuff to do with small business. I also got XXXX XXXX system which was new to keep everything up to date in my smoke shop. After hard times with my XXXX i wanted to sell it right before 3 years and now i am getting charged and termination fee and also from XXXX XXXX i am getting charge to for the XXXX XXXX which i do want to send back to them but they still charging me for it also for breaking the contract. I spoke to so many reps and told them that i never knew there was a contract i would never get it and the rep who sign me up did n't tell me of this because i would never get. When i talked to a business account rep inside the Bank to help me out he told me to open up another account and get get another merchant services account set up and i could get your money back. That does n't sound it would solve my problem at all because doing that i would be stuck again. I been giving a run around for 6 months now and they just keep getting my money and time also hurting my credit report. I asked them where is the paper i sign because the papers you guys gave me had nothing on it. I know its not me there is more customers out there who is getting hurt from this. Bank of America is hurting there small business customers to hit their quota.
Product: Mortgage

In XX/XX/XXXX, the monthly mortgage payments increased tremendously, making it impossible for me to stay current with the loan. The bank started a legal action to foreclosed on my home that same year, XX/XX/XXXX, but the case was discontinue. However, in XX/XX/XXXX, the bank started a new foreclosure action against me. I have been trying to resolve this issue because I have the best intentions to stay in my home and pay my mortgage. However, the bank is not allowing me to modify my loan. I tried to applied for a loan modification but I was denied on XXXX XXXX, XXXX and I was denied as well on XXXX XXXX, XXXX. I am a good candidate for a loan modification but it seems that the bank 's interest is not help homeowners whose best intentions are to pay their debt. The bank 's interest seems to be foreclosing on homes. There has to be something wrong with that. It does not make sense.
Product: Credit card or prepaid card

on or about XX/XX/2019 Capital one failure to take reasonable steps to secure its network led to a data breach, Capital One was reckless and completely disregarded the rights of Mr.XXXX by failing to implement and maintain adequate data security measures and therefore exposed information to criminals for misuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this inaccurate information to XXXX XXXX  XXXX. With all three bureaus TransUnion, XXXX and XXXX. I have added an attachments from all three bureaus showing different information on my credit reports. XXXX XXXX XXXX have inaccurate updated information with the Date being reaging the account to ( XX/XX/2021 ) this account is over XXXX years old.
Product: Credit card or prepaid card

When I got 2 different Mortgage Loans... perhaps over charged on my New Loan ..can you please check .... & Chards have a Very high % % % % % % % % why ... ..Thank you ... XXXX XXXX been a Wellsfargo Customer since 1987 ... XXXX XXXX Many years ....
Product: Checking or savings account

They close my account without telling me, and I think I have money in it they closed my account, but they never sent the checks but all of them
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been advised by my credit card companies that my credit score ( usually over XXXX ) dropped significantly in XXXX, 2023, as reported by Equifax and XXXX. On checking my scores, they seem to have dropped by approximately XXXX points in a single month. I have checked my credit reports with both companies and have no issues that would have caused such a drop. 

I did get within {$500.00} of the {$5000.00} limit on one credit card - unusual for me- but that's the only factor I can see that might have caused the drop in my score. Again, that amount was UNDER my limit, not over it. 

It seems to me that such a drop is unfair to myself and other consumers, given the facts I've stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with federal credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 in addition to a violation of my privacy reporting without my written instructions violate my rights under 15 usc 1681 section 602, 15 usc 1681 section 604, 15 usc 1681 c a 5 and 1681s-2a1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

On my report there is a credit card I did not recognize. I called the company months ago. They verified the debt saying I did open the account and would help no further. After multiple attempts to fix this they continued to say I owed XXXX XXXX Finally I asked them to remove it if I just paid the debt, that I didn't want it on my credit. They refused. They told me they would only report it paid off, it now shows a XXXX balance but still as charged off and not paid off just closed charge off. This was done in XX/XX/XXXX they are still reporting this as a late payment every month both XXXX and XX/XX/XXXX. I want this off my credit. It is through XXXX XXXX XXXX  open date was XX/XX/XXXX. Last Status change date was XX/XX/XXXX. This is harmful and irresponsible of their company to continue to harass my credit. I never authorized this card to start with and assumed if I just ate the cost it would be worth it to have it removed.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

XXXX from XXXX on XX/XX/2023. 
Inquiry from XXXX XXXX XX/XX/2023 Inquiry from XXXX XXXX on XX/XX/2023. 

I didn't apply for anything but it's showing in my credit report and it shouldn't be there. This is a fraudulent acccount
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute and Complaint Regarding Inaccurate Student Loan Reporting and Breach of Privacy To Whom It May Concern, I would like to formally dispute the inaccurate reporting of my student loan accounts serviced by XXXX. I have recently discovered multiple severe legal violations concerning the handling and security of my personal information associated with these loans. Due to these breaches, I am requesting the immediate removal of these accounts from all credit reports and databases in which they have been recorded. 

Specifically, my personal and financial information related to these student loans has been improperly accessed by unauthorized third parties, including but not limited to XXXX XXXX and/or his affiliated entities. This unauthorized access constitutes a clear violation of my privacy rights and the following federal laws : The Family Educational Rights and Privacy Act ( FERPA ) My educational records and related financial data were accessed without my consent, directly violating FERPAs protections against unauthorized disclosure.

The Privacy Act of 1974 My personally identifiable information ( PII ) was unlawfully disclosed to unauthorized individuals and entities, breaching my fundamental right to privacy under federal law.

The Higher Education Act The mishandling of my student loan records and unauthorized third-party access violate the statutory protections afforded to borrowers under this act.

These egregious breaches not only invalidate any data associated with these accounts but also demonstrate gross negligence in protecting borrower information. I demand the following corrective actions : The immediate removal of all student loan accounts serviced by XXXX from my credit reports and any other reporting agencies. 

A full investigation into the unauthorized access of my private information, including disclosure of the parties involved. 

A written confirmation that my disputed records have been corrected or deleted to prevent further unauthorized access or reporting inaccuracies. 

Failure to address these violations in a timely and satisfactory manner will compel me to pursue all available legal remedies, including but not limited to filing complaints with the U.S. Department of Education, the Consumer Financial Protection Bureau ( CFPB ), and initiating legal action for damages resulting from these violations. 

Please provide a response to this formal dispute within the legally required timeframe. I expect XXXX to act in compliance with federal law and take immediate action to rectify this serious matter.
Product: Student loan

I made a large payment to my consolidated federal loan ( {$2000.00} on a ~ {$14000.00} loan ) on XXXX XXXX, 2021 believing that it would allow me to advance my due date once the current period of forbearance is suspended in XXXX. Nothing on my servicer 's website indicated that because the current mandatory forbearance period is in effect, I am in fact not eligible to advance my due date. In fact, the service still included an optional box for the payer to select if they wanted to opt OUT of advancing the due date. Additionally, none of the adjacent FAQs provide this information to the borrower. Now they are telling me I can initiate a refund request, which they say can take 90 days to fulfill, and then make the payment later.