23daVinci/CFPB_Complaints huggingface dataset:
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following addresses are also in violation of my consumer rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following alias listed on my credit report are a violation of my consumer rights : XXXX XXXX XXXX XXXX XXXX following employers listed on my credit report are a violation of my consumer rights XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX The following personal information listed on my credit report are a violation of my consumer rights 1986 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 168s-2 ( A ) ( 1 ) - Responsibilities of funishers of information to consumer reporting agencies. 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. 
I have also filed an identity theft report with the Federal Trade Commission on XX/XX/XXXX, XXXX, report number # XXXX, XXXX, XXXX
Product: Student loan

I have attached screen photos of navient and employees insurance the fraud form navient asked me to complete undet a t I tal and permanent XXXX looks like a form for life and XXXX insurance there other Financial services that navient offered other than student loan that is published on navient website personal medical information has been released to navient at XXXX provider XXXX XXXX XXXX  and them also medical professionals involved in fraudulent and misconduct. One of navient employees could have taken life and XXXX insurance using my personal information
Product: Credit reporting

I have a past due payment on my credit report for XXXX and XXXX ( Transunion and XXXX ). I do not own this credit card.
Product: Credit reporting or other personal consumer reports

I changed my name. I contacted all of the credit bureaus to provide updated information. Equifax did not make the change. I contacted and they told me what inofrmation i needed to submit to make the changes, i did that. I mailed it to them 3 times XXXX  once certified mail and the inofmration has not been updated and i am unable to have my credit report so i can apply for credit, buy a home, etc.
Product: Mortgage

1 ) In  XXXX     2017 re ceive d 3 n otices from  Wells Fargo Stating that payment was late fo r the month and that a late charge was being levied. I was also sent notices threatening foreclosure and credit degradation.       2 ) I was further instructed that payment was due on th e   XXXX   of  each month and only as a courtesy they were tolerating a 15 day late period which is directly contrary to My VA loan closing statement clearly states that I have up to the  XXXX  of every month to make payment without penalty. That is a part of my contract with the  Veterans Administration and n ot a " courtesy ''. It is contract.        3  ) I received a  XXXX     2017 not i ce from Wells   Fargo Stating t hat a shortage was detected in the Escrow Account, for the amount of  XXXX  and that if I paid the amount by  XXXX  's payment my new payment would be  XXXX  I s ent Wells Fargo , Checks for  XXXX  ( ck  XXXX  ),  XXXX  ( ck  XXXX   )  and  XXXX  ( ck  XXXX  ) which total in excess of the  XXXX  Escrow account Mortgage account combination by  XXXX  Less the  XXXX  " shortage amount '' leaving a refund due of  XXXX .      Wells Fargo is  refusing to refund the  XXXX  overage.        4 ) Wells Fargo  consistently misled and falsified records saying that I made monthly check payments of  XXXX . I have never written the monthly checks for that amount.       5 ) I have written repeatedly about the " unapplied '' funds account that appears to be used as a paper front. I write checks that say either principal &  Interest  only or escrow only an  d Wells does not deposit them in either but liquidates them into an " unapplied '' funds account, which has no legally binding balance sheet. ( A balance sheet is not a work sheet ) Then Wells deducts the amount they choose, leaving an balance that does not show how much was deducted from the " unapplied '' funds account and how much remains in respect to that
deduction.. 6 ) I have never been late on this VA Loan in the near 10years of its     execution. I have never fail in taxes nor insurance The balance in the unapplied account is never fully applied to either account Mortgage PI nor Escrow, yet there is a paper front that the account exists. It would not surprise me to find out that this money is being used to support other accounts not related to mine. There is no legitimate reason that this account should exist.
Product: Debt collection

Amount continued to rise after I was told it would not keep going up. Amount is now {$2100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct.

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

This company is trying to collect a debt that does not belong to me.
Product: Credit card

XXXX closed my XXXX XXXX credit card for no reason, no advance notification.
Product: Debt collection

I received a letter on XXXX XXXX, 2015 from Convergent Outsourcing to collect a debt that I initially disputed with the company they represent directly which is XXXX. I therefore sent a certified letter disputing the debt which was received on XXXX XXXX, 2015 by the company. Convergent Outsourcing responded on XXXX XXXX, 2015 noting that they were not handling the case. I then pulled my credit report and noticed that another company, XXXX, had placed the account on my credit report in XXXX 2015 and had not provided any notice prior to doing so. On XXXX XXXX, 2015, I received a letter from them notifying me that XXXX placed the previously disputed debt with their agency ; however they never notified me before placing the item on my credit report. I therefore sent their agency a certified letter on XXXX XXXX, 2015, which was received by their company on XXXX XXXX, 2015, informing them that I was not notified of the debt and they did not follow the procedures of the Fair Debt Collections Act. As of XXXX XXXX, 2015, XXXX has yet to respond to my notice or letter. Before this account was placed with collections, XXXX refused to correct the charges and was charging me for services not received. XXXX was attempting to charge me for service on a telephone that had not been used since XXXX 2015. I spoke to a XXXX representative on XXXX XXXX, 2015, who said that they could see where the phone was not used since before XX/XX/XXXX and was attempting to credit the account then discovered they could n't because it was sent to collections on XXXX XXXX, 2015 ; one day after I received a bill from them. XXXX is jumping the debt from collection agency to collection agency because they know that the debt is not a valid amount ; I have also confirmed that they have taken these same actions against other people who cancel their telephone service with them as well. Both XXXX and their collection agencies are taking actions that are unlawful and unfair to consumers who attempt to do right.
Product: Credit reporting or other personal consumer reports

Please address this matter urgently, as Ally failed to contact me before reporting the missed payment to the credit bureau, even though, as a cosigner, I should have been informed. They also refused to help my girlfriend under extreme circumstances. 

I cosigned on a vehicle for my girlfriend, who has made every payment on time for over XXXX years. However, in XXXX, XXXX XXXX hit Georgia, destroying our home and causing her to miss her first payment. In the aftermath, my loan provider, XXXX, granted me a courtesy forbearance, and I assumed Ally would offer her similar assistance. However, when she reached out to Ally, they refused any form of support or relief, despite the financial impact of the hurricane. 

My girlfriend did not inform me that Ally had denied her assistance, so I was unaware of the missed payment. The payment eventually went 30 days past due, and Ally never notified menot by phone, email, or maileven though I am a cosigner. I only discovered the issue when I saw my credit report, showing a XXXX drop due to the missed payment. 

I contacted Ally twice to resolve this. On my first call, their outsourced customer service struggled to understand the situation and promised a manager would follow up, but no one ever did. XXXX weeks later, after a lengthy phone call, I finally spoke with a XXXX. I explained that my girlfriend had always paid on time and that this was a unique situation caused by the hurricane. However, they still refused to remove the negative mark from my credit report, saying, you should make your payments on time, even though the missed payment was due entirely to a natural disaster. 

Allys refusal to assist, given these circumstances, shows a lack of compassion and a failure to follow the standard practice of notifying responsible parties, such as the cosigner, and their responsibility to provide reasonable assistance after a major disaster.
Product: Debt collection

I am contacting you about the compromising of my social security number. I am a victim of identity Theft. I obtained a police report # XXXX. Please block and remove all information from my credit report. The following item do not belong to me and is a result of fraud that I did not authorize.
Product: Checking or savings account

The Truist merger caused a savings account that I am custodian on to become inaccessible to me. After trying to get it fixed for several weeks I went into the bank to close the account. Their system was down and they could not complete the transaction. I left after an hour of waiting and asked them to let me know when it was completed. It has been a week and no one will respond to my phone calls, the account is still not accessible or closed.
Product: Checking or savings account

I used XXXX sent {$500.00} on my DISCOVER online saving account on Friday ( XXXX, XXXX ) and XXXX was down at that time. The recipient didnt get my payment and the money didnt go back to my account! I called DISCOVER on Monday ( XX/XX/XXXX ), the only way they can do is just research, and Then I need to call back and ask. Its so terrible, where is my money?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I noticed some credit inquiries in my credit report of XXXX XXXX, XXXX  and XXXX  which I don't recall authorizing them. Please help me with this issue. Following Inquiries I don't recognize - XXXX XXXX XXXX XXXX via XXXX XXXX XXXX  XXXX  ONEMAIN FINANCIAL XXXX
Product: Mortgage

Mortgage company has been collecting taxes in escrow account since I refinanced mortgage in XX/XX/XXXX. Taxes were due to XX/XX/XXXX and I got a notice from the county ( XXXX ) during week of XXXX  at which point I contacted the mortgage company ( The Money Source ( XXXX XXXX XXXX https XXXX XXXX  ) multiple times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Every time I was told that their team is researching the parcel number ( XXXX ) for property and I provided Property Parcel number from the county notice. Its been more than a month since I started following up and have been receiving the same response without any resolution. As of XX/XX/XXXX the property tax is going to be 2 months late.
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 U.S. CODE 1681, 15 U.S. CODE 1681B, 15 U.S. CODE 1681C-2, 15 U.S. CODE 1681 S-2. 

XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX 15 U.S. Code 1681b A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) The person who obtains such report from the agency certifies to the agency that ( i ) The person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) The consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.

15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 U.S. Code 1681 C-2 Notification to consumer If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.

15 U.S. Code 1681 S-2 ( A ) Reporting information with actual knowledge of errors 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: Debt collection

PULL MY CREDIT REPORT ON XX/XX/2023 FOUND OUT I HAD UNAUTHORIZED ACCOUNT WAS OPEN UNDER MY NAME WITH ALL THREE CREDIT BUREAUS.I HAVE OBTAIN POLICE REPORT TO LET THEM KNOW WHAT IS GOING ON XXXX, XXXX XXXX, XXXX WAS OPEN WITH MY UNAUTHORIZED
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX  of   XXXX   I filed for a chapter  XXXX  bankruptcy which included Just Military Loans as a creditor. Just Military Loans continued to email me asking for payment and harassing me even with an automatic stay in place and after my attorney sent them the paperwork. Instead of updating the account with " included in bankrupty, closed, {$0.00} balance '', they sent the account to collections. The collections company  XXXX   XXXX   XXXX  has put a collections account on my credit report further ruining it when they should not have received the account in the first place. I contacted  XXXX  asking them to remove the account and they said they will not. My attorneys have contacted them showing the account was included in bankruptcy but I am continuing to receive letters demanding payment. I want this account removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX XXXX XXXX XXXX. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to bring to your attention a matter of utmost concern regarding the unauthorized sharing of my personal information with non-affiliate third parties by XXXX XXXX XXXX. This action is in violation of various federal laws, including but not limited to the Consumer Financial Protection Act ( CFR ), Uniform Commercial Code ( UCC ), Privacy Act of 1974, Family Privacy Act, and the Fair Credit Reporting Act ( FCRA ). 

The specific legal references for these violations are as follows : 1. **Consumer Financial Protection Act ( CFR ) and United States Code ( USC ) : ** - 5 USC 552A, 45 CFR 155.260, 15 CFR 325.16, & 21 U.S.C . 371. 

2. **Privacy Act of 1974 : ** - The Privacy Act of 1974 prohibits the disclosure of personal information without the consent of the individual. By sharing my personal information with non-affiliate third parties, XXXX XXXX XXXX has violated the provisions of this act. 

XXXX. **Family Privacy Act : ** - The Family Privacy Act safeguards the privacy of individuals and families by regulating the disclosure of personal information. XXXX XXXX XXXX 's unauthorized sharing of my information is a clear violation of the Family Privacy Act. 

4. **15 USC 6802 thru 6805 ( FCRA ) : ** - The Fair Credit Reporting Act ( FCRA ) prohibits the unauthorized disclosure of consumer credit information. XXXX XXXX XXXX actions are in direct contravention of the FCRA. 

5. **15 USC 1681B ( FCRA ) : ** - Section 1681B of the FCRA outlines the conditions under which consumer reports may be furnished. The unauthorized sharing of my personal information constitutes a violation of this section. 

Additionally, I must bring to your attention that, by law, XXXX XXXX XXXX is required to send me an opt-out notice every 30 days, which I have not received. Furthermore, it is imperative to note that by law, XXXX XXXX XXXX is not supposed to give my information to any non-affiliate third-party companies. 

In accordance with the aforementioned legal provisions, I am hereby invoicing XXXX XXXX XXXX for the sum of XXXX XXXX dollars ( {$1000.00} ) per violation. Please note that each instance of unauthorized sharing of personal information constitutes a separate violation. 

Payment should be made within 30 days of receiving this invoice. Failure to comply with this payment request may result in legal action to seek redress for the damages incurred, including but not limited to pain and suffering for negative adverse actions throughout this time period. 

If XXXX XXXX XXXX fails to rectify this situation within the specified timeframe, I must inform you that I will have no choice but to pursue legal action under 15 US Code 1681 ( Identity theft ) and 16 CFR 433.2. 

I expect XXXX XXXX XXXX  to address this matter promptly and take corrective measures to prevent any further unauthorized sharing of personal information. If you require any additional information or clarification, please do not hesitate to contact me in writing. 
Email : XXXX Or by mail. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Other financial service

My wife XXXX and I sold our house in XXXX ( NH ) on XXXX XXXX of this past year. The closing date was XXXX XXXX, 2015. At that time, {$1500.00} of the sale price was not returned to us due to a title issue, the funds being held in escrow by XXXX XXXX. The title company requested a corrective discharge from XXXX XXXX XXXX because they discharged the loan without having ownership of the it ( i.e., the loan ). They, in turn, have requested an assignment of mortgage from XXXX ( account # XXXX XXXX to XXXX XXXX XXXX in order to " make the discharge valid ''. Despite the many attempts by XXXX XXXX, Closing Coordinator at XXXX XXXX, all requests for action have gone unheeded. She was told in XX/XX/XXXX that there would be a resolution in 2-3 weeks, but nothing has happened. In the meantime, {$1500.00} of our money has been tied up for nearly eight months through no fault of our own. 

We are writing to request that your office intercede with the XXXX banks in resolving this matter on our behalf. Thank you very much for considering this request. 

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

I want everything on my transunion credit report remove cause my last name is spelled wrong. Every account is outdated and my name is spelled wrong My name is XXXX XXXX XXXX not XXXX XXXX