23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

XX/XX/2021 XXXX I walked over to wells Fargo as instructed by the representative that answered the phone. The direct branch was called XXXX. My good friend had a XXXX  XXXX and is in the hospital. My friend Mr. XXXX XXXX wrote a check to me. The representative that answered told Mr. XXXX that I can come to the bank with two forms of ID and debit card. I have now been sitting here over an hour. Whom Mr. XXXX spoke with will not speak up as the person whom he talked to. I have him on standby and then had him call the bank. The check is for {$2500.00} to me I brought my ids and Mr. XXXX called but they are not cashing it They ate not even addressing me. I am an upstanding XXXX XXXX. I am being treated like a criminal. I don't like the looks I m getting and nothing is being done. I am tiny, blonde, I have XXXX XXXX  and I feel like I am being judged. As I sit here no one is addressing me we are going on 2 hours. The check is made out to me I have ID. The check is real and not fraud. I feel this is being done because of how I look. 
I sat there fir three hours and in the end treated like a criminal. That check was 1000 % authentic. I had my IDs. The Manager came out to me in lobby after sitting there for almost 3 hours not being addressed at all. I can hear the comments and whispers yet not one employee has addressed me. The Bank XXXX comes out with check in her hand. She says to me. " I know for a fact that this check is fraudulent. You are trying to commit a fraudulent act in my bank. I am not honoring this check and we will not cash it. Then she flung the check in my face. I told her that the man who wrote the check is across the street in the hospital. I told her he needs to have some cash and was supposed to buy him some clothes. The Manager then again said the check is fraud we will not honor the check. I grabbed the check and told her the check was legit and I will be back. There were people in the bank and employee 's. I felt embarrassed I felt that I was being judged and I was treated like a criminal and I am not. 
The man who wrote the check who was in the hospital from having a XXXX and XXXX XXXX XXXX XXXX XXXX. He writes with right hand which means he cant write. I explained this to the Bank manager. The man Mr. XXXX XXXX called the bank to tell her to honor the check. She informed him that she can not cash a check without proper ID 's. I brought proper IDs. I was on the level. I was not committing. A crime and was not treated respectfully. I was discriminated and character was ( defamation ).
Product: Credit reporting, credit repair services, or other personal consumer reports

162.6 Reasonable opportunity to opt out. 
( a ) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to such consumer about the covered affiliate 's financial products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by this subpart. 

( b ) Examples. A reasonable opportunity to opt out under this subpart is : ( 1 ) If the opt-out notice is mailed to the consumer, the consumer has 30 days from the date the notice is mailed to opt out. 

( 2 ) If the opt-out notice is sent via electronic means to the consumer, the consumer has 30 days from the date the consumer acknowledges receipt to elect to opt out by any reasonable method. 

( 3 ) If the opt-out notice is sent via e-mail ( where the consumer has agreed to receive disclosures by e-mail ), the consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable method.

( 4 ) If the opt-out notice provided to the consumer at the time of an electronic transaction, the consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction. 

( 5 ) If the opt-out notice is provided during an in-person transaction, the consumer is required to decide, as a necessary part of completing the transaction, whether to opt out through a simple process. 

( 6 ) If the opt-out notice is provided in conjunction with other privacy notices required by law, the consumer is allowed to exercise the opt-out election within a reasonable period of time and in the same manner as the opt out under that privacy notice. 

As a federally protected consumer I am opting out of XXXX XXXX and Equifax reporting my nonpublic information. XXXX XXXX nor Equifax has my consent. XXXX XXXX agreed not to release my non public information unless it was to the reporting agency. Federal law only recognizes the Consumer Financial Protection Bureau as the ONLY credit reporting agency and the credit bureau does NOT furnish consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't authorize these Inquiries and I am not benefiting from these Inquiries. 
XXXX XXXX Inquiry date : XX/XX/XXXX, 2021-EXPERIAN. XXXX Inquiry date : XXXX XXXX, XXXX, XXXX  Inquiry date : XX/XX/XXXX, XXXX. XXXX XXXX : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX and XXXX XXXX date : XX/XX/XXXX -XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm writing this grievance in regards to Barclay Bank XXXX credit company. I recently check my credit report and realized there was an account that I did not open. I contacted the credit bureaus and Barclay through certified letters and asking for the documentation that shows my signature that I applied and signed on this account. Barclay has yet to send those valid documents but were sending the credit bureaus this inaccurate information. They in returned sent me billing statements that I knew nothing about. I have tried to resolve this issue for the last 60 days and they keeping saying its me without the proper documents. I have made a claim with the BBB on them also. As a consumer I 'm just trying to clear up this issue and moved forward. 
Thank you
Product: Student loan

I recently sent to XXXX, XXXX and XXXX and Aidvantage, the following information. 

" The IRS has mailed me copy B of form 1099-C verifying discharge of all student loans. Please update all loan records to be paid as agreed per the attached document in accordance with all laws that require you to report updated and accurate information as per the written instructions of the consumer. '' All 4 companies refused to update my records accordingly, even after providing them with Copy B of the 1099 from the IRS. I continue to receive demand for payment and a high balance reflected on my consumer credit report
Product: Credit reporting

There are incorrect addresses and a incorrect name on my report. I was told to send in proof of address and name which I did and the reporting agency, EXPERIAN, did n't remove it like they said they would. It 's illegal to report inaccurate information.
Product: Credit reporting or other personal consumer reports

I recently discovered several inaccuracies on my credit report that need immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ). Specifically : Multiple accounts, including those with XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX  XXXX, are inaccurately reporting late payments. Per 15 U.S.C. 1681i, I am disputing these inaccuracies and requesting the accounts be updated to reflect a status of paid as agreed/never late. 

The XXXX account is listed without proper validation. Under 15 U.S.C. 1692g ( b ), I have the right to request verification of the debt. I am demanding documentation such as the original signed agreement and proof of authorization to collect. If this validation is not provided, this entry must be removed from my report. 

There are unauthorized hard inquiries from XXXX XXXX  ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), and XXXX XXXX  ( XX/XX/XXXX ). Per 15 U.S.C. 1681n, these inquiries must be deleted unless evidence of my explicit consent is provided. 

My credit report includes an incorrect address : XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX. This must be removed immediately under 15 U.S.C. 1681i, as it does not belong to me. 

These inaccuracies not only misrepresent my financial history but also violate my rights under federal law. Credit reporting agencies are required to conduct thorough investigations within 30 days under 15 U.S.C. 1681i. They are also liable for damages if they fail to comply, as outlined in 15 U.S.C. 1681n and 15 U.S.C. 1681o.

I am requesting a detailed explanation of the procedures used during the investigation, per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), along with a corrected copy of my credit report. If these issues are not resolved promptly, I am prepared to escalate the matter by filing complaints with the CFPB and FTC or pursuing legal remedies. 

My goal is to ensure my credit report accurately reflects my financial history, and I expect this matter to be addressed with the urgency and thoroughness it requires. 

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

As dated XX/XX/2022, I, XXXX XXXX, Consumer, am aware Equifax Information Services LLC are in noncompliance of Federal Law Gramm-Leach-Bliley Act, as a federally protected consumer my rights have been violated.
Product: Mortgage

Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint to the denial of loan modification because your company failed to evaluate this borrower for allloss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). We have  been advised the loan does not qualify for a loan modification due to the income submitting showing the ability to afford the payment as it is on the loan - the lender has advised that the investor - ( XXXX XXXX ) will only allow a review for an in-house loan modification. The clients income that was submitted shows a total of {$XXXX} - Pension income of {$XXXX} / SSI of {$XXXX} and {$XXXX} - The current payment of the loan is roughly {$940.00} or higher - due to the clients hardship - ( loss of income ) - The expenses stated in the review are {$2800.00} - and the lender feels this is ok and the payment is affordable - we feel this review was not handled properly nor where all factors taken into consideration.
Product: Debt collection

To whom it may concern, I have disputed the account on my consumer report and also sent all the proof of verification.I have sent you copy of my Driver licence, Social security already I will also attached them to this complaint. 
First Name : XXXX XXXX XXXX name : XXXX Address : is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX is my current and only address. Please removed all the other addresses and name that are not me off my consumer report. I will also attach a copy of the police report this complaint. The following name and accounts are not mines and would like them to be removed from my report. 
These negative items on my report are causing me stress, humiliations, and my mental. because of these account I can not get approve for anything. 
I would like to have them removed from my consumer report. 
XXXX XXXX  Account # XXXX XXXX XXXX XXXX  : # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please removed the following addresses from my consumer report. The only address that should be on my report is the one I stated above. please removed these of my consumer report. 
XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2017 XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please remove the following unauthorized inquiries of my consumer report. 
XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX  Please removed any inaccurate information on my consumer report. 

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

Hey, I called XXXX XXXX about the reporting a closed account its not supposed to be visible on my consumer report. at the time it lowered my credit I want it removed immediately. I never gave them written consent to report.
Product: Credit reporting or other personal consumer reports

Experian continues to violate consumer protection laws against me and I am concerned that my private information isn't safe and is in danger of identity theft, fraud, and trafficking due to the sharing and furnishing of my information. I requested to opt out of those activities but XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Experian continues to violate various transactional and privacy laws. I ask that the CFPB enforce actions against Experian and its assigns, affiliates and non affiliates on handling my private accounts. Attached is demand affidavit and agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am actively investigating unauthorized access of my credit report and I have observed unorganized inquiries and or attempts of credit with my information. I have already contacted the individual credit companies and initiated disputes to have each of these inquiries removed from my report. 

Attached are the inquires mentioned as well as active dispute cases PLEASE REMOVE THE FOLLOWING UNAUTHORIZED INQUIRIES FROM MY CREDIT REPORT : XXXX  XXXX XX/XX/2021 XXXX  XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$9000.00} XXXX XXXX  XXXX Balance Owed : {$23000.00}
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX balance {$0.00}, XXXXXXXX XXXX balance {$0.00}, XXXX XXXX balance {$0.00}, DEPT OF EDUCATION/XXXX balance {$38000.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I am writing to formally report unauthorized hard inquiries on my credit report as a result of identity theft. I did not authorize these credit inquiries, nor did I apply for any new lines of credit associated with them.
Product: Checking or savings account

Frozen account multiple times and overdraft fees and low balance fees
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX
Product: Debt collection

I was only about XXXX or XXXX when I had a lady from Kohl 's Department store call me about paying off a debt who ended up making me feel even worse than I already did about owing money. When I explained to her that I could not pay anything because I was trying to finish school and that I paid for all of my own bills without help, she told me that I need to grow up and pay off my debt like a normal adult human being. She asked if I it made me feel good having debt. I do n't remember what I said back to her exactly but her words stuck with me and made me feel for a while. I felt horrible for owing money. I wanted to be responsible and take care of the debt but under my circumstances at the time, I could not.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. Account name TransUnion # XXXX under XXXX XXXX XXXX, 15 USC 1681 section 602 A. States I have the right to privacy. USC 1681 section 604 A. section 2 : it also states as a consumer reporting agency can not furnish an account with my written instructions. USC 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 antidates the report by more than seven years. USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I recently tried to refinance my home and XXXX open collections showed up on my credit report from Equifax. XXXX was for XXXX and the other for XXXX ( for XXXX ). I filed for Ch XXXX bankruptcy is 2009 and XXXX was included. When I saw this on my cr rpt I called XXXX and they said it was sent to collections post bankruptcy by mistake. They apologized and called the Collection Co. and reqt 'd they reporting it as a collection and close the account. I reqt 'd the Cr Bureaus to notified. But Equifax , et al, are still reporting it as a Collection but adding a note discharged under bankrutpcy. The XXXX acct was never in collections prior to the bankruptcy. It should be removed from the Collections section of my report. I have, in writing via em, from XXXX that this is the case, see attached. The second collection item from XXXX now shows paid in full, again it should never have been in collections. I have XXXX and XXXX XXXX. XXXX GA Med'l Ctr never billed my supplemental. I paid my co-pays and XXXX paid XXXX % of discounted fee, the remainder should have been sent to XXXX carrier, which was not done. I contacted to CEO office of XXXX GA and informed them of the open collection from XXXX whom XXXX GA employs as their collection agency. XXXX was ordered to show the accounts paid in full and to have them removed from collections. The accounts now show a zero balance but are still shown as collections. I have repeatedy ask Equifax & others to correct this.
Product: Credit reporting

Per the case number above, Transunion agreed that the Student loan with XXXX had been settled and that the balance would be corrected to zero and settled. I now pull my credit report and they have reverted back to showing a balance and open. The settlement to the above noted case was that TransUnion agreed the showed be XXXX balance and closed as of XXXX/XXXX/2015. I need them to correct this again. All supporting documentation is included with the original case.
Product: Debt collection

Under my rights as a consumer under the CFPB, the original debt owner and the debt collection agency failed to reach out to me in regards to the " false claimed '' debt asking to be paid. I requested in writing to each for validation of the debt and also signed contract with my handwriting and all personal information in regards to the debt. They have yet to respond within the allotted time permissible by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX {$840.00}, Credence Resources Management {$700.00}, XXXX XXXX XXXX, {$360.00} XXXX XXXX XXXX {$250.00}, XXXX XXXX XXXX {$230.00}, and XXXX XXXX XXXX {$230.00} has violated my rights.

15 USC 1681 Section 602 States I have the 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year, about mid XX/XX/2019 my Equifax score dropped 50 points in one day. I have talked on many occasions`to customer service and supervisors about this pro blem. I can't get any answer as to why score took such a big drop. No one at Equifax can answer this question.
Product: Mortgage

In XX/XX/XXXX I requested the name of the foreclosure attorney and a reinstatement quote. I took more than XXXX days to receive the reinstatement quote and I never received the name of the attorney. I faxed a XXXX page loss mitigation package on XX/XX/XXXX and I have a fax confirmation showing the transmission was successful. I called Stonegate on XX/XX/XXXX and was advised they never received the information and they have no obligation to search their records to locate the documents.
Product: Debt collection

Received a call from SCS Webpay https : //www.synerpriseconsulting.com on XX/XX/XXXX for a medical bill from XX/XX/XXXX for {$95.00}. They refuse to disclose any information regarding this debt other than that I owed it. They refused to send me notice in writing or give me a chance to dispute the debt. They refused to give any type of debt verification. They were also rude and unprofessional.
Product: Checking or savings account

My name is XXXX XXXX ; I am the trustee of the XXXX and XXXX XXXX revocable trust ; With respect to a 9 month CD # XXXX that was issued to the Trust on XX/XX/year>. The maturity date as detailed on the term deposit receipt indicated that I had 10 days from the date of maturity in which to withdraw the entire deposit. On the XXXX day I was unable withdraw the deposit due to the bank being closed in observance of XXXX XXXX XXXX, XXXX holiday. I went to the bank to withdraw the deposit on the next calendar day and was assessed a penalty of {$300.00}. 

I am disputing the penalty imposed and demanding that TD refund the sum of {$300.00} plus interest.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX - The following inquiries were not authorized and should not be reporting.