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

Account name : XXXX XXXX XXXX Account number : XXXX Date : XX/XX/2023 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I, XXXX XXXX , consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ).

Account Name has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. Account name, legally obtained personal and private information and sold it to other reporting agencies, including XXXX, XXXX and Transunion. | did not grant Account Name permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders.

As the consumer and natural person, I am invoking specified remedy and make the following demands : Cease and desist reporting of the account name filings to all consumer reporting agencies.

Remove reporting of the account name filings from all consumer reporting agencies.

Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA. 

Regards, XXXX XXXX
Product: Mortgage

I am writing to bring to your attention a matter of concern regarding the reporting of late payments to credit bureaus during the active period of the Heroes Act. 

According to Section 110401 of the Heroes Act, it clearly states that negative consumer credit reporting is suspended for an additional 120 days during this challenging time. 

Unfortunately, I have recently discovered that Freedom Mortgage Corp has reported late payments to credit bureaus in XXXX  despite the Heroes Act being in effect during the specified period. This action appears to be in direct violation of the protective measures outlined in the legislation. Reporting late payments during the active period of the Heroes Act contradicts the spirit and intent of this crucial consumer protection. 

I request that Freedom Mortgage cease reporting the unvalidated 30 day late payments promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank, XXXX/XXXX, pulled a credit report from XXXX. On it were records from the three known agencies ( XXXX, XXXX, and XXXX ), which I monitor faithfully. It also included, however, a report from Lexis/Nexis ( I had no idea they were in this business. It contained incorrect public information ( a tax lien ) which I had removed from the other three sites. Lexis/Nexis provides no way to get your report online, nor to challenge online. It is all done via phone and mail, and the process is very opaque. You need to click through several screens to even get to some semblance of help. My bank is trying, with XXXX, to fix the problem. For consumers this is a nightmare. My guess is that 99.9 % of consumers have no idea that there are other " agencies '' reporting and monitoring their credit. 

I contacted Lexis/Nexis on XX/XX/19. The resolution will take up to 30 days and I had to push to get them to explain their process. I also sent them the page from my county collector ( XXXX County, IL ) to verify that there is no public record.
Product: Credit reporting or other personal consumer reports

Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next five business days from Experian, XXXX and XXXX XXXX collectively. I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common XXXX  XXXX  could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached address.
Product: Mortgage

I have attempted to get a loan modification from GMAC, nka OCWEN for 4 years. I have sent in XXXX modification packages with over XXXX documents in each one with delivery confirmation, have mailed the documents using delivery confirmation, have faxed them in and have emailed them. Every time they start to process, something is missing on their end. In total, I have faxed over XXXX pages of documents trying to facilitate their processing. Now the servicing agent, OCWEN, has started a foreclosure action, even though there is a modification package on file that is, again, in process. I thought GMAC scammed us all but the real scammer here is OCWEN. They now claim I owe {$74000.00} more than my original amount owed due to late fees, interest, penalties, real estate taxes and home owner 's insurance. I owe more since they have nothing but give me the run around about needing more and more documents. All in an effort to make more money.
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 ( Inquiry date XX/XX/XXXX ) has violated my rights XXXX XXXX XXXX ( inquiry date XX/XX/XXXX ) XXXX XXXX ( inquiry date XX/XX/XXXX ) XXXX XXXX XXXX ( inquiry date XX/XX/XXXX ) XXXX XXXX XXXX ( inquiry date XX/XX/XXXX ) XXXX XXXX ( inquiry date XX/XX/XXXX ) 15 USC 1681 Section 602 A states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian XX/XX/22 to have additional personal information remove from my report the rep I spoke to confirmed the info i request to have thats correct to stay on my report. She verified it would take XXXX hours to be removed. I called Experian again today XX/XX/22 to inform them I still have info that was verified to be taken off its still on my report. They advised the name is linked to an open accounts. It is listed as also known as. I informed Experian I do not go by an alias name nor did I ever go by another name previously. The accounts they are speaking of has collection on it. It can not be in collection and open at the same time. The address Experian refuse to remove I never live there and I told them I never live there before. They said that that address is linked to an open account and I advised them that open account was on my report years ago and this address is just populated on my account. I advised them that I have the paperwork with the address that should be on my report from that company available to send to them but they said that may not help and I have to reach out to the company. I explained to Experian that I spoke to the company and they sent me information to address thats on the account and it is not the XXXX address thats reporting on my consumer report. I informed experian XXXX times that they are violating my consumer right 15 USC 1681B and they did not seem to care because they say they are following their policy and I explained to Experian that XXXX XXXX Supersedes their policy.
Product: Debt collection

Went to The XXXX XXXX for a routine medical appointment early XX/XX/2018. Never received any letters from them or Armada Corp prior to them sending me to collections. I only went once, however Armada Corp divided the bill into 7 accounts, making it look like I have 7 claims against me. But most importantly the bill is only for {$170.00} and some cents, but Armada Corp is wanting me to pay {$270.00}. I spoken to a few representatives at Armada Corp but they all refuse to go down to the original bill. I am willing to pay the {$170.00} and some cents, but feel the {$270.00} is unfair and too extreme in collection fees. Also, I wish The XXXX XXXX contacted me first before placing in collections. I spoken to a representative from The XXXX XXXX as well, but they too did not understand why it went straight to collections. I requested for a rep to contact me from The XXXX XXXX to apply for charity care or some assistance based on income, however The XXXX XXXX never mailed me an application.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$450000.00} XXXX XXXX Balance : {$620.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$700.00} XXXX XXXX  XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance : {$630.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$450000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$620.00} XXXX  XXXX XXXX Balance : {$700.00} - tied up XXXX XXXX  XXXX Balance : {$4700.00} XXXX  XXXX XXXX Balance : {$630.00} - XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Just checked again today trans union still has not taking off the 2-3 inquiries off my credit report. I did put on a credit freeze and fraud alert on my report they did not block these fraud inquiries at all! XXXX and XXXX did. One online account from trans union is reporting 3 inquiries. This website I can see the companies for the inquiries also when I make a disbut online my inquiries cant be added the the list. Just can edit personal information as in address and phone numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Product: Credit reporting or other personal consumer reports

I demand under FCRA : Section 604 : Permissible Purpose My written authorization Proof that I personally initiated this inquiry. 

Either provide me strict proof or DELETE the item immediately. If you do not delete the inquiry in 15 days I will take legal action. 

Under 15 USC Section 623 you have 30 days to do a reasonable inquiry into this matter. 

If you ignore this letter and do not delete the inquiry or dont provide STRICT proof of authorization I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. 

Your cooperation in advance is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. RECEIVABLE MANAGEMENT COMP # # # # # XXXX XXXX XXXX XXXX XXXX both violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, the NO SURPRISE ACT, 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.
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. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKER 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 REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Credit reporting or other personal consumer reports

This loan was paid off in full in XXXX of XXXX. XXXX XXXX never closed the account, alleging we were issued a refund in an amount greater than what was owed. Why would they issue us a refund if we were paying the account in full? Regardless, we never received this alleged refund. This is corruption. XXXX acquired the loan and asserted we owed {$1000.00}, and now Mohela is asserting the same false claim. XXXX XXXX and XXXX were both revoked from servicing federal student loans due to misleading business practices. How long before Mohela suffers the same fate? Well, heres complaint number XXXX! They are attempting to service a loan that was paid off in full XXXX  years ago. Due to the extensive length of corruption from XXXX XXXX and XXXX, Mohela has now absorbed the same unethical, inappropriate practices that lost XXXX XXXX and XXXX this privilege. This is affecting my credit score, and I am extremely dissatisfied. Mohela is making false claims, and they failed to correct it.
Product: Student loan

My account has been passed to for several months. I have tried effortlessly to submit an application to Nelnet from once now they have my application on file and my tax forms for over a month and they have not started the application. I have tried to call them several times And I can never get a hold of anybody today on XX/XX/2023. I attempted to call again I sat on hold for over two hours and nobody ever pick up the phone. The guarantor has called me and told me if I do not get my account Current, they are going to record the account and place it into default, I told them my issues with the service are no net net and asked if they could please contact the service her buyers to start the application. They said they have no way to contact the servicer and that I needed to continue to keep calling them are stressed that I have been calling them and they do not pick up the phone. This is a complete failure by the guarantor and the servicer, and I am the victim because my credit reports have taken a massive hit due to the complete failure to respond to me as a consumer.
Product: Consumer Loan

I turned in my leased ATS Cadillac to the dealer on XXXX XXXX, 2016 at the end of the lease in impeccable shape. The inspection from Ally was done 3 weeks after I turned it in. I have gone around and around with Ally several times why I feel the charges are not accurate and request that a manager call me - which to this date has never happened. I want them to give me an explanation on what these charges are for and why they are refusing to dismiss - since the car was parked in the lot 3 weeks in a super tight lot - who knows who dinged the car in that time period. 

The car was sold at auction - and knowing that they are trying to make more money from me when they made their money ( and more ) from the auction dealer - is even more ludicrous and appalling. 

I am filing this complaint especially after seeing the XXXX dollar law suit that has been charged against them - and the unfair practices that they are known for.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX and XXXX XXXX XXXX Im putting you both on a XXXX hour legal noticed before a lawsuit with be filed on both of your companies for violation the FCRA and the FDCPA. XXXX XXXX XXXXXXXX I have sent in Numerous complaint warning you about the violation and you refused to investigate or to remove the account from all credit files my EM would be failure to conduct a proper investigation and punitive damages indicating that you cause me to file Chapter XXXX bankruptcy. You need to remove the tradeline immediately. Dispute remarks should have been placed on the credit report you failed. 

XXXX XXXX you also should have notified XXXX XXXX XXXXXXXX letting them know that I disagree with your lawsuit that you filed in the XXXX or XXXX Minnesota. I responded to your affidavit and sent it back to you in certified mail disputing the claim. Which put you in violation of the FDCPA or we could go the route of Section 1681 SI-2b Im warning you both if the item is not remove in XXXX hrs legal action will take place try me.
Product: Checking or savings account

On XX/XX/24 i deposited my irs check for {$2000.00} on my Capital One checking account. I received an email from Capital One saying the check would be processed and available next business day. 

On XX/XX/24 i received an email from Capital One stating that availability of my funds were delayed until XX/XX/24. I also received another email from Capital One saying my deposit was successful and would be available XX/XX/24. 

Later that day i received another email from Capital One stating they delayed the availability of my transaction until XX/XX/24. 

On XX/XX/24 i received an email from Capital One saying they delayed the availability of my transaction until XX/XX/24. 

On XX/XX/24 i called Capital One to ask why i have to wait two months for my money to be available. Basically was told that they have to contact the irs to verify before releasing the funds. 

In the past i've deposited irs checks on my other bank account ( XXXX  XXXX XXXX ) with no issues and it's available within a couple business days. Doesn't make any sense why Capital One needs to hold my funds for two months to verify with the irs.
Product: Credit reporting, credit repair services, or other personal consumer reports

ABSOLUTE RESOLUTIONS C XXXX**** Balance {$370.00} XXXX/XXXX XXXX Balance : {$0.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I never gave any written consent to any credit reporting agency to furnish my credit report as required by law Pursuant to 15 US 1681B ( a ) ( 2 ). 
Permissible purpose is written consent. No consent equates to identity theft.
Product: Debt collection

On XX/XX/XXXX BARCLAYS BANK DELAWARE was removed my credit report however, it was added back XX/XX/2021. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions. Requirements relating to reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please furnish me with copies of any and all such certification. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. Please furnish me with the required statements and data.