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

15 U.S. Code 1681b : violation furnishing reports in connection with credit transactions not initiated by the consumer. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX. 
PLEASE REMOVE FROM MY REPORT IMEDIATELY. 

15 U.S. Code 1681b : violation furnishing reports in connection with credit transactions not initiated by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE FROM MY REPORT IMEDIATELY. 

15 U.S. Code 1681b : violation furnishing reports in connection with credit transactions not initiated by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE FROM MY REPORT IMEDIATELY. 

15 U.S. Code 1681b : violation furnishing reports in connection with credit transactions not initiated by the consumer. XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE REMOVE FROM MY REPORT IMEDIATELY. 

15 U.S. Code 1681b : violation furnishing reports in connection with credit transactions not initiated by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE FROM MY REPORT IMEDIATELY. 

15 U.S. Code 1681b : violation furnishing reports in connection with credit transactions not initiated by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE REMOVE FROM MY REPORT IMEDIATELY. 

15 U.S. Code 1681b : violation furnishing reports in connection with credit transactions not initiated by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVEFROM REPORT IMEDIATELY. 

15 U.S. Code 1681b : violation furnishing reports in connection with credit transactions not initiated by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE FROM MY REPORT IMEDIATELY. 

15 U.S. Code 1681b : violation furnishing reports in connection with credit transactions not initiated by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE FROM MY REPORT IMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a refinance with XXXX  XXXX my current lender is Ally I have been on the phone for numerous hours trying to fix this issue XXXX  XXXX declined my refinance after approving it due XXXX erroronus reporting the Auto loan was closed. I have reached out to Ally and will be also filing a report against them They report that since the reporting on the other two credit for us were correct that this issue was on XXXX this has cost me and I can provide proof well over {$3000.00} of savings and a {$40.00} a month savings on my auto loan as well as a few months of payments this has hurt my family financially and wasted a great deal of my time. These times are hard enough but when I major financial company calls me this much harm as well as Ally passing the blame on to experience I am very upset all these long hold times in XXXX reporting has impacted my family and the issue needs to be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently ordered my credit report from XXXX and noticed that there were a few inquiries that I did n't recognize or authorize : XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, these are the inquiries that are unauthorized and unrecognizable. I called and spoke to a representative and he stated that there was nothing that he could do to help me. I put an fraud alert on my credit report for XXXX and XXXX for reasons like this.
Product: Checking or savings account

I tried to open a new brokerage and checking account around XX/XX/year>, but I never received an update after XXXX business days so I submitted another application. XXXX XXXX sent me a letter saying they closed the account due to an alert from XXXX XXXX but there is still one account left open. I contact XXXX XXXX about the account, and they said it will be closed. It's been XXXX business days, and the account is still open. I want to make sure XXXX XXXX agreed to let the account remain open after closing the other account. If XXXX XXXX intend on closing the checking account, I will like for it to be closed immediately just to have the matter resolved.
Product: Credit reporting or other personal consumer reports

Ive contacted experian, transunion and Equifax about these TWO accounts for over 6 months will no help, no real responses and no accurate information. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ), and they have no be honest or helpful. This affects my life and mental health Account XXXX XXXX Account XXXX XXXX
Product: Mortgage

Between XX/XX/XXXX and XX/XX/XXXX Bank of America and their business partners, representatives and third party agents have colluded and conspired to defraud of my home and property by circumventing the rules of real estate, mortgages, loans, debt, and contracts. 

Specifically, Bank of America has intentionally withheld material information regarding the true status of my home loan mortgage account AND deliberately set out on a planned course of action to deceive, coerce, defraud, humiliate, and intimidate in their efforts to separate me from my home while pretending to engage in loss mitigation processes for years at a time and receiving monetary assistance from tax payers of the state and federal governments of the United States of America during such a scheme. 

Collusion occurs when two persons or representatives of an entity or organization make an agreement to deceive or mislead another. Such agreements are usually secretive, and involve fraud or gaining an unfair advantage over a third party, competitors, consumers or others with whom they are negotiating. 

A criminal conspiracy exists when two or more people agree to commit almost any unlawful act, then take some action toward its completion. The action taken need not itself be a crime, but it must indicate that those involved in the conspiracy knew of the plan and intended to break the law. One person may be charged with and convicted of both conspiracy and the underlying crime based on the same circumstances. 

104 ) Collusion 105 ) Conspiracy All previously mentioned resolutions are desired and mandatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my credit report and I noticed that XXXX XXXX has furnished inaccurate information inn credit report Account detail differ incompleteness for equifax.account status says derogatory but payment status says charge offdate opened differs. Balance is reported XXXX but reports say charge off. High credit all bureaus differ.credit limit differ. Past due is a balance is XXXX. It shouldnt have a balance if its a charge off. Last reported dates differ. Comments all differ. Date last active all differ. Last payment differ. 
Payment History has incompleteness XXXX XXXX had furnished inaccurate information this information has not been validated after requesting
Product: Mortgage

In XXXX of XXXX, I contracted with a company to build a house. The builders required that their preferred lender, OVM Financial, is used for the loan. I sent XXXX XXXX at OVM Financial my tax returns for the last two years to get pre-approved for the loan. At some point, OVM sent all of my income information to the real estate agent for the builders, XXXX XXXX with XXXX XXXX XXXX. This was done without my consent or without even asking. XXXX XXXX then forwarded this information, details of how much money I made in the last two years, to the builders of the house. I need to file a complaint due to my personal financial information being passed around without my consent. The email and the attachment with my personal financial information that was sent from OVM Financial to XXXX XXXX are attached below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a previous dispute about a name XXXX XXXX that has been removed from my credit file. But the Acct # XXXX from the ILLINOIS DCFS under the name XXXX XXXX and my Credit file name is XXXX XXXX I never used or every went by the name XXXX XXXX.
Product: Credit reporting

Filed Chapter XXXX XXXX/XXXX/2005, would like it removed from credit file. It 's been well over seven years, almost ten.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Synchrony Bank, during the month of XXXX 2015 closed my Walmart Credit Card Account XXXX. Synchrony Bank failed to properly provide reasons of why my account was closed ; for this is a violation of the Equal Credit Opportunities Act. For only XXXX reason was given by Synchrony Bank in which it stated the Walmart Credit Card account has been closed due to returned payments. The referenced returned payments were additional payments on the account ; any and all payment that was due for the regular monthly payment were never returned nor has any account been late. 

According to the Equal Credit Opportunities Act Synchrony Bank 's reason was not specific to the account it closed and the reason was only XXXX which did not apply to the referenced account. Due to Synchrony Bank 's discriminatory acts which Synchrony Bank disproportionately utilizes against its minority consumers in violation of the Equal Credit Opportunities Act this has caused me damages.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I notified Experian about inaccuracies I discovered in my credit report, which are negatively affecting my creditworthiness and over all Finacial standing. These inaccuracies include violation of 15 U.S code 1681b ( a ) ( 2 ) which I requested that their agency cease furnishing information to any third parties without my written consent, as explicitly required by 15 U.S code 1681b ( a ) ( 2 ). Despite my repeated attempts to engage with experian and provide the necessary documentation to validate the discrepancies, I have yet to witness any substantial effort on their part to address these issues. This inaction has not only caused undue stress and frustration, but it has also directly impacted my ability to secure favorable terms, including loans, credit cards, and other essential financial services. Its under my understanding that as per The Fair Credit reporting act and other relevant consumer protection laws, credif reporting agencies are obligated to ensure accuracy and integrity of the information contained within credif reports. I believe that experian disregard for my repeated attempts to rectify inaccuracies within my credit report constitutes a breach of these legal obligations
Product: Debt collection

XXXX XXXX XXXX XXXX # XXXX XXXX, Ca, XXXX XXXX XXXX XX/XX/year> AWA Wallach & Associates, Inc XXXX XXXX XXXX XXXX XXXX, Ca, XXXX Re : Dispute of Debt and Revocation of Communication Consent To Whom It May Concern, I am writing to formally dispute the validity of the debt that your organization claims I owe, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. Please consider this letter a request for verification and validation of the alleged debt and a revocation of consent for communication as outlined below. 

Dispute and Validation Request : Under the provisions of the FDCPA and 12 CFR 1006.34, I am requesting the following : Validation of Debt : Detailed information on the debt as required by 12 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 1006.34 ( c ) ( 4 ) ( i ), including the amount of the debt, the name of the creditor to whom the debt is owed, and an itemized statement of the account. 
A copy of the purchase agreement between your organization and the original creditor as evidence of your right to collect this debt. 
Proof of Licensing and Bonding : Verification that XXXX XXXX XXXX is licensed and bonded to collect debts in my state as required by law. Please provide documentation that demonstrates your compliance with these legal requirements. 
Revocation of Communication Consent : Under 12 CFR 1006.34 ( d ) and 15 USC 1681-52 ( 7 ) ( A ), I hereby revoke any consent I may have previously given for your organization to communicate with me through the following means : Email Text messages Phone calls All future communications regarding this matter should be conducted through written correspondence sent to my mailing address listed above. Failure to comply with this request may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory bodies. 

Conclusion : Please note that this letter serves as a formal dispute and request for validation of the debt you claim I owe. Until you provide the requested documentation and evidence, you should consider the debt to be in dispute and cease all collection activities. 

Thank you for your prompt attention to this matter. I expect a response within 30 days from the date of this letter. If you fail to respond within this period, I will consider the debt claim to be invalid. 

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

I submitted a dispute to Equifax back in XXXXXXXX XXXX XXXXXXXX  about two fraudulent accounts on my consumer report, XXXX XXXX XXXX XXXX one in the amount of {$5800.00} and the other amount for {$2500.00}. I submitted over my identity theft affidavit, my police report, and a statement stating the account was fraud and to block this information from my consumer report. Equifax sent a letter statement they were not going to block the account but they were going to investigate the account. On XX/XX/XXXXXXXX  Equifax completed the investigation and update my consumer report saying the account balance decreased by {$420.00} and the other by {$77.00}. The account was also reporting charge off but now the account is reporting as unknown payment history from XX/XX/XXXXXXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am trying to see how did Equifax investigate a fraudulent account and furthermore how did a account go from charge off to unknown payment history and the account is back open. That is not accurate information that Equifax is reporting on my consumer report. Remove and block this account immediately from my consumer report. If the block is rejected, please send in writing why this block was rejected and what claims does Equifax have to support the rejection of this block. I will attach screenshots below of the status and history of this account. 

Accounts : XXXX XXXX XXXX ; Amount : {$2400.00} Accounts : XXXX XXXX XXXX : Amount : {$5400.00}
Product: Debt collection

On XX/XX/XXXX2015 I filed a complaint with CFPB letting you know this company has incorrect information on me. I have no idea what they are talking about. However, I am exhausted from these people threatening me with being served if I don't respond. In the 2015 complaint, it stated the complaint is not to contact me. They have AGAIN. I had to explain the same thing over. I DO NOT owe any payday loans or any banks. This is harrassment at it's best.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed late payments on my credit report that was placed by XXXX  XXXX auto, they had 30 day leads that were in accurate. They illegally changed information so that they would not have to do what was right. I then did a CFPB complaint which The three credit bureaus ignored and continue to let this negative information harm me. They are violating my rights I demand to be compensated {$1000.00} per violation from XXXX Equifax XXXX and XXXX  XXXX auto
Product: Credit card or prepaid card

My credit card was stolen out of my planer and I did not realize until I received my statement. I reached out to Citibank to dispute fraud charges on my account. XXXX issued credit for all charges then a month later did a charge back and closed my account. They will not talk to me via phone to resolve and said i must write into them. I want all fraud charges credited back to my account and account to remain closed.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention some inaccuracy that I have discovered while reviewing my credit report. Upon careful examination, I have identified the following inaccurate collection item ( s ) and inquiries : Inaccurate Collection Item ( s ) : - XXXX XXXX XXXX Inquiries : - XXXX XXXX XXXX I kindly request that you initiate an investigation to verify the accuracy of this information and provide me with copies of any documentation associated with your investigation. Should you fail to provide such verification, I request that the aforementioned information be promptly removed from the credit file associated with my Social Security Number. 

Furthermore, I would like to request the removal of all non-account holding inquiries that are over 30 days old. Additionally, I kindly ask that a promotional suppression be added to my credit file. 

I trust that you will take the necessary steps to address these discrepancies and provide me with a revised credit report reflecting the accurate information. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken the appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach- Bliley Act ( GLBA ) to opt out of such information sharing and I believe my privacy rights have been violated. 

On XX/XX/2024 I notified XXXX XXXX XXXX that I am opting out of any and all authorizations, written, non-written verbal or non-verbal for the sharing of my nonpublic personal information with non-affiliated 3rd parties, including consumer reporting agencies for any purpose other than those necessary to provide me with financial products of services.

I provided this opt out notice in accordance with the legal requirements outlined in 15 USC 6802, and I have retained documentation of my communication with XXXX XXXX XXXX. 

Despite my efforts to request an opt out and me asserting my rights under GLBA, I have reason to believe that XXXX XXXX XXXX has continued to furnish my non public personal information to non-affiliated XXXX parties and consumer reporting agencies without my consent. 

The unaurthoirized use of my personal information constitutes a violation of my privacy rights and breach of federal law. I am concerned about the potential consequences of this unathorized sharing, including the potential for identity theft, fraud, and other financial harm. 

I would appreciate it if the CFPB can investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX XXXX complies with all federal regulations and laws, including the GLBA to protect privacy and security of consumers like myself. 

I would also appreciate updates on the progress of this investigation and actions taken to address the violations committed by XXXX XXXX XXXX. 

Please feel free to contact me at XXXX or email me at XXXX if you require any further information or documents to proceed with the investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX Dear sir, I have received a letter from Chase Bank, which copy I enclose with this letter regarding my inquiry on the previously mailed documents of bank transaction record. Chase Bank kindly sent the letter to XXXX XXXX, who is the joint account holder, and somehow, Chase mentioned me as his wife, not a joint account holder, legally. As you can see, Chase mentioned that the second checks were meant to the cleaning bank which the checks were processed. I do not recollect clearly where our joint account checks clearing banks, but at least, most of my bank checks, which meant the checks of XXXX  XXXX XXXX, should be based in XXXX XXXX  ; since most of the companies I had dealt were based in XXXX XXXX. Maybe, you might ask me later to ask the banks about these companies and I can check by myself since I remember which checks are meant to which companies. If possible and necessary, I would like you to provide the addresses of each branch in XXXX, XXXX  and other states written in the record. 

Also, I received the calls from your company several times on Thursday, Friday, and Tuesday. On Thursday, XXXX XXXX, Friday, XXXX XXXX XXXX, and Monday, again XXXX XXXX called me. I could not understand what they were talking, at least, I know they were trying to mention something about XXXX  XXXX XXXX account and my ID ; especially XXXX XXXX XXXX talked for 3 minutes in my voicemail. I prefer succinct and clear explanation what your company wants since it is not easy to figure out what they want to tell me even if I tried to read the transcripts of voicemail. I prefer the written formats. And I suggest appointing only one person for a possible customer. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX  Account XXXX XXXX # XXXX, Account XXXX XXXX # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX-XXXXXXXXXXXXXXXX XXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX HAS VIOLATED MY RIGHTS. 

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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Checking or savings account

My checking account with Bank of America had fraud in the amount of XXXX, they refused to investigate and remove the charges therefore, putting my account into a negative balance and closing my account. I have contacted the bank on many occasions, with agents refusing to help me. This has been damaging to me personally and financially. All I ask is that they remove the fraud charges on the account, they refused resulting in the closure of my account and damage to my credit report. Please I need help, and do not know where to turn for resolution.