23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I currently have a loan with Navient. They bought my loan from   XXXX   XXXX   and never gave me a payment option to repay the loan other than an interest only loan that I have been paying for several years. I have had this loan for 17 years and still owe more than the original loan amount. They just recently let me know ( after I pressured them for more detailed information ) that I could have been paying a little over {$100.00} per month more and I would have been in a program that was paying down interest. I feel that this company did not review all their loan programs with me, to keep me in their interest only loan to increase profit on my loan.
Please review phone call that I had with representatives as they have stated they are recorded.
Product: Credit reporting or other personal consumer reports

To Whom it May Concern I told Equifax this inquiry XXXX XXXX XXXX XXXX dated on XX/XX/XXXX were fraudulent and to continue to report is a violation on consumer report. 
I sent them a FTC Fraud Report but they ignored consumer. Equifax refused to remove inaccurate and fraudulent information from consumer report. They continue to violate a Federally Protected Consumer. They violated the Privacy Act of 1974. A written permissible purposes was never given to this company on XX/XX/XXXX which is a another Federally Protected Consumer Rights violations. They failed to conduct a investigation on consumer report which is Federally Protected Consumer Rights violations. They failed to delete inaccurate and fraudulent inquiry which is another Federally Protected Consumer Rights violations. 
I was a victim of the Equifax Data Breach. I use all remedy such as Civil liability willful non-compliance 615 and civil liability negligent non-compliance 616. CFPB when are you going to hold them accountable for continuing to break the Federal Law. Equifax do not comply with the Consumer Fair Protection Act, instead Equifax continued to blaluant violate the consumer. 
Equifax commission file number XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, New York XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX NY XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX will be filing form 211 treasury omb form to audit consumer account. Equifax is securitizing consumer data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXXXXXX  Status Paid, Closed. 
Status updated XX/XX/XXXX Went to branch locations and was told account would be closed and not reporting late and the account has late reporting.
Product: Credit reporting or other personal consumer reports

Some one used my credit information and applied at companies which resulted with multiple inquires on my credit report that shouldn't be there. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I received a letter from Citi bank  on XX/XX/XXXX stating my late mother was owed {$450.00} and that i needed to send documents to retrieve these funds before it was forwarded to unclaimed funds in XXXX. I faxed them her death certificate along with other documents to prove who i was and a form that came with the letter. On XX/XX/XXXX i received another form to fill out and a request for her death certificate and copy of the first letter. I faxed those today along with original packet of documents sent XX/XX/XXXX and fax confirmation. I also mailed the same faxed documents certified mail today as well. This is absolutely rediculas that it takes them XXXX weeks to reply and instead of a check i received another request for the exact documents they requested the first time. citi bank abandoned funds dept XXXX Ref ID # XXXX. Her name was XXXX XXXX DOB XX/XX/XXXX
Product: Credit card or prepaid card

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX XXXX XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Product: Credit reporting or other personal consumer reports

Under 605B, this account should be removed ASAP. It's bothering me because it's on my credit report, even though it doesn't belong to me. I really hope the company acts fast to get rid of it.
Product: Credit reporting or other personal consumer reports

Please download my letter, it shows screenshots of all recent inaccuracies please correct the matters with the credit reporting agencies immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some of the credit inquires on my report were not authorized. I have been in contact with the companies and credit reporting agencies regarding this matter. Credit reporting agencies told me to contact companies and the companies told me to contact credit reporting agencies.
Product: Student loan

XXXX XXXX  defaults and was sued I never received my settlement and I was almost XXXX  by XXXX and XXXX in the XXXX XXXX when they left the power on to the electrical panel.
Product: Credit reporting or other personal consumer reports

I am writing to officially dispute information within my consumer report, as provided by your agency. Upon reviewing a copy of my consumer report, I discovered that non-public information about me has been disclosed to a non-affiliated third party without my written consent, potentially violating the provisions outlined in 15 USC 6802.

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to be informed about and control the disclosure of my personal information. The non-affiliated third-party disclosure in question raises concerns about my privacy rights, as I was not provided with an opportunity to opt-out, as required by law.

Upon reviewing the report, I noted that certain accounts are being reported without my explicit written consent. I want to clarify that my dispute lies not with the creditor but with your reporting agency for disclosing and reporting information without proper authorization.

Referring to 15 USC 1681b - Permissible Purpose, which mandates consumer written consent for the reporting of personal information, I have not provided such written consent. I kindly request that you provide evidence of my consent to ensure compliance with this legal requirement. Failure to furnish proof of my consent may be interpreted as a violation of my rights under the FCRA.

I have also filed a report with the Federal Trade Commission ( FTC ), and the reference number for my complaint is XXXX I believe that the unauthorized disclosure and reporting of my personal information may potentially constitute a violation under 18 USC 1028a, resembling a form of identity theft.

In accordance with 15 USC 1681c-2, I am formally requesting the removal of the following accounts from my consumer report within four business days from the date of this letter : XXXX  XXXX XXXX XXXX Account Numbers : XXXX XXXX XXXX Account Numbers : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Numbers : XXXX I assert my right to a fair and accurate credit reporting process, and I believe the prompt removal of these accounts is crucial to rectifying the reported inaccuracies. 

Furthermore, I request documentation regarding your method of verification for the disputed accounts and records proving that I was provided with the option to opt out of the information being reported in my consumer report. This request is essential to ensure your reporting agency adheres to the necessary standards for accuracy and fairness in credit reporting. 

I anticipate your prompt attention to this matter and the resolution of my dispute within the specified time frame of four business days. Failure to comply with the provisions of the FCRA may result in further legal action. 

Thank you for your immediate attention to this matter.
Product: Credit card

Macys credit card system application takes them a whole day to fix a problem, they do not give the right information to customers to the point that you dont know what to believe anymore. It is frustrating to wait and wait to get answers that only leaves you with more questions and upset. Im really disappointed at the customer service im receiving every time i call i feel like im making an out of distance call. I cant deal with the wait and non solution situation anymore.
Product: Credit reporting or other personal consumer reports

There are XXXX hard inquiries on my Credit report and I do not recognize any of them or did not give consent
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX {$400.00} XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX {$270.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3200.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$45000.00} XX/XX/XXXX SXXXX XXXX XXXX  XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX {$440.00} XX/XX/XXXX XXXX  XXXX {$5100.00} XX/XX/XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : IT also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

My name is XXXX XXXX I am contacting y'all to see if both of my account are closed out or not for saving and checking account for Everyday Checking Account number : XXXX Do not show Everyday Checking account number XXXX Account number : XXXX Do not show XXXX account number Routing number : XXXX if not please close them both out for me and send proof when both accounts are close out for saving and checking account and look at the attachment below and my ssn is XXXX etc. 
contact email is XXXX and phone number is XXXX
Product: Money transfer, virtual currency, or money service

I've used PayPal for many years. Mostly to pay for goods over the internet, but occasionally to receive or send money to a relative ( especially at XXXX, when we sometimes purchase gifts jointly ). On XX/XX/XXXX my sister reimbursed me for a travel expense via PayPal. I had placed " hold payment '' on a rental car for her when she visited for the holidays. It cost {$550.00}. This time when she tried to reimburse me, PayPal charged me a transaction fee and placed a hold for a period of time on any balance above {$300.00}. They say I have a " business '' account. I explained I am not a business and never have been. So they have now " downgraded '' me to a personal account. But in order to get the funds released immediately for this transaction, they need my sister to input that she has " received '' the goods and services she has purchased. And they say they must still charge me the transaction fee. In the past I have received money from my sister via PayPal. I received {$100.00} from her on XX/XX/XXXX. I was not charged a transaction fee at that time. I went back through my account history and confirmed this. It's not cool that they can now call you a business and charge a transaction fee, even after you correct them. They say there is is a Friends and Family option for sending money. It is difficult to figure out how to use it. I know, because I tried.
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. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 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: Mortgage

To Whom it May Concern : In XX/XX/XXXX I requested a home modification with Citimortgage and was granted a modification in the amount {$1200.00}. In XX/XX/XXXX my husband and I filed for bankruptcy and although I was able to make the modified mortgage payment I knew that in XX/XX/XXXX the full rate and term would apply so I again applied for a modification to ensure that I would be on a better path financially and able to keep my home. In XX/XX/XXXX, I was granted a rate and term modification. The rate I believe was 3.5 % and the term granted was a 40yr loan in the amount of {$1800.00}. I began making the three-month trial payments and I signed off on my loan modification documents that were sent to my attorney. I was advised that the modification had to be approved by the bankruptcy court but to continue to make payments. Since XX/XX/XXXX I have been paying the amount agreed upon with Citimortgage. In XX/XX/XXXX, I discovered that the modification had not been approved by Citimortgage in the time requested and that I was now in default. <P/>I was advised by Citi to reapply for a loan modification using the Making Home Affordable application which I did on XX/XX/XXXX. Since that time I have resubmitted the application countless times along with over 85 email submissions with documentation including income, bank statements, explanations of deposits, explanations of income, explanations of condo fees, proof of insurance, tax documents, etc ... Every single time I submitted a document Citi mortgage would request something new. Additionally, Citi Mortgage has provided me with over 10 different Single Point of Contact/Homeowner Specialist. <P/>Today, I spoke to XXXX XXXX, Single Point of Contact for Citimortgage. He informed me that my application for modification had been denied. He stated that the Underwriter was not able to approve me Making Home Affordable application because the program ended in XX/XX/XXXX. I asked him how could that be possible since I have been in this process since XX/XX/XXXX. As recent as XX/XX/XXXX and XX/XX/XXXX I received letters from Citi Mortgage with the Making Homes Affordable application attached. If the program ended in XX/XX/XXXX why would they continue to send me applications after the program deadline? XXXX also stated that the underwriter tried to place my modification through another program and found that I was ineligible for it. <P/>Citi Mortgage gave me the run around for almost two years and it was n't until I threatened to file a claim with CFPB that they moved forward and denied me. It is my feeling that they did this knowing that I would have no recourse and they could step in and foreclose on my home. They are offering me no remedy after asking me to submit hundreds of documents.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX, Transunion and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have asked XXXX, XXXX and Transunion to reinvestigate these accounts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX for incorrect information reporting on my credit. I have also requested for XXXX, XXXX and Transunion to remove XXXX XXXX from my account due to inaccurate information. However, they have stated everything was completed and accurate. But how is this possible if these account still remain on my credit report. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that are not reporting accurate information. 

15U.S.C 1681 section 602A. States I have the right to privacy. 

15U.S.C 1681 section 602A section 2 : States consumer reporting agency can not furnish an account without my written consent. 

15U.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. 

15U.S.C 1681c ( 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. 

Transunion and XXXX both failed to send me an update on the dispute I submitted. I called both Transunion and XXXX and they have both declined to send me a letter providing me an update of the dispute. When I asked them what information did they request from the creditors I am disputing on my credit, Transunion response was we just go base on what the creditors send us and when I asked what the creditors sent them to confirm that account was opened by me they simply say they provide basic information. When I called XXXX they provided general information on what they do on a dispute which was not helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 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: Money transfer, virtual currency, or money service

Zelle funds was held up for 7 days on my account. Went to Bank and was told 3 days but it was 7 days
Product: Mortgage

Mortgage Escrow account we asked  Chase to remove home owners insurance. Chase did a mortgage escrow account review and noted a shortage. 
Chase printed the statement on XX/XX/2015 I received the notice on XX/XX/XXXX (Saturday), that my total monthly mortgage and escrow payment will change on XX/XX/XXXX Chase gave me the option of paying the shortage, or changing my monthly payment, or paying a portion.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX Balance Owed : {$110.00} XXXX  XXXX Balance Owed : {$320.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit card or prepaid card

I applied for and was approved for a 0 % balance transfer APR & 0 % on purchases. I almost always paid more than I spent in a month, but when my purchase APR promo was up, they insisted I still had a purchase balance, which they applied interest to. I asked repeatedly for a breakdown of how my payments were applied and have repeatedly been told the payments are applied to the minimum payment due, then the balance with the highest APR. If that were the case, I should have had a XXXX purchase balance.
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete this fraudulent item in my file that are reporting on 3 Credit Bureaus. I am a victim of identity theft and did not make the charge or the account. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXXXXXX showing on my credit report. I therefore request that you immediately remove this item from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Credit reporting or other personal consumer reports

I had previously filed a complaint with CFPB in regards to Exeter finance. Exeter. Responded to CFPB that they would remove a late payment reported to the credit bureaus.. I have had to file another dispute because my credit report was updated, however, Exeter responded to the dispute again on XX/XX/XXXX XXXX while they did report the account as being paid off, they did not remove the XXXX late payment as agreed and in writing.
Product: Credit card or prepaid card

Today I received an e-receipt from Nordstrom 's in XXXX, CA via my email. I will attach it. I was not shopping anywhere today and have been home in XXXX, CA. I called their store a few hours ago and they only made an incident report. XXXX. It should be reported to the fraud dept. It appears the card used is similar to mine. My ends in XXXX, and the e-receipts shows card ending in XXXX I. This seems suspicious and appears to be fraud.