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

According to Section 602 of the Fair Credit Reporting Act ( 15 USC 1681 ), it is stated that " There is a need to ensure that consumer reporting agencies fulfill their significant responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' As a consumer, I have the right to safeguard my private information, supported by 15 USC 6801, which asserts that " It is the policy of Congress that each financial institution has an ongoing obligation to respect the privacy of its customers and to protect the security and confidentiality of their nonpublic personal information. '' A " furnisher of information to credit agencies '' is classified as a financial institution under that title.

Furthermore, Section 604 ( a ) ( 2 ) of 15 USC 1681 states that " In general, subject to subsection ( c ), any consumer reporting agency may provide a consumer report under the following circumstances and no others : in accordance with the written instructions of the consumer to whom it pertains. '' XXXX and Experian, as consumer reporting agencies, do not have my permission to disclose my information, and they certainly do not possess any written consent from me. Any and all forms of consent granted to XXXX, Experian, or any furnisher of information to credit agencieswhether verbal, non-verbal, written, implied, or otherwiseare hereby revoked. 

Moreover, 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is provided with an explanation of how they can exercise their nondisclosure option. '' The furnisher of information to credit agencies has not informed me of my right to opt out of such disclosures. Additionally, 15 USC 1681c ( a ) ( 5 ) specifies that, " Except as authorized under subsection ( b ), no consumer reporting agency may produce a consumer report containing any of the following items of information : any other adverse item of information, apart from records of criminal convictions that predate the report by more than seven years. '' The account in question is an adverse item that is being reported without my authorization, which is against the law.

According to 15 U.S. Code 1681s-2 ( A ) ( 1 ), " A person shall not furnish any information regarding a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. '' Furthermore, 15 U.S. Code 1681e mandates that " Every consumer reporting agency must maintain reasonable procedures designed to prevent violations of section 1681c and to limit the furnishing of consumer reports to the purposes outlined in section 1681b. '' It is evident that Equifax and Experian are failing to maintain such reasonable procedures. Finally, 12 CFR 1016.7 states, " A consumer may exercise the right to opt out at any time. '' I am hereby opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

My repeated efforts to rectify the fraudulent, erroneous, and misleading entries on my consumer report have been unsuccessful. These false records have severely disrupted my life, resulting in considerable XXXX XXXX XXXX. As a victim of identity theft, I must emphasize that I never sanctioned or agreed to have this information linked to my identity.
Product: Checking or savings account

I opened a KeyBank checking account. I had no issues until a check deposit. I was even offered a credit card. I deposited a check on XX/XX/year>. I received an email and a letter that stated that they were holding my funds until XX/XX/year>. On XX/XX/year> my bank account was frozen and locked. I have tried numerous times to get a resolution from KeyBank. They sent me to their " highest '' office which is the executive office. I told them that it was imperative for me to have my funds to pay not only my mortgage but contractors who were doing work on my house and they are here now and I have no funds to give because of KeyBank. I have been told to go to the actual branch which I have gone to, on XXXX XXXX as instructed. I was told that I would be able to get my funds out of the account on XX/XX/year>. I went and they gave me {$500.00} worth of the deposited check but would not give me the full amount. I have wasted gas and work time trying to get this resolved. I asked them to give me the rest of my funds and close the account as this made no sense. The reason the check hold was is because it stated they did not think the check would be paid however it's just sitting in the account, PAID, made available to KeyBank to most likely invest but not made available to me to pay necessary bills and the contractors. I've been given no dates of resolution because no one knows. I was told I'd get an update every 2 to 3 weeks. That's absurd. I was told oh you should get a call back in 2 to 3 business days. I've been given the run around. I am TIRED. The last thing I was told was to go back to the branch and sign a sworn statement that I'm the one that deposited the check in which I did on XX/XX/year>. I tried calling the executive office back right after so that I can get the funds released to me and I have not received a call back. I called this morning XX/XX/year> at XXXX and was told again that whom I'm working with is not available and they'll give me a call within 2 business days. I asked if there was someone else I can speak with and they told me no. I'm beyond done with this bank and want my funds immediately. I have contractors to pay today actually. The rep that I am working with in the executive office is XXXX. Phone number XXXX. Case # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been paid for over a month. I have not received any letter showing on credit its been paid or removed from credit.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 and 60 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit card

on XX/XX/ Someone opened a XXXX Amex card without my knowledge. Application was done over the phone
Product: Credit card

I have a credit card issued by Independent Bank. I have never had a late payment with the bank. Some months ago they said that the card was under a fraud alert - I could not then access the account through the internet. And when I called the company to resolve the issue they would put me through a whole host of security questions before condescending even to tell me the current balance. They would not tell me what the fraud issue was and would not remove the fraud alert. I have called their customer service 3 times already and still I have no resolution - the fraud alert is not removed and I have not been told what was the cause. 
I have never had this issue with any other bank. Whenever there is a fraud alert or a bad charge with other banks they contact me and the issue is resolved right away with XXXX call. The customer service at Independent Bank is terrible and I would not recommend that anyone use their products or services.
Product: Credit reporting or other personal consumer reports

There is an account on my credit report called " Vermont XXXX XXXX XXXX XXXX ''. I'm now filing a complaint again because account is also over 7years old and should be deleted from my credit report. This is account is also 9years and 2months old in accordance to my XXXX credit report. My Consumer Protection rights are being violated by XXXX because it has already been over 7years since this account was generated o my credit report. This account is closed but should be deleted because the length of time and age of account is over 7years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting companies, the big three - XXXX, XXXX, and experian all charge fees for instituting, thawing, and lifting credit freezes. These companies collect this information without my consent and I am coerced in to " doing business '' with them if I want to be involved in society in any meaningful way. The fact that I have to PAY THEM MONEY to adequately protect my valuale personal information is a discrace. Since I and other consumers have no recourse to not to business with these companies ( other than exit from society all together ) free market principles will not work to solve this problem. And I am forced to pay their fees. For example, if I do n't like that Experian charges a fee for a credit freeze, I ca n't just decide to move my business to XXXX. And for those who the can not easily afford the fees ( x3 because you need to do it at three companies ), this is even more burdensome and onerous. Thus some type of protection from these abuse of the market by these companies is needed. Some states have such laws, but not my state.
In light of the egregious theft of my highly valuble personal information from XXXX, the importance of a security freeze is great. These comanies should allow me to protect my information without financial penalty.
Product: Credit reporting or other personal consumer reports

I am writing to you to address a longstanding issue regarding my Capital One credit card account. To provide context, I have been a victim of identity theft, which has caused considerable distress and financial hardship. 

I discovered unauthorized activity on my Capital One credit card account. Upon further investigation, it became evident that I had fallen victim to identity theft, with the perpetrator racking up a substantial balance on the card. Unfortunately, by the time I became aware of the situation, the account had already been delinquent and eventually charged off. 

In response to this egregious breach, I took immediate action to rectify the situation. I froze my credit reports with all major bureaus, filed a comprehensive identity theft report, and invested in credit monitoring services, among other precautionary measures. Despite my efforts, the delinquency status of the account continued to plague my credit report, causing significant distress and hindering my financial prospects. 

Recognizing the urgency of the matter, I endeavored to dispute the erroneous charges and clear my name of any wrongdoing. Regrettably, my attempts were met with frustration and roadblocks at every turn. Despite successfully having the account removed from my credit report initially, it was later reinserted without just cause. 

In pursuit of a resolution, I engaged in extensive correspondence with both Capital One and the credit bureaus. Capital One conducted an investigation into the matter and ultimately ruled in my favor, issuing a reimbursement check and providing assurances that the erroneous entry would be expunged from my credit report. However, despite their acknowledgment of the error, the account remains stubbornly entrenched on my report. 
Conversely, when I liaise with the credit bureaus, I am met with a similar impasse. They insist that the responsibility lies with Capital One for failing to report accurate information, absolving themselves of any culpability in the matter. 

This cyclical exchange of blame has left me in a state of exasperation and financial uncertainty. I implore your intervention in resolving this protracted dispute, as it is adversely impacting my creditworthiness and overall financial well-being. 
Enclosed, please find documentation detailing the timeline of events, including dates, amounts, and actions taken by both myself and Capital One. I trust that with your assistance, we can bring about a swift and equitable resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 a account without my written instructions. 

15 USC 1666B : A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

My identity was stolen and used in the state of Texas to open utility accounts with XXXX XXXX. The accounts apparently have been sold to a collections agency by the name LVNV Funding LLC who have placed the collections accounts on my credit reports causing significant damage to my credit. 
I contacted the original creditor and they were able to investigate the accounts and determine they are not mine. However, XXXX XXXX still has the accounts on my credit reports. I have documentation confirming the accounts are not mine and I would like them removed from my credit reports IMMEDIATELY as this is preventing me from obtaining credit. 
I have filed a police report along with an identity theft report that I have sent to them and the accounts have yet to be removed. 
I have never lived or even visited the state of Texas.
Product: Credit reporting or other personal consumer reports

I needed everything removed from my credit reports.i was a victim of XXXX XXXX  for XXXX years.All this stuff on my reports is not me or to be true.I need my reports cleared of this
Product: Student loan

My original student loan debt is owed to the XXXX XXXX XXXX XXXX, and I contacted them years ago disputing the balance of my student loan, which at that time was {$7100.00}. Unfortunately, my student loan account was never reconciled by XXXX ; however, my account has been transferred to numerous ( XXXX or XXXX XXXX collection agencies over the years, and each agency has added on unethical collection fees and interest. The present owner of my student loan is XXXX XXXX XXXX XXXX, and total principal and interest was noted as {$16000.00} in XX/XX/XXXX. I have spoken with several representatives of XXXX in attempts to rectify my account, but I was informed that collections are handled by GC Services Limited Partnership, XXXX XXXX, XXXX, TX XXXX. In XXXX, I paid {$2500.00} in student loan interest ; in XXXX, I paid {$5700.00} in student loan interest to XXXX. 

I submitted a settlement offer XXXX XXXX XXXX to GC Services, but I have not heard from them, and I have not received any written communication from XXXX or GC Services since XXXX ( the midst of the coronavirus epidemic ). Is it possible that the recent natural disaster in Texas which left millions without power and clean water has affected standard ethical business procedures for many corporations doing business in Texas right now? 

Yesterday, XX/XX/XXXX, my employer informed me that garnishments are to resume in 3 days for approximately {$700.00} per month. As most people, I have experienced financial issues during this world-wide epidemic and it would cause me great hardship during this time to pay {$700.00} each month. I was under the understanding that student loan collections are still on hold due to the XXXX pandemic and I'm requesting a moratorium on my student loan, as directed by President XXXX in XXXX orders and/or other legislative agreements made during this pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took time out to write a letter to XXXX, XXXX, and Equifax on XX/XX/2022 ; stating that the collection accounts listed on my credit report were false. They did not provide me with proof of the original contract I personally signed validating this debt. 

According to 15 U.S. Code 1692g : ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. XXXX activities and communications that do not otherwise violate this subchapter XXXX continue during the XXXX period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the XXXX period XXXX not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Product: Checking or savings account

I 'm only aware that my TCF Bank account is " Closed '' because I stumbled across it online and pursued further explanation. <P/>I spoke to customer service and confirmed my savings balance. I was also told that my account was " Closed '' at this time because without a transaction in 12 months, an account with TCF is " dormant ''  and a transaction can not be completed online. Further, I was told that an account is deemed un-owned and the funds seized to the state at 24 months without a transaction. <P/>This account was sold to me as ideal for my goal : saving for emergencies, along with earning monthly interest. Thus, the goal = no transactions. <P/>So in addition to this not being disclosed upon opening the account nor outlined in policies, I have received not one notification about my account 's " Closed '' status - and the potential risk. I receive monthly hard-copy statements at my home address.
Product: Debt collection

I am consumer XXXX XXXX and I'm continuously being harassed by PENNYMAC LOAN SERVICES LLC. PENNYMAC LOAN SERVICES LLC, is a debt collector and must abide by the Fair Debt Collection Practices Act. PENNYMAC LOAN SERVICES , LLC has contacted me about alleged debt without my consent. During initial communication in XX/XX/2016 they did not send a statement that I had a right to dispute alleged debt. PENNYMAC LOAN SERVICES , LLC claims to have interest in consumer 's property and did not give any consideration or value. I do not have a contract with them and pursuant to the FDCPA PENNYMAC is not a creditor they were transferred an assignment. This was done without my consent and PENNYMAC created an account on behalf of the consumer in which is not my account. PENNYMAC has compiled false and deceptive forms to attempt to collect alleged debt. They are threatening to seize my property once again without any lawful right. I have a federal court case that has been filed against PENNYMAC FOR THEIR VIOLATIONS. This alleged debt was not and can not be verified by this third party debt collector. PENNYMAC IS IN VIOLATION OF ANTITRUST LAWS AS WELL BY ATTEMPTING TO PRESENT A LOAN ASSIGNMENT THAT THEY CLAIM TO BE TRUE. ALL DECEPTIVE AND COMPILED AND IN VIOLATION OF 15 USC 1. This is identity theft, they have my nonpublic information without my consent. THIS IS AN ALLEGED DEBT THAT IS DISPUTED SEVERAL TIMES. I AM NOT OBLIGATED TO PAY ALLEGED DEBT PURSUANT TO THE FDCPA AND PENNYMAC LOAN SERVICES LLC MUST ABIDE BY THE FDCPA.
Product: Mortgage

Over a couple of months ago we started the process to try to short sale my home. The company then took a very long time to do anything, including requesting an appraisal of the home, which took weeks to even be done. Then more time before they aknowledge receipt of it and now there's no time to stop the foreclosure.
Product: Credit card

This morning I received an e-mail from PayPal Credit regarding my " account ''. As I have NEVER opened an account with PayPal Credit, nor have I ever applied for a PayPal Credit account, I thought the e-mail was a fraud. I logged into my PayPal Account, which has been active for several years, and discovered I had a PayPal Credit account with charges and a credit line of {$2500.00}. I saw charges on the account that I had recently made, but I had no idea how they ended up in PayPal Credit. I called PayPal and was told that I had clicked on " PayPal Credit '' when I made my purchase. I told them that I had never applied for credit, and that these charges were to online businesses that I had used regularly over the years and that my PayPal account was set up through my debit card and linked to my checking account so that charges would come directly out of my credit account. The employees ( I spoke with XXXX of the customer no-service reps ) insisted that I had clicked on PayPal Credit at the time of my purchase. If that 's true -- and I maintain that it is not -- and since I 've never applied for credit with PayPal -- then how was I able to run a charge through a credit account??? This must be some kind of scam that PayPal is running to trick people into using PayPal credit. ( 1 ) No one should be able to click on credit and receive credit unless they have applied for credit with PayPal -- that 's a no brainer!!! ( 2 ) PayPal will not remove the account from the credit agencies -- they require me to fill out a form because they insist that I clicked on " pay with PayPal credit ''. I 'm working hard to clean up my credit to apply for a new loan, and this PayPal account is going to set me back 30 days until that balance clears off the credit report. This infuriates me!!! 
PayPal should not be permitted to sign its customers up automatically for PayPal Credit unless they have specifically asked for credit and filled out a credit application. In my entire adult life ( I will be XXXX this year ), I have never been given any kind of credit unless I asked for it and filled out a credit application. How can PayPal be allowed to get away with this scam? I 've been using PayPal for years. If they 've done something to their check out process to make PayPal Credit the default, then this should not be allowed. PayPal Credit should be a prompt and a confirmation that PayPal Credit was the choice the consumer wanted. I believe this who PayPal Credit is a big scam. 
I have closed my account with PayPal and will be changing my debit card number just to avoid any future scams from PayPal.
Product: Mortgage

I paid off the balance of the mortgage on XX/XX/XXXX. The company charged me a fee to reassign the mortgage to my new lender. It has been more than 90 days and the company still hasn't removed their lien from my property. Their incompetently slow processing is now causing me personal financial difficulties. When I call the bank they say that " they are waiting on signatures '' but take no action. The company charged me a fee related to this reassignment ... I believe that entitles me to reasonable execution of responsibilities. 

Additionally, but not related to this issue, the company took one additional monthly payment from my account after the loan was closed ... it took them several phone calls and more than 60 days to return those funds to me.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX