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

According to 15 USC 680 ( 2 ) ( B ) opt out law A financial institution may not disclose nonpublic personal information to a non affiliated third party unless ( A ) suchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted which means all of the following 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 which has nothing to do with TXXXX XXXX Experian which make them non affiliated which means I as the consumer must have 3 disclosure agreements before any of my personal information could be given to any non affiliated and I must agree to it also according to 18 USC 1515 ( B ) ( 3 ) this is considered intentionally omitting information from a statement and thereby causing a portion of such statement to be misleading, or intentionally concealing a material fact, and thereby creating a false impression by such statement ; which means you saying you're not disclosing my personal information to non affiliates which that's not the case and according to The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies which means all of the following accounts that I listed above must be removed due to inaccurate reporting without my agreement.
Product: Prepaid card

I have been struggling for over a month to use their XXXX  cards, they send me a replacement but they are still not activated even though i did send ID and documents for more than XXXX times. I have contact the customer service to open a case since i couldn't ; track my problem. Case number XXXX
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed all these inquiries on my report. I did not authorize any inquiries into my credit report. 
The inaccurate information mentioned above is negatively impacting my credit score and financial standing. 
I kindly request that you investigate this matter promptly and remove the inaccurate information from my credit report. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX has tarnished incorrect information To all three credit bureaus that has ruined my credit by 55 points I was in rolled on the program for over a year and has done very well on the program. XXXX XXXX  Hardship DEPARTMENT extended my Hardship program for an additional three months only. My payment amount went from $ XXXX- {$30.00} for the for the last three months of the program. My last payment of XX/XX/XXXX was for {$35.00} and was paid before XX/XX/XXXX which is the due date. XXXX payment wasPaid on XX/XX/XXXX Ill go do on the XXXX. This does not constitute a 30 day late payment be that XX/XX/XXXX was paid on time. 

I have encountered very rude service agents That have done nothing but compound the issue and not have tried to resolve the issue. I feel as though this is discriminatory due to my age and my ethnicity. The agents need to ensure that card holders are making the correct amount payments. Agents have access to the most accurate in recent information on cardholders accounts I feel like the year into three months that I have been on this hardship program has been wasted by this incorrect reporting that this company has provided to all three credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested a security freeze more than 5 times online, through the mail and I tried calling but was not successful. I have provided multiple forms of legal identification and Sage Stream still refused to freeze my file
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX Factual Data XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX
Product: Student loan

Sallie Mae calls a minimum of XXXX times a day. Using different phone numbers leaving multiple voicemails in a day. In the span of this past week they have called a total of XXXX times. I have blocked over XXXX different numbers used to excessively call me.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card collections accounts opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX XXXX on XX/XX/XXXX under account number ( XXXX ), an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items, I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

Please see attached documents Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My daughter leased a new car with Honda Financial Service and I co-signed as it was her first new car when she graduated from college in XXXX. Her lease expired and she leased a new Honda on XX/XX/XXXX. XXXX Honda in XXXX XXXX MA never closed out the first lease until XX/XX/XXXX after I threatened to file a complaint with the Attorney General 's Office an MA. Delinquent payments reported on the lease turned in were removed. When we did the original lease I asked about the excise tax we pay in MA and was told that Honda pays that. The manager of XXXX told me the lease was closed and all set. Honda Finance told my daughter the lease was closed when in fact it wasn't. She owed a property tax which is actually the excise tax that we were told in the beginning that Honda pays. Neither my daughter or myself knew what this Property Tax was and again were told the lease was closed out. While on vacation my daughter got a notification from XXXX XXXX staying her credit score had dropped. I also got notification from my bank that my credit score had dropped over 100 points. When my daughter called after vacation she was told she owed the property tax so she paid it over the phone 2 months after the lease was closed. I talked to XXXX and XXXX at Honda Financial and they will not remove the 60 day late on the credit report that is impacting our credit. 
The credit bureau told me it stays on the report for 7 years. My daughter never missed a payment on this lease and I was not asked to co-sign the second lease because she had a perfect payment history. We need help getting the 60 day late removed. I don't think we should penalized for a mistake. So many phone calls with no help.
Product: Credit reporting or other personal consumer reports

missing information and reported 2 seperate credit collections that has been written off
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed UNAUTHORIZED INQUIRIES on my credit report. Someone else applied in my name According to the FCRA, these unverified and unauthorized inquiries must be remove.

CREDIT BUREAU : EQUIFAX CREDETOR NAME : GUARANTEE LOAN SERVICES
Product: Debt collection

On XX/XX/2018, I received a letter from a debt collector Phoenix financial claiming that a debt was owed by me to another debt collector XXXX XXXX. I responded with a cease & desist letter on XX/XX/2018 that they received on Friday XX/XX/2018. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The response I got back was a letter dated XX/XX/2018 of a debt verification notice which is not the proper procedure of a cease & desist in pursuant too the FDCPA, which is in violation of the FDCPA 15 USC 1692e ( 10 ) false and misleading representation {$1000.00}. The FDCPA is clear on a 15 USC 1692 cease & desist letter what is to be done. ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. As you will see in their response letter, Phoenix clearly did not do any of the following, they used false and misleading representations to try to collect this debt which not owed to them. I have never agreed to pay them which violates the Ohio Statutes of Frauds ORC 1335.05 which carries a heavy fine of {$10000.00} US. Furthermore, Phoenix furnished a deceptive form that is attached to this complaint, which violates 15 USC 1692j ( a ) {$1000.00}. As you will see in their response that they are not even registered to collect debts in Ohio, and by sending this communication through the mail it also has the following criminal violations : 18 USC 1960 Civil Rico {$10000.00} to each party including criminal charges ; 18 USC 241 Conspiracy against rights ; 18 USC 242 deprivation rights under color of law {$10000.00} to each party including criminal charges ; 18 USC 1341 Fraud and swindle, {$10000.00} to each party including criminal charges ; 18 USC 875 Interstate Communications with the intent to extort, {$20000.00} to each party including criminal charges. Phoenix Financial are using my Social Security Number with out my permission and that violates the SSA and the privacy act of 1974. I Have sent out a Notice & Demand to Phoenix today, XX/XX/2018, demanding the damages that owe me for this violating act which the total sum is quite extensive, and further, will file criminal complaints to the justice department for their criminal violations concerning this debt.
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX of XXXX, I was compliant paid off what was owed and have carried an XXXX since
Product: Credit reporting

Because of the retrieval constraints for my credit report, and then unauthorized " Security Freeze placed on my report by TransUnion, I am again electing to place this dispute through this channel - to eliminate the XXXX steps Trans Union, has placed in my path. 

XXXX, XXXX XXXX has been CLOSED since about XX/XX/2015. The account is not reporting as closed - rather it is simply flagged as PAID. 

Please update the DISPOSITION to Reflect its PAID and CLOSED state Please verify the Last Payment Date and the CLOSED Date Please ensure the PAY HISTORY is ACCURATE, Complete and not in conflict with the account OPEN DATE and the CLOSURE DATE OR, if it is not possible to verify - document and share the same, and please DELETE THE TRADE LINE
Product: Bank account or service

I have a joint account with my son and a sole account at SunTrust bank. My son recently moved to XXXX and started a job with a company he found on the website XXXX. It turns out the company was impersonating a real company without our knowledge. They sent him a check for {$6900.00} and told him to deposit the check, which he did. They then told him to withdraw the money the next day and deposit into a XXXX XXXX XXXX account so that the software engineer of the company could purchase the hardware and software that my son would need for his job. We became suspicious when they sent him a second check. We filed a claim with SunTrust Fraud and he also went to the XXXX police and filed a claim. This happened on XXXX/XXXX/2016. I called SunTrust Fraud 4 times and never received any information as to what was going on. They never contacted me or my son. After sometime we were told that our joint account was no longer frozen and that he could use his ATM card. On XXXX/XXXX/2016 I received my bank statement for my sole checking account and SunTrust without notifying me took {$6900.00} out of my account to cover the fraudulent check. I have repeated contacted them to ask to have my money restored. They are protecting themselves but their customers. I feel that I have been victimized and I am being penalized for a fraudulent transaction. Where are the laws that protect the innocent consumer? SunTrust and the police should be going after whoever sent my son the bad check, they are the ones responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX XXXX : {$460.00}
Product: Mortgage

Since we began receiving mortgage statements our servicer had our account listed as convention, though we in fact have an FHA loan. We have called many times in the last three years to remind them that we have an FHA loan and to be sure that they ahve been making our FHA MIP payments. 

At the end of XXXX I spoke with XXXX at ext. XXXX who stated that their system was not updating FHA MIP due dates as the payments were being made and first analysis ( XXXX/XXXX/XXXX ) reflected an escrow negative over {$900.00}. She double checked payments and dates, found the error and re-ran analysis which then reflected a surplus. I asked her to re-analyze the account because I did not want her to refund escrow money that was for MIP payments. We were assured that the FHA premiums were being paid and in XXXX XXXX we received an escrow refund check. 

When we recently received our XXXX statement for XXXX it showed no FHA premium payments. We contacted our servicer who researched the account and stated that they had made the payments to FHA for our account for the last three years. I explained that a year earlier I was assured that the payments were made and even received an escrow refund. I was told that the escrow refund would not have anything to do with our FHA MIP because the payments were being taking by the lender but that they had failed to remit those payments and that this error would not affect our escrow balance. The servicer said that we would receive a revised XXXX statement that would reflect three years of premium payments because they had not reported those payments on the prior years ' statements. Today I received XXXX substitute XXXX statements. The first showed MIP {$2500.00} and XXXX XXXX escrow balance of & XXXX. I called to find out why the amount was low and was told that they may only be able to show one years worth of premiums on the statement and that they would get back to me. I then received by email another revised XXXX showing MIP {$7300.00} and XXXX XXXX escrow balance of {$71.00}. I emailed back concerned with the fact that now, in XXXX XXXX, they have changed my 2015 year end escrow balance and now I am missing {$4700.00}. 

I had been assured on more than one occasion that our account was correct. I was told that their error would not affect our escrow account. Now I can not trust their accounting and am concerned that I have no way of ensuring proper application of our funds. FHA has confirmed that our account was not past due yet my servicer says that as of today they still had not paid all of the premiums due. I can not believe what they tell me.
Product: Credit reporting or other personal consumer reports

Despite numerous attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant XXXX  and XXXX  XXXX As a victim of identity theft, I must consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs, impacting my financial well-being substantially. For your reference, I have attached a copy of the letter I previously sent to the XXXX XXXX XXXX XXXX XXXX XXXX  outlining this issue and seeking resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> TO : ALL CREDIT REPORTING AGENCIES RE : Request for Removal of Charge-off and Collections from Credit Report Dear Whomever this may concern, I hope this letter finds you well. I am writing to bring to your attention an issue regarding my credit report, which I believe is not in compliance with the Metro 2 format.

I recently reviewed my credit report and noticed that a debt that has been discharged and for which a 1099-c has been filed with the IRS is still being reported as a charge-off and/or in collections. This debt, in fact, should not be reported in such a manner, as it has been legally discharged and no longer exists. It is my understanding that this incorrect reporting is not in line with the Metro 2 compliance guidelines. 

The account in question is XXXX XXXX XXXX XXXX XXXX. The discharge of this debt was officially granted on XX/XX/year> and the 1099-c was filed with the IRS on XX/XX/year>. I kindly request that you investigate this matter and, if my claim is found to be accurate, remove this charge-off and/or collections from my credit report. IF THIS ACCOUNT IS NOT REMOVED FROM MY CREDIT REPORTS, I WILL INVOLVE TAX ADVOCACY SERVICES WITH XXXX IRS FOR ALL PARTIES REPORTING THIS ACCOUNT NEGATIVELY. 

The continued reporting of this discharged debt is negatively impacting my credit score and could potentially lead to unwarranted financial complications for me in the future. I am confident that you understand the importance of accurate credit reporting and will take immediate action to rectify this situation.

I am enclosing copies of the discharge and the 1099-c for your reference. Please let me know if you require any additional information to expedite the process. 

I look forward to your prompt attention to this matter. Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX Enclosures : Copy of Discharge/Copy of 1099-c
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I disputed these fraudulent accounts multiple times and they are still being furnished on my credit report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 
I have never authorized or have express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you have no permission purpose without my consent pursuant to 15 USC 1681.
Product: Debt collection

Loaner vehicle customer got a parking ticket in City of XXXX. Under Georgia law, specifically Georgia code O.C.G.A 32-10-64, ( c ) ( 3 ), this parking fine is owed by the driver of the Loaner vehicle, NOT the owner. We have advised the City of XXXX 's agent ( XXXX ) and this collection agency ( Professional Account Management, LLC ) of this law on three separate occasions. However, they continue to pursue this debt against us instead of the customer that actually is responsible for this fine per GA law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two collection accounts for the same originator ( XXXX  ) who stopped reporting an account that was not mine. Now XXXX XXXX XXXX and XXXX XXXX XXXX are both reporting this account in violation of FCRA regulations. This is an attempt to collect on a debt not mine and to cause malicious damage to my credit reports ...
Product: Checking or savings account

This past summer ( 2022 ), Credit Karma advertised a promotion whereby customers who applied for, and were approved for, a personal loan while logged in to Credit Karma would recieve a {$100.00} credit to their Credit Karma checking account. I applied for and was approved for a personal loan while logged in to my Credit Karma account prior to XX/XX/2022 per their requirements. I inquired with Credit Karma in XXXX, 2022 as to why I did not receive the promised {$100.00} credit to my checking account. Each time I inquired, thy have simply asked for more time to investigate. I've attached the original offer from Credit Karma, as well as the emails I've exchanged with them. The Credit Karma customer service case # is XXXX # XXXX. I believe that if a company makes an offer such as thiis, thy have a responsibility to honor it, or at least provide an explanation of the specific term ( s ) of their offer that they feel I have failed to meet. 

Thank You, XXXX XXXX
Product: Credit card or prepaid card

I opened an American Express Business Platinum Card on XX/XX/XXXX. At the time, there was a 50 % bonus on points redeemed for airline travel with my selected airline ( XXXX ). American Express does not have an online or phone system set up to redeem points at that rate, and I have had to spend hours on the phone more than a dozen times over the past year to get that redemption and bonus. In XXXX of XXXX, American Express announced they would be reducing the 50 % bonus to 35 % ( though I never was informed directly, I read online ). American Express then said ( again, not directly, had to read online ) they would grandfather in the 50 % for card members who signed up before XX/XX/XXXX for a  year. I called in during XXXX to inquire whether that 50 % bonus was from the time I opened the card ( XX/XX/XXXX ) or the time of the change from 35 % to 50 %, and I was told it was a year from the announcement ( XXXX of XXXX ). When I called XX/XX/XXXX to redeem the points and request the 50 % bonus, I was told it was grandfathered in from the open date of the card ( XX/XX/XXXX ) for a year ( so until XX/XX/XXXX ) and they would not honor the 50 % redemption.