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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer.

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

" ( Furnisher of information tocredit agencies ) is a financial institution by definition under that title. 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), anyconsumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of theconsumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. 

Any and all consent to XXXX, Experian, ( Furnisher ofinformation to credit agencies ) whether it be verbal, non-verbal, written, impliedor otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institutionmay not disclose nonpublic personal information to a nonaffiliated third partyunless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Neverinformed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the followingitems of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX XXXX, XXXX. dated XXXX XXXX, XXXX in my personal mailbox on the evening of XXXX XXXX, XXXX. The letter stated that they are a debt collector and are trying to collect a debt from me. I immediately called the business the next day, XXXX XXXX, XXXX, while I was at work and asked what the debt was about and how they came up with the amount owed. To my knowledge, the debt they are attempting to collect on was charged off from the original creditor and sold to another company, not XXXX XXXX XXXX and XXXX, XXXX. I spoke to a customer service representative who identified herself as XXXX on the phone and told her I was willing to work out a payment plan to pay off the debt if was truly verified as mine. I explained that I only have XXXX income and could not afford more than {$20.00} per month as a payment, which is a major reason this debt was originally charged off and sent to collections. XXXX said that XXXX XXXX XXXX XXXX XXXX, XXXX. would not accept less than a payment of {$91.00} per month, to which I replied that this amount was not feasible on my income. I asked what would happen to me if I only made small payments and not the {$91.00} payment that I had no way of making and XXXX told me that her company could sue me and garnish my wages. I reported XXXX XXXX XXXX XXXX XXXX, XXXX. to the XXXX XXXX XXXX and Michigan Attorney General 's office in an attempt to protect myself from have legal action pursued against me as I am genuinely attempting to work with this business and pay this debt. I feel that XXXX XXXX XXXX XXXX XXXX, XXXX. does not care that I am willing to make payment arrangements with them, that I have XXXX income and I 'm living in poverty or that I am making an honest effort to repay my debt. They have poor business practices and to threaten legal action right away is very threatening and unacceptable.
Product: Debt collection

In 2019 I bought a car from Santander Consumer USA. After one year paying my fees I missed XXXX payments and my car was towed without any prior notice. I was away for almost 3 weeks due to my job and on arrival I got to know my car was sold. The manager informed me that the amount they sold my car covered towing expenses and we are all set. Taking into consideration the the total sale price XXXX XXXX with XXXX XXXX  base price and my APR 25.65 and all the repairs Ive already done to car I was sure they just took advantage of me. But decided not to take any actions at that time as Ive just lost my job due to the pandemic. What a surprise I got when after almost 4 years I have received a notice from a collection. Therefore now I want to verify my debt and ask the collector to provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous items in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX 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 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
Product: Debt collection

Hello My names is XXXX XXXX, I moved out of the rented apartment since XX/XX/2023 and paid all my rent on time. But i received a letter in XXXX from XXXX XXXX XXXX  that i would have to pay {$760.00} for the repair of the apartment i already moved out of since XX/XX/2023. After dispute with the management on why i must pay {$760.00} for repairs, I paid the amount on XXXX XXXX. 
I woke up on XXXX XXXX and i got an alert that there is a collection of {$760.00} from National Credit Systems.

National credit systems never communicated once with me to ask if i paid or disputing or accepting the debt. That's unfair practice and moreover, there is no way i should have a collection on my credit report on the account i paid off. 
Please help me. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for new Internet and Cable service today. Surprisingly, I was denied. I was so confused when the representative told me it was because of bad credit. When I had my credit pulled I saw things on my report that l knew nothing about. I was advised to call the police and I did, also contacted the FTC. Please delete all these items as they are not mine. 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 or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : 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 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 XXXXXX/XX/XXXX
Product: Mortgage

I have been trying to ge t U.S  Bank to give me a payment that is in my price range, so that I can keep my home. I am retired and every time I do a loan modification for my home, the payments seem to get higher and higher. I am retired with a fixed income and there is no way I would be able to pay what they are telling me I have to pay to keep my home from being foreclosed. I have been doing this process since   XXXX   and it does not seem like we are getting anywhere. I feel like this company is prejudice and discriminating against me. I have been trying to work with them but they just do not want to hear it. They rather see me outside and no where to stay then give me an modification for a payment that I can make.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C 1681 Section 602 A States I have the right privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681c-2 ( A ) ( 1 ) A person shall not furnish any relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian on numerous occasions regarding derogatory accounts reporting on my credit file with them. The 2 creditors in reference are XXXX XXXX XXXX & Exeter Finance XXXX XXXX XXXX XXXX is reporting a Original Balance of {$11000.00} Payment Status_ Voluntary Surrender with a Past Due Balance of {$690.00} Status Update of XX/XX/2018 So my argument is : The status update is inaccurate The Closed Account should not be reporting a past due balance or monthly payment, Status Update shows that the account was NEVER properly investigated which are clear FCRA Violations & inaccurate/inconsistent reporting on my credit file.

Exeter Finance XXXX is reporting a Original Balance of {$12000.00} Written Off Amount of {$11000.00} Payment Status_ Charge-Off with a Past Due Balance of {$9800.00} Status Update of XX/XX/2018 So my argument is : The status update is inaccurate, The amount that's supposedly written off is inaccurate, I never received a 1099C as documentation that the debt was written off, Status Update shows that the account was NEVER properly investigated which are clear FCRA Violations & inaccurate/inconsistent reporting on my credit file.

Also everytime I submit a dispute my credit scores drop due to these disputes which is unfair to me as a consumer challenging various inconsistencies on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting The Following Inquiries EXPERIAN XXXXXXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I initiated a {$3000.00} withdrawal ( bitcoin to USD ) from Coinbase to my XXXX XXXX account. This was marked " COMPLETED '' on XXXX XXXX, XXXX at XXXX. The estimated arrival time to my XXXX account was XXXX XXXX. 

Reference code : XXXX After XXXX XXXX, I checked my account every day and I have been in contact with XXXX who says no funds have been sent. 

On XXXX XXXX, I filed a Support Ticket with Coinbase ; it is Case ID : XXXX. I received an automated response explaining why my ACH withdrawal may be in " Pending '' status - however, my withdrawal was marked " COMPLETED '' since XXXX XXXX. I followed up with two e-mails and tried to get a hold of their support group - nothing. 

It is now XXXX XXXX ( 2 weeks ) and there is no trace of my money ( it has been gone from Coinbase since XXXX and never arrived to XXXX ) nor any communication from Coinbase 's support group. 

I would consider this complaint resolved the moment Coinbase actually executes my {$3000.00} withdrawal ( after fees ) and sends it to XXXX. 

Any help is much appreciated - thank you!
Product: Credit reporting or other personal consumer reports

I've revealed many times now that I've been a victim of identity theft. You must remove/block any items opened without my knowledge, consent, or authority within 4 business days by providing ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA 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: Mortgage

Ive been trying to get my answers from the original lender XXXX XXXX  Ive been lie to mislead for many years and Ive have contacted every gov agency including your agency. And have not been successful. My ex employer and family members are involved and the have been filling wrong unauthorized documents and there are house representative title broker agent involved Ive finally know and have that information and proof of this. XXXX XXXX XXXX the title broker insurance agent was never authorized to work or provide my house with insurance or anything. The XXXX transfer my loan to shellpoint and I believe that there wrongful kicjbacks and they discriminated against me and my household they forced this forclosure and have been retaliating again against me the whole time and Ive have not been able to get reimbursed the fha fees presentations fee inspection fees the insurance fees for fha pmi mi and Hazard insurance thats Ive been paying for years and Ive requested the large amounts in impound and escrow account reimbursed. All the wrongful forclosure fees recorded fees title fees and XXXX XXXX XXXX fees and XXXX XXXX fees and XXXX XXXX XXXX XXXX XXXX fees I want the money and answers of and thes fees and insurance fees reimbursed! Ive believe that my family or ex employer XXXX XXXX attorney has been filing lien and other documents and has stolen my home and now I lost my home to greedy investor and Ive contacted XXXX XXXX to have them give me the informations and answers that I have about the new information that was sent to me from shellpoint newrez Penn financial XXXX XXXX. Theses documents are altered and are falsely reported and lies and I dont know were the actual Came from and no one knows. There large amounts of money inpound accounts and I want reimbursement snd my lien release and my all the money I paid after I was permanently XXXX reimbursement cause XXXX  breached the contract and Ive always paid and they failed to pay my insurance and protect my interest.
Product: Student loan

Navient  will not allow me to even research income-driven repayment plans through their website. When I navigate to the page, it claims I have past due loans and instructs me to call them : however my federal loans are NOT past due. They are deliberately inhibiting me from being informed about my options. Furthermore they are conflating responsibility of federal and private loans : if I do in fact have private loans that are past due, they should not prevent me from receiving information about my federal loans.     I want to remove my federal loans from Navient and service them through someone else.
Product: Credit reporting or other personal consumer reports

a company named XXXX XXXX has a inquiry on my report. i did not authorize this company to pull my credit report. this must be a phishing attempt. this was not me please remove this false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ITEMS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2, these accounts are not mine and I do not live in the address reported. Also, I do not file bankruptcy in any court. 

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 Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error 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

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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 card

My XXXX XXXX XXXX son made un-authorized charges to our credit card account through the XXXX gaming application. This was tied to our XXXX account, which is tied to our CHASE credit card account. Over the course of XXXX weeks, my son charged {$580.00} to our credit account. Chase did not advise us of ANY suspicious charges until XX/XX/2024. On XX/XX/XXXX, we stopped the charges and contacted XXXX, XXXX and Chase. None of them will reimburse us. My claim was denied as it stated that we received a benefit from the transaction. However, they did not notify us of any suspicious activity until almost XXXX weeks after it started and they were not authorized charges as they were made by a minor.
Product: Mortgage

I was approved for a land loan on Thursday, XX/XX/year>. My banker, XXXX XXXX, sent me a screenshot of the approval via text message. However, on Monday, XX/XX/year>, XXXX XXXX called to inform me that the underwriter had declined my loan, and she was unsure of the reason. Since then, I have been trying to reach out to XXXX XXXX, only to be informed that she is no longer with the bank. 

I was referred to XXXX XXXX due to her outstanding reputation for assisting customers with loans. I have been engaged in this process for over three months, and when XXXX XXXX secured my approval, she was even more excited than I was. On Monday afternoon, she expressed significant disappointment when she informed me of the loan decline. She also mentioned that she had the ability to secure XXXX XXXX financing for my land purchase, a possibility she described as an exception to the bank 's policy. This policy, as she previously explained, allowed for XXXX XXXX financing if the purchase was from someone with whom the buyer had a personal relationship or family ties, without requiring exceptions. 

Additionally, XXXX XXXX shared with me that she felt other Branch Managers were not facing the same challenges she encountered, and even suggested handing my case to another Branch Manager to avoid what she believed was a pattern of discriminatory treatment toward certain customers. I declined her offer at the time. 

Given that my loan was unexpectedly declined after initial approval, I am now concerned that this decision may have been influenced by factors related to my race. I would like to request a clear explanation for why this happened.
Product: Credit card or prepaid card

I have a loan with CAPITAL ONE BANK USA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and CAPITAL ONE BANK USA with no successful resolution. XXXX is only reporting me late. There was definitely an error on their part.