23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my consumer report and noticed there are items on there that have reported my private and non-public information which I did not provide explicit written or verbal permission for them to do so, and this is identity theft. They have compiled a report on me that is supposed to represent who I am. This has caused reputable damage to my life ; this information has been used to validate my credit worthiness with other creditors. 

These furnishers did not respect my right to privacy under 15 USC 1681 ( a ) ( 4 ), they did not exercise their grave responsibility which is unfair and partial. They assumed the credibility of these companies that the information The furnishings were correct and accurate. They never had a permissible purpose under 15 USC 1681 ( b ) ( 2 ) 15 USC 1681 ( a ) 1 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. 

15 USC 1681 ( a ) ( 2 ) An Elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

The CRA has undermined my right to privacy, I spoke with their fraud dept to provide info regarding identity theft and to advise I had made a claim with the Federal Trade Commission FTC Report is attached and a copy of my consumer report # I demand TransUnion to block and remove items listed according to 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX XXXX XXXX US DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please understand I can only list from the file which I received from TransUnion, Once I receive an updated copy of my consumer file there may be other inaccuracies that weren't specified in the past report which I will be amending if there should be a need to.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of your violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically regarding unauthorized communications via text, mail, and phone calls. 
Under the FDCPA, debt collectors are prohibited from contacting consumers without prior consent. Despite this, I have received the following unauthorized communications from your company : Text message ( s ) on XXXX XXXX XXXX Mail on XX/XX/XXXX and XXXX XXXX XXXXXX/XX/year> Three phone calls on XXXX XXXX XXXXXX/XX/year> These communications were made without my prior consent, constituting a violation of the FDCPA, specifically under 15 U.S.C. 1692c. Each unauthorized contact is considered a separate violation.
Product: Student loan

After already submitting tax info for my IDR plan, I have now received a letter stating that in December I will have unreasonably high repayment amounts, in the neighborhood of {$5700.00} a month ( more than my monthly take home pay ) after insurance, taxes, and retirement withholding ). I was on the SAVE plan and they have the account on administrative forbearance. Trying to call is a circus. Insane delays. You can never get ahold of anyone. Who can wait for hours on hold? I have a job - trying to deal with my loan servicer shouldnt be another full time job. So I cant tell if they have my IDR tax info or not and theyre saying on the site that XXXX cant reapply until they notify you when you can. Im so confused and cant get ahold of someone to help me sort out whats happening.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a formal complaint against XXXX for reporting inaccurate and misleading information on my credit report. Despite my efforts to dispute this directly with XXXX, the incorrect information remains uncorrected, causing harm to my credit profile. 

Details of the Complaint : XXXX XXXX XXXX : XXXX Account in Question : XXXX XXXX ( Closed Account ) Date of Credit Report : XX/XX/year> Nature of the Inaccuracy : Incorrect Charge-Off Reporting : XXXX is XXXX a {$460.00} charge-off that is inaccurate. 
Incorrect Delinquency Information : The report incorrectly reflects a {$310.00} past due balance and multiple charge-off notations, despite this information being either outdated or incorrect. 
XXXX XXXX XXXX XXXX : There are inconsistent and erroneous late payment records on this account that require verification. 
I have attached a screenshot of my XXXX report, showing these inaccuracies. 

Violation of Consumer Rights : XXXX is legally required under the Fair Credit Reporting Act ( FCRA ) to ensure that credit information is accurate, complete, and verifiable. However, they have failed to investigate and correct the disputed inaccuracies. Given the recent {$480.00} million CFPB fine against XXXX, it is clear that XXXX has ongoing systemic issues in handling disputes and maintaining accurate consumer records. 

Requested Resolution : CFPB XXXX : I request the CFPB to investigate Equifaxs failure to properly verify and correct inaccurate information. 
Correction of Credit Report : I demand XXXX remove or correct the disputed items and provide written confirmation of the correction. 
Accountability : Given Equifaxs history of mishandling consumer data, I urge the CFPB to ensure compliance and impose further penalties if necessary. 
This inaccuracy has negatively impacted my credit score and financial opportunities. I appreciate the CFPBs prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX
Product: Mortgage

PNC bank assumed my mortgage from another provider for my condo. They have been insistent on me having additional insurance over and above the master condo policy, which covers full replacement of my condo. Why ; beats me. I have had to place XXXX phone calls to them, and they simply do not listen, or even seem to understand basic insurance terms and policies. They called my insurance company in a lame attempt to clear this up, left a call back message, and then refused to take the call back.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and said you are the only ones that can close these accounts out?
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX  - {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$36000.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Checking or savings account

Dollars amount placed on hold to long, amount not adding up, bankers harass merchants, bankers copy merchants, banks baby sit account, banks question money funds to account, bankers stinks, bankers are to young,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent an affidavit of truth to the following companies regarding reporting inaccurate information to my consumer file at XXXX, XXXX and XXXX. The first complaint was sent to XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX and American Express and XXXX XXXX XXXX. According to the tracking numbers that were provided in the affidavit of truth they received the information and the dispute and continue to report the errors to my credit file. The following financial institutions are continuing to violate the Fair Credit Reporting Act after I requested to exercise my right under 15 USC 1681 ( i ) ( a ) ( 2 ) ( B ) 2 Exclusions please see attached affidavit of truth. 

Also, under the Fair Credit Reporting Act and the Federal Trade Commission specifically the Gramm-Leach Billey Act 15 USC 6802 Obligations with respect to disclosures of personal information and my right to opt out from credit reporting was violated by these financial institutions. 

All five of these financial institutions knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties, which include XXXX, XXXX, and XXXX. They knowingly and willfully withheld information that explains how I the consumer can exercise the non-disclosure option. The following accounts are in violation of the Fair Credit Reporting Act 1. XXXX Acct # Card ending in XXXX XXXX. XXXX  XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent XXXX Bank account on my credit report that XXXX and Experian refuse to remove. I have been disputing this acct for a whole year to no avail. The acct usage is totally fraudulent. There were unauthorized charges made on the acct and the company agreed to remove the acct from the credit bureaus after receiving payment. XXXX recognized the acct as fraudulent and removed it.
Product: Credit card or prepaid card

i noticed a charge on my credit card account in the amount of XXXX $ posted on XX/XX/XXXX from XXXX. 

i dont recall making any purchase with XXXX on XX/XX/XXXX. 

when i contacted XXXX regarding this charge, XXXX informed me that it was a purchase made on XX/XX/XXXX, but was not able to provide any information on this transaction. 

i contacted my bank ( chase ) to dispute this transaction. 

2 months after my initial dispute request, the bank responded to the dispute XXXX said i was responsible becuase i had prior purchases with this business. yes, i have shopped with XXXX in the past, and during that time period ( XXXX and XXXX ). However, i never authorized this charge for XXXX and no one ( XXXX or my bank ) is able to tell me what was purchased.
Product: Student loan

Suntrust holds my Subsidized and Unsubsidized Federal loans- they have not been refinanced, they are simply being serviced by Suntrust . The principal is greatly more than the original principal amount now. I was looking forward to some relief from the CARES ACT with 0 % interest so that we could work hard and restore our family 's emergency fund that has been depleted due to significant cuts in pay due to being unable to generate volume at the office due to covid19 restrictions and precautions. We have spent the entire period of CARES ACT 0 % with continued payments and interest accrual. It seems that a loophole of the CARES Act is that private servicers of federal loans are not required to provide any relief at all. Is it possible to have the amount of the accrued interest credited retroactively to my account? Please advise. Thank you for your attention.
Product: Mortgage

This company is a nightmare. I called in 30 days ago to end forbearance and request a covid flex modification. They did not comply and instead kept me in forbearance. Whenever I call the number on the website, I'm unable to speak to a live person. If I select modification on the phone tree, it lands me at a 'canned response ' that states " please look at the website '' and then hangs up. I applied for a mod 30 days ago only to learn that they never took me off forbearance and basically ignored the request. Then I have been going through circles of ridiculous needless paperwork with a underwriter that obviously either doesn't know what is required for a flex mod or is purposefully trying to get home owners lost in endless loops of unnecessary documentation that no other mortgage company has ever asked for on a flex mod. This company is clearly trying to put up fabricated obstacles to a Flex Mod in the hopes of getting home owners lost in the weeds. The required and requested documentation is clear from their initial packet which I sent in completed and they are now changing these requirements on the fly. The most recent request is a good example... I initially sent in my P & L for the last quarter which is what they asked for in the packet and now they are stating send in each month separately. This is a stall tactic. They don't need that granular info for a flex mod. The waterfall doesn't require it. I guarantee when I send that in they will come up with another obstacle which is unnecessary. When they keep changing the rules on the fly then its obvious to me what they are doing. Not being able to speak with a live person just makes it worse. Everything they are doing isn't necessary for a flex mod and they know it.
Product: Mortgage

I have filed before, but this time a found the XXXX XXXX of my XXXX. 
They are removing you as servicer of the loan and reassigning the Deed of Trust. 
I have attached the Letter he sent me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX
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 XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or 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 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 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: Consumer Loan

I purchased a car on Saturday, XXXX. I was pre-approved for a loan from USAA for a 48 month 2.5 % fixed rate auto loan. I went to the auto dealership, and they were able to offer me a 1.99 % fixed rate. I called USAA to see how to close out the loan I was pre-approved for, and to see if they could match or beat the dealer 's rate ( through XXXX XXXX XXXX ). The representative said since I had been in the XXXX, and I was a USAA member for 20+ years, he could give me a $ XXXX loan at 1.49 %. I was thrilled, and told the dealer I would n't use their financing. But when the representative from USAA told me the 5 year loan for $ XXXX would be almost {$500.00} a month that did n't seem right. After questioning the USAA representative he told me that there was a {$1200.00} origination fee for the car loan. This was not mentioned at the beginning of the process, and was far from transparent. That effectively added over 4 % to the interest rate, but was hidden as a fee. 
I 've been in banking for over 20 years, and knew enough to push back and ask questions. A brand new XXXX or a XXXX would not have known about the CFPB and what UDAP is. Perhaps USAA would have eventually clarified the fee and it 's impact to my loan. But hiding {$1200.00} on a $ XXXX loan is completely unacceptable. This materially changed the transaction, it was not disclosed, and it intentionally targeted military service members or former service members. I strongly believe this was an Unfair or Deceptive Act or Practice ( UDAP ). If this did not violate UDAP in the letter it definitely violated the spirit.
Product: Debt collection

Have been received calls from someone claiming I owe {$260.00} from a uncollected debt with XXXX XXXX. Have not had an account with them for at least 2years. Cleared all debts with them. 
The calls are aggressive wants my credit card number.
Product: Credit card or prepaid card

I am being required to remove an Apple Card from my existing ID, this because this ID is handled/managed by my employer. Apple/Goldmans Sachs refuse to transfer my Card to my personal Id and are forcing me to close the existing account, pay it off and open a new account if I were to choose to continue using the card. As you can imagine this would have a substantial financial impact and would also negatively impact my score thru no fault of mine. This all in lieu of the card being tied to my SSN and reported as such to the Bureaus ; Apple and Goldmans state that the card needs to be associated to one Id and can not be transferred to another one even it is is mine. I consider this to be an illegal action by Apple and I should be allowed to transfer the Card without any problems
Product: Credit reporting or other personal consumer reports

There are errors on my credit report under 15 USC 1681c-2 related to inquiries I didnt authorize, and they are negatively affecting my credit score. Please remove all unauthorized hard inquiries
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES XXXX XXXX Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ). 

Accounts listed below in green XXXX highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( XXXX ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( XXXX ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow XXXX highlight text accounts in status of Charge off that is tag FDCPA Section XXXX Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in XXXX XXXX highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( XXXX ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 

Please update my credit report as per law abiding accuracy of data.
Product: Credit reporting, credit repair services, or other personal consumer reports

Vanguard Financial Services continues to attempt to collect a debt that was accrued in XX/XX/2013. I was a college student at the time and did not have medical coverage. I ended up in the emergency room with XXXX XXXX XXXX, and I was not able to pay the debt. It has since passed 7 years, and XXXX XXXX will not remove it because Vanguard keeps refreshing the date of submission to make the account look newer than it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2020. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  on XX/XX/2020 ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX, CA XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Product: Bank account or service

I had ordered a replacement debit/atm card for my savings account but never received it so I went into a branch to order XXXX because I was told when I visited the bank in XXXX of 2015 that it was never ordered. I was then told that the temporary card would be destroyed & I asked if I could take some money out XXXX & was told sure. I went to the atm & it said XXXX balance I was like how is that & told the banker I was talking to, she pulled up the transactions deposit on XXXX then a {$100.00} withdrawal on the same day of the deposit & then another XXXX transaction XXXX but the XXXX is the day I went to the bank & realized the unauthorized withdrawals. The banker reported the issue & I was given a temporary credit for the unauthorized withdrawals. Today XXXX I received a secure message saying that the credit is being reversed. How is that when I did n't make the withdrawals plus it was done from the Chase branch atm location that I made the deposit so I need to see the proof they claim to have to reverse my credit. I had absolutely no reason to take {$200.00} from my account when I had just deposited it & had also took out {$300.00} from another account to have money on hand & still had over {$300.00} in that account when taking the {$200.00} from the {$300.00} I withdrew to put in my Chase savings account! I had over a {$1000.00} deposited into my checking account with another bank on the XXXX, took out {$300.00} to make the {$200.00} deposit into my savings on the XXXX & days later still had over {$300.00} in my other account with more than {$900.00} being direct deposited into my other account on the XXXX of XXXX! I had absolutely no reason to touch my savings account especially after making the deposit & keeping a {$100.00} of the {$300.00} I withdrew & certainly not on the same day of the deposit! This was fraud due to skimming & Chase needs to find out who did this to me & stop trying to blame me for something I clearly did not do!