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

XXXXXXXX XXXX, a financial institution and furnisher of information, along with XXXX AND TRANSUNION, consumer reporting agencies, have willfully failed to comply with federal regulations by misusing my consumer report regarding account number : XXXX. 12 CFR 1016 ( Regulation P ) regulates and protects the privacy of consumer financial information. 12 CFR 1016.16 regulates and protects the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 12 CFR 1022 ( Regulation V ) Appendix M regulates and specifies obligations of furnishers of information to consumer reporting agencies under the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 

I, the consumer, have been adversely affected by XXXXXXXX XXXX XXXX, AND TRANSUNION being willfully noncompliant with the proceeding federal regulations. 

12 CFR 1016.16 regulates 15 U.S. Code 1681 section 602 which 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. '' My privacy is being violated by the misuse of my consumer report. 15 U.S. Code 1681b section 604 states In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXXXXXX, AND TRANSUNION do not have my consent to furnish said information, and I have never given them written or verbal consent. Any implied consent is revoked. 

12 CFR 1022 Appendix M regulates 15 U.S. Code 1681a ( 2 ) ( A ) ( I ) which states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IRS Publication 4681, Chapter 1 regarding canceled debts states that a canceled debt is considered ordinary income, which is taxable. This charge off is taxable income and not to be included on a consumer report. 15 U.S. Code 1681s-2 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. XXXXXXXX XXXX XXXX, AND TRANSUNION are willfully misusing this information on my consumer report. 

12 CFR 1022 Appendix M regulates 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) which states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. XXXXXXXX XXXX XXXX, AND TRANSUNION have been willfully noncompliant by continually misusing my consumer report after I filed a complaint. 

12 CFR 1016.7 states, A consumer may exercise the right to opt out at any time. I am opting out of any and all of your reporting services. 

My intent is to sue if said issues are not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

the law states that at no point should there be a late payment reporting my consumer report & should not include any transactions or experiences between me the consumer and any person making a report. Further more, I never gave any consent for these alleged transactions. 
These are clear violations of my consumer rights under 15 U.S. Code 1681a, 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b Please delete these late payments from my consumer report and update this account as soon as possible Account Name- XXXX XXXXXXXX Account Number - XXXX Late Payment - XX/XX/2017 - Late Payment
Product: Money transfer, virtual currency, or money service

I booked a trip in XXXX through a travel agency. Due to COVID-19 the trip was canceled. The travel agency sent me an email stating that I had to contact my cardholder for a refund. I contacted my bank, Chase Bank, and they refunded me the money but took the money back. I never received my went on my trip and I dont have my money.
Product: Debt collection

I recently obtained a copy of my credit report and noticed accounts I did not authorize.
Product: Vehicle loan or lease

I have been treated poorly every time I interacted with this company as if I am not a customer at all and they are offering me welfare or something. 
I was misled about the details of my first car a XX/XX/XXXX Nissan Sentra and when I declined the extended warranty I was told I would get a XXXX refund that would lower my payment. this never happened and the money went to Nissan Motor acceptance who did not even credit me 1 payment. 
Now my car was in an accident and my insurance company is totaling the car. I received confirmation that they paid Nissan Motor Acceptance over XXXX on my loan and Nissan is harassing me for payments on the car even though they just opened a new loan for my replacement car. they are going to ruin my credit for being a second time customer. I also have gap insurance and the company has made completing my claim almost impossible asking me for documents only Nissan and my insurance company have. My insurance company said they will send them the ones they have but Nissan is doing nothing to help me on their end but threatening my credit. I can not afford to make two car payments. Nissan promised me this would not happen. Nissan Motor acceptance has been borderline abusive in their handling of my accounts and treatment. It has been an emotional assault on me and causing my health problems. I can not believe how horrible they treat their customers. Cold and unfeeling. If I can warn every person I meet for the rest of my life it wo n't be enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several complaints against Equifax Credit Bureau for constant violations of consumer law. In response they removed 1 of the fraudulent accounts but left the other. They both were added through unlawful methods and both should be removed the same. Not only are you reporting false information you are reporting it illegally. Please provide me with a copy if the contract I singed agreeing for you to furnish this information or delete the account immediately. Also XXXX XXXX XXXX  has no authority to verify this debt as they stole my identity, please provide me with the contract where I authorized them to share that information or delete the account immediately. Please provide me with all documentation in regards to my investigation or delete the account. Any and all parties who you are allegedly verifying this debt from stole my identity. You are also reporting inaccurate information such as late payments which is a billing error. The fraudulent accounts have both been deleted by another consumer reporting agency so once again they are displaying false information. If the other agency could not verify this debt how could Equifax? They also contradict themselves in their response stating that all unpaid collections will remain on the credit file for 7 years however the other collections that they removed was also unpaid and is no longer reporting. This will be my last CFPB complaint before I file a fraud complaint with the Federal Trade Commission.
Product: Mortgage

My name is XXXX XXXX I am a XXXX veteran. I have filed several complaints regarding Bank of America and I am filing another one I have been working with Bank of America for several years now. 
Now we are at the short sale of XXXX XXXX XXXX, MI XXXXAll the things I feared about working with a big banking company was just true. Initially I got a lawyer to handle this for me. He got indicted on felony charges and dealing with Bank of America has been XXXX ever since. My hair has fallen out, it has been aggravating my XXXX and putting them on over load. 
Anyway. I have honestly tried my best to rectify my issues. I have complied, complied, complied, and still I get to these stop lights that turn red and never turn green again until I call you guys to get on their butts. 
This time, we are all the way to the end of the Short sale process. Now I do n't have a Short sale represented. I have a realtor and a buyer for the house. The appraisal is complete. Now the realtor ca n't find out what 's going on with the short sale. It appears the selling of the short sale came to a complete halt. Contact person has disappeared. No one knows who is handling my short sale. It 's just crazy. I am to be closing on the deal any day and I do n't know where it is who is in charge of my closing. I was instructed that would short sale representative to guild us through the process. Initially we had one. But she would n't close the deal because she accused us of having XXXX mortgages on the house and I did not. I had to write you guys to get that misunderstanding rectified.. I nor my realtor has yet to receive any correspondence. Is hurtful. Please get me assigned to someone to finish this process. Hopefully they have nt thrown it into the wrong pile and put it foreclosure or something. They are full of surprises. I thank God I have you to help me through this absolutely this horrific process.. I saw with my own eyes, how my friends tried to work with them and they still lost their houses. They are clever and ruthless. I am just hanging own by a thread because of you. Hopefully I am not too late with writing this letter. Thank you.
Product: Student loan

XXXX/ BANK OF AMERICA # XXXX. The account is closed but it keeps appearing on my report. It also arrears multiple times.
Product: Checking or savings account

My name is XXXX XXXX I went to open a bank account & some one has one in my name which cause me not to be able to open one I never had a bank account in my life XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX pa XXXX Consumer number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my credit report Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC Reporting account that shouldn't be on my report. Incomplete Collection Account and Unknown. Incomplete accounts shouldn't be on my credit report per federal law. XXXX  collection? incomplete and inaccurate.
Product: Vehicle loan or lease

In accordace with the Fai Credit Reporting act. The list of accounts below has violated my federally protect privay and confidentiality under 15 USC 1681. 

Account name # XXXX, Account name XXXX, Account name : # XXXX, has violated 15 U.S.C 1681 section 602 A. States i have he 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 instructions
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate XXXX XXXX and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : XXXX removal of the erroneous address from my credit report. 
XXXX updated credit report reflecting the corrected information. 
XXXX confirmation of the actions taken to resolve this dispute. 

XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Credit card or prepaid card

I received a US Bank Relia Visa card that I never applied for in the mail. I called them and they said it appears a card was opened under my name through the Unemployment office int the state of Ohio. They also stated that the SS # they had on file did not match mine so I assume someone opened a card under may name and address with a made up SS #. 

I have spoken with XXXX XXXX and they have this noted and have called the credit bureau. I will also be calling the state of Ohio tomorrow to let them know about this situation. 

Thank you! 

XXXX XXXX
Product: Debt collection

I was looking at my current credit reports and noticed a new collection that Ive never received any communication about from Enhanced Recovery Co. It says for XXXX and the amount is {$530.00}. I check my reports weekly and this just arrived at the end of XXXX but on my credit report on XXXX it states it was opened in XX/XX/2023. I called XXXX and they have no knowledge of this supposed debt so I believe this is either someone else 's debt or identity theft. This is hurting my ability to get credit from anyone and I would like it removed since it does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account 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: Debt collection

We signed a XXXX  subscription with XXXX company in XXXX with 36 months term ; the contract was expired in XXXX. In XXXX, XXXX, and now XXXX we kept receiving collection notice from XXXX XXXX XXXX XXXX relating to some orders or invoices that we have never known. We spoke to the collection company representative and called XXXX XXXX XXXX, nothing changed. Please help us to resolve the issue.
Product: Credit reporting or other personal consumer reports

An account was opened in my name I was unaware of, and I closed it before the line was used or activated. I contacted the company directly to report the issue and requested it be removed from my credit report. After XXXX  days, the account was closed, but they are still insisting I pay the annual fee for the account I never consented to. 

I refused to pay, and as a result, my credit score dropped XXXX points due to a delinquency on an account I never opened. 

Shame on this company for not treating consumers and having life altering negative access to my credit report.
Product: Vehicle loan or lease

Santander  repossessed  my vehicle  I was a month  behind. Truck  cost XXXX   had the  truck  for about 3 or four  years  they  repossessed  the truck  and  never heard  anything  else about it.  It does not appear on my credit report.
Product: Credit reporting or other personal consumer reports

I submitted a lot of complaints regarding my concern about the removal of the XXXX that I have on my credit report. XXXX clearly stated that they could not locate the following XXXX records on my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting or other personal consumer reports

Please ensure these unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not authorize these accounts, and their origin is unknown to me. Per USC 1681g, I am requesting their removal within XXXX  days. Attached are the necessary documents for your review.
Product: Credit reporting or other personal consumer reports

I have contacted several companies by phone and XXXX mail with no response. In XXXX of 2023 and XXXX of 2023.
Product: Mortgage

My account transferred to Freedom in XXXX. Right from the start I had issues. I called Customer Service because my insurance was paid by the previous servicer on XXXX XXXX, 2016 ( this is confirmed on Freedom 's website ) Freedom then paid my insurance on XXXX XXXX, 2016. I called to get the payment cancelled and the agent was very rude i let her know there were XXXX payments showing on the website and she proceeded to argue with me that only XXXX payment had been made. I offered to wait while she logged onto the website to verify but she claimed there was no way the previous servicers history was on the website ( see attached screen shot its on there ). After getting hung up i finally got to the insurance department whom claimed they stopped the check from going on out. However the check did go out and so my insurance company sent me a refund of {$1100.00} thankfully I knew enough not to cash this. I called my insurance company who stated that Freedom stopped payment on the check and it was not valid. So while my issue is resolved my complaints revolve around XXXX things XXXX the shoddy customer service and the rude agents at Freedom. Second i have sent to email requests to freedom regarding this issue w/no response the first in XXXX which i do not have a copy of and the second XXXX in XXXX ( copy attached ) i have not gotten a single written response from Freedom other than an acknowledgment that they have gotten my complaint and will respond by mail. I work for a mortgage company and was appalled out how i have been treated and how i have not received a response.
Product: Credit card

I had 2 balance transfer promotions with Discover Card on my XX/XX/XXXX billing statement : 1 ) Balance Transfer at 5.99 % APR expiring XX/XX/XXXX in the amount of {$1500.00} 2 ) Balance Transfer at 6.99 % APR expiring XX/XX/XXXX in the amount of {$1700.00} I made a payment on XX/XX/XXXX in the amount of {$1600.00} to payoff the balance transfer promotion expiring soonest on XX/XX/XXXX so that I could continue to take advantage of my promo that expires next year. Instead, Discover applied my funds towards the promo that expires XX/XX/XXXX and let my XX/XX/XXXX promo expire so that I'm now paying 25.74 % regular APR. 

I called Discover on XX/XX/XXXX to kindly ask that they reverse the my payment and apply to the 1st balance transfer with remaining balance of {$1500.00} and they refused saying that their policy is for payments to go towards higher APRs first, even if the customer has explicitly requested otherwise. This was unfair, deceptive and abusive and they need to comply with my request. 

I let them know that my phone conversation was recorded as well and asked if they'd like to reconsider to which they said no. 

I'd like resolution.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be updated. 

XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX Experian : XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Debt collection

Sequium Asset Solutions is the scam company who calls at least 3-5 times a day requesting a debt to be paid. Well the debt to be paid is an account that I or anyone in my family has ever had. When I did speak to someone, they were very rude and used unprofessional language. They as for personal information and other types of account information to try and make you give money or pay for an unknown account that does not exist. SCAM! I have several friends who have said they are receiving calls from this same number, same company. SCAM.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian and XXXX must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act XXXX account # : 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: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I received a copy of my consumer reported and noticed this one account which was open fraudulently XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) balance {$1200.00} I have no knowledge of this account and I want it removed immediately.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of XXXX XXXX and I'm requesting to remove these fraudulent items from my credit file resulting from alleged XXXX XXXX. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in XXXX XXXX. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX