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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX - XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX - XXXX "
Product: Mortgage

My concern is with Pennymac USA and the payment website. On XX/XX/XXXX, I logged onto the webportal to simply confirm the amount due. On XXXX, an unauthorized withdrawal of the payment amount was processed from my checking account by Pennymac USA. My intent was to make my payment on XXXX when my direct deposit came through ( still within my allowed payment period of through the XXXX ). I DID NOT initiate, process, request or confirm authorization of payment to be drawn feom my checking account. After explaining the concern to their contact center I was only refered to their online message center to submitt the occurrnce through there. So, I sent explination along with records reflecting the error and the insufficient funds assessed on my account for review. My bank covered my payment and knowing there would be available next day I requested Pennymac to reconcile via reimbursement of NSF fees equal to {$67.00}. After 3 days i recieved a very simple response " A One Time Draft was completed on XX/XX/2019, via the website in the amount of {$1200.00}. As a result we are unable to reimburse NSF 's fees as it was not a PennyMac error. " Right Pennymac! A one time draft was completed! That is the error! It WAS NOT AUTHORIZED!
Product: Debt collection

A company identifying themselves as XXXX XXXX XXXX has been contacting my family members, including the cell phone of my XXXX year old daughter, either speaking to them in person or leaving messages, sometimes as many as XXXX a day to locate me regarding a 'bank issue '. They have provided my family members an account number and told them they will be filing proceedings against me with XXXX XXXX XXXX. The phone number they provide is XXXX. When calling this number back you are sent straight to a recording telling you to enter an extension number with no identifying information and then if you hold there is a message telling you just that you reached the extension number XXXX.
Product: Student loan

In XXXX I was enrolled in XXXX XXXX XXXX and seeking to attend a trade school in Georgia in the XXXX. The school was XXXX XXXX 's XXXX XXXX, which appears to no longer be in business. It lacked a useable school code as they were not a college or university. I sought financing through Sallie Mae as was advised to me. Due to the lack of XXXX XXXX, Sallie Mae had informed me that I should use the XXXX XXXX for the XXXX XXXX I had been attending, even though I would not be enrolled there in the spring of XXXX. Being XXXX XXXX XXXX, and believing I was being offered real help, I took their advice. Sallie Mae encouraged me to take their money and spend it elsewhere. Following my completion of the technical training I received in Georgia, that institution was unable to offer me options for job placement assistance. Upon seeking employment independently I found I was under qualified. I have not been employed full time in the field I studied. As well, since XXXX I have experienced several financial difficulties, and was encouraged by Sallie Mae to put my loan in to deferment and/or forbearance each time. While I was informed that forbearances were limited, I was never informed by Sallie Mae that should I find myself unemployed ( as is my current situation ) that there is no help they can offer me. Essentially I received a predatory loan from a company that was willing to let my account collect interest, forbearance fees and not encourage payments, and refuses to offer assistance to the unemployed.
Product: Student loan

I went to XXXX XXXX XXXX XXXX XXXX in XXXX, CA. My original loan amount was approximately {$55000.00} and now I owe over {$100000.00}. For years I have requested my payment be lowered to a price that I can afford, but instead they will only defer or forebear it adding more interest and penalties. They are unwilling to work any different solution. I am now at a point where I will just die with it and they wo n't be able to get any money. I could never repay that amount they are asking and it will only continue to grow
Product: Credit card

My Information was exposed during the Data Breach. Please do not turn my dispute into a ( 30 ) day dispute! Under FCRA section 605B these fraudulent accounts should be within ( 4 ) days. Please remove all accounts listed. A police report has also been filled
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I mailed out a copy of my, Sate ID, SSN card, FTC identity theft report, identity theft letter and police report certified mail return receipt, to TransUnion requesting fraudulent information be block on my TransUnion credit report in accordance to 15 USC 1681 C-2. Which was mailed out on XX/XX/2022 and received on XX/XX/2022. XXXX and XXXX have blocked information but TransUnion has not. 

Information I requested blocked due to identity theft XXXX XXXX {$1800.00} XXXX XXXX  {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I have a Robinhood account, and Im unable to log into my account, I can see pop ups that trades are happening with dodge coin digital Currency with me not logging into the account. I have sent multiple request to Robinhood customer service to try to find out whats going on. You can only request that there is an issue through the app or website, there is no customer service number that you can call. This is completely unacceptable, Im left in the dark. I have been locked out since Sunday XXXX- Current for 5 days without any answers. Any help from the CFPB would be greatly appreciated! Thank you
Product: Credit reporting or other personal consumer reports

Experian violated FCRA by failing to properly conduct reinvestigations of disputed information in consumer credit files; failing to delete inaccurate, incomplete, or unverified information in consumer credit files; failing to provide adequate written notice to consumers. ( sham investigations ) inproperly reporting stoping me from succeeding in life and reporting false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$21000.00}, {$2100.00}, {$11000.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- AUTO ACCOUNT 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- OTHER ACCOUNT 6. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I have a collection that is on my credit report that is not mine and I filed report that it was not my collection. I reached out to collection agency with reports and they deleted the collection and experian has not taken it off my credit report and I sent all documentation to experian and they have yet to remove the collection which is causing harm to My credit score and potential creditors to help me. I have reached out to creditors discount and audit and they removed it and sent documents to experian who have not removed the collection. I have cfpb report showing creditors discount removal of the collection but yet experian has yet to do so and it has been over a month and I filed dispute with experian and they closed my dispute please I need help getting experian to remove this from my credit report thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to remove these inquiries with credit reporting agencies but no luck. These inquires need to be removed because I did not consent to have them
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit report effectively immediately. I am attaching proof that Equifax has admitted that I was in fact, the victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit report and update my score appropriately.
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : 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: Debt collection

Recieved a telephone call ( voice mail ) stating that they have attempted to send a summons to our home regarding an upcoming court date. Failure to respond could result in a bench warrant ( I have the audio of the voice message saved ). 

On calling the number given XXXX They claim to be the XXXX and this is in reference to a debt from XX/XX/XXXX with XXXX ( XXXX ). They stated the account was charged off in XX/XX/XXXX and then further claim I made single payment in XX/XX/XXXX ( which i did not ) This is obvious reaging of a deb and an illegal attempt to collect.
Product: Credit card or prepaid card

On XX/XX/XXXX, I authorized a balance transfer from my Apple Card to my XXXX card, for the amount of {$1000.00} plus {$50.00} transfer fee. On XXXX XXXX, XXXX, I realized that the transfer had not yet gone through on my Apple account, so I messaged XXXX. They told me to wait another 14 days. I waited and contacted them again on XX/XX/XXXX by phone, and they told me to contact Apple because the transaction had gone through on XXXX 's end. I called Apple, and they informed me that they do not accept balance transfers ; therefore, the money. had been sent back to XXXX. I called XXXX to inform them of this. I was told that a senior account specialist was looking into my complaint, but then I never received followup on the issue. On XX/XX/XXXX, I called XXXX again, and they told me they could not help me. On XX/XX/XXXX, I filed a complaint with the BBB. The {$1000.00} was temporarily credited to my account, until XX/XX/XXXX, when XXXX decided that the issue was " resolved, '' and they sent me a letter stating that I would have to take up the issue with Apple. I then sent Apple/Goldman Sachs a letter by mail, explaining the situation and requesting that they work with XXXX to resolve the situation. Nothing ever came of that request. I still owe {$1000.00} to both XXXX and Apple.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report there are accounts listed that don't belong to me, I wrote these companies twice, this will be my third time writing them about these fraudulent accounts that are harming my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is not putting the accounts in question in disputes unless I call in and spend 2 hours minimum on the phone trying to get it done. They continue to state that they need me to send in certain documents but ignore my documents for 3 months and demand I send them again before my disputes can be looked at. All they say is that the back office team needs to look over the documents but fail to comply with notifying myself of the disputes and continue to spam me with mail requesting my license and other information Ive sent over several times in the last 11 months. 

I am gathering all of this proof carefully and very organized to pursue litigation with the help of my lawyer. 

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates. 
EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151. 

Account Name : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm not sure if my address keeps being changed due to the Equifax breach, but I can never access my report due to my information not matching what Equifax has on file. I have had to contact Equifax numerous times to ensure that my credit report reflects the correct information. I can not properly monitor my Equifax report when my information is not accurate.
Product: Checking or savings account

Subject : Issue Regarding Navy Federal Credit ACH transaction to XXXX XXXX I am writing to bring to your attention a concerning matter regarding a Navy Federal Credit ACH transaction made on XXXX XX/XX/2022 to XXXX XXXX at XXXX XXXX XXXX in NY. It has come to our notice that the intended recipient of the ACH funds of {$1000.00} did not receive the payment due to an error in her checking account number provided. 

Both Navy Federal and XXXX XXXX XXXX have been uncooperative in resolving this issue, as they continuously point fingers at each other without offering a satisfactory resolution. As a result, XXXX XXXX has been without her {$1000.00} for close to two years, which is unacceptable. 

We have reached out to the XXXX XXXX Department with the associated trace number XXXX for the account in question, but we are yet to receive a resolution. 

We kindly request your urgent attention to this matter and hope for a prompt resolution to ensure that XXXX XXXX receives the funds owed to her without further delay. 

Thank you for your prompt attention to this important issue. 

Sincerely, XXXX XXXX
Product: Mortgage

XX/XX/XXXX third court date for XXXX XXXX XXXX XXXX for Motion for relief from automatic stay. They sold our property on XX/XX/XXXX for {$240000.00} back to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as trustee for the  certificateholders of the XXXX XXXX initial publication of the Notice of Sale was : $ XXXX.Mortgage Servicer Specialized Loan Servicing failed to evaluate or consider our loss mitigation application giving us the runaround about paper work sent or not sent and foreclosed on our loan knowing we were in default. Than a notice of sale was posted on our door .Statement fees and balances change drastically due to dual tracking and being put in foreclosure prior. On XXXX website ( XXXX ) house states sold on XX/XX/XXXX for {$240000.00} asking price XXXX They state its a 3 bedroom 2 baths with 2 units.Its in fact 1 bedroom NO garage NO 2 units. XXXX  states same and XXXX {$300000.00}.
Why would they keep asking for the courts blessing of the sale it was supposely SOLD legally?
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their own grave responsibilities with fairness, impartiality, and 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. '' ( EXPERIAN ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( EXPERIAN ) 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, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( EXPERIAN ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' 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

reporting a debt that may or may not be mine to the CRA 's which is past the SC statue of limitations.