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 consumer 's 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 to credit agencies ) 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. '' ( 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 of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) 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 against the law. 15 U.S. Code 1681s-2 ( 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. '' accounts # XXXX education accounts XXXX XXXX XXXX XXXX and # XXXX Conserve are violated my right.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX  XXXX Account Number : XXXX XX/XX/2017 Reason : I don't recognize this account
Product: Credit reporting or other personal consumer reports

I identified information on my credit report that was not completed by me and is fraud. The items are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XX/XX/19 I was called by a collection agency ( PinnacleXXXX XXXXl ) saying i owed {$3000.00} for a debt from an old account from XXXX ( now XXXX XXXX ) XXXX. They said if i paid that day they would reduce debt to {$1000.00}. So i paid it. I did have a XXXX account years ago so that is why i thought it was legit. However, today I got another called from a different collection agency about a debt from XXXX for {$380.00}. So i called the original company ( PinnacleXXXX XXXX ) who called me and the # goes to a voicemail but i am unable to leave a msg. The name on the recording is XXXX from XXXX XXXX. I emailed the last address i had and it came back as undeliverable. 

The company is called XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX . XXXX but the email address says its Pinnacle Financial. I XXXX  this address and it says its a XXXX store. 

The company said if i didnt pay the {$1000.00} that day that they would defer to a lawyer and there would be a lawsuit. I asked why I did not receive anything in the mail and if it they could send me something in writing but said if it wasnt taken care of that day i would get sued. Im fairly certain i got scammed. 

XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These regular inquiries AND the account need to be removed from my TransUnion credit report. These are not mine. I am a victim of fraud and identity theft. These were done fraudulent. Please remove them from my TransUnion credit report.
Product: Mortgage

I submitted two information requests on XXXX XXXX. First request, XXXX payment history. Second request, constituents of accruals. I have not received this information. Servicer comments that they do not have access to this information.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft exposed in the XXXX XXXX. Under the FCRA Code 1681 c-2 states that consumer reporting agency should block information in identity theft.
Product: Mortgage

Mortgage fraud bank fraud criminal deprivation extortion. Wells Fargo is committing fraud forcing foreclosure with bogus fees adding several principal balances to my mortgage not allocating payments correctly not applying correct amounts to mortgage insurance policy escrow etc increasing payments changing mortgage documents to make it look like they are not at fault.
Product: Mortgage

Loan Number :  XXXX  Loan Servicer : Ocwen Loan Servicing LLC  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL.  XXXX  Loan Owner :  XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  rate has been considered a Predatory rate currently at 8.37500 %, the rate has increased base on the  XXXX  market ( "  LIBOR '' ) as published in the Wall Street Journal not the Federal rate. These type of loans were under the scrutiny of the Government and were sup posed to be eliminat ed. The Servicing Company wants you to refinance the loan when they should have modified it based on the new laws. Was assigned a Relationship Manager by Ocwen but, after 9 attempts  have not had any communication with her (  XXXX   XXXX   XXXX   ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Iam writing to dispute the accuracy of the information on my credit report. I recently obtained a copy of my credit report and found that there are several inquiries that I did not authorize. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 2 ), I am requesting that these unauthorized inquiries be removed from my credit report.

The following inquiries were made without my consent and are therefore in violation of FCRA Section 604 ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I would like to inform you that I never gave written consent to any of the furnishers listed above to access my credit report. This is in violation of FCRA Section 604 ( b ) ( 2 ) ( A ) ( i ), which requires furnishers to obtain written consent from the consumer before accessing their credit report. 

I believe that these inquiries were made without my permission due to identity theft
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to an inadequate customer service & unfair practices which violates the consumer financial protection act ( CFPA ). Specifically cash app failed to take timely & effective measures to prevent & address fraud on their platform, leaving my account vulnerable & unprotected. Furthermore, their dispute resolution requirements under the electronic fund transfer act ( EFTA ) & regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

My student loans are currently being serviced by fedloan servicing ( Pennsylvania ). My account number is XXXX I submitted the required documentation for renewal and change of IBR plan in XX/XX/XXXX.  This paperwork has not been processed.
<P/> In XX/XX/XXXXI called to inquire, they said the error was that I did n't select to make a XXXX dollar payment and they changed it. I was then billed for the entire amount.
<P/>
In XX/XX/XXXX I  called, the individual I talked to this time seemed knowledgeable and I thought It would finally be taken care of. However, I was recently notified that I was 27 days late of the entire standard repayment plan. They again stated they were processing the application for IBR.
<P/>
I am a military member, and every payment that is delayed is one that does not count towards my PSLF. They have indicated they can do nothing to make up this time. Interest has accrued and I have lost payments so I have to pay longer.
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Also, they refuse to honor my SCRA request. I have submitted orders that indicate a date later than my loan date -- but they have an XXXX XXXX date that is prior to my loan date. Thus, they claim I am ineligible.
Product: Credit reporting or other personal consumer reports

I submitted proof of insurance XXXX XXXX, XXXX  and at the time there was no forced insurance and mortgage payment did not change. The proof of insurance was received successfully. There was a payment made to insurance company and once the proof of insurance was received the payment was reimburse to BSI XX/XX/XXXX. I submitted proof of insurances and BSI received the money back from the insurance company but BSI decided to place forced insurance in XXXX. I received multiple phone calls through out XXXX and XXXX regarding the balance. I explained to them that I did not have escrow account and that I submitted proof of insurance which was successfully received by the company. The agents that I spoke to gave me misinformation and were not aware of what was going on with the account. I have requested for the transcript to be reviewed and I emailed a letter requesting an investigation but I have yet to hear from the company. The emailed was sent XX/XX/XXXX. I asked one of the agents if it was being reported to the credit bureau the beginning of this year and the answer was no which was false. The last conversation ended with the agent telling me that there will be an escrow adjustment and that I will receive a check but I would have to forward that check to BSI. I found out about the late payments when I was applying for a car loan. The previous car that I bought XXXX years ago I had 5 % interest rate and this time was 13 % interest rate because of BSI. Almost all the lenders declined the loan application.
Product: Credit reporting, credit repair services, or other personal consumer reports

REFER TO COMLIANT XXXX, TILA VIOATIONS, FCBA, FDCPA, T.C.P.A, FCRA AND OTHER STATE CONSUMER LAW INFRACTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get these hard inquiries off of my credit report because I did not authorize them. I tried on multiple occasions to get TransUnion, XXXX and XXXX to remove these unauthorized claims from my account. This is what I submitted to them. Notice of Dispute, Intent to Litigate for Impermissible Credit Pull.

I recently pulled a copy of my consumer report and I notice inquiries that I did not authorize. 

The fair credit reporting act says that the only permissible purpose for pulling someones consumer report is for : 1. Firm offer of credit 2. Insurance 3. Court order 4. Employment These inquiries do not have a permissible purpose they are not attached to an account : XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, 2022 + All Banks XXXX XXXX XXXX XXXX : XXXX XXXX, 2022 + XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, 2022 + Television & Radio Please remove the listed inquiries from my consumer report they were not authorized Outside of what I just listed above according to the FCRA these inquiries do not belong on my consumer report letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My contact information is as follows :
Product: Credit reporting or other personal consumer reports

The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX  ( collection account ) I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 

fraudulent account open while in XXXX  sent email to XXXX on XX/XX/year> disputing this debt
Product: Checking or savings account

I found out my account was closed by Wells Fargo on XX/XX/2023. The account had approximately {$10000.00} if funds. I learned of the closing of the account when I checked my account online. I have received no explanation from Wells Fargo and can not access the account. When I call Wells Fargo I receive different explanations as to where my funds went and why my account was closed. These funds are all of my savings. I need the funds for my college tuition which I now can not pay. After I learned my checking account was closed, I attempted to move the funds in my savings account to another bank. Wells Fargo then closed that account and I can not access approximately {$2500.00} that remained in that account. I have recieved no written explanation whatsoever from Wells Fargo. When I ask them why this occured via telephone I can not get a response.
Product: Credit reporting or other personal consumer reports

Can you just put one address on my credit report just the XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX. By consumer law a credit report post to be accurate and complete and under employment you have XXXX can you remove it of if my credit report I never work there before. I also sent you a copy of my bank statement with my current address
Product: Credit reporting, credit repair services, or other personal consumer reports

medical data systems is still reporting a delinquent account which was paid several months ago. I have attempted to contact them several times and they will not help me resolve this matter. The last report on this account was 2/21 and nothing since. It needs to be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts of trying to dispute the following online that became unsuccessful. There are several inaccurate addresses currently reporting on my credit report that needs to be removed in which I am requesting that my credit report is reporting only accurate information and it is currently not reporting accurately. There are names and addresss and date of birth and employers that is all reporting inaccurately.
Product: Vehicle loan or lease

A payoff statement was requested in XXXX  and XX/XX/XXXXXXXX Remittance was submitted to pivot rock solutions. A form 1099c was filed for XXXX  tax year without prejudice and accepted by the IRS. A 1099-C was sent to Pivot Rock Solutions at the beginning of XXXX. Per the IRS, consumers are not required to report both the income and pay of the debt after it is canceled or discharged. In re Reed, XXXX  PTC 105 ( Bankr. E.D. TennXXXX XXXX ). Pivot rock ceased communication on Friday  XX/XX/XXXX. I woke up to leave for work and my truck was missing. Per most recent email communication they closed the file and transferred the account back to The XXXX XXXX on XX/XX/XXXX. I was told to direct all communication to The XXXX XXXX. Pivot Rock Solutions is the lender for the buy here pay here program with The XXXX  XXXX. They also have breached the contract with numbers not adding up correctly, and city taxes not being stated on the Department of Revenue Standard Sales Tax Receipt, but they are on the Buying order. I believe the calculations are incorrect. On Friday XX/XX/XXXX XXXX XXXX XXXX, illegally repossessed the XXXX XXXX XXXX. Creating disruption of the quiet enjoyment. Appointments were missed, and emotional distress was caused to the trustee XXXX XXXX XXXX. I spoke with the Finance manager XXXX XXXX at the XXXX XXXX, and she transferred me to General Manager XXXX XXXX. He laughed at my pain, he said the 1099c form was not filed, he told me i should pay my bills and kept laughing at me. I asked if we could solve this and he told me to get my lawyer. I have left several messages and emails to the XXXX XXXX, with no response from them. XXXX XXXX XXXX filed taxes and paid taxes on the income notated on the 1099c ( attached ). A UCC 1 financing statement is on file with the Colorado Secretary of State ( see attached ).
Product: Debt collection

-My family and I have had repeated phone calls from XXXX ( an associate of GM Financial ) associate. We have spoken with them on the phone and they leave messages. I have no relationship with them now nor have we ever had any. They are contacting us trying to contact my Brother ( XXXX XXXX ), asking does if he lives here. We have told them repeatedly that he does not reside with us. The phone number they call from is XXXX. 

After listening to two separate messages they left, I noticed both people obscured the last couple digits of the number they left to return the call too by speaking fast. This leads me to believe the purpose of the call is purely harassing and they know the person they are trying to contact cant be reached at the number but assume by harassing us that we will contact him. Even if I wanted to, I can not and have not had contact with my brother for several years. 

On XXXX XX/XX/2019, I contacted GM Financial customer service directly and informed them that I consider the phone calls harassing and requested they stop having XXXX contact us. They said they would look into it.
Product: Credit reporting or other personal consumer reports

I was receiving unsolicited mail from Capital One, I don't want mail from them any offers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an identity theft victim
Product: Debt collection

I XXXX XXXX XXXX have received a notification on my credit report that CMRE Financial Services is allegedly claiming that I owe a debt and that they are trying to collect. CMRE is in violation of the laws listed below ; FCRA VIOLATION 15 USC 1681a ( 4 ) - 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.

FCRA VIOLATION 15 USC 1681a ( 2 Exclusions ) ( A ) ( 1 ) - report containing information solely as to transactions or experiences between the consumer ( individual ) and the person ( corporation ) making the report ; in this matter I XXXX XXXX XXXX am the consumer ( individual ) and CMRE Financial Service is the person ( corporation ).

FCRA VIOLATION 15 US code 1681b ( a ) ( 2 ) - 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.

I DID NOT INSTRUCT CMRE FINANCIAL SERVICES TO REPORT ANYTHING TO ANY REPORTING AGENCY.
Product: Debt collection

This company called my office repeatedly for this debt that is not mine. This is a collection for my estranged brother. He had his own lease I was not a part of. I even provided documentation from the actual apartment complex that cleared me of this debt. If I was responsible why would the apartment not ask me to pay? They said on the phone and in writing that this debt is not mine. Hunter Warfield collection company never returned my phone calls or acknowledged the letter I sent them from the apartment complex. This is criminal that they are attacking my credit and my character for something I had nothing to do with. I had an XXXX credit score before they fraudulently put this on my credit report. I am taking legal action.