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

This company ran my credit with me authorizing them to, I am aware of who this company is and they ran my report on XX/XX/2021 it appears on my XXXX credit report
Product: Debt collection

I contacted XXXX XXXX XXXX  via mail in reference to an account I saw listed on my credit report however I never received a response after several attempts. It also seems that the original account XXXX XXXX is still reporting. I have not received any letters from these creditors or a response from them regarding these accounts.
Product: Credit card

In XXXX XXXX XXXX I made an online purchase for {$580.00} with Merchant, XXXX upon receiving the order confirmation I noticed it had my old shipping address. I contacted the merchant for days and their Customer Service line said to email in they were not taking calls due to the holiday season I emailed in and by the thine the Merchant responded the package shipping could not be changed. They apologized and said they would make sure it did not ship and once it was back in warehouse issue my refund. They also offered me a 10 % discount on future orders for my inconvenience. I am not sure if they did what they were supposed to because they never followed through on the credit and Goldman Sachs Apple the card I used, I have disputed 7xs they keep closing the dispute in favor of the merchant. Saying it was delivered to the address on the order. I have submitted Goldman Sachs the email conversation where the merchant I interacted and the response in which they informed me they would get the package and apologized for the delay in my response. Now if the merchant didnt do as they said and it was delivered to my old address taht I moved why didnt they go back and get the receipt a package? Why I am responsible for this when I made every effort to get it to me and once I interacted with merchant I was assured they would do their part. I tried calling the merchant since Goldman Sachs is doing nothing for me and they said the financial institution, Goldman Sachs has to dispute it because it is over 90 days.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 16666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt or credit management

I have unsubscribed many times to stop the emails, but they continue to send them, almost daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your account without my written instructions. 
XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX XXXX  XXXX account number XXXX XXXX XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An account with XXXX XXXX XXXX is listed on my credit report. 

Pursuant to FCRA section 609 A1 I hereby request all information on file concerning this account including original application with my signature
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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX  XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 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: Money transfer, virtual currency, or money service

In the early hours of the morning of Saturday, XX/XX/2022, my XXXX son was blackmailed into sending money to a stranger. The scammer was relentless, demanding XXXX separate payments of {$300.00}, {$400.00}, and {$500.00} via Chase and XXXX ( {$1200.00} total ). He gave my son the email address XXXX for payments. At that point, my son enlisted my help to stop the scammer 's escalating demands. He blocked the scammer on social media, and I called Chase to report the fraud right then, at XXXX XXXX. No one was available to take the call. 

I called back at XXXXXXXX XXXX. and spoke with a Chase representative, XXXX, for XXXX minutes. I told her what had happened, and she informed me that she couldn't cancel the payments because they had already been delivered ( even though they were still marked " pending '' ). She would note that I called, and make a courtesy recovery for the purpose of filing a claim with XXXX. They would reach out to XXXX, but, she said that when it comes to personally initiated transactions, there was no guarantee of recovered funds. If we did get the courtesy recovery of funds, it would be from Chase. But she wanted to set my expectations that there was no guarantee of that happening. She also said they would flag XXXX, a Chase customer, to ensure he doesn't blackmail other people ( I gave her the email address we had ). 

On Thursday, XX/XX/XXXX, my son received an email from Chase dated XX/XX/XXXX, saying, " Thank you for contacting us about the transaction ( s ) on your account. Here 's what you should know : As we discussed and agreed, no action will be taken.This inquiry is now resolved. '' I have attached the letter for your perusal. 

I did not agree that no action would be taken. I listened to XXXX, but I did not agree nor consent to the matter being resolved.
Product: Debt collection

LVNV Funding XXXX. XXXX  XXXX XXXX, SC XXXX Date : XX/XX/XXXX Re : Account Number:XXXX This letter is in response to your credit report entry on XX/XX/XXXX related to the debt referenced above. Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below. 

I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. I have disputed this account for three years, I have requested proof of debt a sign contract regarding this card belongs to me with the date of the contract. LVNV Funding LLC has been unable to provide a sign contract to me. I have received multiply times a copy of a statement from XXXX XXXX dated XX/XX/XXXX. This statement is not proof of debt. ( Please send sign contract ) I have contacted your location and been advised that LVNV is not the owners of this account. Due to not getting the credit record removed, I will have to report this account to the XXXX  XXXX XXXX XXXX as fraud as well to all reporting agencies. Further reporting of this account on my credit file will lead to legal action. 

As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. If I do not receive your postmarked response within 15 days, I am request full verification of this debt and ownership of account along with the transaction report of how much LVNV bought this account for.
Product: Credit card or prepaid card

I don't know how XXXX XXXX can live with its self the way you handle your business. For 17 months this bank has charged me finance charge of {$38.00} starting XX/XX/18 plus a late fee starting XX/XX/18 which is {$78.00} per month for now 10 months which is currently {$780.00} dollars of the balance {$1800.00}. I have contacted this XXXX   XXXX  to discuss the following ; Please remove these charges which I feel are not being considerate to the true balance {$1000.00}. which I can be prepared to pay truly. I discussed this in great detail online and over the phone and have been treated POORLY per my request to remove these absurd charges and be considerate to my plea. I am going to bring this information to The XXXX XXXX XXXX, The Attorney General and the local paper in XXXX XXXX Florida in the hopes some other individual will learn not to become prey to the likes of XXXX. Again, I have asked this absurd bank to remove these charges and work with me on the balance owed and the only offer was one late payment will be removed and the terms and considerations are mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX ( Original Creditor : 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: Checking or savings account

I am filing a complaint with CFPB regarding Capital One 's failure to deposit or give me access to my direct deposit fron my employer. Capital One has XXXX XXXX XXXX, which may violate The Electronic Fund s Transfer Act ( EFTA ) I am really concern ; and need your assistance to investigate and help us resolve this issue.
Product: Mortgage

Below is information that I have been able to gather from PennyMac my mortgage servicer. I have been in a continual battle with them trying to get reliable customer service from them. This has been a difficult task, my tax exemption was approved back in XXXX XX/XX/XXXX, but it has taking three going on four months to get my full refund back from PennyMac my mortgage company. So far I have only received a partial refund of taxes collected about {$650.00} in XX/XX/XXXX. The remaining balance appears to be on loan to PennyMac. Additional there is the matter of my Homeowners Insurance, paid in full by me on XX/XX/XXXX but PennyMac is collecting escrow from me for this same policy. Again, this policy is paid in full so why is PennyMac insist on setting asides funds from my Mortgage payment for insurance which I already have. Its been three months and I still have not received the remaining balance {$540.00}. 

PennyMac claims to be accountable, reliable, and Ethical, they claim Customers First, care and win together, and do whats right. Its never wrong. So why is it that none of my customers request are being handled timely, why is PennyMac holding onto my money? Whats so ethical about this way of doing business. 
I am not sure if any of these actions fall under the predatory lending practice or some other regulatory ruling, but I just want to be treated fairly and I want my money returned to me. 
{$110.00} + {$540.00} = {$660.00} is what I am owed since you have my bank account wiring the funds back to me should be easy.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - XXXX. Court, ( XXXX California XXXX ) ; you XXXX be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts XXXX in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of XXXX accounts. I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT XXXX provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT XXXX & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT XXXX ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you XXXX be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Debt collection

XXXX XXXX XXXX Receivables Management Partners LLC XXXX. 
I was receiving phone calls everyday from this company regarding a debt owed almost XXXX or XXXX  times a day and I never knew who they were calling for and ignored the recorded messages that were left because I couldn't think of any debt I had which could of possibly been outstanding and not taken care of not to mention scams that are on the rise. I finally called to find out more information and they transferred me to someone who said that the debt was for a medical bill from my daughter. I am the one who holds the insurance and never received anything from anyone regarding this debt even from the medical facility there claiming the debt is from. This is not the first time this has happened with this company. They never send any correspondence regarding anything unless you request this from them and that's what I did to find out exactly when this debt occurred and from where and what company. They should not have the right to put anything on a credit report without first sending something to the consumer regarding the debt and the rights you have as a consumer. I told them I do not want this reported on my credit report until I have time to investigate this and something in writing from them regarding this debt they claim I owe. They should be held liable for misinforming you as a consumer.
Product: Student loan

Re : Sallie Mae Loan # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have a private parent student loan w/XXXX. However, during the national pandemic when it was announced that ALL student debt, rent etc -- payments was put on hold, mine was also. Unfortunately, when it came time to resume payments ; I began paying my " contractual agreement '' amount but XXXX  representatives tried to bully me into paying " double '' my original agreement amount giving some reason that I don't understand. I filed a complaint w/XXXX XXXX office ( see # about ) ; and I received an email from XXXX XXXX from the AG 's office stating XXXX  is in a Nation wide settlement w/XXXX being the administrator due to XXXX  's scrupulous student loan practices. When I went to the website to apply for the settlement, I never heard anything back ; when I recently went on their website & it's not working. However, the entire time I was trying to stop XXXX  from sending my loan into 'default ' ( while still paying contractual agreed amount ) the XXXX  reps intentionally failed to tell me about XXXX  XXXX multistate settlement. The interest rate on my now parent loan when it was in forbearance is high ; & I'm still being bullied by XXXX  and the balance on this loan isn't going down. When you try to go on the XXXX site now, there's no way to ck on status of the settlement. 

FYI : I HAVE FILE NUMEROUS COMPLAINTS W/CFPB & YOU PEOPLE ARE REALLY A WASTE OF TIME! THE FOUNDER OF THIS SITE MUST HAVE STRONG POLITICAL TIES TO ALLOW THIS COMPANY TO BE ESTABLISHED! YOU PEOPLE GET A RESPONSE FROM THE 'OTHERSIDE ' & NOTHING ELSE HAPPENS CFPB IS XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau Subject : Complaint Regarding Reinsertion of Previously Deleted Information in Credit Report Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint regarding the reinsertion of information that was previously deleted from my credit report. This action violates Section 611 ( B ) of the Fair Credit Reporting Act ( FCRA ), which clearly outlines the procedures and requirements for such reinsertion.

Details of the Complaint : - **Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Social Security Number ( last four digits ) : ** XXXX - **Address : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX **Background : ** On XX/XX/XXXX, EQUIFAX deleted the following information from my credit report : DELETED. This deletion was based on this item was removed from your credit report. Please review your report for the details...

**Reinsertion Incident : ** Despite the clear provisions under Section 611 ( B ) of the FCRA , which require a creditor or information furnisher to notify me in writing of their intent to reinsert any deleted information, I recently discovered that EQUIFAX has reinserted the previously deleted information mentioned above. However, I did not receive any prior written notice regarding this reinsertion.

**Impact : ** This reinsertion has adversely affected my credit standing and financial reputation. It has potentially harmed my ability to obtain favorable terms on loans, credit cards, and other financial products.

**Request for Resolution : ** In accordance with the FCRA, I request the following actions to be taken : 1. Conduct a thorough investigation into the reinsertion of the deleted information in my credit report.

2. Ensure that [ XXXX XXXX XXXX XXXX ] complies with the notification requirements outlined in Section 611 ( B ) of the FCRA.

3. Correct my credit report by removing the reinserted information promptly.

**Supporting Documents : ** Enclosed with this complaint are copies of relevant documents, including : - Copies of correspondence with EQUIFAX regarding the original deletion.

- Copies of my current credit reports highlighting the reinserted information.

- Any other supporting documents deemed necessary to investigate this matter.

**Contact Information : ** Please feel free to contact me at the above address or by phone at XXXX should you require any further information or clarification regarding this complaint.

I appreciate your prompt attention to this matter and look forward to your swift resolution. Thank you for your assistance in protecting consumer rights under the FCRA.

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

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding inaccurate information on my credit report. Despite several attempts to have this information removed, the three credit bureaus have failed to take appropriate action. 

Due to multiple data breaches that occurred in recent years, I have become a victim of identity theft. As a result, I was forced to file for bankruptcy because I became responsible for debt that was not mine. I have made numerous attempts to have the inaccurate information removed from my credit report, but to no avail. 

I have reached out to all three credit bureaus and provided them with the necessary documentation to support my claim of identity theft. However, the bureaus have failed to take appropriate action and have not removed the inaccurate information from my credit report. 

This inaccurate information on my credit report has caused me significant financial and emotional stress. It has affected my ability to obtain credit, secure employment, and has negatively impacted my overall credit score. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that the credit bureaus correct the inaccurate information on my credit report. I would also appreciate your assistance in ensuring that this type of situation does not happen to other consumers. 

Thank you for your attention to this matter. 

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

There are 4 accounts showing on my Transunion credit report. The account numbers are : XXXX, XXXX, XXXX, XXXX. First and foremost, these accounts are Fraudulent accounts. Second, Transunion is reporting one of the 4 Fraudulent accounts as Open when it has been Charged Off. Per the information from XXXX, the 4 accounts were charged off XXXX. Third, Transunion is allowing XXXX to change dates on the account and change the account history in order to Re-Age the accounts and also Reset the Statue of Limitations. Each creditor signs a contract with Transunion where the creditor promises through this contract that they will report accurate information to the credit reporting agency. However, neither XXXX nor Transunion are abiding by the contract nor being truthful. These accounts are continuing to be reported and they are Fraudulent. XXXX is deliberately attempting to Re-Age these accounts and also Reset the Statue of Limitations. Transunion is allowing this violation of the FCRA an FTC to happen. This is  Illegal and therefore should on so many grounds be removed from my credit report Immediately. I have attached copies of my credit report from different dates showing how Transunion has allowed XXXX to Re-Age and Rest the Statue of Limitations on these accounts.