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 consumers right to privacy. '' XXXX and XXXX 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 XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( 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 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 XXXX 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. 

THEY ARE VIOLATION OF RIGHTS AND COMMITTING FRAUD. I NEVER OWED THEM XXXX. THIS IS FRAUD AND SLANDER
Product: Mortgage

I already have filed    one compl aint with Santander, that is case number  XXXX . This is additional information that I was told to add by the cfpb as another complaint. The issue we are arguing about is Santander 's interpretation of ou r credit score.  The report that we get from the credit agencies is very different than what "  XXXX , ''  Santander  's source, uses, resulting in a lower  credit score  ( and therefore higher rate for us  ) . Now, we have just received new updated credit scores which are still higher than   XXXX   but have lowered BECAUSE SANTANDER HARD PULLED OUR CREDIT  THREE TIMES in under a month period. They pull our credit three tim es, it lowers our score, and we get a higher rate? So  Santander  is effectively forcing us into a higher rate themselves. Which should be illegal. Additionally, one of the statements on their  ( Santander 's )  credit report, which again does not come from the big  XXXX , states that I,  XXXX , have my score adversely affected be ause " length of time accounts have been established. '' My most recent account was established i n  2008. T  hat 's  nine yea rs! How long do they want? Also a detriment : '' length of time since derogatory public record or collection is too short. '' What does that even mean? I had a collection go on. I paid it immediately. PS, the people trying to collect were actually sending things to the wrong address, as evidenced on my credit report.  XXXX   XXXX   XXXX   An  address at which I have never lived. So Santander, again, wants to make more money on consumer loans, and so does their own detrimental workings against consumers, which is completely unfair and should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, 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 an 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: Vehicle loan or lease

Wells Fargo took advantage of me with my loan for my car. It also charged me fees in my checking account. I had many issues with Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

N Accordance with the fair credit reporting XXXX XXXX Account number XXXX, Has violated my rights. 
N Accordance with the fair credit reporting XXXX  XXXX Account number XXXX, Has violated my rights. 
N Accordance with the fair credit reporting XXXX XXXX Account number XXXX, Has violated my rights. 
N Accordance with the fair credit reporting XXXX XXXX Account number 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

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Collection Creditor : XXXX XXXX Original creditor name : XXXXXXXX XXXX XXXX  ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : Online In Sv Original creditor name : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I ordered a dress from Saks Fifth Avenue on XX/XX/XXXX in Order # XXXX. The dress never arrived, and the XXXX tracking showed that it was returned to sender, Saks Fifth Avenue. However, as of today, XX/XX/XXXX, I have not received a refund. I've called XXXX twice to address this issue, but no refund is forthcoming, despite the fact that XXXX has access to the same. XXXX tracking information showing that the dress was ( a ) never delivered to me and ( b ) returned to XXXX. ( Link to tracking info : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Today, I spoke with an employee named " XXXX, '' whose employee number is XXXX. She refused to issue me a refund and refused to connect me with a manager. 

XXXX has been holding my money for over a month without delivering any product, knowing that the product was not even going to be delivered as XXXX had returned the item to XXXX.
Product: Money transfer, virtual currency, or money service

i was stolen XXXX from my cashapp account. when i add money to my account it will be gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon a review of my credit reports with XXXX, Experian, and XXXX, I noticed a derogatory tradeline that I did not recognize from XXXX XXXX XXXX. I sent a request to investigate to XXXX on XXXXXXXX  containing the FTC Identity Theft report and CMPD Incident report pertaining to this account, as I believed that I was a victim of identity theft. I received XXXX letters from XXXX postmarked XX/XX/ stating that their investigation for unauthorized activity on a XXXX XXXX account in your name showed that we identified payments made on the account and we were unable to find evidence of unauthorized activity. I sent another letter requesting all documents related to this account ( original application with my signature, proof of deliver of any items ordered, and proof that payments were made on the account ) on XX/XX/XXXX  This letter was delivered on XX/XX/. Disputes filed with XXXX, XXXX, and Experian all came back as " verified as accurate ''. I received a letter from XXXX on XXXXXXXX  dated XXXX that is IDENTICAL to the two letters received previously. As XXXX claims that I purchased items with this account and made payments on it, and that those reasons caused them to determine that this account was mine, I requested evidence of the orders made, proof of delivery, and documentation of any payments made on this account. This request has clearly been ignored in order to mail a generic, cookie-cutter letter in an attempt to stall me. If this matter is not resolved soon, I will be seeking legal remedies.
Product: Debt collection

They failed to provide me with any documentation bearing my signature, showing the account is being reported accurately or any copies of HIPAA authorization. An itemized document was send to me that does not match any amount billed for my hospital visit and even the name of the supposed original creditor was misspelled I have also verified with the hospital that my account is current and in good standing. I feel as though several violations have occurred here : 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 ). Given all the complaints on XXXX about this company, this appears to be a scam..
Product: Debt collection

So basically, they sent my information to third parties who were never authorized or allowed to have my financial information, and I had never worked for. 

I do owe the debt, but the contesting means is due to how they went about business, as well as the fact they went to a court without any notification at all and just showed up with a garnishment. 

And now their lawfirm XXXX XXXX, XXXX  XXXX XXXX. has the case, for which they deliberately refused to accept payment over the phone even when I had the entire balance in whole at the time. 

Refusing to take payment over the phone, and the online credit card system that they have would not accept my cards.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Please see attacheasfd documents. Do not close this complaint stating it is not me. I am a natural person and a consasfumer.
Product: Mortgage

Hello, after repeated attempts and interminable phone tree choices I have been assured that " the check is in the mail ''. 
I am to please understand that up to seven working days are needed to allow the check to arrive. 
the last check sent to to me by Nationstar actually bounced a week after depositing it in my checking account. 
I repaid my loan in full via electronic funds transfer on XXXX/XXXX/15. It is XXXX/XXXX/15 today. 
it seems like there are XXXX very distinct sets of rules here. XXXX set for me as the borrower with strict timelines and harsh consequences. 
and basically no rules at all and with no consequences for Nationstar. 
I would like to speak to a representative from your department at earliest opportunity. 
Thanks, XXXX XXXX
Product: Student loan

CFPB, Navient has been charging interest on payments I have been applying to my principal during the National Emergency Forbearance .... 

thanx XXXX XXXX
Product: Credit card or prepaid card

Dear Consumer Financial Protection Bureau, Citicard failed to recognize dozens of obviously fraudulent charges on my account during a period in which I was traveling or preparing to travel abroad. These charges were from XXXX XXXX XXXX , California . I have never heard of this company, have never used this company, and did not live in or travel to California during this period. When I returned from my trip, the week of XX/XX/XXXX I checked my credit card statement and noticed dozens of identical fraudulent charges from XXXX XXXX XXXX , California . I called Citicard 's fraud department immediately and alerted them to the many fraudulent charges and Citicard said they would file a dispute claim and look into it immediately. They also said they would cancel the card and issue me a new one. When the new one arrived, the same fraud continued. Citicard actually caught it this time and called to alert me. When I spoke to their fraud department, I confirmed that the charges from XXXX XXXX XXXX were entirely fraudulent. Citicard confirmed they would file a dispute claim and look into it. I inquired about the status of refunding the money from the fraud on my original Citicard and they said they were looking into it. 
The total amount of fraudulent XXXX XXXX XXXX XXXX at this point totaled : {$8700.00} ( see attached itemized accounting ). 

In early XXXX, I received a letter in the mail from Citicard saying they had resolved the dispute and would not be refunding me anything. I immediately called their fraud department to complain, and they asked me not to worry, they would take care of the fraudulent charges and reopen my case to do so. 

On XX/XX/XXXX, I received an online message from Citicard that my dispute had been resolved ... and they were issuing me a refund of {$7.00} for a XX/XX/XXXX XXXX  XXXX XXXX transaction ( see attached letter ). On XX/XX/XXXX, I received a second online message from Citicard that my dispute have been resolved ... and they were issuing me a refund for {$7.00} for a XX/XX/XXXX XXXX XXXXXXXX XXXX transaction ( see attached letter ). 

As you can see from the itemized fraud tracking below, this refund of {$14.00} represents .017 % of the {$8700.00} I was frauded by XXXX XXXX XXXX . This is beyond unacceptable -. Their fraud department belatedly recognized this fraud and is now refusing to refund my money. Citicard needs to refund the entire {$8700.00} immediately and should be sanctioned for such poor behavior. 

Sincerely, XXXX XXXX
Product: Credit reporting

On XXXX XXXX, 2016 I sent my third and final request to Experian for a Security Freeze, along with the letter I send a copy of my drivers license, social security card, police report and proof of address ; per the certified mailing receipt Experian received my request on XXXX XXXX, 2016. To date I have yet to receive a confirmation letter form Experian stating they have placed the Security Freeze on my credit file along with my PIN number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX my Mortgage to XXXX XXXX XXXX  XX/XX/XXXX, While we had completed all documentation and agreement for the allowed Forbearance to be Deferred and restart of existing Mortgage Payments. XXXX DID not report any Delinquency or Default. Once I was notified, I started to contact XXXX a few days per week to find out what was going on and to ensure everything already agreed with XXXX XXXX was to continue. Every call was met with " we do not have the paperwork, an account has not been created, please call back. Eventually approx XX/XX/XXXX I was able to speak with an agent at XXXX who advised they had paperwork, however I had to fill out THEIR XXXX upload to them. In the meantime I started to receive MAIL dated from the beginning of XX/XX/XXXX, that our Mortgage was Delinquent and threatening Foreclosure. I hired XXXX XXXX XXXX to STOP this misinformation and actions, and XXXX were advised that XXXX XXXX XXXX rules and regulations were to be followed and that they also had to abide by my application with XXXX XXXX XXXX XXXX then started a Trial Payment plan of 3 months, XXXX, XXXX, XXXX, which we completed on Time. XXXX account on the portal shows a REPAYMENT PROGRAM and BALANCE and NOT the Trial Payment Plan, and ALSO not the agreed Mortgage terms as signed notarized and returned VIA XXXX XXXXXX/XX/XXXX. XXXX reported to all Credit Agencies we were delinquent 180 days, IN XX/XX/XXXX. They did not own the loan during the forbearance, nor had any payments with XXXX been set up until AFTER legal services intervened. They have also reported that my XXXX payments made on time are paid, unpaid, no details. Have since signed mortgage agreement to continue original Mortgage, HOWEVER statement received today XX/XX/XXXX shows the Repayment Program NOT the Return to Mortgage Payments due to start XX/XX/XXXX. Due to this, Both Mine and My Wife 's credit scores with the agencies dropped XXXX point each. We have BOTH disputed to XXXX, XXXX, XXXX, and it appears that nothing is being done. I have screenshots, letters, documentation to prove that XXXX are STILL intentionally not fullfilling the process in a timely manner and due to the Credit Score Drop, we Have Creditors, now limiting our ability to get consolidation loan, pay bills, and no real resolution with both XXXX and with the three agencies. Already stretched financially by having to retain legaal services, XXXX has stated that since XXXX did not Authorize my payment to them, they are suspending our account and Legal Services. We have followed all instructions, advice and Guidance to no avail. XXXX are the Cause, XXXX is unable to ensure proper business practice of XXXX, and now we are financially unable to pay for Legal Services or anything while the disputes with credit agencies are still open or not resolved to truthful satisfaction.
Product: Credit reporting

XXXX XXXX account status is showing on my credit as ''type '' is showing as Open this account is showing incorrect and needs to show closed. It was discharged in a CHXXXXBK as of XXXX/XXXX/16. The only thing showing correct is the balance, showing XXXX, but this is causing my credit score to be lower.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX Last 4 of SSN : XXXX XX/XX/XXXX SUBJECT : INACCURATE CREDIT PROFILE INFORMATION EXETER FINANCE , LLC . 

To Whom It May Concern : I just reviewed a detailed copy of my credit report and noticed several inaccurate items being reported. An inaccurate account is being reported on my credit profile under the " Account History '' section, and my rights to report fair and accurate credit are being violated. Payment status is Charged Off/Profit Write Off ; however, I have not received a 1099 tax form from this company for said account.

The specific inaccuracies include, but are not limited to : 1. Incorrect Dates : The dates associated with this account are inaccurate.

2. Incorrect Balances : The reported balances do not match my records.

3. Incorrect Payment Status : The payment status is reported inaccurately.

4. Incorrect Past Due Amounts : The past due amounts listed are incorrect.

5. Failure to Provide 1099 for Write-Off : I did not receive a 1099 form for the alleged write-off, which is a legal requirement. These discrepancies are a violation of my rights under the FCRA, which requires that all information reported to credit bureaus be accurate, complete, and verifiable.

Additionally, the failure to provide a 1099 form for the write-off raises concerns about the legality of the reporting. To diminish any speculation of my identity, I have enclosed a copy of my current personal vital and demographic documents, updated/detailed credit report, and to make it easy to correct inaccuracies. Please correct these issues and follow up with me as soon as possible. Thirty ( 30 ) calendar days should be enough time to correct the inaccuracies from my profile, but if you can update me sooner, that would be better. There are 3 ( three ) items listed below : EXETER FINANCE : Account : XXXX -1099 Form Not provided for the charge-off/profit and loss write-off/collection -All reporting dates are reporting inaccurate and on different dates ( open, last reported, last active ) from agencies. 
- All reporting account statuses are inaccurate and reporting different dates from agencies. 
-The number of reported months ( term ), are inaccurate and reporting different information - Comments/Customer Resolution information is inaccurate, and incomplete and different resolutions. 

Very Sincerely, XXXX XXXX
Product: Checking or savings account

I have asked for a letter stating why and to confirm that the pervious accounts that was open did they confirm it was actually myself as i have filed identify fraud and I haven't heard anything back
Product: Credit card or prepaid card

Someone is fraudulently opening credit card accounts under my name with Bank of America. Bank of America is very difficult to work with and they will not remove fraudulent reports on my credit report. I have made reports to the three credit reporting agencies. Bank of America simply replies to a request by verifying that the account was closed but they do not acknowledge proof that I requested the account and they do not direct the credit agencies to remove the fraudulent account information. What options do I have to correct this? Phone calls to Bank of America customer service are almost impossible for getting anywhere with this problem. Any suggestions welcomed. Thank you, XXXX XXXX