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

Under the Fair Credit Reporting Act ( 15 USC 1681 section 602 ( a ) ), it is essential that consumer reporting agencies such as Equifax and XXXX carry out their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I am entitled to ensure the non-disclosure of my private information, as supported by 15 USC 6801, which states that financial institutions, including entities that furnish information to credit agencies, have an obligation to respect customer privacy and protect their nonpublic personal information. 

According to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies like Equifax and XXXX are only allowed to furnish consumer reports when provided with written instructions from the respective consumers. Neither the financial institution furnishing the information nor Equifax and XXXX have obtained my consent or written authorization to furnish my information. Therefore, any consent previously given, whether verbal, non-verbal, written, or implied, to Equifax, XXXX, and the financial institution furnishing the information, is hereby revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) states that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without providing the consumer an explanation of how they can exercise their right to nondisclosure. The financial institution has failed to inform me of my right to exercise this option.

In addition, as per 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including adverse items of information in a consumer report, except for records of convictions of crimes that occurred more than seven years ago, unless authorized under subsection ( b ). The reporting of this account as an adverse item without my permission is a violation of the law.

Moreover, under 15 U.S. Code 1681s2 ( a ) ( 1 ), it is prohibited to furnish any information to a consumer reporting agency if the person knows or reasonably believes the information to be inaccurate. Equifax and XXXX have not maintained reasonable procedures to prevent violations of Section 1681c and limit the furnishing of consumer reports to the purposes listed under Section 1681b.

Finally, according to 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. I am exercising my right to opt out of your reporting services
Product: Checking or savings account

I received an email from American Express inviting me to open a savings account and if I did open it I would receive a {$350.00} incentive if I opened my account with XXXX by XX/XX/2023. I opened the account and have kept the money even past the time that they required, which was 12 weeks and I still havent received any money and they keep fighting me on that. I have the email to prove it. They keep opening cases and giving me case numbers and escalating this problem and nobody wants to fix my problem. I have the email as evidence.
Product: Debt collection

XXXX  XXXX and XXXX was active and should be billed.
Product: Debt collection

This collection is from XXXX. I originally canceled my phone account with them when I switched over to XXXX XXXX XXXX back in XX/XX/XXXX. I thought everything was good to go, but a few months later, I noticed reoccurring charges coming from XXXX, even though I was no longer using their service. I canceled my card so they would stop charging my card and I went into a XXXX store, talked to an employee and they told me that I had to call the customer service number because she could not help me in store. I called the customer service number, was waiting on hold, and on the phone with XXXX Customer Service for multiple hours. After explaining to them what was happening, I kept getting transferred to different people in different departments, and finally I asked if it was possible for them to use the charges from what they've charged me to pay off the phone that was on a lease. She said that she would look into it and have them call me back within 72 hours to tell me if that was possible, but a refund would be issued and my account would be canceled. They could see on their end that I hadn't used my phone accounts with them since XXXX so there should be no charges at all minus the payment of what the rest of the phone would be on the lease, which was still less than they were charging me, so I should have gotten money back. I didn't hear back from XXXX, so I assumed that it was taken care of and my account was canceled. This was back in XX/XX/XXXX. Since then, I have moved to a new address, and did not know they were still charging my account because I was no longer with the company. I recently ( today XX/XX/XXXX ) tried applying for a credit card since my score was a XXXX on XXXX XXXX, and showed 0 hard inquiries and 0 collections. It said my approval odds for the XXXX XXXX XXXX credit card were very good, so I applied and got denied. After this, I immediately called the reconsideration hotline to explain why I wanted the card and that I have great credit and I didn't understand why I didn't get approved. After looking at my full credit report, the agent said that I had a {$610.00} collection, and this was the reason I got denied for the credit card. When she told me this, I had NO idea that I had a collection because I have not received any calls from collection agencies nor any mail delivered to my home showing my collection amount. I had no idea where this collection came from. I made an account with XXXX  today, and I was able to see that the collection came from XXXX which is not what I owe. If anything, they owe me money for billing extra months.
Product: Debt collection

The amount of the debt was extremely escalated. When I asked them to show me proof of the additional amount, they were not able to. I attempted to pay what my lease states that I owe and they completely ignored me. 
The debt in question is a result of normal wear and tear from living in an apartment. Also, there was prior damage when I signed my lease. 
I sent certified letters to all parties trying to resolve this issue. All parties ignored me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX Subject : Dispute of Unauthorized Credit Inquiries Request for Deletion To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries that appear on my credit report. I did not authorize these inquiries, and I am requesting that they be removed immediately. 

The inquiries in question are : XXXX inquiries XXXX XXXX  VIA DEALER ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX VIA DEALER XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize these companies to access my credit information, and as such, these inquiries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request that you investigate these unauthorized inquiries and remove them from my credit report. 

Enclosed is a copy of my credit report with the unauthorized inquiries highlighted for your reference. Please notify me in writing once the inquiries have been removed or if you need further information to process my dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I had a credit card with Bank of America, that was in good standing, then I had a yearly charge for {$25.00} or so, I didn't know it was charged and missed a payment. Then wasn't sure I missed a payment and missed another since I haven't used the card in a while. I paid in full and then there was an interest payment that was {$1.00}. Which caused me to be late again because I thought I paid in full. So then BOA cancelled my card, all of the delinquent payments weren't removed because of an honest mistake and my credit took a massive hit. It's not like I charged thousands of dollars and left town.
Product: Credit reporting or other personal consumer reports

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. Specifically, I wish to dispute this account : XXXX XXXX XXXX XXXX XXXXXXXX. 

The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureau, has already corrected the inaccuracy this account from their records due to an identified error. I am perplexed as to how you have verified this account while the other bureaus have updated it. Therefore, I request that you correct this accounts from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable.
Product: Vehicle loan or lease

I made a payments on XX/XX/XXXX and XX/XX/XXXX and received email confirmation that my payments would be post-effective as of these days. However, the company Kia finance posted my payments that effective as of XX/XX/XXXX and XX/XX/XXXX. When I reached out and spoke with someone in the escalations team by the name of XXXX as well as I spoke with a supervisor by the name of Ever. They refused to escalate my issue to the ombudsman or to do anything to correct the issue of my payments being posted effective as of the date that they are legally required to be posted based on my contract. The supervisor by the name of Ever told me that they would open up a internal ticket but they would not contact me to advise me of what was being done with the internal ticket.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset there are two accounts on my credit report and 3 inquiries that do not belong to me I need these off my credit this is clearly identity theft and nothing is being done buy the bureaus regarding this after sending multiple letters to them. 

XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX  XXXX  XXXX/XXXX - XXXX INQUIRIES Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX 2019
Product: Mortgage

I have never received a statement from Specialized Loan Servicing. They claim to have mailed me statements but they have not. 

I may have missed a payment in XXXX. I never received any notice of a late payment. 

Specialized Loan Servicing has been compounding late fees for months but never send me a statement. They receive my monthly payments but do not notify about the late fees that are increasing each month. 

They had the wrong e mail address. I am not sure if they tried to contact me at the wrong e mail address. 
Specialized Loan Servicing ( before XXXX XXXX ) has NOT send me a statement. NEVER! 

I have an XXXX credit rating. If they has notified me about the late fee or missed payment I would have paid the XXXX but they did not notify me and just keep increasing the late fee amount to {$230.00} I believe they have changed their records to show mailing statement but they have not send any before XX/XX/2023. 

I suspect they send them to the wrong address. About two weeks ago I had them look at my records and they had the wrong e mail and agree they had not sent statements to my home address. Today they told me their records show mailing statement. Changing the records is fraud. 

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

I recently reviewed my credit file for accuracy and asked all three credit bureaus to validate accuracy. After further review, some items were removed off some bureaus but others remain. according the FCRA, all information must be the same on each credit report. If one bureaus finds inaccurate information or delete information it must be shared between all three bureaus. i have provided a copy of the investigation results as well to the bureaus. 

XXXX : XXXX, DELETED by XXXX, remains on XXXX and Equifax XXXX : XXXX, DELETED by Equifax, remains on XXXX and XXXX
Product: Mortgage

I contacted your organization in XXXX 2016 regarding my mortgage with GREENTREE SERVICING/DITECH. Approximately two weeks later I received a MAKING HOMES AFFORDABLE packet to apply for help. This info. was dated XXXX/XXXX/16. The very next day I received a second packet from DITECH stating they received my application and they determined it was INCOMPLETE. They listed what was missing. How is this possible since I had only received my application the day before. So, the next day I received a letter from DITECH stating I was ineligible for their Home Affordable Modification Program because and I quote " WE SERVICE YOUR LOAN ON BEHALF OF AN INVESTOR OR GROUP OF INVESTORS THAT HAS NOT GIVEN US THE CONTRACTUAL AUTHORITY TO MODIFY THE LOAN UNDER HAMP. How many consumers have these same issues with GREENTREE/DITECH? As I reported to you previously, I attempted to get help through this program before and got the runaround from GREENTREE. It was the same scenario then. They said incomplete paperwork etc. Everything was there. I had made copies. I have the letter from them and everything I had sent them. They are the worst. I pay 10 % interest on my mortgage and it is absolutely crippling me. They do nothing but take the money and do n't care about the consumer. HELP. XXXX XXXX
Product: Credit card

My mother has a credit card through Bank of America. She has XXXX and is unable to handle any of her own finances, so I have had legal XXXX of Attorney for her since my father died last year. A few weeks ago, I received a notice from BoA XXXXs Estate Services offering their condolences about her death and requesting a copy of the death certificate. SHE IS NOT DEAD. I have called them twice to try to get them to remove the DEAD status from her record but so far have been unable to. I've been told I either need to bring her in in person, or I need to appear in person myself to be added to her account as PoA. My mother is in no condition mentally or physically to do this, and the nearest branch to me is over 100 miles away. Even though I have provided them a copy of the PoA papers, BoA has continued to state they have no way to resolve this issue remotely, and in order to even get their legal team to review the case and consider waiving this requirement, I must file an additional official complaint with them. After speaking to a BoA manager today, she agreed to file the complaint on my behalf, and said I would hear from their legal team in two days by phone, but there should be no expectation that they will be able to do anything remotely. We have already had bills that were supposed to be charged automatically to the card get rejected, and I am concerned the longer this goes on, there is a possibility that her " death '' will be reported to other financial agencies and Social Security, which will impact her income and ability to get Medicare benefits. I've asked who notified them that she had died, and all they will tell me is it was a third-party institution, not a person, but they will give me no other details.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX Self financial was reported on my credit profile this was fraud and I ask that it be deleted, on XXXX XXXX XXXX  XXXX was fraudulently reported to my credit I asked that it be deleted, On XXXX XXXX XXXX XXXX was fraudulently reported on my credit I asked that it be deleted, On XXXX XXXX XXXX  XXXX was fraudulently reported on my credit I asked that it be deleted immediately, on XXXX XXXX XXXX XXXX bank reported a loan on my credit report this was ident theft I ask that it be deleted immediately, XXXX XXXX XXXX fraudulently reported a secured loan I asked that it be deleted immediately, On XXXX XXXX self fraudulently reported another loan I asked that theirs be deleted immediately, on XXXX XXXX upstart reported a unsecured line of credit this is fraudulent I asked that all these items be deleted from, y credit profile I am not able to get funding and its a defamation of character and I well take legal action .15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a concimelam demanding the deletion of the Accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXXXXXX has placed an outstanding and past due account item on my credit reports and this was done inaccurately and without contacting me. I attended this school up until XXXX. I left the University at the end of XX/XX/XXXXdue to unforeseen circumstances. I was paying for classes with financial aid ( a combination of loans from XXXX XXXX and pell grants ). This combination of funding covered all tuition expenses for XXXX. My issue comes with the fact that I have had NO COMMUNICATION from XX/XX/XXXXto let me know of an outstanding amount owed, no update to my online account, and no notice that my account would be sent to collection or reflect as charged off on my credit files which violates my rights for Fair Credit Reporting. This item is showing on my credit report as a 1 month unsecured installment loan directly through XXXX. Something I would have never signed for or agreed. In XXXX, not too long after my last semester with the school I logged into my student account. Upon checking the amounts and balances owed, I found that it showed a {$0.00} balance. I am requesting to receive validation pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I am requesting that this matter is investigated and the account is deleted from my credit files immediately or provide me with physical proof of a signed contract between me and the XXXX XXXX XXXX for the 1-month unsecured installment loan in the amount of {$950.00} that 's being reflected on my credit report. This negative reporting is a hindrance to me on several aspects and should be removed from my credit reports immediately
Product: Credit reporting or other personal consumer reports

I am submitting a complaint for XXXX for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, XXXX has not fulfilled its legal obligations under the FCRA, including insuring maximum possible accuracy of my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX and conducting a proper reinvestigation to remove the errors within the required 39 day period XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Debt with Nationwide Recovery was discharged earlier this year ( this is in my CFPB file ). The debt was sent to Nationwide Recovery in error by XXXX XXXX XXXX which they admitted to when they discovered that they never filed the insurance claims. I put XXXX and XXXX together on a phone call and this was resolved. The problem here is Nationwide Recovery who were instructed to back off, which they did at the time. Now they are coming at me again and impacting my credit rating. Nationwide Recovery is not operating ethically and I need these folks to clean their records and leave me alone
Product: Payday loan, title loan, or personal loan

Since 2018 with documented certified letters, emails, and voicemails, I have tried to get in contact with Pentagon Federal, and they will not return my calls, emails, or certified letters but keep updated my credit reports inaccurately. I have been trying to pay this debt since 2018 but have no access to their online site, and none will return any of my messages. They should not be updating my credit report if they are just going to keep ignoring the consumer, especially when they are trying to pay the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

For proof of ownership of this account from XXXXXX/XX/XXXX, I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, 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 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

AN UNAUTHORIZED CREDIT INQUIRY SHOWED UP ON MY CREDIT PROFILE FROM XXXX AND I IMMEDIATELY CONTACTED EXPERIAN TO NOTIFY THEM ABOUT THE ISSUE AND THEY REPEATEDLY TOLD ME THAT THEY WOULD NOT DISPUTE THE INACCURACY. I CALLED MULTIPLE TIME AND EACH REPRESENTATIVE IN THE FRAUD DEPARTMENT REFUSED TO HELP ME AND REMOVE THE UNAUTHORIZED INQUIRY ( NAMES OF TWO REPS XXXX, XXXX  ) -TWO REPS REFUSED TO GIVE ME THEIR NAMES AND THE TWO THAT DID WOULD ONLY STATE THEIR FIRST NAME.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information found on my recent credit report, which I discovered on XX/XX/XXXX. Upon review, I found discrepancies in my payment history on certain accounts that violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 USC 1681 Section 604a : Section 2, which states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I was never paid late, the inaccuracies pertain to the following late payments are incorrectly listed on my account. 

XXXX Account Number XXXX XXXX XXXX XXXX Dates : XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX