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

Fair Credit Reporting Act 15 USC1681 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 Experian are consumer reporting agencies, they have gone against their grave responsibilities, I am the Consumer. I have the right to make sure my private information isn't shared 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.

15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 


15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

XXXX and Experian are not " maintaining reasonable procedures ''. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Complaint : Experian, XXXX, and XXXX XXXX. 

I feel frustrated, helpless, and wronged. Experian, XXXX, and XXXX are violating my rights and causing me emotional and financial harm. They are ignoring their legal responsibilities to ensure my credit file is accurate.

1. They failed to validate debts for late payments and collections within the required 30 days.

2. They ignored my disputes about unauthorized hard inquiries unrelated to any accounts.

3. They left inaccurate late payments, charge-offs, and collections on my report without properly investigating. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ). Their negligence is costing me financially, tarnishing my reputation, and causing me deep mental distress. 

I need action now. Investigate Experian, XXXX, and XXXX immediately. Demand they remove and/or correct the inaccurate information. Protect families like mine from these harmful and deceptive practices. 

Thank you for standing up for consumers. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Dear Sir/ Madam, I am a chase ultimate rewards customers. I used the pointed accrued to purchase XXXX XXXX Once I ordered, I came to know that XXXX product will be delivered only after 6 weeks. Since I was having a plan to travel to my home country, I called chase ultimate rewards and cancelled the order immediately. 

I bought another XXXX and took to my home country. While I was in vacation, I saw the order which was earlier cancelled through chase ultimate rewards delivery notification. I tried to hold the product in XXXX so that the product can be sent back to chase. However, unfortunately the product was kept in XXXX for a month and my friend picked up on behalf of me. I called chase and told the situation. Though my product received time was less than 15 days, chase considered the time they shipped and didn't take the product back. 
As well as they said they don't have any proof of my cancellation call log for the product. I was really shocked and unsatisfied with the service. Please help to resolve and get my points back
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am not responsible for this debt, nor do I have an agreement with you. In addition, you are not authorized to collect in my state.
Product: Credit reporting or other personal consumer reports

The following accounts on my transunion credit report are inaccurate. I have filed an identity theft affidavit. The accounts are the following : XXXX XXXX XXXXXXXX opened on XX/XX/XXXX, another loan from the same place opened on XXXX XXXX. Another student loan opened on XX/XX/XXXX. All of these hard inquires are not mine : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I the attempt to get my credit score up and repair my credit rating I have attempted to acquire a personal loan to take care of an old debt that is in collections. I paid off my vehicle note in an attempt to increase the score that was hovering around the XXXX mark and reduced any current card usage. XXXX XXXX and XXXX score today went to XXXX which is helpful but Experian has lowered my score to XXXX. I call Experian at XXXX on XX/XX/22 to see why it is such a huge difference and they actually lowered my score upon paying off my vehicle loan and they only tell me it is due to the way their XXXX scoring model works. How are they allowed to use a model that is so different than the other credit reporting agencies? They is a XXXX point difference. This has done more damage to my credit score and I will not be able to get the funds I am needing to try and clear up the issue with the collection account. I feel I as a consumer have been robbed by them with this action. If i needed to get a home or even a new job at this time and they run a credit report I am just out of luck at this point. This does not seem to be fair or even legal. What can myself or anyone else do about this.
Product: Credit reporting or other personal consumer reports

This account that I have with this credit card company was a pay to delete account that i requested and also upheld my end of the arrangement by paying off in full over two years ago in counting. Not only did the credit company update the account as paid and closed they DID NOT remove this account off NONE of my three credit profiles with XXXX, XXXX and XXXX and this account was also charged off meaning they were made twice for this account, once by me and the other by IRS. I also never received my 1099 in the mail for this debt that has been paid twice for this account XXXX that has been paid for already. 
In According with the Fair Credit Reporting Act the following companies previously listed above has violated my rights. 15 USC 1681-602A states I have right to privacy. 15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

My mortgage was recently sold to CMC Funding, held by Specialized Loan Servicing Holdings LLC. No paperwork has been sent to me even identifying my new loan number, let alone what my monthly payment amount is. In the first month, I was able to connect by phone after 15 days, during which the company was simply unavailable via phone or web. I made my mortgage payment via phone, and was promised paperwork. Still with no paperwork other than a legal boilerplate document stating the name of the new loan processor ( still no loan number or amount ). I have now tried via both web ( where I must have my loan number to set up an account ) and phone ( where I have been placed in a queue and told that I would receive a callback within 24 hours ) for days, and can not get through to this company. I can not pay my mortgage, don't know my loan number and have no recourse whatsoever. This is intolerable.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my most recent credit report, ONEMAIN is currently reporting to XXXX that I applied for credit/loan with their organization on XX/XX/XXXX. I did not grant you authorization to review my credit report, nor did I apply for credit or a loan. This will be the XXXX time, I have reached out to you to inform you of this. I reached out via us mail on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND NOW ON XX/XX/XXXX. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found, please remove the inquiry from XXXX credit bureau. The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Experian and XXXX about the wrong addresses reporting to my credit report. 

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

XXXX XXXXXXXX obtained unauthorized copy of my credit report and hit my credit report with hard inquiry which affected my credit score tremendously.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation of the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against TRANSUNION regarding the inaccurate information reported in my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XXXX XX/XX/year> of Credit Report, I discovered discrepancies in the following account ( s ) : Account Name : XXXX Account Number : XXXX Disputed Information : Inaccuracies, account number is reported as incomplete, high balance is reported differently in the credit agencies, date of last activity, last payment, and credit. 

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
2. Section 611 : Right to dispute inaccuracies and request investigation. 
3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 
4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, TRANSUNION has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted on my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting or other personal consumer reports

Back in XXXX, I submitted a claim regarding my XXXX XXXX XXXX XXXX XX/XX/XXXXWe are all aware of XXXX violation of FCRA -this loaned was opened in XX/XX/XXXX. Inaccurate payment statuses appear on my credit reports. Experian XXXX XXXX reflects 60days past due but the account was paid off. I've expressed to XXXX that from me submitting a claim to the CFPB in XXXX that my payment history prior to that reflects not reported. During their lawsuit my account was temporarily removed from my credit report. They're inconsistencies in the 30/60 day payments, last activity, closed date, etc. These inconsistencies are negatively affecting my credit score. I am requesting that this account be removed from all credit reports.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal laws and my rights as a consumer.
Product: Checking or savings account

Im filling a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Mortgage

PennyMac has been the loan servicer on my mortgage since XX/XX/XXXX. I set my account to receive automated email notices of my monthly statement and receipt of my monthly payment as I am enrolled in autopay. I did this for convenience and given the very bad customer reviews online for PennyMac, I wanted as little contact as possible with this company and wanted avoid any problems since they struck me as an untrustworthy and sleazy outfit. I had been receiving the monthly notices to my inbox without any issues until around XX/XX/XXXX. On or about XX/XX/XXXX, I received a barrage of solicitation telephone calls on my mobile and work numbers from PennyMac trying to get me to refinance my mortgage. I requested to be removed from the call list both to the callers and to customer service to no avail. I filed a complaint with the CFPB in XX/XX/XXXX to stop the telephone solicitations. I received a letter from XXXX XXXX of PennyMac dated XX/XX/XXXX stating that " stops have been placed on your loan to prevent any further solicitation calls ''. Thereafter, I no longer received the automated email notices of my monthly statement and receipt of monthly payment. After many calls to customer service and resets to my account settings, I now receive only email notices of my monthly statement. I called Ms. XXXX  on XX/XX/XXXX and left a voicemail to discuss. She never returned my call. In her letter of XX/XX/XXXX, she suggested that I check my spam folder. I check it daily and there was no email notice of receipt of my monthly payment. Her suggestion that I contact XXXX  to resolve the issue is ridiculous. Further, her suggestion that I go online and log into my account each month to confirm payment has been received is a waste of my time. I plan on keeping the mortgage for at least another 12 years, which would equate to 24 hours of my life for something that would take a second to see in my inbox. In my opinion, PennyMac caused the issue back in XX/XX/XXXX and they need to fix it. Since I am enrolled in autopay, I need confirmation that my payment has been received. If there were some issue, I would have a late payment on my credit report and be subject to a late payment penalty. Even though this is America and land of the free, I am not permitted to choose my loan servicer. The only way I would be able to resolve the issue is to pay off the mortgage to rid myself of PennyMac.
Product: Debt collection

I had a credit line with XXXX XXXX XXXX ( https : //XXXX  ). I enrolled the balance into a debt relief program New Direction ( https : //nddebtrelief.com ) which forced the debt to go into collection and later on sold to XXXX XXXX XXXX - XXXX XXXX XXXX. New Direction has reached a settlement a agreement with XXXX and the agreed amount was settled and paid. All my credit bureau reports still reflect the derogatory remark and indicate the balance is still in collection. I contacted XXXX  and they asked for New Direction to contact XXXX XXXX XXXX at ( XXXX ). I contacted New Direction but they refused to act on my behalf due to my graduation of the program and no longer being a client of theirs. They supplemented me with the settlement letter as an evidence that was issued through XXXX XXXX. Shortly after, XXXX XXXX XXXX called my cellphone in an attempt to collect the full outstanding balance ( pre-settlement agreement amount ) on behalf of XXXX. I explained the situation and they provided me with an email to which they asked to send the settlement letter ( XXXX ) which I have done almost a month and a half ago with no response. The derogatory remark and the incorrect outstanding balance are still reflected on my credit reports and significantly impacting my score negatively. I have opened a CFPB complaint and all involved party have responded inadequately and the issue is still unresolved. As it stands now, one or more of the involved parties have conspired to pocket my payment towards the debt settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

The vehicle was unlawfully repossessed, unfortunately we didn't realize this until it was too late. They repossessed the vehicle prematurely and then sold for more than what we owed. They sent a letter stating we owed an additional XXXX dollars, when they sold the vehicle for XXXX. When you add the itemized items on the Auction sale statement they calculate out to a balance left of {$28000.00}. With our remaining balance of {$28000.00}, which is also listed on the same statement, it shows they owe us XXXX. Yet they claim it as a debt we owe them, which is incorrect. They refuse to correct this, or remove it from my report.
Product: Credit reporting or other personal consumer reports

Consumer Name ( XXXX XXXX ) Consumer Social Security Number : ( XXXX ) Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ) that you, the XXXX, Experian XXXX XXXX XXXX reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 7 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and traud. These fraudulent accounts consist of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

l was taken advantage of due to malpractice while several laws were been broken under the FCRA law by company. This is causing financial injure, deformation of character. l can not get a job and can not even apply for credit card. l can not qualify for SDA loan as well. This has put me in a tight financial situation, making it hard for me to afford some basic staffs.

l want all negative items be removed or deleted from my credit because you are in direct violation of FCRA LAWS. 
I demand that all these negative items be removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my dispute letters to Experian over 30 days ago. This company has failed to respond which is a violation of the fair debt collection practices act. I also did not give this company my written consent to furnish these negative accounts on my credit profile. This a violation. I am entitled to {$1000.00} per violation.