23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As per the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ) a federally protected consumer, it emphasizes the necessity of ensuring that consumer reporting agencies carry out their responsibilities with fairness and respect for the consumer 's right to privacy. Notably, XXXX and Experian function as consumer reporting agencies, with me being the consumer. I assert my right to safeguard my private information, supported by 15 USC 6801, which states that financial institutions, including furnishers of information to credit agencies, have an ongoing obligation to respect customer privacy and protect the confidentiality of nonpublic personal information. 
Under 15 USC 1681, Section 604, Subsection 2, it is specified that a consumer reporting agency may only furnish a consumer report by the written instructions of the concerned consumer. I am now opting out of all authorization I the consumer may have given written, unwritten, verbal, and nonverbal, for the furnishing of my information by financial institutions or consumer reporting agencies, such as XXXX and Experian. Any consent or authorization given to report my information to a third party is hereby revoked. I am now rescinding that authorization, this is effective immediately and indefinitely. 
Referring to 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party without informing the consumer of their option to exercise nondisclosure. I was not informed of this right by the furnisher of information to credit agencies.

Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse information in a consumer report without authorization, especially information exceeding seven years. The reporting of adverse information without my permission violates this provision.

Per 15 U.S. Code 1681s2 ( A ) ( 1 ) A, no person shall furnish inaccurate information to a consumer reporting agency. Additionally, 15 U.S. Code 1681e mandates consumer reporting agencies to maintain reasonable procedures to avoid violations and restrict the furnishing of consumer reports to specific purposes. XXXX and Experian appear to be non-compliant with these obligations. 
Moreover, 16 CFR 313.1 affirms my right to opt out of reporting services at any time. I am hereby exercising this right and opting out of your reporting services. The law states it is illegal to report my transaction history and ask for the information to be updated to show paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), can you reinvestigate the completeness and accuracy of the list of accounts below : 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
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed these items numerous times already which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. 


XXXXXXXX XXXX XXXX Balance : {$36000.00} Date Opened : XX/XX/XXXX, XXXX XXXX  XXXX : {$1000.00} Date Opened : XX/XX/XXXX
Product: Debt collection

I have people calling my job and making threats. I have asked for them to stop calling and they do n't.
Product: Credit reporting or other personal consumer reports

I recently submitted a complaint to Transunion, Transunion did not remove all fraudulent items. instead Transunion responded that the fraudulent discover bank account was verified. I would like to how is it that a fraudulent account is verified belonging to me when I am stating that I am a victim of identity theft. I did not open up or authorize this fraudulent account. I would like to to know how these fraudulent accounts were verified what day and what method is used to verify these fraudulent accounts that I have stated is it not my account furthermore the following address are not mine either and I do not have any association with the addresses that tranasunion has listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX keeps switching creditors and adding an incorrect debt to my credit reporting. Its resulted in dropped scores and denied financing. When I attempt to resolve, its taken off my report for approximately 15 days or so and then readdressed to a different collection agency. Ive requested a 609 letter info and have yet to receive information.
Product: Credit reporting, credit repair services, or other personal consumer reports

U.S. Bank offered me a settlement on a closed checking account of mine which had a negative balance. The settlement amount was {$270.00} the original amount was XXXX. I paid the settlement amount on XX/XX/2023. I requested a letter confirming that I paid this amount. I received the letter from US BANK which is dated XX/XX/2023. The letter states that the account is considered settled in full and will be reported accordingly and no further balance will be due to U.S BANK which is great for me. Then to my dismay I received a letter from XXXX XXXX stating that I made a partial payment and that a balance of {$400.00} The letter stated the source of the information was from U.S BANK I sent the letter that U.S BANK sent me to XXXX SYSTEMS and called them and they told me they received it but couldn't change the status of the account until they did another investigation and confirmed the validity of the letter I got from U.S.BANK. I called US BANK to ask why my letter says one thing but they are reporting another and the myriad of explanations I got were bizarre. The first representative I got attempted to tell me well it is a partial payment and that what a settlement is, as I argued with this rude young woman and told her the letter that I have says the account is considered settle in full and no balance is owed she hung up on me. Then I spoke with a supervisor who told me they can't control the wording of XXXX XXXX. I asked what was reported to XXXX XXXX and the sup said well we just send them an alert we don't send them letters however the representative I spoke with before said they sent XXXX XXXX the letter so I'm being lied to. I have a bank but it is out of state and I want to switch to a local bank but I can't because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated a mortgage with Movement Mortgage. The loan officer took 3 hard hits on my credit over the first without giving me a heads up. This significantly impacted the credit score I worked so hard to achieve.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiries on my credit report. I recently retrieved my credit report and it showed credit inquiries that I have no knowledge of ever authorizing.
Product: Student loan

Was on forbearance for 3 years and Navient never indicated that there were other repayment plans available. All they said was to keep applying for forbearance and try to make payment. I accrued a lot interest. Navient was very deceptive.
Product: Payday loan, title loan, or personal loan

XXXX was removed from my account arbitrarily. I havent missed any payments or caused any login issues. I am unable to access my account to view balances, confirm payments are correct, or make any changes. Payments are still being debited from my account but I have no way of confirming they are correct and no way to contact the lender. 

When I reached out to support I received a message saying the issue will resolve itself and if not to call a support line during inconvenient hours.
Product: Credit reporting or other personal consumer reports

I request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). These accounts are false and falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX, XXXX, Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 


16 U.S.C 1681 section 602 A States I have the right to privacy.

16 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: Debt collection

On my credit report is states Kohls/Cap One/ $ XXXX # XXXXCharge Off There have been several times reached out to Kohls and Cap one about this and removing it from my credit report. It has went unanswered and no one has got back with me on this matter at all. Please have this removed and resolved.
Product: Credit card or prepaid card

Synchrony Bank the owner of my Sam credit cards added {$1000.00} to Sam Credit Card illegally without my knowledge or permission. Synchrony Bank and Sam Credit Card forward a letter with false information to the 3 Major Credit Reporting Agencies. Synchrony Bank reported that I exceeded my credit limit by {$1000.00} which totally false therefore violates the Fair Credit Reporting Act. I set up a monthly payment schedule with Sam card for the 7th of the month. I notice prior to my payment due XXXX XXXX, XXXX in late XX/XX/XXXX that my regular XXXX payment was changed to XXXX called Synchrony and spoke to a representative prior to the due I was assured that the amount would change. I have no reason to believe what told however on XXXX I that Synchrony withdraw XXXX for my checking account at XXXX XXXX XXXX XXXX without my permission, the balance at this was XXXX therefore an overdraft was created. I got in touch with XXXX XXXX requested that funds be return to my account immediately. The representative informed me that he would be 30 days before my funds could be returned. I filed a dispute with XXXX XXXX XXXX XXXX Fraud Division XX/XX/XXXX I provided Synchrony Bank a copy of that Dispute as Attachment XXXX of my Dispute filed. I received a check for XXXX from Synchrony Bank on XX/XX/XXXX. I deposited check at XXXX XXXX XXXX XXXX Mon. XX/XX/XXXX. I told the teller at that time this would settle my dispute. I paid my bills and overdrafts fees. A week later I not only noticed that my balance on my XXXX increased my {$1000.00}, my monthly increased from XXXX to XXXX a month without any explanation I filed a Dispute early XXXX concerning this matter. I finally received a letter from XXXX XXXX Corporate Specialist, Consumer Relations, Synchrony Bank dated XX/XX/XXXX. I will in the following paragraphs share some of the quotes from that letter I find very important not explained. " The Customer service representative requested that the payment of XXXX be returned to you in the form of a check. However, the payment in the amount of {$920.00} was reversed and applied back your account. '' My question here is why was it reversed? The money that was given to me was MY FUNDS to replace the funds taken from my account. The answer to that question shed light on this issue however was left unanswered REALLY!!! THE CHECK IS THE ONLY FUNDS I XXXX XXXX RECEIVED FROM SYNCHRONY BANK. HOW CAN YOU REVERSED FUNDS THAT DON'T BELONG TO YOU IN NORTH CAROLINA WE CALLED THAT STEALING. 
There is another quote in this letter I found to offensive " Based on your inquiry, we have reviewed your account record and verified we have accurately reported your account. 
history information to the major credit bureaus. How could this be true if you reversed the money provided from the check my account would be XXXX. If that is not the case you stole the funds why wasn't the funds used to pay my account. I find this not only a violation of my Civil Rights and Racial Basis based on my Age XXXX and my Race Black.
Product: Credit card or prepaid card

I had a credit card with BBVA Compass. I was not aware that I owed a balance on this card. I received a letter from a Debt collection company regarding a balance due. I called BBVA and they would not assist me nor tell me anything regarding this dispute, they transferred me to the debt collector, which I explained that I am not aware of owing BBVA any money, they informed me that I could not talk to BBVA and I could only talk to them.

I have not received a bill, email or phone call from BBVA regarding this dispute so I'm
confused as to why they will not assist me in resolving this matter and require me to handle with the debt collector. 

I have requested from the debt collector a statement regarding this dispute, BBVA refused to assist me.
Product: Credit reporting or other personal consumer reports

called the company and already filed multiple complaints with cfpb. both the company and the cfpb have failed to correct these errors.upon talking to a rude cnac XXXX about the promise to pay installment contract, that shows at XXXX apr and the prices they have on this contract do not match up and are false. my credit reports shows my contract is set at 19.88 % apr which is totally different from what was originally discussed and is not what the paperwork proves! and also according to the uniform commercial codes absolutely NO DOWN PAYMENTS ( or deferred down payments ) ARE PROHIBITED IF NOT MAKING A CASH TRANSACTION!! so i want every dollar i payed in the deferred down payment returned with interest or i will file lawsuit on thos company. they are the biggest con-artist in XXXX XXXX . they are charging and price fixing schemes illegally
Product: Debt collection

This company never sent me a bill after they bought my debt. Then they reported on my credit report twice under XXXX different account numbers but the original creditor is the same ( XXXX ), the amount is the same XXXX and the original date is XXXX/XXXX/XXXX on both but Pinnacle added the XXXX one on XXXX XXXX, XXXX with duplicate info but different account number but still never notified me that they had my debt to collect. I just happen to see it on my credit report duplicated
Product: Debt collection

I am a XXXX XXXX  XXXX. I use PayPal and have a revolver with PayPal Credit and XXXX XXXX is issuer. In XX/XX/XXXX I had a Reg Z dispute for XXXX. XXXX resolved in my favor and I received credit in XX/XX/XXXX which was not reversed, resolved in my favor as merchandise was not received and trx was fraud. 

In XX/XX/XXXX I log into PayPal and there is notice that I owe PayPal and must deposit XXXX to use their service. Outside Reg Z window, Violation of PayPals own terms and 5 months after a card dispute was resolved in an area of PayPal I dont use and is not a revolver credit account. I called XXXX, they stated PayPal made a mistake. I suspect some type of reconciliation issue which they tried to clear at year end by stating a customer owes them money outside of the revolving credit account. 
I tried working with PayPal explaining this is not legal. This was a Reg Z dispute with XXXX and if there was an issue with a chargeback it should be charged back to the revolver credit account. They can not and XXXX said they should not because this was resolved 5 months ago in XXXX. PayPal is circumventing Reg Z and I wonder how many customers have been affected by this in XXXX - XXXX they had holdover items they tried to pass to customers because they could not reconcile their clearing accounts.
Product: Bank account or service

I have been trying since XXXX to get XXXX hard inquiries removed from my credit report from Capital One Bank. I did not authorize my credit to be ran for any account. I contacted Capital One on XX/XX/XXXX and spoke with the fraud department. I was told that yes a business account had been opened up in my name but has since been moved into the correct persons name. I asked how this was possible. I was told it looks like a mistake. I let her know that it is showing XXXX hard inquires on my credit reports and needs to be removed. She assured me this would be taken care of and she would mail me out the updated information for my records. Now fast-forward to today XXXX/XXXX/17. I still have not received anything from Capital One stating anything. I 've tried over and over again to call and get some help. All i 'm being told is they do not show an account in my name. Last week while still working on to repair my credit I received a report from XXXX and it 's XXXX addresses listed that are not mine. They show addresses out of XXXX but I live in XXXX I 've never lived in XXXX. I called XXXX and spoke with a rep who worked with me on finding out what was attached to that address. Come to find out the Capital One inquiries where from that address. The rep then issued a fraud alert on all XXXX credit bureaus. Because of the fraudulent activity I was able to remove the inquires from XXXX but I 'm not able to with XXXX and XXXX because those addresses never showed up on those reports. I need this removed. It is negatively affecting my credit score. I have never had an account with Capital One and after numerous calls weekly no one has been able to help get these removed.
Product: Debt collection

I have contacted them by US mail, email and phone to inform them this is not my debt. I have also filed disputes with all three credit agencies. They refuse to remove this erroneous debt from my report.
Product: Mortgage

Back in XX/XX/XXXX my wife and I had to file bankruptcy. At that time my mortgage company ( XXXX ) and my Lawyer advised us to re-mortgage our home. The mortgage was explained as a 30 mortgage with paying the bulk of the interest up front as interest only for the 1st 7 years then switching to a principal/interest loan for the last 23 years to pay off our house, because the bank was taking a larger risk with refinancing to us with the bankruptcy. We figured no big deal due to the fact interest has to be paid regardless and we'd be paying most up front. Fast forward to present time, My mortgage has since been sold to Fay Servicing. I've paid the 7 years interest only but now they are still taking almost {$1000.00} for interest and only {$60.00} for Principal. I called to find out whats going on and was told that its an interest only loan and whatever isn't paid off in 30 years I'll owe that money still. I've been paying a bi-weekly until XX/XX/XXXX and my mortgage has come down {$22000.00} in almost 13 years of paying on it and {$19000.00} out of that {$22000.00} came from my extra payment a year. So in 13 years of paying my mortgage only only {$2500.00} went towards the principal. I still owe {$220000.00} and id need to pay {$1000.00} towards principal and {$0.00} towards interest to pay off my house in time. So basically my Lawyer and mortgage company took advantage of my wife and I at our lowest point where we were depending on him ( Lawyer ) to protect and advise us on what to do. Now our mortgage has been sold and lawyer has passed away, So I reached out to the Attorney Generals office and was advised to call you guys and file a complaint due to the fact that this type of mortgage is partially responsible for the housing market crash of XX/XX/XXXX and is almost illegal now. Thank you for your time and anything you can do to help will be appreciated.
Product: Credit reporting or other personal consumer reports

On all three credit Bureaus my personal information is reporting inaccurately and that's stopping me from getting approved and i have been getting denied for credit in, fact, that is a violation for reporting the wrong social security number for a consumer if you suppose to protect consumers information. There are accounts reporting that i have no knowledge of as well as inaccurate information reporting on an account. By law all three Credit Agencies are supposed to report 100 % accurate, complete, verifiable information. They all have failed to do so. I sent in letters and made multiple calls for all issues to get rectified and handled correctly by law. I need my personal information updated with the correct information and also i need all other accounts to be updated or removed due to inaccuracy and lack of information. XXXX. ) XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX is reporting inaccurate information. The account is not verifiable I did not signed any paper work with this company. This account is not valid. 15 usc 1692g, 15usc1692k, 15usc1692e, 15usc1692h, 15usc1692j,15usc1692f. 2. ) XXXX XXXX XXXX  Bank Opened : XX/XX/XXXX this account is reporting false information that's damaging my credit worthiness, I was never late on this account, There has to be some kind of billing error somewhere, Payment history is not accurate. Update this account to being current, never late. XXXX. ) XXXX XXXX XXXX XXXX : XX/XX/XXXX This account is not accurate, this account need to be updated or remove from my report immediately due to the fact i do not recognized any of the information that is reporting, The account is not a written off charge off, if so the debt is canceled from the IRS and it shouldn't be reporting this is fraud and i want it removed immediately. If the account is charge off the debt was filed with an 1099c form. The debt does not exist, Update this account immediately or remove it from report.