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. '' Equifax 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 Equifax 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 Equifax, 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. Equifax 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This items are illegally and unaccurately being reported on my credit report. I need these items deleted immediately.
Product: Debt collection

MARINER FINANCE ; LOCATED AT : XXXX XXXX XXXX XXXX  XXXX, MD XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$5200.00}. THE CHARGE OFF HAS BEEN REPORTED CLOSED, WITH A PAST DUE BALANCE. I DO NOT OWE THIS DEBT. I HAVE NEVER OWED ANY OUTSTANDING DEBT WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE FOR THIS DEBT.
Product: Credit reporting or other personal consumer reports

UNAUTHORIZED FRAUDULENT INQUIRES XXXX : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 EXPERIAN : XXXX XXXX XXXX XX/XX/2023 REMOVE UNAUTHORIZED FRAUDULENT INQUIRES
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2024 To whom it may concern, On day XX/XX/XXXX, I looked at my report. I sent a letter to Experian on XXXX XX/XX/XXXX asking them to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX, and here is my tracking number : XXXX from USPS On XXXX XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same..

and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate.

Experian really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case
Product: Credit card

I hope all is well. Im writing to file a complaint on the minimum amount due of {$590.00} on my Macys XXXX, my bill has never been this high and I know the reason is because the agent gave me the wrong information in XX/XX/year> regarding my payment/billing and told me my payment was not going to retry so I made another payment and the original payment did retry and I dispute with my bank for me to get my second payment back because Im only required to make one minimum payment a month. Now that this happened my bill has been extremely higher than normal. I know for a fact if the agent never gave me the wrong information my bill would not be this high. Your computer system is thinking Im missing a payment when I got my second payment back and it has offset my account. Please fix and adjust my account. My bill should not be {$590.00} this needs to be corrected or Im taken further action. I need to know the correct minimum amount I need to pay out of the {$590.00} to keep my account current? Who can look at my account and honestly fix it and understand what happened when your agent gave me the wrong information? Once your computer is adjusted and fixes my account my minimum payment will definitely go down because my account was completely fine until I received wrong information from your agent. Thank you for your time. Have a wonderful day!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 XXXXXXXX, has violated my rights according to the following 15 U.S.C 1681 section 602 A . States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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: Checking or savings account

In XX/XX/2019, account ending in XXXX and XXXX under my husband 's name, XXXX XXXX and account ending in XXXX and XXXX under my name, XXXX XXXX, was determined by Bank of America to have a balance. After the bank completed their investigation and verified it, the Bank of America closed the accounts and refunded us the balance via cashiers checks. A total of four cashier 's checks were sent to us upon the closing of these accounts but I was not able to cash them because they expired. Letter from Bank of America XXXX Reference # : XXXX ( XX/XX/2019 ). 

I send letters to the bank but they never responded. I called several times and left messages but the messages were never answered. I would like your help to get the balance owed to me by having Bank of America re-issued the checks or cashier 's check credit to me. 

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

On XX/XX/2020 I sent Dispute letters for those inaccurate and unknown accounts on my Credit Report but it's over 30 Days today I haven't received any response. I was a victim of Equifax Data Breach. I demand to Remove ASAP those accounts or I will file a litigation.
Product: Mortgage

wells fargo transfered my loan to Rushmore during a loan modification and then they are forclosing on my home because they said you wont allow them to stop because the date is less than 37 days away They are also saying my application was denied by wells fargo prior to transfering for missing documents. i have sent them emails and all corrspondence showing i sent the documents to my loan specialist on time and when requested
Product: Student loan

My student loan was XXXX in 2010 according to the XXXX, in response to my request because of becoming XXXX, this according to letters received from the XXXX in response to inquiries from XXXX representatives XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. In my complaint against Nelnet was included an illegal double charge against my credit. In my attempts to speak directly to Nelnet, I was assured by them that they would drop the illegal double charges off of my credit but they never have even to this day. Nelnet went as far as to request in a recorded conversation with me, asking my permission to continue contacting me via my phone and email in an obvious attempt to continue harassing me. I have spent the last XXXX or more years paying higher auto insurance rates, paying higher deposits on rentals and being refused credit cards and have been adversely affected in my quality of living because of the illegal and harassing practices of Nelnet. This company is supposedly acting as a branch of the federal government but I read online that they are the biggest scam known in this XXXX I am demanding not only to have my credit cleared as I have written the XXXX major credit bureaus of Relent 's illegal activities but Nelnet continues their claims, but I also DEMAND to be reimbursed for the loss of quality of life in this case of this great scam practiced by Nelnet. I and my wife are both XXXX Americans and we continue to suffer a loss of quality of life because of this sickening company that for some reason is still being allowed to practice " business as usual '' in this country, no doubt because of crooks who run this country.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX ... there was an unauthorized hard inquiry placed on my credit. I am just now seeing it this year.After contacting XXXX XXXX ... the parent company this XX/XX/XXXX ... they've contacted the subsidiary in which ran my credit : XXXX XXXX. They did the research and found that there's no way I authorized my credit to be ran. They've sent the request to all credit bureaus to have the hard inquiry removed ... XXXX ... Transunion ... nor XXXX   have done such. The inquiry is STILL on my credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

I learned through friends that Equifax had been hacked and that I should check to see if my personal information, including credit card information, had been accessed. I determined through Equifaxs website that my information was, in fact, compromised, and I placed a 90-day fraud alert on my files. 

At no point did Equifax contact me to let me know that my information was compromised. The burden of determining whether or not I was compromised, and then fixing the issue, should rest with Equifax, not me.
Product: Money transfer, virtual currency, or money service

A year ago Bank of America decided to close my account. They sent me a check for {$3000.00} but it never arrived to my addrees : I called many times to the bank because the check did not arrive until one time one of their operators told me that the check was cashed. I never received the check, so, how was that possible? I submitted a claim to the bank, they ask me a notarized document, I sent it and several months later they sent me a communication about my fraud claim. They solved the situation and they sent me the check again on XX/XX/XXXX. Now I'm waiting for my check and I decided to call again because three months have gone by and I have not received my check. Aparently the check appears cashed again. I can not spend more money making documents, notarizing and trying to solve the problem. It is impossible someone cashed my check twice. They have a problem with their security or with XXXX  people. I dont know what is happening but I need my money back. I dont know if they have an internal problem with their employees or if their security system is not good. Nobody has my personal information or my signature, so how is possible someone cash my check
Product: Debt collection

United Credit and Collections, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, MO XXXX placed a collection balance from XXXX XXXX on my credit reports with a date of XX/XX/XXXX. This is an inaccurate date. The correct date should have been XX/XX/XXXX and this collection should have been removed from my credit report 5 months ago. I've disputed this numerous times through XXXX XXXX and XXXX XXXX with no results.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, i noticed these unauthorized inquires on my credit report and have suitable reason to believe that i may be a victim of identity theft. Please Correct this, In accordance with FCRA 15 U.S.C 1681 Section 604 A section 2 states that i have a right to privacy. 15 U.S.C 1681 Section 604 a Section 2 : also states a consumer reporting agency can not furnish an account with my written instruction. Please handle with haste these inquires that were not authorized by myself : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXETER FINANCIAL XXXX : XX/XX/year> EXETER FINANCIAL LLCXXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Per the FCRA, I am a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). " 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, Experian, XXXX etc. 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 that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { {$1000.00} }, whichever is greater. Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion I am writing to you to dispute the accuracy of the credit information on my credit report, which was recently sent to me. According to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify, through the physical verification of the original signature contract, any and all accounts that you post on a credit report. Failure to comply with this requirement could result in fraudulent accounts being added to the credit report, which could negatively affect my ability to obtain credit. 

Therefore, I am requesting that you provide me with verifiable proof ( an original Consumer Contract with my Signature on it ) for all accounts that you have listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit, and under the FCRA, unverified accounts must be removed. If you are unable to provide me with a copy of verifiable proof, you must remove the following accounts immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, I request that you add a Promotional Suppression to my credit file and remove all accounts that are not METRO 2 COMPLIANCE. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( a ). I am keeping a careful record of your actions, including Method of Verification, and I DO NOT CONSENT TO e-Oscar or any means of automated verification. Be advised that the description of the procedure used to determine the accuracy and completeness of information is hereby requested as well, to be provided within 5 days of the completion of your re-investigation. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : Defamation Negligent Enrollment of Identity Fraud Violations of the Fair Credit Reporting Act Financial Injury Please send an updated copy of my credit report to the above address. According to the FCRA, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

My contact information is as follows : XXXX Finally, please be aware that depending upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the following organizations : CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller of the Currency CC : Federal Reserve System CC : XXXX XXXX XXXX  CC : Federal Trade Commission CC : State Regulatory Agency CC : California Regulatory Agency Division of consumer complaints Thank you for your time and assistance in this matter. 

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

My complaint is simple. I have accounts with XXXX, XXXX and TransUnion. I wanted to change my password on all three. I logged onto XXXX and did so easily. I logged onto XXXX and did so easily. 

TransUnion was an abject disaster. My log in information did not work. I tried to use their Online Chat but got no response. I called their number and waited forever. I left a call back number as they suggested. No response. They asked for personal info to verify it was me. I gave it, but am concerned about how and why it was asked for. How can this one agency be so terrible when the other two were superior and easy to access and deal with? I want to be sure my information has not been compromised trying to make sure my information is not compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX Experian XXXX and XXXX unlawfully took adverse action against me by reporting unfair inaccurate reporting. XXXX added a {$1.00} charge to a closed charge off account this is a violation 15USC 1681m. I disputed the validity of the account and XXXX charged a closed account XXXX dollar which played a part in my score dropping over XXXX points on XXXX. XXXX FAILED TO NOTIFY ME PERSONALLY IN WRITING ORAL OR ELECTRONICALLY THEY HAVE ONLY MADE CONTACT WITH THE CREDIT REPORTING AGENCIES. I demand to know in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Failing to provide details within 30 days is another violation of my consumer rights under the FCRA. If you could not provide such information DELETE this inaccurate unfair reporting.
Product: Debt collection

I have retained the Law Firm of XXXXXXXX XXXX XXXXXXXX for the purpose of debt resolution. Upon the advice if my lawyer, I was to direct all inquiries regarding any and all alleged debts to the firm. This was communicated to the original debtor and or all agents acting on their behalf or subsequent new owners of said alleged debt. After be notified of my legal representation, the collection agency still attempted direct contact via phone and by mail.