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

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
SELF / LEAD XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in ACCURATELY reporting consumer information ( 15 U.S. Code 1681e ). It is imperative that this information be reported with utmost accuracy. All my payments are current with XXXX XXXX Account # XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence that is consistent among all reporting agencies because I've upheld all my payment obligations. If consumer reporting is found to be inconsistent, I demand that these late payments be promptly updated to reflect all payments are on time. I printed out my credit report and attached it as proof of these inconsistencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased this loan product in XX/XX/2019 from XXXX XXXX XXXX for {$12000.00}. I made my payments on time until I consolidated my loans. A payoff check was sent to them from my bank and process on XX/XX/2019. Their company sent me an email stated that my obligation to them was paid in full on XX/XX/2019. I still have that email in my possession and can provide it if needed. I requested a statement from them when they attempt to say that I still owe them money. That statement shows that they processed the check. They are still trying to get more money from me and it keeps increasing. It is also on my credit report. I saw online that they do this to customers that pay off their loans earlier. I do not know what to do and have attempted to resolve this with them. This has really destroyed my credit score. Please help! They should be shut down for these practices. I do not want anyone else to deal with this.
Product: Student loan

I am in a XXXX program for XXXX XXXX studies. I applied for an XXXX loan at Discover and was denied because I am not a degree-seeking student. I called Discover back for the second time and spoke to a woman on the phone and explained all of these details in depth to her. I explained I was technically a XXXX XXXX, was technically an XXXX but already had my degree, etc. We spent I would say 10-20 minutes on this recorded phone call. In the end she said Discover could in fact help me out based on that information and to go ahead and apply for a XXXX loan. I did so, was approved, and had my mother co-sign on the loan. Because of this we each had hard credit checks ran so we have added inquires on our credit reports. After more time I did n't have to lose financially had lapsed and some added pressure on my school, I found out that Discover in no circumstances whatsoever loans to XXXX/non-degree-seeking students. On top of that, Discover themselves never sent an e-mail with the information that I was denied or sent an account notification that would have generated an e-mail. I now have no student loan, have to apply somewhere else again, lost precious time, and an extra inquiry on my credit report all because of a Discover employee. I expect the company to do anything they can to retract the credit inquires from the companies as to not damage my credit score and that of my mothers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Lexis Nexis, XXXX, XXXX, and XXXX, have violated my rights. I have also been told previously that it has been verified through the courts which are not true and I have verified with the courts that they do not verify this information with the credit bureaus or any other entities. My rights have been violated under the FCRA laws below and I have the right to privacy. I have asked that this be removed from my credit report multiple times due to the FCRA violations and the inaccuracies that are included. 

15 U.S.C 1681 section 602 A. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions There are also multiple errors on my credit report in regards to this listing such as the reference #, court name, and filing date which violates my rights.
Product: Credit reporting or other personal consumer reports

Under the guidelines of the Fair Credit Reporting Act, it is stipulated in 15 USC 1681 section 602 ( a ) that consumer reporting agencies must carry out their duties with fairness, impartiality, and respect for consumer privacy. XXXX, XXXX, and Experian are recognized as consumer reporting agencies, and I, as the consumer, have the fundamental right to safeguard my private information, as reinforced by 15 USC 6801, which mandates financial institutions to uphold customer privacy and safeguard their nonpublic personal information. XXXX XXXX, being a financial institution, falls under this mandate. 

As per 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies can only furnish a consumer report with explicit written instructions from the consumer concerned. Neither XXXX XXXX nor the consumer reporting agencies ( XXXX, XXXX, and Experian ) have my consent or written authorization to share this information. Any prior consent, whether verbal, non-verbal, written, or implied, is hereby revoked. 

Additionally, 15 USC 6802 ( b ) ( c ) requires financial institutions to inform consumers of their right to opt out of information disclosures to third parties. XXXX XXXX failed to inform me of this right, violating the law. 

Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without proper authorization, which they have done without my permission.

Furthermore, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, it is unlawful to furnish inaccurate information to consumer reporting agencies, and these agencies must maintain reasonable procedures to avoid violations.

Lastly, as per 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time, and I am choosing to exercise that right and opt out of the reporting services provided by these agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the accuracy of this account on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account keeps getting ownership changes from one collection company to another. They are playing games with the dates opened, which is violation of the FDCPA. I have disputed the accuracy of this account before under different collection agencies. They have apparently sold this account and changed the open date to a more recent date this year. This is a violation, and confirms that they have no other interest other than to harm me financially.
Product: Mortgage

Bank of America is prohibited from collecting fees during the loss mitigation processes. Dual tracking protections apply to Requested Mortgage Assistance ( RMA ) applications per California Civil Code 2923.6 ( g ). 
Prohibited fees during loss mitigation are not to be collected. Servicer may not collect any late fees when a complete loan modification application, other foreclosure alternative, or appeal is pending, or when borrower is compliant with any foreclosure prevention alternative plan per California Civil Code 2924.11 ( f ). 
Bank of America and their representatives has engaged in unfair debt collection as evidenced by the XXXX XXXX and XXXX XXXX Bank of America provided account records including, by not limited to, payment histories aforementioned. 
Bank of America has assessed fees to this home loan mortgage account amounting to tens of thousands of dollars, including fees incurred by XXXX XXXX XXXX XXXX ( XXXX ) in their roles as both debt collectors ( from XXXX XXXX to XXXX XXXX ) and beneficiary trustee ( from XXXX XXXX to present ). 
Bank of America has also engaged in record and document tampered destruction. 
Please refer to the submitted documents provided upon assignment of a CFPB complaint number for this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

your agency reported this derogatory account without following the federally mandated procedures, your agency has bypassed your mandated allotted timeframe to respond and failed to validate the debt, as well as the several other violations mentioned above. Reportthatthedebtisdisputed and remove this account from my credit files. I will file civil lawsuit against any and all companies and/or agencies that assist XXXX in continuing to violate my Consumer Bill of Rights, Fair Debt Collection Practices Act and the Fair Credit Reporting Act that cause undue, unjust and derogatory effects to my credit. I will bring acivil lawsuitagainst XXXX XXXX statecourt. I will prove XXXX XXXX violatedtheFDCPA. I will collect {$1000.00} in statutory damages, and more since you have negatively affected my credit score after I have been diligent in maintaining a high credit rating and have suffered harm from your violations. This account has been removed 4 times and has bypassed the allotted timeframes. They never validated this debt and can not come back 5 collection agencies later and multiple collection agencies at the same time and still attempt to collect an an incorrect amount with an incorrect account number with incorrect information with invalidated information. This is ridiculous to do this every year. Mind you all these letters are certified and proof that your agency removed this account MULTIPLE times in 5 years And keep adding it back
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act, Experian has violated my consumer rights by reporting a XXXX  XXXX bankruptcy. Pursuant to 15 U.S.C. 1681 SECTION 602 A ; I have the right to privacy : " 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. '' It also states a consumer reporting agency can not furnish an account without my written instructions. Pursuant to 15 U.S.C. 1681B ( 2 ) " consumer reporting agency can not furnish an account without my written instructions ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2023, I have recently encountered instances where my attempts to dispute certain accounts on my credit report have been met with responses indicating that my credit file can not be located. This has resulted in difficulties in addressing inaccuracies and discrepancies that are negatively impacting my credit standing, risk assessment, and overall financial well-being. 

Furthermore, these challenges raise questions about the credit reporting agencies ' adherence to the Fair Credit Reporting Act ( FCRA ) and their responsibilities in providing accurate credit information to consumers. It is my belief that these issues may be hindering the consumer empowerment aspect of credit reporting and potentially compromising data security. 

This practice has resulted in significant harm to my financial standing and has raised questions about the ethical and legal practices of your organization. I recently discovered, to my astonishment, that multiple accounts are appearing on my consumer report, indicating that your agency has been furnishing information without my explicit written consent. This practice not only undermines my ability to manage my financial affairs effectively but also jeopardizes my privacy rights as a consumer. I believe that this disregard for the requirement of written consent is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and potentially other applicable regulations. 

I want to bring to your attention that I have taken this matter seriously and have filed a complaint with the Federal Trade Commission ( FTC ). I am committed to seeking appropriate actions to address the harm caused by these practices and to ensure that such violations do not continue to impact consumers like myself. 

Attached to this letter, you will find a copy of my consumer report as evidence of the multiple accounts that are inaccurately appearing on my credit report without my written consent. Furthermore, I have included a copy of UCC-11, which shows that I do not have any liens or loans associated with my name. 

I will also include AGAIN a copy of my Drivers License, address, and social security card. Because every time I make a dispute. the 3 bureaus can not verify who I am
Product: Checking or savings account

On XX/XX/20 I received an email from PNC bank informing me my account was negative {$54.00}. I made 4 online transfers from my reserve account to bring the account balance positive on XX/XX/20. Then at XXXX on XX/XX/20 I receive an email saying my account was overdrawn on XX/XX/20. After reviewing my account pnc had reorganized my transactions causing me to overdraft. I brought the account current again on XX/XX/20 by transferring {$150.00} to my checking account from an outside account to bring it current. 

When I view my online account history my pnc account shows I have an ending balance of {$48.00} on XX/XX/20. When I called a rep at pnc on XX/XX/20 they informed me my ending balance was - $ XXXX on XX/XX/20. 

I believe PNC online banking is deceitful. It will show pending transactions, then drop them off from your account and online balance total for a few days before reposting them to your account again. I have been informed by a rep on a previous call that online bank balance is not a true representation of the actual account balance. This seems to be the case again and this is the second time it has happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim of XXXX  XXXX security data breach. Currently undergoing XXXX XXXXXXXX data breach settlement case. The inquires listed below are inquiries not initiated by myself nor did I receive a phone call my phone number had been changed and I unintentionally failed to update it with the credit bureaus. 

XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance other than personal XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Business type : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX recently reported my student loan account as XXXX XXXX late to XXXX, and other two bureaus. However, I was never properly notified about the delinquency. All XXXX communication went to my spam folder, and I was unaware of the missed payments until I reviewed my credit report. 

As soon as I realized the situation, I immediately paid my account in full to bring it current. I contacted XXXX directly to request a Goodwill Adjustment, but I was told they are unable to remove the late mark. 

Given my history of responsible payments and the fact that I was never properly notified, I am requesting that the XXXX late payment be removed from my credit report. I kindly ask CFPB to investigate this matter, as this reporting has drastically affected my credit score and does not reflect my overall creditworthiness. 

Thank you for your time and assistance in resolving this issue.
Product: Debt collection

On XX/XX/2021 I received an email from Unifin Inc. about a XXXX XXXX debt ( attached Unifin XXXX ). I have never had a XXXX XXXX account. I called Unifin and verified ( via providing personal information ) that they have the wrong person. I requested they not contact me about this further, since this is not my debt. The person on the phone said they would remove me from contact. 

On XX/XX/2021 I received a 'Second Notice ' from Unifin about this same debt ( attached Unifin 2.eml ). I sent a reply ( attached Re Unifin XXXX ) to the email address listed at the bottom of their email : XXXX I received no response. 

On XX/XX/2021 I received another 'Second Notice ' email from Unifin ( attached Unifin XXXX ). 

I have tried to stop this harassment by contacting them via phone and via email but they refuse to stop harassing me about a debt they know is not mine. I believe they are simply trying to make me pay another person 's debt via annoying emails.
Product: Checking or savings account

Monday XX/XX/XXXX, I began the day with approximately {$45.00}, early that morning I noticed the recurring payment for my daughters braces was charged for {$130.00} causing insuffienct funds of about - {$94.00}. Within hours I deposited {$95.00} to resolve that. An additional deposit of {$19.00} to use my debit card for gas, which was {$18.00}. Fortunately for Wells Fargo, recent transactions were so conveniently delayed and processed in such an order that would only favor Wells Fargo and resulting in numerous overdraft charges. This has happened several times recently, and Wells Fargo has not had a problem refunding me a small fraction of these fees but Im getting sick and tired of it. Yes, manage your money better. Is the best solution, but something my financial institution shouldnt be making it impossible for me to get out of this hole Im in. After speaking with Wells Fargo and attempting to escalate the situation yesterday, their phone conveniently disconnected. I say there phone because my phone was still on the line when the dial tone sounded off. They refunded a measly {$17.00} From {$70.00} that were wrongly assessed to me. I allowed XXXX to deposit a refund I requested of {$29.00} to Wells Fargo to decrease my insufficient funds amount from {$59.00} to {$30.00}. Which I received an email stated my new balance of - $ XXXXand confirmed this with the calculations Ive been recording by hand, Wells Fargo online banking, AND the mobile app. My new balance was - {$30.00}, with no pending transactions. This, although incorrect, but was something I guess I will have to do. Until I come back from lunch and notice a charge that was assessed XX/XX/XXXX has somehow come back to life and processed today, creating an additional {$35.00}. Now Im fu***** livid. When Wells Fargo is asked about this, I get the same response each time. And remember that {$130.00} braces charge that started this? It finally shows today as processed, barely. I just now received it along with a note from Wells Fargo showing theyve kindly waived the fee on that charge. How generous ... ... This is outrageous. Ive been keeping record of my finances all month, and as an underwriter, Im fairly decent at doing so, this is incorrect and flat out criminal. Theyve been doing this for months, moving transactions around and even after being deducted from my balance someone reappear creating an additional deduction. Please please please help me with this so I can bring my account current, hopefully receive any money Wells Fargo has stolen from me and leave this awful bank for good.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is violating my consumer rights by furnishing and reporting XXXX collection  account that has already been removed from my consumer report by XXXX and XXXX because the original account was deemed to not belong to me ( see attachment ). Experian is supposed to be fair, impartial and required by law to ensure the reports furnished and reported by their company are 100 % accurate and can be held liable if not. My score was updated today ( see attachment ) however, this account is still being reported. Experian is blatantly disregarding federal law as well as my consumer rights. If this matter is not resolved immediately I will be happy to make this a federal matter.
Product: Debt collection

I have been notified by mail that I have a credit card debt. I review the documents that I have been sent and this Identity fraud. I'm not the person on the documents and the address on these documents has never been my place of residents. I have communicated with the debt collector and asking them to further investigate the person on the documents that they have send me. This why I'm reporting this identity thief to cfpb Consumer Financial Protection Bureau.
Product: Checking or savings account

PayPal credited money back to my card ending XXXX with XXXX XXXX bank there were XXXX transactions that were credited back to my account that had been closed a month prior. XXXX XXXX reject the fund and returned the money to PayPal and the money shouldve end up in my PayPal balance. XXXX XXXX rejected the following payments and they were returned to PayPal XX/XX/2024 {$140.00} XX/XX/2024 {$580.00} XX/XX/2024 {$1600.00} XX/XX/XXXX {$820.00}. Its been over XXXX months and I havent received the money in my PayPal. PayPal says that they have never received the funds back. Its {$3100.00} total that I am missing. Ive spoke to Paypal multiple times. XXXX XXXX has done additional checks on their end to investigate, and they have assured me that the funds were refunded to PayPal. PayPal is holding {$3100.00} of my money.
Product: Debt or credit management

This account has taken fees out on me its an old account and I never received the actual equipment for this account and still charged. I moved recently after and tried to stop charges and service and never stopped
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate the account ( A ). I hope the disputed account is now updated. 
Please fix this account : XXXXDEPT OF ED XXXX Balance {$5700.00}