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

In accordance with the Fair Credit Reporting Act this creditor XXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b ( a ) creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Creditor did not provide options to opt-out of reporting.

Obvious violations
Product: Credit reporting or other personal consumer reports

There are inaccuracies on my rental credit report. I have never been evicted and I dont have any judgements.
Product: Credit reporting, credit repair services, or other personal consumer reports

under the fair credit reporting act i have proof that accounts below has been reporting incorrect information on my behalf. these accounts are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently pulled my 3 consumers reports and seen unauthorized inquiries placed on my consumer report. In accordance to the FCRA,15 U.S. Code 1681B- Permissible purposes of consumer report. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates! I didn't give XXXX, Transunion or XXXX written consent to report the these inquiries. 

I also didn't authorize these banks or vendors to furnish this data on my consumer reports. In accordance with the FCRA, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit that are not mine
Product: Credit reporting or other personal consumer reports

This morning, I noticed unauthorized inquiries on my credit report, which I can not explain. My routine check revealed these unexpected discrepancies, and refreshing the browser didnt helpit wasnt a glitch. Im deeply frustrated and insist that you carefully review the documents Ive sent to resolve this once and for all.
Product: Credit card

XXXX my business received a chase business ink credit card ther the business a corp name XXXX XXXX Since economic effects and financial issues the company had to close at XX/XX/XXXX And company was not able to pay the chase credit debt since then However the chase report the my personal creditors to ruin my credit score instead of reporting to business I tried to negotiate with them several times however they dont want to do settlement with me they keep treating me to ruin my ssn and credit score Now they want to charge off & collection activity for the account Please help me or advise me what to do with them to protect my personal credit score from business account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX collection company has not removed themselves off my credit XXXXXXXX XXXX has removed the original collection and now another collection company is bothering me via mail
Product: Credit reporting or other personal consumer reports

The following items are incorrect and unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Per FCRA, as a federally protected consumer, I exercise my right to opt out of any and all authorization, I the consumer may have given XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ), XXXX, XXXX, Transunion, all other credit reporting agencies whether written, unwritten, verbal, and non verbal for the following account : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX All pursuant to 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods.

( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time and 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( 2 ) with the consent or at the direction of the consumer ; I do not consent.
Product: Credit card

I have consistently paid on time for this account, and that is making me extremely anxious to see the wrong late payment entries. I haven't failed in my commitment to paying on time. This error has a significant impact on my mental well being, affecting my sleep and my peace of mind. I'd like to request an immediate correction of my statement, and I hope you're aware of the urgency of the situation.
Product: Mortgage

Over a year ago we started the process of building a custom home. After we closed and had already paid our down payment, purchased the land and cost to build, we were shocked to find out our first interest only payment was so high. We immedietly contacted the lender. They informed us there disclosures were misleading. Eventually after a face to face meeting, we decided to wait until our home was done being built to file a formal complaint. Washington Federal did mislead us. Not once did they ever properly disclose the proper terms and costs of the loan during the closing process. The paper work we were disclosed and signed is clear. 

{$750.00} is the max payment for year one ( first 12 payments ). This is clear on page one ( 1 ) of the disclosure we signed. For years 2-31, page one ( 1 ) does reference the Adjustable Payment table on page four ( 4 ) for an updated payment. See next paragraph. 

The Adjustable Payment table on page four ( 4 ) of the disclosure is also quite clear. At month 13 we start paying both interest and principle and the max payment not including escrow will be {$1900.00}. 

So, XXXX is correct. During the first 12 months ( year one ) we will be in interest only payments with a maximum of {$750.00} per payment. 

There is no {$1500.00} payment ever for the length of this loan. Not in year one ( 1 ), not in years 2-31. 

XXXX, please call me if you have any details that are different than our closing disclosure we signed. 


We were forced to pay terms we never agreed to. We were never given a chance to even consider if we could handle up to XXXX a month payment while we build.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts. Collection charge off under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681. 

For Collection/Charge off 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 XXXXXXXX
Product: Mortgage

I sold my house and my mortgage was closed on XX/XX/2020. My mortgage was with M & T bank. They were not who I initial took my mortgage out with. They have been problematic to deal with since they became the servicer. 

I did not receive the mortgage tax statement for 2020 showing how much I paid in interest and taxes for the 2020 tax year. I realized this when I went to do my taxes with the collected documents. Normally these form are easy to retrieve on company websites Previously when my mortgage was serviced by XXXX XXXX, I could alway get them online ( but never failed to receive a paper statement ), however, M & T bank closed my account so I can't log in to their website and get the document. I get an error message when I try to log in. 

I tried calling the bank on Saturday when I was doing my taxes, but was told that the online department couldn't help me. I called back today and have been on hold waiting for over 20 minutes now. It's a silent hold. I'm not optimistic I will be able to get through at all. 

It feel like since I am no longer a customer they have no interest in helping me get the matter resolved.
Product: Mortgage

My XXXX  mortgage loan was originally with SunTrust and was later migrated to Truist Bank. I used the XXXX forbearance for my mortgage payments for a period of time, and then agreed with Truist to create a second mortgage partial claim for the amount that was in forbearance. I submitted all of the signed, notarized, partial claim documents to Truist when requested at the end of XXXX. Truist has not yet submitted my partial claim to HUD, however the second lien is listed on my house title. I am now attempting to pay off the second mortgage, XXXX  months after finalizing the partial claim with Truist, however HUD can not generate a payoff letter for me because Truist has not filed the partial claim with them. I am unable to sell my house, open a HELOC, refinance, or do anything because of Truist failing to complete this step. I have called Truist multiple times, requested callbacks from supervisors, have been transferred from department to department, and have not been able to speak to anyone who is able to resolve this problem or give me information on how it can be resolved. This XXXX months-long delay is going to have serious financial implications for me. I have never been delinquent on my mortgage payments and have always done my part with paperwork. I now need someone at Truist to file my partial claim with HUD immediately.
Product: Credit card or prepaid card

XXXX Please reference this case. It was closed and NOT resolved. 
Bank of America kept giving me phone numbers 1. was no longer in use and the 2nd one they gave was not a valid number to rectify the issue. I was suppose to be getting a phone number for B of A 's underwriting dept. Please reopen the case above and reference the information. 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XX/XX/XXXX Account # XXXX XX/XX/XXXXXXXXXX/XX/XXXX Account # XXXX US DEPT ED Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XX/XX/XXXXAccount # XXXX XX/XX/XXXXXXXXXX/XX/XXXXAccount # XXXX US DEPT ED Account # XXXX DPT ED/XX/XX/XXXX Account # XXXX DPT EDXXXX Account # XXXX** DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX XX/XX/XXXX XX/XX/XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX* DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX XX/XX/XXXX XX/XX/XXXXAccount # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX XXXXXX/XX/XXXX Account # XXXX XX/XX/XXXX XX/XX/XXXXAccount # XXXX XXXX XXXX XXXX has violated my rights. 

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.
Product: Money transfer, virtual currency, or money service

I originally went to my XXXX XXXX, XXXX XXXX XXXX in XXXX XXXX. Florida on XX/XX/2021 to complete a wire to XXXX XXXX in XXXX. I was advised the wire will be available in two business days. I was asked to provide additional documentation on about the first of XX/XX/2021, which I did. I was later on told by a compliance rep in my Ctedit Union the following day that recipient bank XXXX in XXXX has the funds. It ended up not being true. Bank of New York apparently was a corresponding bank that sent the funds {$20000.00} to XXXX XXXX XXXX XXXX  and the funds were not delivered and kept by one of the banks, apparently XXXX XXXX XXXX XXXX  for no reason. I asked for the wire to be reversed because it was not delivered as I expected. My money is still being held for no reason. I received a communication from XXXX that it will take 10 to 12 business days. The issue is, why should any institution sit on my money, for no reason? Is it a fraudulent strategy to make money off the funds? This money is from my Home Equity Line of Credit and each day they held it cost me interest close to 3 percent. I paid for a wire transfer service. The service was not rendered within the promised time frame. My money is still being held for no reason. I need my money back with all the interest as soon as possible. No need for this stress. You bank can not collect on service they did not render.
Product: Debt collection

I am filing this complaint against PYOD LLC for violating the Fair Debt Collection Practices Act ( FDCPA ). 

PYOD LLC has placed a collection account on my credit report without following the required legal procedures. Specifically, they have violated the following provisions of the FDCPA : 12 CFR 1006.34 ( b ) ( 5 ) : PYOD LLC failed to provide me with written validation information regarding the debt they are attempting to collect. This information should include the amount of the debt, the name of the creditor, and a breakdown of charges. 
12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given a fair opportunity to dispute the validity of the debt. PYOD LLC did not provide the proper channels for me to contest the account. 
12 CFR 1006.34 ( d ) & 15 USC 1681-S2 ( 7 ) ( A ) : PYOD LLC furnished negative information to a credit reporting agency without providing me with all the necessary disclosures required by law. This includes the validation information mentioned above. 
These actions by PYOD LLC have damaged my credit report and caused me undue stress.
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX violated my rights. 

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 seven 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: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX XXXX XXXX XXXX XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting or other personal consumer reports

Complaint Against U.S. Department of Education for Violations of FCRA and FDCPA Issue Type : Credit reporting and debt collection violations Company Name : U.S. Department of Education Complaint Details : I am filing this complaint due to inaccurate credit reporting and unfair collection practices by the U.S. Department of Education regarding my federal student loans ( Account Numbers : XXXX and XXXX ). 

These loans are incorrectly reported as defaulted/charged-off, even though I am eligible for the Department of Educations XXXX XXXX XXXX XXXX which should restore my loans to good standing and remove negative reporting. Despite my eligibility and requests for correction, the Department of Education has failed to take appropriate action. 

Violations : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S.C. 1681s-2 ( a ) : Failure to report accurate information to credit bureaus.

15 U.S.C. 1681s-2 ( b ) : Failure to investigate and correct inaccurate information after being notified of the dispute.

Fair Debt Collection Practices Act ( FDCPA ) Violations : 15 U.S.C. 1692e : Misrepresentation of my loan status and failure to inform me of my XXXX XXXX eligibility. 
15 U.S.C. 1692f : Unfair collection practicescontinuing to report my loan as defaulted despite my XXXX XXXX eligibility.

How This Issue Has Affected Me : The inaccurate reporting has negatively impacted my credit score, making it difficult for me to secure financial opportunities. 
The misrepresentation of my loan status has caused me financial and emotional distress due to unfair collection practices. 
The Department of Education has failed to correct the issue despite my formal dispute. 
What I Want the Company to Do : Immediately remove all negative remarks related to this default from my credit report.

Provide written confirmation that my loans are in good standing under the XXXX XXXX XXXX. 
Cease all collection activities related to this loan. 
Ensure compliance with the FCRA and FDCPA to prevent further harm to me and other borrowers. 
If this issue is not resolved promptly, I intend to escalate further, including seeking legal action for damages caused by the Department of Educations noncompliance. 

Supporting Documents : I have attached all relevant documentation, including correspondence with the Department of Education and proof of my XXXX XXXX eligibility. 

Desired Resolution : Correction of my credit reports, cessation of unfair collection practices, and confirmation of compliance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX, 2021 ; XXXX XXXX XXXX Date of Inquiry : XXXX XXXX, 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I experienced a medical emergency that created various hardships and was unable to submit my IDR plan information. I contacted my lender, AES in XX/XX/XXXX to discuss options and notify them that my re-certification paperwork would be late. They advised there was no longer COVID relief assistance available. I asked about additional options and was told there weren't any available. My loan went into default and was reported as being late for 2 months. I continued to call them to discuss options to no avail.

The last email I received regarding COVID  relief options from AES was received on XX/XX/XXXX. However ; they stated the relief offer ended in XX/XX/XXXX - I called prior to this date. One of the main items is that AES did not offer me the option to Consolidate my loans. This would have temporarily paused my loans and. Allowing them not to be reported as late and given me time to set-up other options. I have called to work with AES tirelessly from XX/XX/XXXX- XX/XX/XXXX to no avail. I have also submitted two credit report disputes to AES.

My issue is that I was not offered COVID relief options nor Consolidation. All options were to be provided and they were not. 

The desired resolution would be to have all late payments/delinquency reported to the credit agencies removed as all options were not provided to me as the loan borrower. All options should have been recommended so I could consider them and decide what was best. This was a servicing error on the part of AES and the delinquency should be removed from my credit report for all agencies. 

Thank you for your assistance.
Product: Money transfer, virtual currency, or money service

I often play games at my own risk on XXXX XXXX website. There are two options : play with real money using Sweeps Coins or fake money using Gold Coins. I purchase Sweeps Coins which in turn increases the number of Gold Coins as well. From XX/XX/2024 to XX/XX/2024 there were several transactions made by my nephew with a XXXX XXXXXXXX that resulted in my account being overdrafted for more than {$1400.00}. I usually allow my nephew to play with Gold Coins. Somehow, he figured out how to make purchases with my debit card. 

I recently added a new debit card to XXXX XXXX. This is relevant because 1 ) it is a new debit card for Citizens in general as they shifted from Visa to XXXX XXXX ) I had always been alerted if multiple transactions were attempted on my card at the same merchant including XXXXXXXX XXXX in the past. However, this time, Citizens allowed multiple transactions to go through. On XX/XX/2024, starting at XXXXXXXX XXXX until XX/XX/2024, at XXXXXXXX XXXX, there were 34 transactions allowed to go through on my account even after I had insufficient funds. The approximate total was {$2100.00} ( this does not include convenience and foreign exchange fees ). This resulted in my account being overdrawn for approximately {$1400.00}. Now, I get that I do use the site. However, someone purchased items from XXXX using my credit card once and I was not held responsible because I shopped at XXXX before. Where is the protection to my account that Citizens promised? I called them on Saturday, XX/XX/2024, because I couldnt use my card. After all these transactions, Citizens sent me a fraud alert on XX/XX/2024. Before that, I received a Fraud Alert for a purchase I made on XXXX for {$00.00}. Just now, as I write this, I was reminded that I needed to add my new debit card to XXXX to pay for my membership and received a fraud alert for a transaction for {$24.00}. 

I filed a claim on XX/XX/2024. On Sunday XX/XX/2024, I checked my mobile banking account and saw the claim was closed. I had to call and find out why. The letter recieved in the mail today says that there was no fraud and NO ERROR!