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

On XX/XX/XXXX, I took action by filing a formal complaint with XXXX XXXX XXXX XXXX after discovering an unauthorized credit inquiry on my credit report. This inquiry, dated XX/XX/XXXX, was made without my knowledge or consent. Concerned by these unexplained entries, I immediately requested proof of authorization and questioned the accuracy of the entity names listed on my report. 
In my complaint, I underscored the importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), which oversees financial institutions. I urged these agencies to thoroughly investigate my case. 
Additionally, I have asked these agencies to determine whether there is a broader issue at playwhether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could lead to false or misleading information on credit reports. This not only undermines consumer rights but also jeopardizes the integrity of the entire credit reporting system. 
By sharing my experience, I hope to raise awareness and help others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies.

Its important to understand that a companys name must exactly match its legal registration, as outlined in official documents like articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, that entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. Ensuring the correct legal name appears on consumer credit reports is more than a formalityits a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.
Product: Student loan

My Sallie Mae loan was transferred to Navient which they have the right to do so. After exhausting all deferments I had to start paying on my student loans. On XX/XX/2012, I began working for a nonprofit and asked for the PSLE and kept being told it was not an option so I was paying 75 % of my income to this loan. I kept getting calls and do to language barriers, their representatives were not entering my correct banking information to set up my automatic payment withdrawals. I gave them the banking information and the the telephone number and was told this would be taken care of. After 4 missed payments, not my fault, this hit my credit. I have asked for them to be removed and was denied. I also found out they were deceptive in the fact that that since I did work for a XXXX, I did qualify for the PSLE and transferred my loan to XXXX XXXX and have had no other issues. Their deceptive tactics need to be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian ) - XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions 15 U.S.C 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 15 U.S. Code 1681c2 Subsection 3 : if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.
Product: Credit reporting or other personal consumer reports

i went to apply for a home loan and i was turned down do to my credit, upon reviewing my credit i discovered that am a victim of identity theft, someone has been using my identity to obtain services and goods using my personal information.there are fraudulent address, phone numbers and email address listed on my current credit report that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX Business Type : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX NA Inquired on XX/XX/XXXX Business Type : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX  XXXX  Inquired on XX/XX/XXXX Business Type : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : PeXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Cease and Desist Communication Regarding Alleged Account Request for Deletion To Whom It May Concern : I demand manual review!!

This letter serves as formal notice under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and is being sent regarding an alleged account with XXXX XXXX that has been reported as closed and charged off. I assert that your furnishing of my credit information to consumer reporting agencies was done without my written consent, violating federal law. 

Basis of Complaint and Legal Violations : 1. Lack of Written Consent : Under 15 U.S.C. 1681b ( a ), you are required to obtain my explicit written consent to furnish my credit information. At no point did I provide such consent. Reporting this account without proper authorization constitutes a clear violation of the FCRA.

2. Demand for Manual Review : I am requesting a manual review of my records to identify and confirm the lack of written consent associated with the furnishing of this account. In addition, reporting inaccurate or unverifiable information is strictly prohibited under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

3. Right to Cease and Desist : Pursuant to 15 U.S.C. 1681c ( a ), you must immediately cease all communication regarding this alleged debt, including communication with consumer reporting agencies. Reporting to credit bureaus constitutes a form of communication and must also cease.

Action Demanded : I demand the following corrective actions : 1. Immediate Deletion : Remove all references to this account from my credit report with all consumer reporting agencies.

2. Letter of Deletion : Provide a formal letter of deletion notice, confirming that the account has been removed, and send it to my email address at [ XXXX ]. 
3. Notification to Consumer Reporting Agencies : Notify all credit reporting agencies to which this account has been furnished that the account was reported without authorization and must be permanently deleted.

Failure to comply with these requests will leave me no choice but to pursue legal remedies. This includes filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), as well as initiating arbitration or litigation under 15 U.S.C. 1681n for willful noncompliance or 15 U.S.C. 1681o for negligent noncompliance. 

This matter must be resolved within 30 days of receipt of this letter. If no action is taken, I will proceed accordingly. 

Sincerely, [ XXXX XXXX XXXX XXXX
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. 


Convergent Account # XXXX XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX XXXX balance XXXX  XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX XXXX $ Balance XXXX XXXX XXXX XXXX XXXX - Opened XXXX, XXXX XXXX $ Balance XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX $ Balance XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX XXXX $ Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX -Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
-Opened XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX $ balance 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followinc 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

Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it report and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these account were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report. 
As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been reporting the same XXXX on my account for years now they have at this point duplicated the account for the exact same amount they have refused to response any of my letters as well as a TransUnion dispute and and Equifax dispute they have completely just went rogue and duplicate the same account on my credit reports for all the bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation into potential fraudulent activity on my credit report. After reviewing my credit report, I noticed inquiries that I do not recognize and believe to be fraudulent. See below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

At XXXX XX/XX/XXXX I received a call from " unknown ''. The lady immediately told me " I am trying to reach XXXX XXXX, or leave a message of urgent importance regarding documents ''. I offered to take a message rather than confirm my identity. She provided no company name but told me to call XXXX and reference XXXX for " documents to be served from XXXX County Courts ''. 

Upon calling back at XXXX a new lady answered " corporate, how can I help you ''. I provided the reference number, and my name. She asked " how can I help you '' to which i replied I do not know, you called me. She " documents were served, did you receive them? '' I asked who she works for to which she finally replied " XXXX XXXX XXXX '', still not telling me the intent of the call or that it is to collect a debt. She verified my address and last four of social before offering to tell me why. After a brief hold she came back on the line to state " We are attempting to serve papers for civil suit filed for a Bank of America debt ''. 

I informed the lady the debt has been paid since XX/XX/XXXX and I have pay off letter. She offered a fax number XXXX. I asked for an address to send certified, to no avail. 

They have also called my ex-sister in law from 8 years back, my grandmother, my old roommate, and more all in one day.
Product: Credit reporting or other personal consumer reports

Requested opt out... 
XX/XX/2023 XXXX XXXX XXXX Subject : Opting-Out of Authorizations as a Federally Protected Consumer Dear XXXX XXXX, I am writing to inform you, as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), that I am opting out of any and all authorizations I may have given you, whether written, unwritten, verbal, or nonverbal, as outlined in Section 15 U.S.C. 1681b of the FCRA and 16 CFR 313.7 ( g ) ( 1 ).

As I exercise my rights under the FCRA, I kindly request that you immediately cease any activity or use of my personal information that was previously authorized. This opt-out applies to all current and future authorizations.

Please ensure that my personal information is removed from any databases, mailing lists, or any other sources used for commercial purposes. Kindly confirm in writing that you have implemented my request within thirty ( 30 ) days of receiving this letter.. 
In compliance with federal regulations, I would like to continue receiving periodic statements and any llegally mandated communications regarding my account. However, any other uses or sharing of my information should cease immediately. 
I appreciate your understanding and cooperation in this matter. Failure to comply with my request may result in the violation of federal law, and I may be inclined to pursue legal action to protect my rights as a consumer. 
Should you have any questions or require any additional information concerning this matter, please do not hesitate to contact me In writing only, at above address. Thank you for your prompt attention to this request. 
Yours sincerely,
Product: Checking or savings account

WellsFargo gave access to my account to another individual in New York and froze my access back in 2011. They shared personal information with that individual. Despite being a customer for many years.
Product: Credit reporting or other personal consumer reports

I disputed back in XXXX of XXXX with Experian for fraud inquires from XXXX XXXX XXXX and XXXX XXXX and Experian blocked the inquires and told both XXXX XXXX And XXXX that it was fraud and when the accounts hit my credit file they blocked the accounts from XXXX XXXX  on Experian. Then XXXX XXXX changed the account number and dollar amount and placed it back on my Experian credit file as new but with the original opening date as the last account. I talked to the upper fraud team and they said this was clearly fraud on XXXX XXXX  and this isn't right. So they blocked it several times and XXXX XXXX  kept requesting to have it unblocked as it was verified as mine. Like no proof just fords word. I have submitted several police reports and FTC identity theft reports and original documents that Experian sent me back in XXXX that the account were deems as fraud from XXXX. They have allowed XXXX XXXX  to change the address several times and change the account several times to keep this account on my credit file. Experian has blocked this address linked to this account several times but keeps allowing XXXX XXXX  to unblock it but there has been XXXX accounts under that address on XXXX XXXX XXXX XXXX North Carolina XXXX as fraud account and the banks have removed them and local and state law enforcement has deemed that address as a fraud address for over XXXX victims. Experian XXXX knows all of this but keeps allowing XXXX XXXX to unblock the account and put it back on my credit file. knowing that it's fraud. I have XXXX all to proof and XXXX has shown nothing but now I'm losing my house because the bank is calling in the loan because of this XXXX XXXX Account. Now I'm getting more fraud loans added to my credit file to Experian because this address in XXXX NC is unblocked. The mixed department fraud agent stated on XX/XX/XXXX they clearly this account is fraud because XXXX XXXX  removed the other ones as fraud and deemed the address in XXXX NC as a fraud address but fraud keeps unboxing this account as its mine and Experian has knowledge that its not mine. legal actions will come forward on both XXXX XXXX and Experian if this account isn't blocked and address in XXXX isn't blocked for good. XXXX and XXXX both have blocked this account and address and its never came back on the credit file, XXXX XXXX has tried but XXXX and XXXX has gotten it blocked permanent and XXXX lost the rights over this trade line. Now XXXX XXXX is changing the account numbers and balance on the trade line like as I'm paying the balance down and which that's isn't true and Experian is allowing this. I have XXXX and this is causing so much stress in my life. XXXX XXXX is known for this because the same case happened in CA ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX was found guilty and had to pay out XXXX for abuse of credit rights and Experian was also fined. All want is this account to be removed and permanently block like XXXX and XXXX. The proof is right in front of you so please help me please.
Product: Student loan

Mohela is not accessible online for over a year. I requested an updated statement to be sent via mail or paperless and neither were provided. 

Even when you call customer service when they open the wait time is extremely long. 

An online transition complete date is needed ASAP. Everyone should have ease of access to properly track money owed and receive digital statements.
Product: Credit card or prepaid card

At the end of XX/XX/2020, I signed up for auto-pay with CITI-card at the same time as I did successfully the same day for another credit card and for a couple of additional recurring expenses. 

The following sequence of events then occurred : 1. XX/XX/2020 - I received an email from CITI stating my balance and nothing more. I thought great, it will come out through auto-pay 2. XX/XX/2020 I received a CITI email indicating that as of XX/XX/2020 my bill was past due. I have no idea why they didn't inform me on that day. I was charged a late fee and interest. 

3. XX/XX/2020 I did an electronic fund transfer to pay the bill in full. I called CITI to see why it had not been taken out automatically. They informed me that I had only signed up to pay electronically but not for auto-pay as I thought. I had done arranged auto-pay successfully for XXXX XXXX and 3 other companies on the same day. Apparently I wasn't capable of figuring the process on the CITI website. CITI waived the interest but not the late fee. 

XX/XX/2020 I received another CITI email indicating that my bill was past due ( even though it had been paid of the day before ). I called CITI and was informed that my bill was not paid off and that I could have found this out by checking my account by phone or going on line. I was told not to worry about it. 

XX/XX/2020 I received another CITI email indicating that my bill was past due ( I checked online and it wasn't past due ). I called CITI again and they said that I was paid up and not to worry about it. 

XX/XX/2020 I received a second email. this one indicated that " Your Account Will Remain Open ''. I didn't even know that there was a question of my account being closed. 

XX/XX/2020 I received another CITI email early in the AM indicating the bill was past due. I checked online and it wasn't. I called CitI again and was again told not to worry about it. I asked to speak with a supervisor and have heard nothing further. 

I have no way to know if these CITI emails represent planned harassment to discourage people form being late for payments or incompetent account management by CITI. Neither option puts CITI in a good light. I also have no way to know if someone has stolen my identity and has a CITI account with my name that is unpaid. 

In short, CITI has been of no help in clearing this up.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was sold to collections which I have already paid off and they have already removed their self off my credit report this account only appears on one of my credit reports even thou it was sold off reports inaccurate information on my credit profile
Product: Payday loan, title loan, or personal loan

I borrowed {$500.00} last XXXX from this company called Integra Credit. They of course quickly went through all their many terms, but never sent me a copy.

I have made payments in the amount of {$1200.00} and just submitted another payment today for the " missed payment '' in the amount of {$79.00} to be processed within the next few days.

I shouldn't have had any missed payments since they are being automatically withdrawn on my paydays. What seemed to have happend when I looked at my bank was they tried to withdraw the payment right before my direct deposit went in on my pay day. My bank of course also charged me a return ach fee when it happened. Integra Credit then proceeded to call me every single day, twice a day, about this past due payment. It was harrassing and especially disruptive since I work during the day. 

I just logged into their website and it says I still over {$340.00}. I feel like it is fraudulent for a loan company to make over a thousand dollars in interest on a {$500.00} loan.

I tried calling and asked the customer service rep if she would close my account. She put me on hold for about 10 minutes to get a manager, then told me they would call me back, however they have not. 

Can you please help me?
Product: Checking or savings account

Someone tried to open a bank account using my information at PNC Bank on XX/XX/2024. 
I received a letter, informing me about opening of the bank account, and about a pin number being set up for debit card. I never opened any account with this bank.
Product: Checking or savings account

I have a savings account with {$800.00} dollars. The bank charged me a {$120.00} management fee. I told them that was egregious and it should be lower. They said there is nothing they could do about it. That's to cover their cost.
Product: Payday loan, title loan, or personal loan

The online account/payment system in use by XXXX XXXX handles passwords in an insecure manner. Forgotten passwords are sent via email in " Plain text '', instead of a password reset. 
This indicates the password is stored as-is, instead of being hashed. This is also often an indicator that other account data is not being encrypted when stored. 
Further, the password in the email is all capital letters, which raises another red flag. On testing, I confirmed that the password field to log in is not case sensitive, further weakening whatever password is used. 
Please take your customer 's security seriously.
Product: Prepaid card

This is my second complaint. The first one was XXXX. On XX/XX/year> I opened a case with blackhawk. I have a lot of redemption codes that I got for my work and maybe of them give errors. I sent them the entire list of codes I had and asked them which ones hadn't been redeemed because many times their website gives errors when redeeming. Since then, they have blocked the codes that I know for a fact weren't redeemed yet and have been putting my case on hold every few days. They have over XXXX XXXX of my money. The case number is XXXX. I was promised in complaint XXXX that they would actually give service. They have done the exact opposite. This company needs to be regulated. Its is unfair that they hold my money XXXX like this for almost a month.