23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

ATTENTION : This is an ADDENDUM to COMPLAINT XXXX. This is NEW INFORMATION!!! BELOW SENT TO Barclays XXXX XXXXXXXX XXXX XXXX XXXX EXECUTIVE on XX/XX/year> in re Case XXXX_Permanent Credit Required - In your quest to avoid taking care of your customer by moving goalposts, I am concerned that you may attempt another move / creation.

This would be your fourth attempt where you offered a requirement, I met it, and then you come up with a new requirement / goal to be met! To review, past goalposts that you established in writing and then after I fully met them, you moved them! : 1 ) Look, just send us a PoD and well get you that permanent credit! I did so and then later received this, 2 ) Yeah, well, that PoD was all well and good but you see uhhh, we really wanted a PoD where you used the Pre-Paid address label from the merchant. Thats it, pre-paid address label, yeah, thats the ticket. I explained to Monica on the phone that this new requirement / goalpost made no sense because it would have resulted in a PoD just like the one I submitted to you. The only real difference is that I would not have had to use my own money to return the merchandise.

3 ) Okay, that PoD you sent was fine but you returned the merchandise for a different order! Yeah, thats it! Thats the ticket! Different order. As I already explained to XXXX, that new goalpost also doesnt work. Heres why. The order in dispute is ORDER XXXX. This is verified by the order document itself which clearly shows the order number XXXX, {$240.00} and the email from the merchant stating ORDER XXXX no need to return the merchandise and that he was refunding my charge. You and XXXX have had these documents for some time. 

I do hope that you dont attempt to move/ create a goalpost for a fourth time! I would like to emphasize that your duty, your raison dtre is to PROTECT YOUR CUSTOMER. 

I look forward, at long last, to a permanent credit for {$240.00}.
Product: Student loan

I am unable to lower my student loan payments to an amount that is reasonable for some of my private loans. I have some private loans with Navient and some with Sallie Mae ( we were also not told and were not aware that these companies split and took put half of my loans with each provider ). They will not allow me to enter a lower payment plan, and only offered me temporary forbearance which will inevitably make my debt higher. I was on a lower monthly payment plan paying approximately {$390.00} on my Navient private loans ( which mind you does not include the Sallie Mae {$400.00} payments or my federal loan payments ).  They are not telling me that I owe over {$700.00} a month on thee private loans. I have not been given any option aside from forbearance, or interest only payments which are still north of {$650.00} a month. 

This month, XX/XX/2019, I also received two emails within the same week stating that I owe two different amounts on my loans. It does not provide any context or clarity as to why I have received two separate statement. 

I should not have only been offered forbearance OR interest only payments which would not count towards my principal balance. These options do nothing but put myself as the borrower in a terrible position. Not only can I not afford what is being offered, going into forbearance will only cause my loans to increase.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling disputes, particularly regarding the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns for consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing this complaint AGAIN because I need to dispute information that I feel is inaccurate, incomplete, untimely, or unverifiable. I have contacted the furnishers and they have agreed to delete these accounts from my file but TransUnion has some internal block that they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the numerous complaints and letters, they claim they have an internal policy ( which is OUTSIDE FCRA laws ) So TransUnion feels they're above the letter of the law and will not explain their policy. 
So now, please provide documents that show the following information is 100 % true, accurate, complete & verifiable. If youre unable to provide me with your methods of verification or verify the legitimacy of the information I need you to remove them from my file. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I AM BEING HOUNDED BY PUGET SOUND COLLECTIONS FOR 11 DEBTS I AM NOT LIABLE FOR. I WAS A PATIENT IN A COUPLE OF HOSPITALS OWNED BY XXXX XXXX XXXX. I AM A XXXX XXXX  XXXX VETERAN. THE CHARGES INCURRED WERE PAID BY THE DEPT. OF VETERANS AFFAIRS. THE HOSPITAL SHOULD KNOW THAT THE AMOUNT ACCEPTED AS PAYMENT IS CONSIDERED " PAID IN FULL ''. THE VETERAN IS NOT LIABLE OR CAN NOT BE BILLED FOR ANY OUTSTANDING BALANCE. IF XXXX CAN NOT COLLECT THE BALANCES FROM THE VETERAN, THEY TURN THE AMOUNTS OVER FOR COLLECTION TO PUGET SOUND COLLECTIONS. I HAVE SENT THE COLLECTION AGENCY LETTERS, I HAVE CALLED, THE DEPT OF VETERANS AFFAIRS HAS CALLED AND THEY REFUSE TO REMOVE THESE FROM MY CREDIT REPORTS. THEY EVEN SHOW ONE DEBT OF {$420.00} AS JOINT AND ALSO REPORT THE COLLECTION ON MY WIFE 'S CREDIT REPORT. I AM HOPING THAT THE AGENCY WILL TAKE YOUR ADVICE AND CEASE FROM DESTROYING VETERANS CREDIT!!
Product: Mortgage

this is an on going problem since 2010 wells fargo stole my families home from their fraudulent fourclousure practices I have solid proof of their fraud stealing my home, not trying to help me with any type of loan modification, remember that pick-a-payment plan, well my father was tricked into that, and not only that wells fargo filed fraudulent paperwork with san XXXX XXXX XXXX XXXX I cant believe after all this time they cant seem to admitt, they stole my house and compensate me for my loss, that house was in my family for 30 years,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX In accordance with the Fair Credit Reporting Act Source Receivables Account # XXXX has violated my rights. 

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

In accordance with The Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX 15 U.S. Code & 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identify theft. 

My action was dispute with the companies wasn't getting no written notice or respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report the following accounts have been proven to be incorrect my XXXX XXXX and XXXX please delete the following accounts. XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX and all accounts related to XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX and XXXX XXXX and all accounts associated with XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Vehicle loan or lease

I have been fighting this for quite some time against QUALITY ACCEPTANCE and XXXX XXXX. The issues are huge and plentiful. And at no point has other company done anything to fix issues. I got a letter from NEVADA GOVERNOR OFFICE who found my issues and complaints to be accurate. The Governor office sent the issues to CONSUMER AFFAIRS in NEVADA to assist in my issues. I spoke to CONSUMER AFFAIRS who indeed found my complaints and issues to be more than valid, they have recently submitted my complaints and issues about XXXX XXXX and QUALITY ACCEPTANCE to DMV INVESTIGATORS and DEPARTMENT OF BUSINESS AND INDUSTRY on behalf of the GOVERNOR OFFICE and CONSUMER AFFAIRS. Not only are the issues huge, but XXXX XXXX at QUALITY ACCEPTANCE called an officer of the law and said I was calling and texting her threatening things. I did email QUALITY ACCEPTANCE never here specifically, but in my letters I did express extreme anger and hoping XXXX found guilty and sent to prison due to fact she has NEVER returned a call and her letters to me are XXXX, cross and never ever does she discuss the issues. And I did use the XXXX word. But, I did not call a cop and make illegal statement like she did and I do not try to cover up a crime. XXXX XXXX And QUALITY ACCEPTANCE committed these issues TO NAME JUST A FEW : Lied to make a sale saying they would change high interest rate a year later just to make a sale, used unethical business practice to make a sale, charged a high interest knowing we were victims of a huge robbery and identity theft when the prior car we obtained from them was only % 4 verses the now % 19.95, on paperwork put the {$2000.00} deposit, and bunch of other items in the final payment, where we were to pay {$12000.00} for the junkie fifth rate car they dubbed sold us, the put the overly high and gross interest rate on over {$15000.00}, with the down payment and everything else the car ended up costing over {$19000.00} for a car that only cost a little over {$14000.00}, called repeatedly after called manager to warn them they were breaking FTC commission laws ( BUT CALLED REPEATEDLY AND WAS AGGRESSIVE FOR NO REASON, after a year of making payments found out XXXX XXXX illegally lied about saying they could lower interest rate so turned car in upon turning the car in QUALITY ACCEPTANCE NEVER CONTACTED US TO LET US KNOW WHETHER OR NOT WE WANTED TO BUY THE CAR OUT RIGHT OR TO LET US KNOW IT WAS GOING TO AUCTION, on top of that QUALITY ACCEPTANCE FLATLY REFUSES TO SEND A SALES SHEET OF HOW MUCH THE CAR ACTUALLY MADE AT THEIR ILLEGAL AUCTION, ON TOP OF THAT ON TOP OF THAT ON TOP OF, QUALITY ACCEPTANCE IMMEDIATELY SENT OUT THREATENING LETTER ABOUT SUING WHICH THE LAW HAS VERY SPECIFIC LAWS ABOUT THREATENING CONSUMERS WITH SUING ( A COMPANY MUST SUE IF THEY ARE GON NA SUE NOT SENDING THREATENING LETTER AFTER LETTER ESPECIALLY WHEN QUALITY ACCEPTANCE FELT THEY COULD BULLY AND HARASS US SO WE COULD LINE THEIR POCKETS WITH EXTRA EXTRA MONEY )
Product: Mortgage

Hi There We have the mortgage from Siwell Inc. dba XXXX XXXX XXXX of Texas ( NMLS XXXX ) My Loan # is XXXX. We are refinancing this mortgage with some other lender and requested the pay off request from XXXX XXXX on XX/XX/XXXX. Despite of out more than one dozen call and fax requests they are not giving our pay off amount. They always transfer the call to a loan officer instead on customer service and loan officer try to sell us other mortgage. Today is XX/XX/XXXX and my lock with other lender is expiring on XX/XX/XXXX and the pay off is the only one loan approval condition left. Why these unethical companies let loose to work and bother the people who are their loyal customers My Info XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked Equifax for evidence to support inquires showing on my credit report within the last two years, but they repeatedly have failed to provide me with a copy of any viable evidence submitted by various companies substantiating their claims that they had a permissible purpose. I did not authorize for my credit reports to be given to these companies nor did I ask anyone from these companies to access my reports. 

Equifax states that these companies had a permissible purpose but have not provided me with any documents showing so. 

I need to know the name of the person from each of the companies that received my credit reports from Equifax and for what permissible purpose as well as all documentation Equifax received to give these companies access to my credit reports. I am also requesting the name of the person from Equifax that provided my reports to these companies. I need to see documentation on all inquires listed on my Equifax credit file or all those inquiries that do not have authorized documentation by me need to be deleted! 

On XX/XX/XXXX, I placed a security freeze with all three credit bureaus to prevent unauthorized access of my credit file. A copy of the security freeze is attached to this complaint. Equifax ignored the security freeze and allowed these companies access to my file without my knowledge. I also provided paperwork to Equifax making them aware that my name was found to be in 4 data breaches. A copy of the letter is attached to this complaint.

The only inquires that I authorized in the last two years were XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX. All other inquires on other dates was not authorized by me. 

I demand that Equifax delete all other unauthorized inquiries immediately. 

Please help me resolve this problem with Equifax as I am frustrated with their intentional, reckless and unfair handling of my credit file. 

A copy of this complaint will be sent to the FTC, XXXX XXXX AG, XXXX AG, The XXXX  and my legal counsel.
Product: Credit reporting or other personal consumer reports

You say that you have reinvestigated these accounts but you've admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. 


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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
XXXX XXXX XXXX XXXX {$0.00} XXXX XX/XX/XXXX XXXX XXXX {$810.00} XXXX XX/XX/XXXX XXXX  XXXX {$0.00} XXXX XX/XX/XXXXXXXX XXXX {$0.00} XXXX XX/XX/XXXX XXXX XXXX {$0.00} XXXX XX/XX/XXXX XXXX XXXX {$3400.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$85.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$700.00} XXXX XX/XX/XXXX XXXX XXXX {$740.00} XXXX XX/XX/XXXX XXXX XXXX {$3400.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$480.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$560.00} XXXX XX/XX/XXXX XXXX, XXXX {$7800.00} XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 

1. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX/XXXX  Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
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 XXXX XXXX XXXX. 

List of Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Debt collection

on XXXX my identity was stolen and was use a XXXX XXXX hospital to recieve medical attention and the amount was {$600.00}
Product: Checking or savings account

From XXXX  until recently, NFCU has allowed for transactions to be paid out of my account that caused it to go into overdraft. They then charged me many overdraft fees which caused the account to go further into overdraft. The company when contacted stated that theres nothing they can do. The fees ranged from {$29.00} to {$35.00}.
Product: Credit card

XXXX switched over the credit cards from XXXX XXXX to Citibank Visa card on XXXX XXXX, 2016. 
In process all the charges which were made on my XXXX XXXX were also transfered to Citibank ( without my knowledge ). My XXXX account was set up for autopay and would have been paid by end of the month. But because of this transfer, Citibank charged me the late fee and interest. This is a huge inconvenience and bad practice.
Product: Credit reporting

I filled BK in 2012 so everything was discharged including all tax liens. 
In all XXXX credit bureaus still shows that i owe tax liens and property lien. 

I have proves from the court, BK discharge certificate. Please assist. 
XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My current and only address is XXXX XXXX XXXX XXXX XXXX, NY XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately delete any and all social security numbers that your company is reporting on my credit report. 

My date of birth is XX/XX/. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My phone number is XXXX. I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

I do NOT have any requisite spouses nor roommates nor co-applicants and I do NOT desire any spouses or roommates or co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

Thank you, in advance, for honoring my requests. Its my understanding that you have up to thirty days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Once you have removed the inaccurate information I would like my full completed and corrected credit report showing these changes mailed to XXXX XXXX XXXX XXXX XXXX NY XXXX. Thank you.