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

According to the Fair Credit Reporting Act 15 USC 1681, section 602, it is stated, There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax, Experian, and TransUnion are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt shared, which is backed by 15 USC 6801, which states, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX  is a financial institution by definition under that title. 15 USC 1681, section 604 ( a ), subsection 2 states, In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX, the financial institution, and the Consumer reporting agencies, Experian, Equifax, and TransUnion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, Experian, TransUnion, and XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX XXXX ( b ) ( c ) states, A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that, XXXX XXXX XXXX ( a ) ( XXXX ) states, Except as authorized under subsection ( b ), no consumer reporting agency XXXX make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. This account is an adverse item they are reporting, again, without my permission, which violates the law. XXXX XXXX XXXX ( A ) ( XXXX ) states, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX states, XXXX consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. Equifax, Experian, and TransUnion are not maintaining reasonable procedures. As a further note, XXXX CFR section XXXX states, A consumer XXXX exercise the right to opt out at any time. I am option out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint due to several unauthorized inquiries showing on my credit report. At the time I received those credit inquiries on my Equifax credit report there was a fraud alert on my account and anytime someone runs my credit I was to be notified and I was not. therefore my consumer rights were violated. I also contacted Equifax via mail and phone but I was denied to get these items removed from my credit report. That is a violation of FCRA requirements. I contacted each creditor through phone and was told that they could not provide me with any info and through mail I heard nothing back that was well over a month ago. I 've contacted Equifax and stated this, I was constantly told to contact creditor even after I told you all that I have not received a response. I did not give any one of these creditors permissible purpose to pull my credit and as I stated before a fraud alert was on my acct. I should have been alerted and that was not in full compliance with the FCRA. I do not do business with neither one of the companies that accessed my credit report. I would like Equifax to furnish proof from each creditor stating that permission was in fact given I would like proof with in 30 days. If you all can not furnish proof with in 30 days I would like for u to comply with the FCRA and remove each inquiry from my credit report.
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The list of unauthorized credit inquiries consist of :   XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX    Inq uiry from  XX/XX/XXXX    XXXX   XXXX   XXXX   Inquiry from  XX/XX/XXXX   XXXX  Inquiry from XX/XX/XXXX   XXXX   Inquiry from XX/XX/XXXX    XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX    Inquiry from XX/XX/XXXX   XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX   Inquiry from XX/XX/XXXX   XXXX  Inquiry from  XX/XX/XXXX    XXXX   XXXX    Inquiry from  XX/XX/XXXX    XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from  XX/XX/XXXX
Product: Credit card or prepaid card

Citibank USA credit card department declined my credit card application since I dont have SSN or ITIN, however, I have an active checking account with them which was opened XX/XX/2019. I also have an updated US address on my file. I believe they can easily verify my identity due to the fact that I am already a Citibank customer. English is not my first language and I have an XXXX. I applied over the phone and declined my  application. In my opinion, I was discriminated.
Product: Credit card

Around XXXX I started noticing that a large amount of money was being taken out of my debit card and added to my credit card to pay bills. Because Im so busy and barely check emails I never checked and made a report. I then noticed that a charge of over {$800.00} was made on my credit card and I ended up reporting it but only received a new card but still my credit card was being used.
Product: Student loan

After falling behind on my payments for some time I called in to set up a payment plan I paid a lump sum to bring my account current to that point and then established a payment plan. I have paid the amount agreed upon since then on time, but now Navient is saying that agreement is not in effect and is harassing me, my co borrower and others who I listed as references. They acknowledge the plan but deny its in effect as it 's not tied in to a direct payment plan, but when I set it up the Rep never said it had to be on a direct payment plan. They keep raising my payments, though they do process the payments I send, but then because they keep billing more than the agreed upon amount, hitting me with late fees, and hitting my credit rating hard. I can not even talk to them on the phone as they become belligerent and threatening.
Product: Debt collection

On XX/XX/2020 a validation letter was delivered with certified mail to Kingston Data and credit at this day I dont receive anything to validate that debt I want them cease collection activity I dont want contact by this company anymore. I dont want them reporting such invalidated information to major credit bureaus.
Product: Credit reporting or other personal consumer reports

THIS IS A NEW COMPLAINT WITH NEW INFORMATION. 

An official validation letter was mailed to the address listed on your website on XX/XX/XXXX, and shown to be delivered on XX/XX/XXXX, to the " Front Desk/Reception/Mail Room ''. Even after filing a CFPB complaint, the company failed to validate this debt properly. The company 's response does not come close to the validation requested in the same letter attached to this complaint nor by what the CFPB considers validation. Merely citing a social security number and providing the balance amount, which I provided in my previous complaint, is not validation. This account shows a last activity date of XX/XX/XXXX, for XXXX and XX/XX/XXXX, for Equifax. The account was either changed, updated, or opened/closed in XX/XX/XXXX, or it wasn't -- the same for XX/XX/XXXX. There can't be two dates for the same account. The FCRA states that all reported accounts need to be verifiable and timely. If these dates hold true, which I assume they are, this constitutes that this account is NOT timely and may have violated the FCRA. Your failure to provide proper validation may have also violated the FDCPA. As a consumer, I am entitled to a credit file that is 100 % accurate, timely, and verifiable, which this account is not.
Product: Credit reporting

This dispute is being written in response to in-accurate crediting reporting on behalf of XXXX, Account XXXX I have been trying in vain to get this company to confirm that this is indeed a valid debt by way of sending me documentation indicating paper work I signed agreeing to open this account, statements and any other documents verifying the validity of this account. I have reached out to this company by letter, phone calls and fax continually over the course of the last year. When disputing the information through " XXXX '' " Equifax '' and " XXXX '' XXXX Is indicating that the reporting is accurate however please note the credit report I have attached which states otherwise. " XXXX '' is indicating this is a closed account however " XXXX '' and " Equifax '' are indicating the account is a charge off which is affecting my credit rating. I would like Equifax to change the reporting status of the account from " charge off '' to a " closed '' status which a representative from XXXX indicated would be done during a phone call on XXXX/XXXX/2015.
Product: Money transfer, virtual currency, or money service

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

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX BALANCED {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ISSUES WITH IN ACCURATE INFORMATION APPEAR ON MY CREDIT FILE. I HAD BEEN COMPROMISED LAST YEAR AND I WOULD LIKE THE FOLLOWING INFO DELETED REMOVED FROM MY CREDIT REPORT THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX , OH XXXX XXXX  XXXX XXXX  XXXX , OH XXXX, XXXX XXXX XXXX XXXX , OH XXXX, XXXX XXXX XXXX XXXX , OH XXXX,
Product: Debt collection

SyncB/PayPal Extras MC : They have multiple times stated that its been verified but they havent shown me any documentation to assist in where to dispute next. There is literally no way they can prove something that didnt happen did!
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXX Account XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> and XX/XX/year> ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Debt collection

Trans World Systems Inc. called me at XXXX on XX/XX/2016, which is past the XXXX cut off time. When I returned the call on XX/XX/2016, I was told that they have no record of my number. Regardless if I have business with them or not, they should not be calling past XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are  items I wish to dispute on my credit report : XXXX XXXX   XXXX, XXXX   XXXX/XXXX  XXXX, XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX. XXXX XXXX  XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXXXXXX for what I believe to be unlawful and unethical debt collection practices. Below are the details of my complaint : Debt Information : Reference Number : XXXX Original Creditor : Nissan Motor Acceptance Co. LLC Amount : {$19000.00} Nature of Complaint : Lack of Verification : Despite my requests, XXXX XXXX XXXX XXXX XXXX has failed to provide adequate documentation to verify the validity of the debt. 

Discrepancies in Amount : The amount claimed by XXXX XXXX XXXX XXXX XXXX differs from my records and includes unexplained fees or interest. 

Harassment : I have been contacted at inappropriate times ( early mornings and late evenings ) and subjected to aggressive or threatening language, which is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Inaccurate Reporting : XXXX XXXX XXXX XXXX XXXX has reported inaccurate information to credit bureaus, adversely affecting my credit score. 

Attempts to Resolve : I have contacted XXXX XXXX XXXX XXXX XXXX multiple times requesting verification of the debt and a breakdown of the amount claimed, but they have failed to respond appropriately. 

I have requested that XXXX  XXXX XXXX XXXX XXXX cease all collection activities until the debt is properly validated, but the harassment has continued. 

Any other relevant documentation, I appreciate the CFPB 's attention to this matter and look forward to your assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to the dealership to for an auto loan it was, they said it would only be from XXXX but 10 hard inquiries hit my credit. 


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: Debt collection

I noticed someone opened a cellphone line under my name, when it came to collection. i have never authorized anyone to do such thing. it is results of identity theft when i traveled to XXXX a few years ago. i urge you guys to take this off my credit because it does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2023, I submitted a request to block the accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 XXXX  data breach as well as XXXX 's 2017 data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$18000.00}
Product: Money transfer, virtual currency, or money service

Frozen account with over XXXX in it. Venmo is refusing both mine and the buyers request to refund, holding my money XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 36 inquiries in my credit report and I have never applied for all those companies, the only thing I ask is that they remove that from my credit because that is damaging my credit
Product: Credit reporting

Criminal Enterprise - Experian. I signed up for a credit report/Fico and while I apparently thought it was a one-time report, it apparently ( no doubt small print somewhere on payment page ) was a monthly recurring charge. Then when i saw these charges on my VISA, I learned that YOU MUST CALL XXXX NUMBER TO CANCEL. They have the most fantastic, most robust, most functional website on the planet, except you have to call XXXX, WAIT 30 MINUTES ON HOLD, to cancel!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : DEPT OF ED/XXXX  : XXXX -- -> : {$2900.00} DEPT OF ED/XXXX  : XXXX -- -> : {$1300.00} DEPT OF ED/XXXX  : XXXX -- -> : {$2900.00} DEPT OF ED/XXXX  : XXXX -- -> {$3900.00} DEPT OF ED/XXXX  : XXXX -- -> {$3700.00}
Product: Mortgage

Last year I was diagnosed with XXXX and on top of that, lost my position in the XXXX XXXX  that I had for over 20 years working with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was struggling, but doing fine making all my payments on time. In XX/XX/2020, because of this CoVid chaos, and me losing work, I was contacted by Chase Bank, my mortgage company, about if I needed payment assistance to contact them. I did, and I qualified for a 3 month payment deferment. When I spoke with the Chase associate, I specifically made sure that there was not some sort of balloon payment I would be responsible for at the end of the assistance program.In XXXX I contacted them again to see about another 3 month deferment, I qualified, again. And again I specifically asked the associate that there would be no balloon payment that I would not be responsible for at the end of this 6 months program. And again I was assured that the payments would simply be added to the end of the loan, only that the interest would build on the loan because of non-payment. I was ok with that. Forward to XX/XX/2020, while I was attempting to make a payment, I noticed the monthly payment was higher than expected, as I purchased a cheaper insurance, hence, my payment should have gone down, also. I was in the phone the week before with an escrow associate who guaranteed me that the monthly payment would be adjusted in a day or two. When it wasn't adjusted I contacted numerous associates in different departments at Chase. Everything seemed to be going fine when at the end the last associate said there was an 'error '. I asked what that meant, and she said that I don't qualify for the deferment, and that I owed all of the previous 6 months non-payment. I reiterated that I was qualified twice by two different  associates and they assured me that this wouldn't happen. 
I have been on the phone with several people today, pretty high up in the lending department, and they say that they are selling my loan to a different company, XXXX, and that nothing can be done since that process is already in motion. I said, " well, isn't that convenient ''!? The lending department associate just said, " yeah ''. As I stated before, I was assured that the missed payments would be added to the end of the loan, Chase went back on their word. What recourse do I have? Thank you for your time. 
XXXX
Product: Mortgage

I received a letter from my mortgage company, PennyMac, with this text on the outside : " IMPORTANT INFORMATION ABOUT YOUR HOME LOAN ''.

Of course I had to open the letter. ( After I realized it was an advertisement, I realized that looking for the presorted-standard postage was the clue that the text was a lie ) The letter offers me up to {$50000.00} with a cash-out refinance. 
Reading the fine print, they're offering me a {$340000.00} loan at an interest rate of 7.624 % after paying for XXXX discount points and with a XXXX score of XXXX. This will have a mortgage payment of $ XXXX ( without escrow ). 

My current interest rate is 2.75 % on about {$290000.00} balance ( XXXX years remaining ). My non-escrow mortgage payment is currently $ XXXX. They're looking to raise my monthly payment by $ XXXX. 

I guess I have several problems here. 

1 ) I think it is wildly dishonest to require my attention for an advertisement. Given the important financial relationship I have with PennyMac, I have to pay attention to communications from them ... so sending advertisements under the guise of " IMPORTANT INFORMATION ABOUT YOUR HOME LOAN '' is extremely misleading. 

2 ) PennyMac has all the information to know that this is a terrible deal for me. It is an absolutely usurious offer. There are very few situations where this offer would be anything other than a terrible deal designed to entrap a financially stressed person.

3 ) I had already requested to be opted out of marketing, but apparently that may have only applied to email marketing, not snail-mail too?

I have included images of the envelope, front/back of the letter, and insert. Please feel free to reach out to me with any questions.
Product: Credit reporting or other personal consumer reports

Discover account was open in XX/XX/XXXXXXXX  and on XX/XX/XXXXXXXX  the account was closed because Discover says they were unable to verify personal information and they closed the account. I was telling them all alone this wasn't my account. this item is still on all 3 of my credit report saying I owe XXXX dollars and its continuing to increase each month divesting my credit. It has hindered my from refinancing thus has cause financial trauma to me and my family. I have made over 10 plus attempts to the 3 credit bureaus and discover card them self with no resolved solution.