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

Under the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ( a ) ), consumer reporting agencies are required to carry out their responsibilities with fairness, impartiality, and respect for consumer privacy. XXXX, XXXX, and XXXX are consumer reporting agencies, and as a consumer, I have the right to ensure my private information is not unlawfully shared. 
This right is further upheld by 15 USC 6801, which mandates that financial institutions have an ongoing duty to protect the security and confidentiality of customers nonpublic personal information. XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX as financial institutions, are bound by this obligation.

According to 15 USC 1681, Section 604 ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report with the written instructions of the consumer. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, and XXXX do not have my written consent to furnish or report my information. Therefore, I am revoking any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise. 
Additionally, under 15 USC 6802 ( b ) ( c ), a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to opt out. XXXX XXXX, XXXX XXXX, and XXXX XXXX failed to provide me with this required disclosure, violating my rights under this statute. 
Furthermore, 15 USC 1681c ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse information in a consumer report that is more than seven years old, except for criminal convictions. These accounts are adverse items being reported without my consent, which is a violation of federal law.

Under 15 USC 1681s2 ( A ) ( 1 ) ( A ), furnishers of information must not provide inaccurate information to consumer reporting agencies if they know or have reasonable cause to believe it is incorrect. Additionally, 15 USC 1681e requires consumer reporting agencies to maintain reasonable procedures to prevent violations of Section 1681c and to ensure that reports are only furnished for legally permitted purposes. XXXX, XXXX, and XXXX are failing to uphold these legal requirements. 
Lastly, under 12 CFR 1016.7, consumers have the right to opt out of information sharing at any time. I am exercising my right to opt out of their reporting services effective immediately.
Product: Debt collection

XXXX, {$1500.00}, Reported to XXXX on my credit report from this company LVNV FUNDING LLC I am not liable for this debt and I do not have a contract with : Company : LVNV FUNDING LLC Address : C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX
Product: Debt collection

I do not have the loan from Chase mortgage company anymore. I owe nothing on the account and they are report negative payment. They sold my loan to another mortgage company XXXX
Product: Debt collection

XXXX XXXX, XXXX I called EOS CCA loacted via XXXX XXXX XXXX XXXXXXXX, XXXX MA XXXX, with a phone number XXXX and spoke to a XXXX at about XXXX and told her that I had recently received this letter/statement with a demand to pay dated XXXX XXXX XXXX and that I would like to orally dispute the debt. It stated that the debt was for {$280.00} for original creditor XXXX. I informed XXXX that I do not know anything about this debt and that I saw they had placed the information on my credit report where she then informed me they do n't really have to verify any debts. They place the debt which they purchased from XXXX on XXXX XXXX XXXX. I informed XXXX that the collections is reporting XXXX XXXX XXXX and that it is negatively impacting my credit and Id also like the to provide me with a copy of the contract she now claimed that I signed with them. She then stated well we purchased the debt from XXXX and now you owe us. I asked XXXX to delete this collections they have placed on my credit she said they would not until I paid. I asked her what actions they will take about my oral dispute XXXX stated that I need to put the dispute in writing and that is the only time they will pay any attention to me. XXXX also stated they sent prior communication some time in XXXX that I never received. I asked her then if they purchased this alleged debt XXXX XXXX XXXX why did it report XXXX XXXX XXXX and why am I only now receiving this communication? XXXX stated she did not know but I can put my dispute in writing and they will leave the collections on my credit report and that they bought the debt so I owe it.
Product: Credit reporting or other personal consumer reports

Dear Experian This Notice is a Good Faith attempt to resolve the inaccuracies being reported on my Consumer Report. It has come to my attention, that Pursuant to the Fair credit Reporting Act you are Responsible for assuring Maximum Accuracy of the reported information. However, the XXXX thats stored on my consumer file is inaccurate, incorrect and inequitable. The Reported data is Unsecured Credit representing a Debt that the Creditor XXXX has failed to RECLAIM for the use, continuation, and expansion of this Credit Account. I am being personally Effected by the XXXX XXXX Unfair actions of the inaccurate information being Reported. Based on the lack of Good Faith by XXXX Creditor is at XXXX for XXXX to show Respects to the Account in providing Adequate Performance to the Terms and Provisions needed for Applicable and Governing laws to be applied for this Consumer Transaction. These actions are unfair, inaccurate and not genuine based on the material misrepresentation of the XXXX Account. Please update and make the necessary changes to the Consumer Report by VALIDATING the completeness and accuracy reporting a Credit Account or Delete the false, and inaccurate Reporting of this Account. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

False Alligation claiming that I attended a school in that they have evidence showing that I attended this school which indeed is false I live in a whole different County!!!! I have proof that I never live in that county they stating I attended school at. I have been a victim of identity theft And willing to seek legal reputation if this matter isnt drop. I never attended The XXXX school before they have been harassing me for years they call me a few years back stating I had also attended a program in XXXX XXXX Florida before im sick of being harassed by this company and want them stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been reporting on my consumer file the following collection agencies XXXX XXXX XXXX  {$2500.00} and XXXX XXXX XXXX {$400.00}. These collection agencies are not licensed in the State  of Maryland and can not make any attempt to collect a debt.
Product: Debt collection

i received a call today ( XXXX ) from XXXX XXXX XXXX telling me i am in the rears on a synchrony bank/paypal credit card. I told them this is wrong, since i closed that account in XX/XX/2012 and the debt was paid off. I called XXXX XXXX  who shows this card was closed with a XXXX  balance and XXXX who says the same, account closed and no balance due. When i called back to XXXX XXXX XXXX they wanted more personal information that I was not going to give over the phone to someone i don't know and that i was reporting this to you. 
thank you XXXX XXXX XXXX XXXX XXXX XXXX, va XXXX Phone number - XXXX XXXX used this phone number to contact me : ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/23, I communicated with an Experian agent. I was having trouble with verification. She stated that she took care of it and that my account would be activated within XXXX hours, and to watch my email for a Welcome letter. On XX/XX/23, I had not received anything and my account was not activated. I called again. Another agent said my account was not activated, that would be another XXXX hours. I called again, a hour later, because something felt off. I was told my account was canceled and to try again in XXXX hours.
Product: Debt collection

I contacted MERCHANTS & MEDICAL CREDIT CORPORATION INC on XX/XX/XXXX reguarding a collection they put on my XXXX  credit report for {$120.00}. I told them i dont owe them anything i never signed a contract with there company for anything and if they do have proof of me owing them a debt to please foward all information of validation to me as of XX/XX/XXXX the company has refuse to respond to my request. On XX/XX/XXXX they sent a verification to XXXX  saying the debt is mine but refuse to provide and proof that it is.
Product: Money transfer, virtual currency, or money service

There was an unauthorized transaction from my paypal account. 
Transaction ID XXXX amount is {$1000.00} I claimed the fraud activity and reported this to paypal yesterday but it was still authorized by paypal. And paypal is not letting me to reopen the case again. 

I live in USA, I have never been to XXXX and I don't have any affiliation with the company the transaction went through.
Product: Credit reporting, credit repair services, or other personal consumer reports

I live in a house in XXXX XXXX XXXX, Florida, and have been here since XX/XX/XXXX. I always pay mortgage on time, even during XX/XX/XXXX-XX/XX/XXXX period when over half the houses on my block were empty due to the financial crisis. In XX/XX/XXXX after Hurricane Irma my small business and house took on financial as well as property damage and I learned about contacting my mortgage company for a 90 day forbearance to get myself caught up. I called Mr. Cooper, who is my mortgage company, and had several conversations with their representative, who explained there would be no late fees and penalties for 90 days at which time I would be responsible for the amounts due, they even told me to try to pay what I could every month so that there would not be large number due, which I did. I am completely even at this time but they have put a mark on my credit score saying I've been late. when I contacted them they said they have no record of my request but that it does show I called in XX/XX/XXXX ... they have no reason listed for my calls ... .maybe it was about the XXXX XXXX! I have since talked to other people who have the same experience with Mr. Cooper..AKA Nationstar ... AKA XXXX XXXX XXXX , one of the largest bailout recipients. They're doing the name change shuffle. This forbearance is a federally funded program and I have a FHA loan. It's bad enough to go thru Hurricanes and loss of business, they should have told me they wouldn't honor this program and I would have borrowed funds from a friend or something else. Can you help or is this the way corporations are allowed to operate? Thank you for listening.
Product: Vehicle loan or lease

XXXX of XXXX, i was told i was supposed to put a down payment for a XXXX car plus trade in my paid off car ( XXXX ) for an XXXX XXXX  ( previously recked ) because my credit score was low i wasnt sure i could go anywhere else and becuase i was a womanXXXX XXXX XXXX Fradulently told me information that would benefit them more. not only was i sold a XXXX car for XXXX but was charged XXXX in interest. i wasnt aware back then but im well aware now. fraud has no statue limits. i would like a full Refund asap.
Product: Student loan

Trying to get student loan forgiveness on my load from XXXX XXXXXXXX XXXX. I was looking to file under school related discharge but the portal to use this on MOHELA was never opened. And now with XXXX having access to my information I am concerned about how this will be handled going forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan with Mohela/DoFed is showing a balance of {$58000.00}. My balance is actually {$0.00}. That needs to be updated asap.
Product: Credit card

Dear CFPB, I am writing to express my extreme frustration and dissatisfaction with Wells Fargo Bank in the ongoing dispute I have with them. I recently had a 50-minute conversation with them in which they claimed to have initiated the processing of four disputed transactions and provided claim IDs : - XXXX - XXXX - XXXX While this might appear to be progress, a significant concern remains. When I inquired about whether I would be required to make payments for these pending claims next month, Wells Fargo 's response was utterly unsatisfactory. Instead of providing a clear answer, they shuffled me between multiple departments, leaving me without a resolution. Eventually, I was told that these claims are still pending due to missing documentation. 

It is crucial to emphasize that I have diligently followed Wells Fargo 's process, reporting each claim over the phone and providing all requested information based on their inquiries. Despite my full cooperation, they persist in delaying and evading the claims ' processing. Their claim that I haven't provided the necessary information is confounding, especially when I possess the claim IDs as evidence. 

This situation clearly indicates the bank 's intent to procrastinate and allow these claims to linger indefinitely. It is evident that Wells Fargo 's actions are not aligned with their purported commitment to promptly and transparently resolve disputes. Their inability to address these claims raises serious concerns about their practices and their dedication to customer service. The potential for them to profit from unresolved claims, particularly when they possess the necessary information, is both disheartening and unjust. 

In light of this distressing situation, I implore the relevant authorities to intervene and closely monitor Wells Fargo 's activities. Their behavior warrants a comprehensive investigation and appropriate measures to ensure that the bank adheres to ethical practices and treats its customers with the respect they deserve. 

I deeply appreciate your attention to this matter and your role in safeguarding the rights of consumers. 

Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an email from my credit monitoring company that a collection account was added to my credit and my credit score dropped by 108 points as a result. The account is an account that was opened by my ex husband either alone or with his ex wife in XXXX which was 6 years before we met and 7 years before we married. He added me as an authorized user to his main XXXX account so my paychecks could direct deposit into his checking account and the account showed as an individual account on his credit up until he recently filed for bankruptcy. After the credit card company processed his bankruptcy they then changed the account without my knowledge or consent from me being an authorized user to a joint account holder deciding i was liable for the account since they couldn't collect from him. I never agreed to be a joint card holder nor did I agree to be responsible for his debt. This account has been past due since XXXX and was not deemed mine by XXXX until my ex filed bankruptcy so they couldn't collect from him. Since this was solely his account and from prior to our marriage even our divorce paperwork shows its solely his account. I contacted XXXX and they told me this has happened so many times when they add an authorized user and make an error and put them as joint owner without their permission that they dont even allow authorized users anymore. I provided XXXX, XXXX and Equifax all with a copy of my marriage certificate to show we were married 7 years after this account was opened and a copy of my divorce court paperwork to show this is only his account and a letter explaining the situation and they refuse to remove it fro my credit. I did not sign agreeing to be a joint owner of this account and did not agree to it verbally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report that I have no knowledge of and I have inquiries on my credit report that were done without permissible purpose XXXX XXXX XXXX XX/XX/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
Product: Credit card or prepaid card

Bank of America stated that all my accounts were under auto payments. I have 13 accounts and payments every month were unwieldy given the banks set up. Unbeknownst to me they canceled card with no explanation. I believe the banks acts to be discriminatory. I asked for a complaint form and they said they filed one on my behalf. I asked for a copy of it and they refused to produce it. I believe that this bank is not far behind XXXX XXXX and needs to be fully investigated for detrimental practices to small businesses and consumers. 


XXXX XXXX XXXX
Product: Credit card or prepaid card

Citi Bank removed my {$9000.00} credit limit for no apparent reason. They lowered it to {$610.00}. The amount I owe is {$590.00} and thats a new charge. I paid off my last balance of {$590.00} in full before. They said my credit is no longer worthy of the {$9000.00} credit limit. I have never been late on any credit cards ever and and XXXX balances on other cards. I only used the card to help pay for my daughters car repair of {$590.00}. Now my credit will be ruined. I cant even get anyone on the phone to review this and reconsider this awful cruel act. My number is XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Student loan has been paid in full and student loan servicing company ( University XXXX XXXX, XXXX - XXXX XXXX ) sends monthly statements showing the loan as a {$75000.00} line of credit. They refuse to address or close the account despite my requests and payment in full.
Product: Payday loan, title loan, or personal loan

I previously placed an extended fraud alert on my credit file with the three national credit bureaus because I was the victim of identity fraud. On XX/XX/2020 I applied online to purchase a new XXXX XXXX phone from XXXX. They redirected me to TD Bank 's website which handles their credit. I applied for credit with TD bank and was told to call a telephone number which I did. I spoke to a TD Bank representative who asked me a few questions and then indicated that my request for credit was denied and I would receive a letter in a few days. I received the letter around XX/XX/2020 and I am uploading it with this complaint. The letter indicated that I should call or apply online for another letter which would explain why my application was denied. I applied for this second letter ( the " denial reason letter '' ) both in writing via email and by calling the toll free number in the first letter. I did that on XX/XX/2020, the same day I received the first letter. I've called now at least four times and the representative keeps saying that they'll investigate and get back to me but I've never received any return call from them. I spoke to a supervisor who said that because of my extended fraud alert, they use some outside service, whose name she would not disclose to provide information that they use to determine whether or not to grant credit and that, based on the information from this secret outside service, they chose to deny credit. I believe that the information that this secret service provided falls under the definition of " consumer report '' as defined in 15 USC 1681a ( d ) ( 1 ) since it is information " bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility '' for personal credit. I believe, therefore, that this secret organization falls under the definition of " consumer reporting agency '' as defined in 15 USC 1681a ( f ). This secret organization obviously has incorrect information but I don't know who they are so I can't help them correct the misinformation. I believe that I am entitled to know who they are under 15 USC 1681m ( a ) ( 3 ) ( A ). In addition, I am entitled to receive the information required 15 USC 1681m ( b ) ( 2 ) ( A ) ( I ) if the secret organization is deemed by you not to be a consumer reporting agency. I have literally spent hours on the phone with TD Bank but no one will answer my questions or call me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT HAS VIOLATED MY RIGHTS ; ( XXXX XXXX XXXX ) 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 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. 
THIS ACCOUNT IS STILL SHOWING AS OPENED WITH EQUIFAX AND CLOSED ON XXXX. THE CLOSED DATES, BALANCES AND PAYMENT HISTORY IS INCONSISTENT AND ILLEGAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company have violated the provisions of section 605B, 623(a)(6), or 615(f),You have no proofs to offer to support a dispute, and thus your assertion in the form of a policyreport is being used to obtain blockage, not contest the accuracy of its reportingYou have refused to fallowed the credit reporting act 605bStating that you have reason to determine that you have made a misrepresentationof material fact relevant to the request to block; c) XXXX  has reason to determine that youobtained possession of goodsThe account and those inquired are fraudRespond As a victim of identity theft (meaning Identity theft is a crime in which an imposter obtains keypieces of personal information, such as Social Security or driver's license numbers, in order to impersonatesomeone else) I have provided relevant information about my Identity Theft Report. FCRA § 605B(b), 15U.S.C. § 1681c-2(b). Such notification by a CRA triggers two obligations for the furnisher. First, underFCRA section 623(a)(6)(A),you must not allowed the furnisher may not continue to report that informationto any CRA. FCRA § 623(a)(6)(A), 15 U.S.C. § 1681s- 2(a)(6)(A). Second, under FCRA section 615(f), itmay not sell or transfer that debt to anyone else who would try to collect it. FCRA § 615(f), 15 U.S.C. §1681m(f).As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. § 1681i, a copy of whichis enclosed, I am requesting that the item(s) be removed to correct the information. You have no way toascertain the legitimacy of my action without investigating the items in questionXXXX XXXX XXXX  ACC#XXXXXXXX XXXX XXXX ACC#XXXXXXXX XXXX XXXX ACC#XXXXXXXX XXXX XXXX ACC#XXXXXXXX, XXXX SOC SEC # XXXX
Product: Debt collection

Ive reached out to XXXX several times advising them of the address that XXXX has reported to the collection is not valid the collection agency asked my my current address in Arizona and updated the debt to reflect my home which has no relation to the original debt which is illegal Ive always stated the debt is not mine and four five years this company keeps. Clawing at me. XXXX has removed the debt every time they reattach it to me and it takes 30-45 to cure every time they due it. XXXX how every believes that this practice is legal and valid and its illegal.
Product: Credit card or prepaid card

Concerning the XXXX prepaid card through Payfare ; it was locked 48 hours ago due to stating the CVV code was entered incorrectly. I was told to contact customer service, which I have now 3 times in the last 48 hours. All 3 times, I was told the card was unlocked with no restrictions, but when I try to use it in the store or load it on XXXX XXXX, its marked as an invalid card or declined. The issue has been sent through to Payfare but they have not contacted me at all to resolve this issue. I can not buy my husbands XXXX or groceries until this gets unlocked.