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

I have pulled up my credit report and found some private information. Such as my consumer transactions with creditors as well as hard inquiries and accounts in collection. 
I never opted in to have my information shared. " According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states\n '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't 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. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC\n1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in acordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option.
Product: Checking or savings account

Im trying to Withdraw my Funds From Robinhood and It keeps saying withdraws disabled and Im unable to withdraw using my debit card I reached out to them for help several times with no help I just want to withdraw my money and close my account XX/XX/XXXX {$300.00} from my bank account to RobinHood then they told me I needed to deposit another {$49.00} dollars to have access to instant deposits and stuff so I then deposited {$60.00} on XX/XX/XXXX of XXXX and still cant use or withdraw the money I have a positive account balance of {$360.00} dollars just held hostage please help
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 dispute reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against experience, alleging systemic issues such as failing to forward consumer-provided evidence to refurnish, accepting unreliable responses, and failing to adequately notify customers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

Bank of America reported transactions on my credit card statement which I did not make or authorize. 
I filed fraud claim with Bank of America. 
I also filed fraud claim with police in my city. 
According to Bank of America card was used in the transactions. 
All transactions occurred in the city 50 miles from me. 
Bank of America did 3 investigations and declined fraud claim 3 times.

Neither Bank of America, nor police or merchants reveal any information, never told me that they pulled video. Police never called me back - I made 3 attempts to talk to them, ask them to pull videos, etc.
Product: Mortgage

I applied for a loan in XXXX 2016 w PNC Bank, their loan # XXXX. The appraisal came back great, 40 % loan to value, and after I paid for the appraisal as well as documents from the condo association ( {$750.00} ) I was given conditional approval per the processor. The last step was the condo association be approved by PNC Bank. After 4 weeks, they decided the would not approve the condo, and closed the file. Finally, on XXXX XXXX. By now, my chances of refinancing are lost because of their processes. Approving condo should have been the XXXX step - not the last. Now I have lost the opportunity to refinance at that rate.
Product: Money transfer, virtual currency, or money service

I was buying a product from someone on XXXX and they seemed totally normal. We agreed that I wouldn't pay them any money until they sent me a picture of the receipt, which they did. Once I saw the receipt, I sent the money through XXXX XXXX in my Banking app ). I transferred once for shipping and once for the product itself. 
{$120.00} to XXXX on XX/XX/2022 through XXXX for shipping {$300.00} to XXXX on XX/XX/2022 through XXXX as well The seller has changed their XXXX name and picture multiple times since the transaction Once they sent me a receipt and I payed them, my conscience kicked in and I researched the shipping company " XXXX XXXX XXXX XXXX and things seemed off, but very in depth. 

I confronted the seller, and they changed their name and photo after arguing in broken XXXX. 

XXXX hasn't helped at all, my bank hasn't done anything either, XXXX can't do anything. I've filed reports with my bank multiple times, and I even filed a report with the FBI, and I haven't even heard back from them. 

I can provide photos and more information upon request, but they all have personal information so I can not attach them on this page. 

Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX repeatedly and deliberately put profits ahead of its borrowers it engaged in deceptive and abusive practices, targeted students who it knew would struggle to pay loans back, and placed an unfair burden on people trying to improve their lives through education Under 15 US Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
Under 15 US Code 1681a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation any credit transaction supposed to be excluded from a consumer credit report, if a social security card was used in the transaction.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX  # XXXX - IDENTITY THEFT UNAUTHORIZED INQUIRY : XXXX XXXX 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 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 of 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

On XX/XX/2023, XXXX/CollegeAve student loans wrote off and closed an account with student loans worth {$10000.00}. This was unbeknownst to me for several months till my father, who is a co-signer to this loan applied for a loan and got reject. Upon reviewing my credit report I noticed a write off from CollegeAve student loans. 

The loan was put on a disbursed schedule during the pandemic and CollegeAve had never informed me when the disbursement had ended. Furthermore CollegeAve had never informed me and I had never received either through email or mail that the loan was about to be written off. 

This write off has drastically reduced my credit score and destroyed the score of my father who had worked so hard to build it. I had the means to pay for it all this time but CollegeAve had never given me the opportunity to do so but rather sent it to write off without any notification whatsoever. I believe that that is a violation of consumer protection law and thus I appeal that this write off be removed from my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I discovered that my credit freeze has been lifted without my authorization. I called in to check what happened. The agent at the time named XXXX XXXX ( File # XXXX ) mentioned someone earlier on the same day called in and verbally requested that the credit freeze to be lifted. She was able to put a side note that any agent over the phone needs to verify a special pass code of my choice before allowing to lift the freeze. 

I called again to make sure that this is in place to double confirm, and was able to speak with another agent named XXXX ( XXXX # XXXX ). I asked her if she see a side note that she needs to ask for a special passcode, she revealed a part of the passcode. I pointed out that this should not happen as this is supposed to be another layer of confidential information. She was able to create another passcode for me, but this should not happen.
Product: Credit reporting or other personal consumer reports

This is the second time disputing these negative items on my credit report and I need them removed. Here are the acccounts : 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 The specific information under dispute is derogatory nature. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ).
Product: Vehicle loan or lease

Due to the economic impact of COVID-19 ( coronavirus ), XXXX XXXX is implementing measures to ensure the financial stability of the company. The current pandemic situation has impacted our business significantly, and as a result, we find that we must make some difficult personnel decisions. 
Effective XX/XX/2020, XXXX XXXX is implementing a temporary furlough of certain nonessential positions. This notice is to inform you that your position is included in this furlough and as such, you are being placed on a temporary, unpaid leave of absence effective, beginning XX/XX/2020. The length of this furlough is currently unknown. It is important to note that your employment continues to be at-will and nothing in this notice or other furlough communications is intended as an express or implied contract. 
You may be eligible for unemployment benefits under these circumstances. Contact your local unemployment office for information on eligibility and applying for unemployment benefits. Present this letter to your local unemployment office as evidence of your employment status. 
XXXX XXXX will communicate with you regularly during this period. If your personal phone number, email or mailing address has changed recently, please provide your current contact information to human resources immediately. Please feel free to contact human resources at XXXX or ( XXXX ) XXXX ext. XXXX with any questions. 
If you find alternate employment during this period and do not intend to return to work at XXXX XXXX, please notify human resources immediately of your voluntary resignation.
Product: Checking or savings account

On XX/XX/XXXX I attempted to link my XXXX XXXX  checking account to my Citi savings account and my online banking app became blocked and told me to wait 24 hours. I contacted Citi bank customer service who told me to wait 24 hours and I just be promoted to change my password and the lock would be removed. On XX/XX/XXXX I followed those steps and remain blocked from my account. I contacted customer service for a resolution. They authenticated me using my credit cards but are saying my information is incorrect on my checking account. I dont have a branch in Texas and unaware of how to get access to my funds. I requested Citi bank send me a verification to my phone or mail to my home and they have refused. I have also requested a banking statement to my home but have been denied. My next step will be to fly to a branch and close my Citi account if things dont get resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Lexis Nexis Risk Solutions is contracted with the state of Florida to maintain to maintain Florida Drivers MVR. This company is reporting false and misleading information about me and will not remove it. It is reporting that I was in at fault and a not at fault accident on the same day XX/XX/2021. This is false because I was actually involved in a hit and run in which someone hit my vehicle and left the area. Consumer reporting agencies can not report false and misleading information about anyone. They also have an address in CA listed on my report in which I never lived at. They know everything about you even my race they only report information on me like this so black or brown people can pay more for insurance.
Product: Credit reporting or other personal consumer reports

Equifax refuses to take non credited account off report after numerous request too do violating my consumers rights And they also have been reporting false negative payments they refuse to take down the hard inquires they are refusing to up hold the law and not giving me a fair investigation with over XXXX violations that I noticed alone on my equifax report and also over XXXX violations I noticed on my XXXX and 1 violation on XXXX for not removing the fraudlent XXXX  XXXX account on my credit report also equifax has some one else social security number on my account my social is XXXX
Product: Credit reporting or other personal consumer reports

see attachments

DELETE ALL PERSON INFORMATION FROM MY CREDIT REPORT BESIDES THE FOLLOWINGXXXX XXXX XXXXXXXX XXXX

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

I have a car loan with Santander they are attempting to report me as 22 days late despite making a large XXXX payment they claim because I did not pay last month my XXXX payment I am past due but I have made a very large payment with immediate monthly payments and have decided until they fix this reporting I am not going to send a payment until the XXXX XXXX payment is used up towards vehicle
Product: Mortgage

PHH Mortgage Services has spontaneously scheduled an illegal sale of our home on XX/XX/XXXX, in direct violation of numerous laws and regulations, while sending us no statements or other critical correspondence. 

They continue to periodically attempt to sell our home while providing no information or validation of any of their claims. Their violations continue to accumulate and remain unresolved. 

There are still unresolved Notices of Error from XX/XX/XXXX and XX/XX/XXXX. This company can not move forward with a sale while there are pending Notices of Error that have yet to be addressed and resolved. 

It is even more striking that I have not received any statements from PHH since XX/XX/XXXX, and I have not been in bankruptcy during any of this time.
Product: Credit reporting or other personal consumer reports

I checked my credit report and reported 4 delinquent accounts with XXXX. I have never used XXXX. I called them immediately the representative told me it was nothing they could do and to dispute it through experian. Experian efforts to get this resolved has been unsuccessful. Every account on my credit report a has never reported delinquent. XXXX confirmed I dont have an account with them. I sent the email to experian through upload and still no success this is causing a problem due to dropping my credit score and reporting incorrect information. Both XXXX and Experian are at fault.
Product: Credit card

Capital One raised my interest rate on my current bill. I received NO notice by phone, email or standard mail to advise me that this hike was about to occur. Just prior to receiving this bill I made a purchase with this card. If I had known that this hike was about to occur I would have used a different card. XXXX with a lower interest rate. When I called to complain they told me my card was an adjustable rate card which once again I had no knowledge of that if it is indeed an adjustable rate product. When they sent me the original solicitation to sign up for the card a number of years ago that stipulation must have been hidden in the fine print. On both counts Capital One was deceptive at best.
Product: Debt collection

NATIONAL CREDIT SYSTEMS is in violation of 46 of the FDCPA Laws as you can see in Exhibit A, B, and C. Also they are in violation due to a phone call I received, a phone call without my prior consent is a violation of 15 USC 1692c ( a ), the tone of the agent is a violation of 15 USC 1692d ( 1 ), the agent also said it was an attempt to collect a debt which is a violation of 15 USC1692b ( 2 ). and it was a very inconvenient time which is a violation of 15 USC 1692c ( a ) ( 1 ) as you can clearly see there is nothing but harassment from NATIONAL CREDIT SYSTEMS On XX/XX/2021 I sent NATIONAL CREDIT SYSTEMS a debt validation letter, it was received and sign for on XX/XX/2021. Federal law states they have 30 days to respond. Today is XX/XX/2021 and we are now past the 30 days and I have not received anything from NATIONAL CREDIT SYSTEMS. As you are aware, " Estoppel by Silence '' legally means that they had a duty to speak but failed to do so therefore, that must mean NATIONAL CREDIT SYSTEMS agrees with me that this debt is false. 
NATIONAL CREDIT SYSTEMS failed to validate a debt at my request, which is a FDCPA violation and continued to report a disputed debt to the Credit Bureaus : another FCRA violation. By doing so and by reporting this debt to the credit bureaus it is causing damage to my character and that is Harassment under 15 USC 1692d ( 1 ) Pursuant to 15 USC 1692k - Civil liability, 15 USC 1692k ( a ) ( 1 ) and 15 USC 1692k ( 2 ) ( a ).

I want remedy by paying the invoice included of {$46000.00} and immediate Deletion from all consumer reports for my Federally protected consumer rights. please investigate this matter and help me from further harassment. 

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

Account # XXXXXXXX XXXX XXXX 15 USC 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 account without my instructions.
Product: Debt collection

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on XXXX and XXXX Bureaus response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : 1. PORTFOLIO RECOVERY A XXXXX Opened XX/XX/XXXX Balance {$1000.00} ; 2. PORTFOLIO RECOVERY A XXXXX Opened XXXX. XXXX, XXXX XXXX {$2400.00} ;
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Last 4 SSN : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Date : XXXXXXXX  Date of Birth : XXXXXXXX  Last 4 Social : XXXX I recently looked at my credit reports and I noticed you are reporting some late payments that are NOT accurate, I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with the date you are reporting late, and those dates need to be changed to PAID AS AGREED. 

Account name : XXXX XXXX  Account number : XXXX Dates reporting NOT Accurate : XXXX to XXXX Please fix this immediately as it is hurting my chances of buying a new home and these late payments are NOT Accurate. 

Thanks for your help, XXXX XXXX XXXX XXXX
Product: Debt collection

I dont think that all of the debt on my credit report is correct. Medical bills are false I always had medical insurance. XXXX bill I paid my last bill and discontinued the service. XXXX XXXX student loan is fraud Bcus that school is shut down completely and its illegal to sell my student loan to another creditor without my consent.etc
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express claims I have missed a payment when I submitted the payment one day before the due date. They should not have reported this falsely thus negatively impacting my score.