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

With " Accordance to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a duty to insure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX, XXXX, 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 1681 section 604 a section 2 that states " In general subject 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. '' ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies XXXX, 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, 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 was i informed of my right to exercise my nondisclosure option. Not only that 15 USC 1681 C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law, 15 US Code 1681s-2 ( A ) ( 1 ) which 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. 15 US Code 1681 ( e ) states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. '' XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states " That a consumer may exercise the right to opt out at any time. " I am opting out of your reporting services ''
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX  ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit card

I made a payment on my ikea credit card from commenity Bank on XX/XX/XXXX. The due date was XX/XX/XXXX I was only about XXXX weeks past due and I made it a payment. The payment showed in my account as a posted successful payment. It said " Payment Thank you '' {$230.00} ( See attached screenshot ) On XX/XX/XXXX I received an alert from the credit bureau that I received a late payment from ikea credit card. Upon further looking into it, I was advised by Comenity bank that the payment account was not good and payment was not successful in which I made another payment again on that same day. However, it is still reporting as 30 days late on my report when in fact I made a payment on XXXX. My ikea comenity account showed the payment posted. And more than that, I do not have even XXXX piece of communication from comenity/ikea that there was any issues with my first payment. This is highly damaging to me and I think it is completely wrong, illegal, and unfair. How would I know there is a payment issue without any communication and when my account reflects a posted payment. Also they sent me a email on XXXX when I made the payment stating " Thank you we received your payment " and no no other communication after. I have credit cards for the past 8 years with big banks and I do not have a single late payment on my credit report other than this small ikea credit card which I am new too. It is very said that they can not consider a customer for what it is and give me a chance to actually build a relationship and rather making me never want to use this ever again. 8 years with XXXX, XXXX XXXX, XXXX and more and not a single late payment. What's more sad is that I was actually responsible to make the payment before its 30 days late and they sent me confirmation it was received. The account transactions showed a successful payment posted and Noone sent me any any communication. It is wrong
Product: Credit reporting or other personal consumer reports

Please be aware that it is unlawful to threaten legal action without the intent to follow through. With that in mind, understand that I am fully committed to filing a lawsuit against your company. I have repeatedly requested that you investigate and remove the inaccurate information being reported on my credit profile, yet you have failed to take appropriate action. 
My understanding of the law is that you are required to investigate any incorrect information when requested, yet you have ignored all of my prior communications. This constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), which provides consumers with the right to take legal action and outlines penalties for non-compliance by both credit reporting agencies and information furnishers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Could not connect PNC account with XXXX. Error message showed up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at the credit agency report for Experian in XXXX of 2020 and accidentally hit the button to stop receiving and reporting the information on all of my credit. I immediately wrote a letter to Experian requesting they continue the reporting of the credit for me and what had happened. I didnot receive a response. 
I then looked for my credit report today XXXX/XXXX/2020, the Experian report stopped in XXXX of 2020.WHY???? 
PLEASE HELP ME RECTIFY THIS.
Product: Mortgage

Currently on XXXX XXXX. This company has failed to : 1. Assess for loss mitigation after 4 months as required by HUD0 regulations.

2. Given erroneous and false information about loss mitigation that it claims I do not qualify for. I requested documentation- it failed to provide.

3. Refuses to correct my mortgage statement address despite repeated requests to change my address on the statement that is incorrect.

4. Refuses to provide loan reinstatement amount needed to bring loan current 5. Routinely provides inaccurate bank statements reflecting incorrect loan balances 6. Failed to give proper credits for money paid. Repeatedly attempts to steal money 7. After identification of accounting errors, continues to credit for incorrect amounts 8. Refuses to provide updated loan information requested by borrower 9. Refuses to specifically breakdown charges assessed for legal fees, late fees 10. Payoff information was requested last week, said it would take 30 days to provide payoff-information on the loan.

11. Fails to change mortgage statement address to give appearance that I do not live at my home. It has known since the inception of the loan my home is owner occupied and is my primary residence.

11. Bulk of its customers are XXXX XXXX its repeated abuses are outrageous and systemic. Denial of relief programs available to qualified customers is unacceptable. It exploits and cheats XXXX customers repeatedly without consequences nor repercussions.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Unauthorized Credit Inquiries To Whom it may concern : I received a copy of my credit report today and discovered several hard inquiries from your company. I do not recall authorizing this inquiry and I would like to see the application of credit. I am officially disputing the unauthorized credit inquiries and request an immediate investigation. 
Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. 
Please remove the following unauthorized inquiries : XX/XX/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 I am sending this letter certified mail for my protection as well as yours. Please forward proof to me at your earliest convenience or send a request to the credit bureaus that you report to if you discover this was an error. 
It is urgent that I hear from you urgently, as this hard inquiry is impacting my credit score. 
I anticipate your response.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. 

Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs XXXX. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : XXXX XXXX. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : {$0.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$0.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$0.00} Inquiries Account name : XXXX XXXX Account Opened : XX/XX/XXXX Account name : XXXX XXXX XXXX Account Opened : XX/XX/XXXX Account name : XXXX Amount Opened : XX/XX/XXXX Account name : XXXX Card Account opened : XX/XX/XXXX XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX. Account name : XXXX XXXX XXXX XXXX Account opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was informed that my personal information was exposed under a security data breach and have since noticed erroneous entries on my personal credit report that were placed there without my consent. The false and erroneous entries are from the following companies : XXXX XXXX ; XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report because today XX/XX/20 I applied for a XXXX  credit card and I was denied due to having an account in negative standing appearing on my credit report. The account is from this company ; XXXX XXXX XXXX. This account does not belong to me nor do I have any written/verbal contract with this company. I did not open an account with this company and I did not allow anyone else to open an account on my behalf. I did not benefit anything from this account such as money, goods, services or any other benefit and I did not make any payments towards this account. I have already filed a police report regarding this unauthorized account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report
Product: Credit reporting or other personal consumer reports

checked my credit file seen there were inquiries I don't recognize.
Product: Debt or credit management

I have an account with PayPal, in XXXX I received an invoice from PayPal for {$1800.00} to XXXX XXXX. I hadn't paid them yet so I called the scammer and they said they received it and I remember it very clearly. paid. I called paypal to explain the situation and said I was owed PayPal. They told me they had paid XXXX. I did not accept it. Then I discovered that XXXX 's sales were scrammed and I reported it to them but they didn't listen and took me to the collection department and these people now blocked the transaction history which had a lot of fraud and scammed transactions, they forced me to pay. scream and then open it again. During this time, my entire bank account and email were hacked and I lost all my money, so I couldn't pay them back, but I asked to pay them and they didn't accept it and they took it more than 120 days past the deadline to report and promised to pay. They still don't accept all that money. I don't think they indirectly helped the bad guys. Now I don't know who to ask for help. Please help me.
Product: Student loan

I graduated from XXXX XXXX XXXX in XXXX of 2015. I had a grace period post college before repayment was to begin. I applied for a forbearance and was approved after that. Unfortunately, NelNet inadvertently negatively marked my credit report for a 90 day delinquency despite being approved for a forbearance. When I tried to call and remedy the situation the initial representative ( XXXX XXXX ) was rude and told me the only the only way to get it removed was to prove that I was in the military. That seemed to be a tad bit outrageous because I never mentioned the military, the NelNet representatieve seemed to be attempting to patronize me here. On this same day of communication the representative ( XXXX XXXX ) told me NelNet had a phone number for me ending in XXXX but she would not provide the entire phone number. I called back and spoke with a representative name XXXX who stated the number they have on file for me was XXXX. I advised the number was invalid for me. My goal was to help NelNet understand that the time frames in which I was being asked to repay did not align with their records therefore I should not be viciously marked for credit on multiple NelNet accounts for miscommunication and for also having invalid contact information. I asked if I could pay any past due amounts and XXXX XXXX told me that I did not have any. XXXX XXXX also stated that since they had not heard from me they negatively marked my credit until they did hear from me. I do not feel this is legitimate or fair treatment. I understand the position of the CFPB and I understand not everyone may agree with it but it needs to be in place because discrimination appears to be at an all time high. Based on the information I viewed there was ( 1 ) one 90-day mark on all NelNet accounts that I have in the past 10 years on my credit bureau reports. That does not align with a 6 month grace period post graduation ( XXXX ), plus one year of forbearance and then another year of forbearance. When I called to get grace period information on my XXXX call they did not even know when I graduated. They had me in an unemployment deferment. They said the information from the school must have been invalid.
Product: Credit card

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB Card Services {$12000.00} & JPMCB Card Services {$7000.00} have been closed by creditor as a charged off account. According to law any debt over {$600.00} that is charged off, the consumer ( myself ) should receive a XXXX ( cancellation of debt ). I sent a letter ( attached ) to creditor requesting a XXXX and I did not receive a response. 
If creditor filed a XXXX, according to tax law it is no longer considered a debt but rather considered to be income. XXXX should not be reporting on consumer report. 

Would this be considered to be tax fraud?
Product: Credit card or prepaid card

Capital One is refusing to validate my dispute and is siding with the merchant, even after I have sent multiple documents and emails proving my case. I booked a hotel reservation at XXXX XXXX in XXXX on XX/XX/XXXX for travel dates of XX/XX/XXXX - XX/XX/XXXX. The rate I booked was non-refundable, however it was 100 % refundable with included insurance in case I needed to cancel due to many different circumstances. Unfortunately I tested XXXX for XXXX on XX/XX/XXXX and informed the hotel and travel insurance through the hotel that I needed to cancel. According to the terms of the insurance my reason for canceling is valid and the entire purchase amount of {$2500.00} should have been immediately refunded to me. Neither the hotel nor the hotel 's insurance company responded to my claim nor did they refund me. That's when I contacted Capital One to dispute the transaction on XX/XX/XXXX. Capital One investigated the case and on XX/XX/XXXX sent me a letter stating they sided with the merchant who stated I booked a non-refundable rate. I appealed the decision on XX/XX/XXXX and sent more documentation in, including the original confirmation showing I purchased insurance that covers 100 % of the reservation amount, the emails I sent cancelling with proof of a XXXX  XXXX test, and terms and conditions of the reservation and insurance. I should not have to pay {$2500.00} for a hotel stay I did not even get to use. On XX/XX/XXXX I called Capital One to discuss the case and how they once again refused to honor my claim. Capital One should protect me as a consumer as I have proven the hotel is not honoring their terms by refusing a refund from the insurance company they offer as a result of my XXXX XXXX test. I have tried in good faith to resolve this with the hotel and Capital One and neither are honoring their side of this.
Product: Debt collection

By the way, also following Federal Trade Commission report # XXXX and previous CFPB Complaint against debt collection agency # XXXX. As a consumer I have rights. I may only be XXXX XXXX XXXX with being new to credit only having a credit card or two of only XXXX dollars in knowing my rights. There are laws that abide to me and I will exercise them over my body. 15 USC Code 1 692 ( g ), 15 USC Code 1681, On XX/XX/2023, I was alerted that an account was added to my credit profile. I want everyone to be aware that I am not liable for this debt with XXXX XXXX XXXX XXXX nor have I received a contract or any form of a statement from XXXX XXXX XXXX XXXX XXXX XXXX XXXX no paperwork was sent to me prior to adding anything to my credit report. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I am not liable for this debt with XXXX XXXX XXXX and do not have a contract with XXXX XXXX XXXX XXXX. DO NOT RESPOND TO THIS COMPLAINT AS " VALIDATED ''. I AM FILING THIS COMPLIANT IS TO ENSURE THAT THE ACCOUNTS WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). I WILL SEEK ATTORNEY REPRESENTATION GOING FORWARD.
Product: Debt collection

This collection agency sent me a bogus invoice with an individual phone # and address that belongs to a storage warehouse when I ask them to validate this account. They also didn't have the right amount owed or pay.
Product: Credit card or prepaid card

I used a XXXX interest balance transfer on my Chase card. They applied my entire payment to the 0 % balance and as a result I incurred interest fees. I have done balance transfers on other cards and they apply payments to the highest interest rate balances first.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Credit Inquiry XX/XX/2017 XXXX/XXXX XXXX, FL XXXX ( XXXX ) XXXX-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was notified by the credit bureaus that several medical bills were added to my credit file. I did not give written consent for this. My XXXX rights have been violated as I know that I was being seen for mental health issues due to XXXX pandemic, I had insurance and now I am being violated and my personal health information isn't secure. I have already tried to advise the burueas of being a previous victim of identify theft and this needed to be resolved as I have been made aware this is legally my right. The following laws have been violated Privacy Act of 1974, as amended, 5 U.S.C. 552a, 1681. Congressional findings and statement of purpose, The Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692. 
The XXXX facility that violated my rights are and the agencies they sold my XXXX to are : XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX XXXX ) XXXX. ) There are XXXX ( XXXX ) different accounts all with the same name and collection agency but all different dates and amounts on all three ( XXXX ) credit bureaus. This is higly alarming and completely inaccurate in additional to a huge violation of my XXXX rights. XXXX XXXX XXXX and the agency they sold it to is Professional Placement Svcs ( Professional placement svcs XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX ) XXXX. ) XXXX XXXX and the agency they sold it to is XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ).
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX account # XXXX, XXXX  XXXX  account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. Under 15 U.S.C 1681 section 604a Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.