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 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax 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 1681 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 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 Equifax 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 Equifax, 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. Not only that 15 USC 1681C ( 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 U.S. Code 1681s2 ( A ) ( 1 ) A 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 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and Experian 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: Debt collection

Dear MBA LAW, I am writing to express my serious concerns regarding Account # XXXX  your unauthorized access to my personal information, which is a clear breach of my privacy rights. This unauthorized access has been used in an attempt to coerce me into paying a debt I am not obligated to pay. 

Under the Texas Business and Commerce Code 521.053 and the Identity Theft Enforcement and Protection Act, businesses are required to report any data breach of system security that affects Texans to the Office of the Texas Attorney General. Furthermore, it is unlawful for any person to obtain, possess, transfer, or use personal identifying information of another person without the other persons consent. 

In addition, under federal law, specifically 26 U.S. Code 7213 and 15 U.S. Code Chapter 94, it is unlawful for any person to willfully disclose to any person, except as authorized in this title, any return or return information. Any violation of this is a felony punishable upon conviction by a fine in any amount not exceeding {$5000.00}, or imprisonment of not more than 5 years, or both, together with the costs of prosecution. 

In my case, you have accessed my personal information without my consent, which could constitute identity fraud. You have also added an account to my credit report that I did not authorize. Even in the event of permissible purpose, the consent of the consumer is still required, which I do not give. Therefore, I demand that you remove yourselves from my credit report immediately to correct this breach of privacy. 

Furthermore, you have contacted me without requesting consent to do so. I do not wish to do business with you and I am not obliged to. Any further attempts to contact me without my explicit consent will be considered harassment and will be reported to the appropriate authorities. 

I trust that you will take immediate action to rectify this situation and ensure that such breaches of privacy do not occur in the future. Failure to do so will result in legal action. 

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

I XXXX XXXX continuously contact XXXXXXXX XXXX multiple times about this fraudulent charge on my account for {$290.00} on XXXX XXXX. The representative claimed they forwarded it to the fraudulent specialist but I was never contacted. I XXXX XXXX again contacted XXXX XXXX XXXX XXXX The supervisor stated to me that there where going to forward my complaint to the fraudulent team. No one ever gave me a call or send me mail to my home.XXXX XXXX XXXX again contacted XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 
Finally on XX/XX/XXXX am email was sent to my email stating that XXXXXXXX XXXX  sent my concerns to the fraudulent team. I am still waiting!
Product: Credit reporting, credit repair services, or other personal consumer reports

I need the following addresses removed from my credit file. I have submitted numerous requests for this to happen and nothing has taken place. The current address needs to be listed.  XXXX   XXXX   XXXX   XXXX   XXXX  SC  XXXX . I have attached my drivers license and Ssn card.     Remove these addesses :  XXXX    XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX , SC  XXXX  :  XXXX    XXXX   XXXX    XXXX   XXXX ,  XXXX , SC  XXXX  Whomever that 's reporting these addresses does not have a certified permissible purpose to do so.
Product: Student loan

I graduated from XXXX XXXX University in XXXX, consolidated my loans in XXXX with a very low interest rate of less than 3 %. Immediately after graduation, I started work at XXXX XXXX XXXX, a non-for -profit organization. In XX/XX/XXXXI got a letter from Navient stating that my loan was frozen for 50 years. I neither asked for forgiveness, nor struggled to pay my loan. Navient mislead me, and as a result, I paid for my children education out of pocket, falsely hoping that my loans are frozen forever. In XX/XX/XXXX I started getting calls demanding payments and threatening to ruin my credit history. From XXXX XXXX I learned that I 'm responsible for {$39000.00} loan, plus my son 's student loan of {$5400.00}, for which I was a co-sighner. I contacted Navient on XXXX, demanding to be transparent and provide me a letter of explanation. Why my loan was frozen in XX/XX/XXXXand what is going on now? No one had a response. They tried to convinced me that I was in school but I worked full time at XXXX XXXX XXXX. I was told by the Navient manager,  that if I agree to start repaying my loan, they will do investigation and provide me a letter of my loan ' history. She squeezed " yes '' out of me and e-mailed me a note " XXXX XXXX, your request for forbearance has been approved. Your payments will resume on XX/XX/XXXX. '' I still did not get an official letter. I contacted Navient on XX/XX/XXXX. Spoke with a representative XXXX, ID XXXX and was told that my request to provide a letter was cancelled, because it was sent to wrong department. " I feel racketeered. I asked for how many years I have to pay my loan and was told -for XXXX because my loan was initially consolidated. I tried to find information online, but under my SS I can only access my son 's information. I demanded transparency and told them on multiple occasions that they have to provide me all information in a written form.
Product: Credit card

After a significant credit score increase I called for a credit limit increase on my Home Depot Card. I have been denied a limit increase numerous times. I requested a limit increase of {$300.00} from the current limit of {$200.00} for a total of {$500.00} limit. Citi Bank can't say this is not discrimination because I receive XXXX payments. They didn't even do a credit check for approval of the increase. I was told, " the process wouldn't require a credit check and it would be an immediate decision ''. My Home Depot account is FLAWLESS. Zero late payment, Zero missed payments. A denial for a {$300.00} limit increase can only be viewed as discrimination. A limit increase decision is definitely not considering my account payment history.
Product: Money transfer, virtual currency, or money service

I am writing to discuss an issue with Zelles handling of my disputes. And i know cfpb lawsuits highlights a lot significant issues with the platform.my financial institution and Zelle failed to investigate my claims accurately, they informed me that recovering the lost funds impossible and tracking these transactions were unfeasible .the cfpbs findings indicate that Zelle has not only neglected to pay consumers but has also allowed repeat offenders to exploit the system leaving the users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Vehicle loan or lease

American Honda Finance is reporting incorrect information on all three of my credit reports. The account is paid in full! and was closed over 10 years ago and they are reporting false information at this time. I want this false information removed immediately. 

Their contact information is XXXX XXXX  XXXX ga XXXX XXXX account number ending in XXXX
Product: Credit card

I was using my card, and made every payment before the due date, and they flagged me for fraud for making my payments as I used my card. They called my bank to do a three-way call to confirm I wasnt doing anything fraudulent and the money was coming out of my checking account. The bank then confirmed that yes the money was coming out of my checking account. He then told me everything was fine. I could use my card again, then they froze my account for 30 days with no explanation. I feel theyre freezing my account because theyre not collecting enough interest from me
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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

The XXXX XXXX in concert with Wilmington Savings Fund Society FSB are trying to steal my Property using deception -- an unlawful cloud on title or fraudulent transfer recorded with the XXXX  County Recorder of Deeds XX/XX/XXXX. Although sued by the Whole United States ( the U.S. Justice Department in conjunction with virtually all 50 state attorney generals, including the state attorney general for Illinois ), XXXX using one of its non-bank subsidiaries or foreign corporations ( XXXX XXXX XXXX XXXX ) filed a series of foreclosure-related evictions against me, but failed to execute the wrongfully obtained possession orders in the defunct business 's name. Now in a third suit it has obtained a possession order in Wilmington Savings Fund Society FSB 's name, falsely representing to courts that the subject property was sold to this trustee plaintiff. Both corporate plaintiffs provided no proof of an actual sale for value ( ex. current property inspection report, purchase contract, title report, etc. ) ; only a " quitclaim deed '' paired with the wrongfully obtained orders. The possession orders are pending the disposition of a petition for leave to appeal filed with the Illinois Supreme Court. Still, the corporate plaintiffs and their counsel continue to engage in frivolous, fictitious filing so as to threaten, harass and intimidate me with unlawful eviction. Their last motion was filed in the circuit court around XX/XX/XXXX, seeking an extension on the time to enforce the eviction order that is in question. It is my contention that neither companies have any rights in the property. Their purported right to possession arises from an unauthorized foreclosure that the executive branches of government successfully prosecuted them for. The XXXX  County States Attorney even found that Housing Discrimination was involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back inXX/XX/XXXX I paid off my auto loan with Carvant Financial. I asked for the lien release and they sent me a form for an automatic payment. I called them and they stated I would get the correct form. Never received it. I called in XX/XX/XXXX because my credit was still reflecting past due since XX/XX/XXXX and because I never received the release and they stated they do not report to the credit once the account is closed. They also stated the ACH form is the form for the lien release however I am not signing anything that allows them to take money from my account since the account is paid. So I tried to handle it with XX/XX/XXXXand XX/XX/XXXX by submitting a dispute. Nothing changed. I tried on XX/XX/XXXX to obtain a new car loan and the finance company stated I had to put down {$2500.00}. I asked why and they stated that according to my credit report I have a repossession from eight months ago. I stated that I have never had a repossession, as a matter of fact the previous finance company has an automatic shut down system on the vehicle so if you should not pay the loan within 30 days of your due date, they shut down your vehicle which has never happened. You see, since it looks like the last payment made was XX/XX/XXXX it looks as if I was repossessed. I called Carvant Financial and they stated they will see what they can do. Now here I sit with the previous vehicle broke and I can't get a loan because they have trashed my credit. I fixed my other issues and yet the one thing that has nothing to do with me is the one thing destroying me. Now I'm told I have to wait another 30 days from the date the issue gets resolved if it gets resolved. So I have no vehicle until then. That isn't fair to me at all. My husband is also being hurt by this because the loan was in both of our names. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 



15 U. S. C 1681 section A. States I have the rights to privacy.

15 U. S. C. 1681 section A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

AD ASTRA REC is claiming that I owe them {$670.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this Late off my credit report for months. I have sent in 3 disputes and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized and fraudulent inquiries listed on my credit report. Despite my repeated correspondence with your bureau and the submission of an FTC Identity Theft Report, these inquiries remain on my credit file. As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions involved and providing comprehensive documentation to support my claims. However, your bureau has not yet resolved this matter to my satisfaction. 
I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes me significant distress and potential financial harm. 
The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I received this card as a gift from my coworkers. I returned to work a week after my birthdate on Monday, XXXX XXXX on this day I was given the gift card. I was extremely grateful and noticed it was a Visa gift card which are usually used everywhere as normal currency.

Upon opening the card, I noticed part of the number was blocked from the card design. Not thinking anything of it, I used the card later this week ( XX/XX/XXXX ) at XXXX. It declined, and I then realized I needed to activate the card which usually is no problem, but the card number is blocked by the design, so since I could not read the number, I can not activate the card. I called multiple times to the company of the card, Vanilla Visa Gift Card to hear their FAQs to find out why I can not see my card number. No solution attained by doing so. I then looked up Vanilla Gift and found others were scammed by the same company and reported it. I can provide proof of the card.
Product: Debt collection

On or about XX/XX/2023, XXXX contacted me via mail in an attempt to collect an alleged debt. XXXX claims that I am obligated to pay an alleged {$680.00} balance, yet they fail to provide any account information associated with this alleged debt. Under 15 U.S.C. 1693a ( 2 ), it is explicitly defined that an " account '' does not include an occasional or incidental credit balance in an open-end credit plan.My concern arises from XXXX 's false and misleading representation, as well as their use of unfair and unconscionable means to collect an alleged debt. It is clear that XXXX has mischaracterized this situation by referring to the alleged debt as an " account. '' The term " account '' has specific legal implications, as outlined in 15 U.S.C. 1693a ( 2 ), and XXXX 's misuse of this term is both misleading and unlawful.In accordance with 15 U.S.C. 1693a ( 2 ), the term " account '' is explicitly defined as follows : " The term 'account ' means a demand deposit, savings deposit, or other asset account ( other than an occasional or incidental credit balance in an open-end credit plan as defined in section 1602 ( i ) of this title ), as described in regulations of the Bureau, established primarily for personal, family, or household purposes, but such term does not include an account held by a financial institution pursuant to a bona fide trust agreement. " It is abundantly clear from this legal definition that no consumer has an " account '' with a debt collector by operation of law. XXXX 's misrepresentation of the term " account '' in their collection attempts is not only deceptive but also in direct violation of the Fair Credit Reporting Act ( FCRA ) .I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against XXXX for their misleading and deceptive practices. Furthermore, I request that you provide guidance and oversight to ensure that debt collectors adhere to the accurate and legal use of terms, particularly the term " account, '' when attempting to collect alleged debts.
Product: Debt collection

Disputed the debt with Aargon Collection Agency as I attempted to have the debt verified. 
I asked a representitive of Aargon Collection Agency over the phone when they originally called me, asking to verify the debt as I had originally asked XXXX XXXX to give an itemized version of the account/debt they stated I owed. 

Both Aargon Collection Agency and XXXX XXXX had failed to verify the debt. 

Was removed from credit reports and has come up again.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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: Bank account or service

To date, someone has opened XXXX banking accounts in my name. received letters with debit card number. they has some very personal information, as I have called the banks.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that you are providing on my credit report : 30-60 days late payments. 

For starters You have been billing me incorrectly since XX/XX/2023. You have charged for me fraudulent charges and failed to remove all of the charges after I opened a claim. As you are aware all charges with balances create interest which Im forced to pay. I have written multiple letters for this to be corrected. The billing error has finally been updated XX/XX/2023. Which is also when you reported inaccurately late payments. XXXX, XXXX and XXXX shows that you state that there was not a payment made in XXXX or XXXX. That is False. Your rep stated that I made a {$70.00} payment on my account in XX/XX/2023. However I also made a {$280.00} payment and Discover credited my account an additional {$81.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a Mortgage Loan on XX/XX/21 & was denied or received unfavorable rates because of some inaccuracies on my credit report. There are 14 Fed Loan Servicing Student loans that are reporting a 90 day late payment. This does not seem legal or accurate. I was under the impression that these loans were in deferment at the time, when they're saying I was late. Were payments actually due or was the loan in deferment? Was I notified in writing 30 days before these payments were due? Is there any proof that I received the notification in writing or an invoice before they reported me late? I do not recall receiving any invoice or notification from Fed Loan Servicing stating that payments were due or that I had any amount past due. If I received a letter or phone call from them, I would have made a payment. 

I'd like to request that the 90 day late payment be removed from all 14 loans. If Fed Loan Servicing refuses to correct the payment history, I'd like to see all paperwork and proof that they are reporting accurately and followed all laws and procedures to notify me before reporting me late.