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

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. 

To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 
2. The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 


15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( XXXX ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

I have not initiated any transaction with XXXX XXXX  Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that
consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Specified Remedy : Please send payment Via Check Payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX Yours Sincerely XXXX XXXX
Product: Money transfer, virtual currency, or money service

I made a purchase using PayPal and after several attempts to reach the seller of the item I reached out to PayPal for assistance and the seller magically responseed to PayPal when I opened a case against them for refusinf ro send me a return label to return the fraudulently items they sent me that was nothing like the advertisement on the website. After XXXX got involved they said I have until XX/XX/XXXX to return the item but they refused to provide a return label to return the item. I have no problem returning the items but I will not pay for shipping the items back as this was not what I ordered in the beginning.
Product: Student loan

From the best of my recollection : 1. XX/XX/XXXX Access Group loans were split between Nelnet and Firstmark 2. It was improperly communicated to me that it was two different agencies. 
3. I made payments to Nelnet and did not realize nothing was going to Firstmark 4. In XX/XX/XXXX, when I realized that Firstmark needed payments, I made a lump sum payment to catch up. 
5. I set up autopay 6. I then asked to have my future payments applied to both Nelnet and Firstmark 6. They did not apply to Firstmark 7. When I realized this was the case, I again made a lump sum payment and set up an autopay to two companies in XX/XX/XXXX 8. I have not missed any payments since the autopay was straightened out 8. However, now Firstmark reported the missed payments to credit report and Firstmark is not willing to fix
Product: Credit reporting or other personal consumer reports

In this carefully orchestrated dance of finance and privacy, my right not to have my-personal information unjustly shared finds backing in 15 USC 6801 . The clause articulates that every financial institution, ( which, in this case, includes the Furnisher of information to credit agencies ), has an unyielding obligation to maintain the sanctity of their customers ' privacy and to shield their nonpublic personal information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX attempted to collect {$560.00} from me for a rented water cooler. I tried to settle with company to buy the cooler outright. Company refused and sent the collection amount to The Law Offices of XXXX XXXX in XXXX, ILlinois. I settled with The Lawyers on an amount of {$260.00} to be paid by me and I keep the water cooler. I sent 4 payments totalling the full amount owed. 15 months later XXXX XXXX sent this same account to XXXXOLLECTION PROFESSIONALS INC in an attempt to collect {$2200.00} from me. COLLECTION PROFESSIONALS INC HAS CALLED ME 9 TIMES IN 6 DAYS. Harassing me. I called them back, they hung up on me. I recieved ONE form of physical mail, a letter from them with no Account Number, No Validation, No Itemization. I am enclosing the document they sent to my mailing address. This is an extortion attempt. My next step will be contacting the STATE ATTORNEY GENERAL OF ILLINOIS AND AN ATTORNEY TO FILE A CLASS ACTION LAWSUIT.
Product: Checking or savings account

On XX/XX/2023, I opened a checking account with Wells Fargo. As a condition of opening this account, I was eligible to receive a {$300.00} bonus if within 90 calendar days of account opening I received a total of {$1000.00} or more in qualifying electronic deposits to my new checking account. On Monday, XX/XX/2023, I reached that objective, and called Wells Fargo on XX/XX/2023 to inquire about when I would receive the {$300.00} bonus. The customer service rep I spoke to said I should receive the bonus at the start of XXXX, because I had to wait until the 90 days were up. So after waiting until XX/XX/XXXX I called customer service again, and was told the account bonus was denied, and that the representative thought it was weird because when looking at their qualifications I had clearly met them. He said he would submit a form and that I would hear back after two weeks. I called again on XX/XX/2023, and the representative said there was no sign of any form, and that I should wait until next week. After having continuously been put off, despite keeping my account in good standing, and reaching out all Wells Fargo has done is continuously giving me the run around, and not providing me with the information I requested, nor the bonus per our agreed contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states : " There is a need to insure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and 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. '' 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 XXXX and XXXX DO NOT have my consent to furnish this information and they 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. '' I was never informed of my right to exercise my nondisclosure option. 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 1681s-2 ( 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 168le states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 168lc of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CF 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' So, I am OPTING OUT OF YOUR REPORTING SERVICES.
Product: Credit reporting or other personal consumer reports

I found billing discrepancies on my credit report. The late payments listed don't align with my regular payment record. Please fix these mistakes and update my account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that a closed account is inaccurate that I did not authorize.I would like this accounts immediately remove from my XXXX and transunion credit report : Account name : XXXX XXXX XXXX Acct number : XXXX Date open for transunion : XX/XX/2022, Date open for XXXX : XX/XX/2022. Both are reporting different dates, I respectfully asked the creditor to provide some kind of proof of these alleged items, specially the contract, note, or other entrustment bearing my signature. additionally, to please provide the name, address, and telephone number of each credit grantor or other subscribers. It has been over 30 days and I haven't got a response. Under federal law they have 30 days to complete a reinvestigation. as well that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provide within 15 days of the completion of the reinvestigation. 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and.
Product: Mortgage

Green Tree Servicing LLC continues to increase our loan amount. The escrow account is used for the payment increase and fail to notified and explain, in writing, the tax accessor of XXXX XXXX tax assessment for XXXX XXXX. Housing in our area has decrease and not increase in value. They will not provide the information on how they calculated the new increase.
Product: Prepaid card

I added XXXX bucks threw XXXX to my rush card on th XXXX of XXXX. The company says everything is working but I ca n't get threw. When I do they tell me there is nothing they can do. I really need access to my funds
Product: Checking or savings account

I deposited my settlement into Navy federal credit union on XX/XX/XXXX navy federal took {$6000.00} on XX/XX/XXXX for a credit card debt from my wife 's and I joint account. this was from before our wedding and has been sitting empty with low funds for years but they decided to take the money out to pay a Delinquent account that was in collection for a credit card debt. The internet states that they can not take it for a credit card debt Under the protection act. When I called yesterday, they were very nice and said that they should read. Turn the money back cause. It shows that I deposited it with my settlement check. And that it shouldn't have happened out of the joint account today, XX/XX/XXXX the lady I spoke with was not helpful at all very rude and told me that have ever write to take my money for her account. Even though it's a joint account, but they also had the wrong address for my wife. So we never received any paperwork for the debt in the first place. 
And it's under her maiden name we could have set up payment prior if we had know. About the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports XXXX XXXX OF XXXX XXXX XXXX Balance {$10000.00} Date opened XX/XX/2018 XXXX XXXX OF XXXX XXXX XXXX Balance {$4200.00} Date opened XX/XX/2018 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} Date opened XX/XX/2018 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$4200.00} Date opened XX/XX/2018 ; XXXXXXXX XXXX XXXX XXXXXXXX Balance {$4200.00} Date opened XX/XX/2018 ; XXXX XXXX XXXX XXXX Balance {$10000.00} Date opened XX/XX/2018 2018
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX to XXXX of 2022, i filed a dispute XXXX, XXXX and Equifax about the inaccurate reporting of XXXX XXXX -- XXXX because the Dates Of last activity shows multiple dates which a violation of the FCRA because these bureaus are not reporting accurate info on my consumer credit report. So now I'm contacting the cfpb to step in and help me get this issue resolved. I have not heard from them in over 3 months as of today. Thank you
Product: Debt collection

I dont recall opening an account in XX/XX/2020, not sure why I am seeing a debt for over {$700.00}. I would like to see documents proving that I signed up for this phone plane.
Product: Money transfer, virtual currency, or money service

I had XXXX unauthorized transactions from my Bank of America checking account from XXXX. One was {$1100.00} and the other was {$550.00}. I filed a fraud case with Bank of America and they came back and said research was done and that they found that I was in fault based on their research. I was told that the transaction was done from a " device that is consistent with previous valid account activity '' - I am 100 % sure I did NOT authorize or conduct these transactions and now I feel like I am out {$1700.00} for something that is fraudulent and not my doing. I am a XXXX XXXX XXXX that works part time and I am about to start college. I can submit anything you need to help me solve this and get my account back to {$0.00} as I didn't have this money in my account to begin with. Thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received an alert from XXXX that my credit was unlocked and then a hard inquiry for discover financial services was placed on my credit. This was not me. I since locked my credit and changed all passwords related to my XXXX file. I called XXXX to dispute the hard inquiry and reported fraud.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, XXXX, and EQUIFAX concerning their handling of a fraudulent account listed on my credit report. Despite my diligent efforts to resolve this issue through appropriate channels, including providing substantial documentary evidence, the bureau has failed to remove the fraudulent account. 



On XX/XX/2024, I discovered an unrecognized account on my credit report, which I immediately reported to XXXX, XXXX, and EQUIFAX as fraudulent. Following the recommended procedure, I provided a police report, an FTC Identity Theft Report, and sent letters of dispute along with copies of my identification to ensure thorough verification. 



Regrettably, my efforts to rectify this issue have been met with inadequate responses from the credit bureau. Specifically, after their investigation, they informed me that the data furnisher had verified that the account belongs to me. However, no proof or detailed explanation has been provided to substantiate this claim, which directly contradicts the evidence I have submitted indicating identity theft. 



The presence of this fraudulent account has adversely affected my credit score and has potentially far-reaching implications for my financial health. It is imperative that this matter be resolved promptly and fairly, ensuring that all inaccuracies are corrected in accordance with the Fair Credit Reporting Act.
Product: Consumer Loan

A couple of years ago I helped a friend and cosigned a vehicle. He and I purchased an XXXX XXXX. Now that my friend is now struggling to make payments, a lot of late payments has affected my credit. I have educated myself on learning more and more about credit repair and have been doing whatever I can to maintain good credit. Unfortunately my friend, XXXX who purchased the car with me, has been struggling to make payments. It was my fault for not properly reading the documents and just signing on the line. I now am trying to help him payoff the vehicle and I tried to get the vehicle refinanced. Unfortunately I was denied twice due to the vehicle being a negative equity. As I read the payoff balance, and I now understand interest rates I believe this bank did, and has been taking advantage of the low income population. XXXX and I have been paying a 17 % interest rate on a XXXX loan. And from the document I see they are charging {$7.00} dollars of interest a day. I do not think this is a normal tactic. I 've reached out to Firstbank countless time for help and they refuse to help me. I have thought about the different ways to get myself out of my situation, but I have too much integrity. There is no possibly way I can refinance the vehicle with its current balance, and I am stuck paying this high interest. This is not a normal percentage of interest, and because of the value of the vehicle, and the interest rate, and the term of the loan, this was without a reason of a doubt, destined to become a negative equity, and the bank knew this from the beginning. Not surprisingly I was promised lower interest rates after 6 months of payments and that never happened. I see no end to this loan, I will be repaying this for the rest of my life. The bank has the control, and refuses to help my situation. Although payments were late, we are up to date, and it 's extremely unfortunate of the sleezy tactics these financial institutions use. I 'm only XXXX years old, and am contemplating bankruptcy, something I do not want to do.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> an erroneous bankruptcy was filed. Voluntary Bankruptcy Case - The Fair Credit Reporting Act, 15 U.S.C. Section 1681 et seq., is the law that controls credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a person 's credit report after ten ( 10 ) years from the date the bankruptcy case is filed. Generally, bad credit information is removed after seven ( 7 ) years. The larger credit reporting agencies belong to an organization called the XXXX Credit Bureaus. We are informed that the policy of the XXXX Credit Bureaus is to remove successfully completed XXXX XXXX cases from the credit report after seven ( 7 ) years to encourage debtors to file under this chapter.
Product: Mortgage

Our home mortgage was transferred to Specialized Loan Servicing on XX/XX/2021 from XXXX XXXX. I have been making the monthly payments. Last month, I got a notice in the mail that they had not received payment. Yet the online account shows up to date, as does the mailed mortgage statement. I was on hold for close to an hour to speak with a customer representative who stated that I was in fact up to date on the mortgage with a next due payment of XX/XX/2021. However today in the mail was again notice that Specialized loan servicing can not find my check ( it was an electronic from my bank to them and confirmed ). This is crazy making and scary as this is our mortgage. It is not okay.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX Balance : {$2700.00} XXXX  XXXX Balance : {$15000.00}