23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2020 I received a call from phone number XXXX saying that there is an important letter from XXXX XXXX XXXX and I need to be home to accept the letter. I told them I am at work. So they gave me a reference # XXXX and asked me to call XXXX. 
When I called that number, they somehow had my SSN and said that I owed First USA bank about {$6000.00} and they are suing me for it. I told them I don't know anything about this. The he started threatening me that he will use my words against me and said " Good Luck getting sued ''. I hung up the phone.
Product: Credit reporting or other personal consumer reports

Second Formal Request to Opt Out and Revoke Consent Under Fair Credit Reporting Act Summary of Request to Opt Out and Denial of Rights by XXXX  XXXX Background : First Request : Submitted to XXXX  XXXX on XX/XX/year>. 
CFPB Request : Submitted on XX/XX/year> after XXXX XXXX ignored the first request. 
Response : Both requests were denied and ignored by XXXX  XXXX Request Summary : I formally requested to opt out of any and all sharing of my credit account, transaction, and non-public information with XXXX  XXXX. My rights are protected under various laws, including the Fair Credit Reporting Act ( FCRA ) and 12 CFR 1016.7, which state : Fair Credit Reporting Act ( 15 USC 1681 Section 602 ( a ) ) : Consumer reporting agencies must exercise responsibilities with fairness, impartiality, and respect for privacy. 

15 USC 6801 : Financial institutions must respect the privacy of their customers and protect their non-public personal information.

15 USC 1681 Section 604 ( a ) ( 2 ) : Consumer reports may only be furnished in accordance with written instructions from the consumer.

15 USC 6802 ( b ) ( c ) : Financial institutions can not disclose non-public personal information to non-affiliated third parties without providing consumers an option to opt out.

12 CFR 1016.7 : Consumers have the right to opt out at any time. 
Issues : - XXXX XXXX did not acknowledge or act upon my initial opt-out request submitted on XX/XX/year>. 
- Following the denial and ignoring of my first request, I escalated the matter to the CFPB on XX/XX/year>, which was also denied. 
- XXXX XXXX has not provided the required option to opt out nor protected my rights as mandated by law. 

Issues : XXXX XXXX did not acknowledge or act upon my initial opt-out request submitted on XX/XX/year>. 
Following the denial and ignoring of my first request, I escalated the matter to the CFPB on XX/XX/year>, which was also denied. 
XXXX XXXX has not provided the required option to opt out nor protected my rights as mandated by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the following accounts completely from my Credit Reports : XXXX XXXX, XXXX XXXX XXXX, XXXX CARD XXXX
Product: Checking or savings account

key bank, sent offer of {$200.00} to open XXXX account. online it said went to web site www.key.com/personal/promo site said must be XXXX, us citizen, resident of ... Colorado .... 
opening indiv account clicked through and page said " your request cant be completed '' visit nearest branch i went to a branch and told them of offer and they opened account and switch my direct deposit - later they contacted me and said had to be online
Product: Credit card

XX/XX/23 took transfer balance loan in the amount $ XXXX 1.99 % interest until XX/XX/23. Since XXXX I'm being charged {$45.00} per month. They are applying more payment to the transfer balance and leaving the current purchase to be charged interest. XX/XX/23 I called Chase Bank customer service and eventually spoke to XXXX XXXX who told me '' you paid so much on your monthly payment that we had to apply the rest to your Transfer balance. '' I asked why I have an interest charge if I overpaid the purchases. She stated '' because the interest rate defaults to your regular purchase rate ''. I told her to send me proof of that. XXXX I received a letter from Chases asking me if I would like them to send the card member agreement???
Product: Credit reporting or other personal consumer reports

Requested a free credit report from XXXX, as well as, ALL information based on the credit account ( transactions, affiliates, non-affiliates, processes, etc. ) Have not received any information upon request.
Product: Debt collection

I had a collection appear on my account from a company called Commonwealth Financial. I disputed the account with the 3 major credit bureaus and they responded that the debt was verified but they did not send me anything to validate the claim of me owing this debt/company. I then wrote a letter to the collection company " Commonwealth Financial ''.

One month and 1/2 later approximately 50 days passed and they never responded to me. I then sent them a 2nd letter which included my previous letter along with the certified USPS receipt validating the date of delivery to their office. They mailed me a letter on XX/XX/2019 indicating that the debt is owed but still refused to send me any supporting documentation to prove so other than a generic print out of a hospital statement. This negligence and improper reporting on my credit report is causing me a serious hardship. My Rights as per the Fair Credit Reporting Act are being violated because Commonwealth Financial has neglected to send me physical validation of this debt as well as they totally neglected the reasonable time frame allowed to respond to my initial request for validation. This reporting is truly destroying my rating and I am requesting that it be looked into and removed from my reports as soon as possible. I appreciate your time in this matter and I would like to thank you in advance. I would love the opportunity to submit all of my correspondence that I have mentioned above. 
Thank you-
Product: Credit reporting or other personal consumer reports

XXXX and XXXX XXXX website, I had an outstanding approval of XXXX vehicle credit approval. I clicked the link. It took me to the XXXX XXXX site. It was to see if I could get pre qualified to see there approval price, not to get an actual vehicle. I received a notice from a credit company about XXXX XXXX. They should have not ran my credit. It should have been done with my voluntary input not running my credit.
Product: Credit card or prepaid card

On XX/XX/2018, I made an attempt to transfer membership reward ( MR ) points from my American Express ( AMEX ) account to my XXXX XXXX XXXX ( XXXX ) account. The transfer was blocked by Amex and I was unable to transfer my points to a trusted travel partner. The points are supposed to be used to book my XXXX award airfare to my own honeymoon next year. I already booked my wife 's ticket on XXXX. This is a time sensitive manner due to XXXX award tickets being limited in amounts and the time it takes to transfer MR points to XXXX ( at least 48-36 hours ). If my MR account freeze is not lifted in a timely manner ( within 24 hours ) I am afraid all XXXX award flight tickets will be redeemed by others, leaving me stranded on my own honeymoon.

I have contacted the MR department several times VIA phone and online chat function to try to remedy this situation. I have spoken to customer representatives and supervisors regarding my case. Every attempt to remedy the issue or get clarity has been futile. This is my last attempt to make things right.
Product: Debt collection

I have already provided the documentation of removing the registration from the car in question. On XX/XX/XXXX we removed the registration of the car with the DMV. Which relieves us from the tittle of the car. We had sold the Car in XXXX of XXXX to XXXX XXXX who bought the car for {$200.00}. We are not responsible for this car. XXXX had towed the car from our home. He claimed to be a mechanic. Then in XX/XX/XXXX we are notified that the car was found abandoned. We have no ties with the car. We removed the registration that clears our name as well as remove the license plates and the insurance. We have made it clear to Outsource Receivables Management that the car was sold and is not in our precession since late XXXX of XXXX. The police officer informed us on XX/XX/XXXX there was nothing else we needed to do since we had done everything we needed and more. He confirmed we had removed the registration from the car. We are not responsible for the car being abandoned and towed.
Product: Credit reporting or other personal consumer reports

I pulled my credit report with TransUnion and found a lot of hard inquiries that I have not made. I did not authorize any of the hard inquires attached in the letter and none of them have permissible purpose. Please delete all hard inquiries that are fraudulent and unverifiable.
Product: Checking or savings account

On XX/XX/year> someone hacked my discover checking account. The instant I noticed money left my account & this has happened I called my bank, I filed a police report with my local authorities, I reported a scam complaint with XXXX and my bank is saying they are not able to reverse funds which were unauthorized. More than half of my monies left my account unauthorized and I want them back. I have contacted all parties involved and my bank continues to say it was authorized when I have called multiple times telling them it wasnt and that someone has stolen my information. They have not reversed the funds from the unauthorized party. I continue to re dispute this but my bank does not want to reverse the money from the culprit. I do not know the person money was sent to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a FTC complaint, and Equifax still refuses to remove the items listed in the complaint. FTC report # XXXX Please remove immediately PERSONAL INFORMATION XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX XXXX Equifax inquiries-hard XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Review Inquiry XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX Automated Consumer Interview
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXXXXXX account # XXXX, XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXXXXXX XXXX XXXXXXXX account # XXXX, XXXXXXXX XXXX XXXXXXXX account XXXX XXXX has violated my rights .

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.
Product: Mortgage

Select Port Folio is my mortgage servicer, Submitted financials request for mortgage modification to them several times. Select Port Folio and the investor for my mortgage has been very difficult to work with the mortgage is adjustable rate mortgage and the payment continues to adjust out increasing the mortgage payment. On XX/XX/2019 I resubmitted my request for mortgage modification My request for mortgage modification has been denied several times. I have been forced to file bankruptcy to maintain ownership of my home, my bankruptcy has been dismissed and I want to modify my mortgage fix the interest rate to get my mortgage back on tracks. 
Please, Please Help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   From :  XXXX   XXXX   XXXX   XXXX .    XXXX   XXXX   XXXX   XXXX , NJ  XXXX  To : Experian   XXXX   XXXX    XXXX   XXXX , TX  XXXX  Credit Report Number :  XXXX  Attn :  XXXX   XXXX  Dear Experian : I received a response to my dispute on   XXXX   XXXX   XXXX   in regards to a bankruptcy that is currently being reported on my credit report.     I advised you that you were reporting unverified information on my credit report and you even agreed that even though the court does not report the information, that you may collection this data through the courts public records. What you failed to do is advise me of how exactly you did this or if you used a third party.      XXXX  recently was sued and a part of a class action settlement because they were listing the names and address of the courthouses on credit reports as the true source of its public records when this in fact was not true. Therefore, they had violated the Fair Credit Reporting Act by not only reporting unverifiable and inaccurate data, they lied about what the source of the verification was.     Now you, Experian, are doing the same thing and I am wondering, if I contact the same attorney,  XXXX   XXXX   XXXX ,  XXXX  to see if they can assist me in this process and if this is around the same thing that  XXXX  did.     You are reporting the court address on my credit report as US Bankruptcy  Court,   XXXX , NJ  XXXX  even after verifying the bankruptcy. You even supplied me with a copy of the  XXXX  from the court that shows the address of  XXXX   XXXX   XXXX   XXXX ,  XXXX , NJ  XXXX .     Now here is the problem, you verified an account with an address that is clearly incorrect. I   XXXX   the address you have on my credit report and although some searches came up for the courthouse in  XXXX , it clearly shows this is not the address for the court and such address does not exist. You even listed the zip code as  XXXX  and when I   XXXX   that, it showed it belong to  XXXX   XXXX ,  XXXX . Cleary this should raise some red flags.     Next on the list that proves you violated the FCRA is the you list the  Claim Amount a s {$0.00} and  Liability Amount as  {$0.00} when it clearly shoes on the Voluntary Petition that you provided me that the Estimated Assets which is the Claim Amount is between {$50000.00} to {$100000.00} and the Estimated Liabilities which is the Liability Amount is between {$100000.00} to {$500000.00}. This again proves that you verified inaccurate information on my credit report.     Then, the report shows a date of   XXXX   XXXX   XXXX   but the status of the account says that This item remained unchanged form our processing of your dispute on   XXXX   XXXX  . This assured me that no investigation was really conducted which was in fact a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I contacted XXXX regarding several items reported negatively on my consumer report. I advised them that they were in non compliance per 15 USC 6801-protection and non public personal information to report my transaction information. I did not consent for my transactions to be reported. These are the companies that I am filing a dispute on : XXXX, CAPITAL ONE, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing several accounts with all three credit bureaus for the months of XXXX and XX/XX/2019 that have clear violations. On several of these accounts, there are comments, but the date of last reported has not changed, which means they did not conduct a proper investigation. One of my major complaints has been the date of last activity on several of these accounts has been inconsistent across the three bureaus, which is a clear violation. I have asked for these accounts to be deleted from my credit report because of these violations, but instead my credit score has gone down during an active dispute. No changes have been made despite the violations. I would also like to point out that despite several attempts to correct, my date of birth and name are incorrect with one of the bureaus.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I XXXX  customer service phone number for PayPal.I called number XXXX and a man identified himself as a PayPal representative. I told him I had an ongoing issue by with hackers in all my accounts. I thought I had closed everything down and opened a new one. My daughter sent XXXX XXXX  which I never got., about XXXX months ago, my son did a test run by sendinXXXX XXXX XXXX to my account... never got it. We finally started using email address instead of user name.now it works but this guy who called himself XXXX said he needed access to my phone because it had been hacked and he needed to verify me. I had to put in a code, he wanted me to open a cash app account, put XXXXXXXX XXXX cash in the bank and buy XXXX.Then he could give me the XXXX . He also gave me this Number : XXXX and had me add him to my contacts.i stupidly did but I hung up quickly did a factory data reset.cancelled my checking account, changed a bunch of passwords ... etc. I called his number later and it said the XXXX subscriber you want is not available. I tried calling and texting XXXX and pay pal. Nobody gives a hoot.They could care less. So someone has my XXXXXXXX XXXX and probably my info and I'm really upset.This world sucks
Product: Student loan

FedLoan Servicing ( PHEAA ) has begun ignoring my standing payment instructions yet again. This is the sixth CFPB complaint I have filed because this company refuses to follow my payment instructions. My standing payment instructions were attached to a previous CFPB complaint, and FedLoan Servicing has acknowledged receiving these instructions and agreed to follow them as part of that complaint, and subsequent complaints. The most recent example of incorrectly applied payments is my payment for {$1000.00} that was applied to my loans on XX/XX/XXXX. This payment should have been applied to the loan with a disbursement date of XX/XX/XXXX ( Loan # 8 ) and interest rate of 4.45 % ( the highest rate ) but it was instead applied to loans with lower interest rates ( disbursed XX/XX/XXXX and XX/XX/XXXX ). I have attached a screen capture showing that this payment was not applied correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has implicitly acknowledged that XXXX XXXX  made a fraudulent claim of a late payment on my account by stating no evidence of a missed payment and that it is current etc. However, they neglected to remove the false report from my history saying " it will be removed automatically in XXXX years. '' I will not stand for having my credit score adversely affected for 10 years due to fraud from XXXX XXXX XXXX store card ( XXXX XXXX  ).
Product: Credit reporting, credit repair services, or other personal consumer reports

their customer service would not help and take care of the negative inquiries reporting on my credit report.
Product: Student loan

Payments made since XX/XX/XXXXshow inconsistencies with how they are applied to the principle versus the interest. Periodically payments are made where more is going towards interest and the incorrect amount is going towards principle. There are adjustments made over the years. Some say adjustments ; some are interest adjustments. Since XX/XX/XXXX, interest adjustments have been made, but no adjustments to the principle have been made. This means that the amount that was incorrectly applied to the interest is being taken off, but not applied to the principle. My questions are why is this happening consistently? Why hasn't the right corrections been made since XX/XX/XXXX? Why can I not speak to someone about this issue? I was told that a response would come to me via US post office mail. I'm unsure how this issue will be resolved by mail or why there is no one for me to talk with to handle my account?
Product: Credit reporting, credit repair services, or other personal consumer reports

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 any purpose.
Product: Checking or savings account

I submitted a {$75000.00} wire transfer for the purchase of a condo. I initiated the wire on XX/XX/XXXX. On XX/XX/XXXX I had a suspicious call purported to be Ally bank, asking for information regarding the wire. They said if that if I did not trust them to call the normal customer service line. I did not give the suspicious caller any information. I called Ally bank 's customer service line. I was told that they had no documentation of anyone calling and could not verify the number that the suspicious caller called from. They also said there were no notes on the wire transfer and it was still in review. They said that there was nobody else available to speak with. As of the morning of XX/XX/XXXX, the wire has still not moved out of review. I have once again called Ally and they said there is nothing that can be done. There is nobody offering any help or assistance. I will be in breach of contract on the condo purchase because of this issue.
Product: Student loan

The lender which XXXX XXXX sold my account to Navient. Has been calling and leaving messages to someone who was not in my life at the time I was in school nor at the time when the loan was taken yet somehow now are calling this person and pretending to be a job source and stating that this person was given as a reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple request but time has already passed but up until now, I havent heard any kind of response from the XXXX Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of and kindly help me to delete these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX