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

The company is reporting credit inquiry information on my credit report without my written consent. My written consent is always required before my non public personal information is shared by any person other than me.

I have never provided the company with any consent or implied consent to report such information. I contacted the company and the agents refused to provide me with proof of permissible purpose and written consent from me. The company refused to provide the information requested. It is clear that the company is negligent and willfully violating permissible purposes of consumer reports under the Consumer Credit Protection Act. 

The excessive inquiry information has ruined my credit standing and caused privacy issues which is causing me emotional distress. 

The inquires are listed as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter to the credit bureaus about inaccuracies and unknown items on my credit report. I have yet to receive a response, even though it is now the 57th day, I feel as if I'm being used and that my concerns are being discarded. Failure to investigate these items within 30 days, as specified in Section 611 ( a ), is grounds for immediate removal of those items from my credit report. They should be removed as soon as possible because it has been over 30 days. I demand that these accounts be removed immediately, or I will pursue legal action as a result of the stress you have caused me. My information was also exposed to the Equifax data breach, and it may have ended up in the wrong hands.
Product: Debt collection

A Cease and Desist and Validation request was sent via Certified Mail. The request was made withing 30 days. Vendor refused the letter and sent it back unopened.
Product: Credit card

I was charged XXXX $ by a merchant on my card on XX/XX/year> through XXXX XXXX. I never received the product that I ordered. I tried to contact the seller but they never responded. 
I filed a claim to the credit card company but was rejected. I would like to ask if I can file a complaint in order for the companies involved to look into this.
Product: Vehicle loan or lease

I purchased a vehicle in XXXX of 2022 that was financed through Wells Fargo and I started to notice after some months that the fees I was being charged was abnormally high. They are currently charging me a interest rate of 6.39 % and a finance charges of {$5700.00}. My loan amount for the vehicle was only XXXX for XXXXmonths. my finance charges versus my interest rate is extremely high and I believe they took advantage of me. I excellent credit and I have never had this happen to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX- debt does not belong to me/ no contract- XXXX XXXX.- debt does not belong to me/no contract XXXX XXXX- was removed and replaced back on my credit without a notice. The orignal was XXXX XXXX and the account does not belong to me XXXX XXXX XXXX- debt does not belong to me/no contract XXXX XXXX XXXX- debt does not belong to me/no contract XXXX   XXXX XXXX XXXX- debt does not belong to me XXXX XXXX XXXX- not my debt/ was removed from XXXX and XXXX- 'EXPERIAN FOLLOW SUIT WITH REMOVE ASAP '
Product: Credit reporting

Equifax has not properly investigated my credit report regarding the status of student loans being reported. I have disputed multiple times that the accounts should not have been included in bankruptcy as they are not dischargeable. My bankruptcy case is closed and yet they have failed to update my XXXX student loans held by XXXX as active current accounts. They have never been late but they refuse to correct the information on my report.
Product: Credit reporting or other personal consumer reports

I asked Experian to remove a repossession from my credit report because it was included in a XXXX XXXX bankruptcy. I sent a copy of the XXXX XXXX paperwork and they apparently did not even look at the XXXX. Within a few days I was sent a form letter telling me that Experian had contacted the bank and the bank said it was a valid collection. The bank had turned the collection over to a collection agent who contacted me. The collection agent said that the loan was covered in the XXXX and that he had closed the collection case. If a collection company says the loan was uncollectable because it was included in a XXXX, then Experian should have at least looked at the XXXX paperwork and addressed that issue. However, they never even acknowledged that they examined or researched the XXXX.
Product: Credit reporting or other personal consumer reports

RE : Social Security Number : XXXX To Whom It XXXX Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) 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. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, FL XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

My only Phone number is XXXX XXXX XXXX XXXX Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows in this letter above.
Product: Consumer Loan

On XX/XX/2015 I sought a loan from Avant the loan is funded by XXXX in the amount of {$14000.00} the loan was deposited into my checking account on or about XX/XX/2015. I began to utilize the funds from loan to consolidate credit cards / bills, on or about XX/XX/2015 Avant did a pre authorized debit for the full amount of {$14000.00} from my checking account. This caused my account to fall approximately {$8700.00} negative, I immediately contacted Avant whom informed me that there was a huge error and that they would exspite a return. I continually attempted to contact Avant until about XX/XX/2015 an was advised that the loan remained paid off in full. This forced me to call my bank and file a claim for what suggested a fraudulent activity. XXXX began reversals of the funds and refunded me for various overdraft fees and NFS fees. I had to go approximately 2 weeks while my account remained negative, I was n't able to pay many obligations such as rent or other financial means. XXXX was able to retrieve my funds XX/XX/2015 and Avant is attempting to collect again on this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681, Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978, and credit denial in violation of 15 USC 1681a ( k ). This entity also violated 15 U.S. Code {$1600.00} ( p ). Also violating 18 USC 894. Using my TRADENAME without express written consent in violation of O.C.GA. $ XXXX Names Reported, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( credit furnishers ) have violated my rights, and restraint of trade in violating of 15 USC 1, and 15 USC 2 Additionally, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent 15 U.S. Code $ 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act.

All negative items to be removed, To be compensated for all payments sent.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding the incorrect reporting of a late payment on my account. Despite the companys records indicating the payment was late, the monthly statement and my own records confirm the payment was made and received on time, prior to the due date. This error has potentially harmed my credit profile and caused unnecessary stress. I request an investigation into this matter, correction of the error, and an update to all relevant credit reporting agencies to accurately reflect the on-time payment. Additionally, I seek written confirmation once the issue has been resolved.
Product: Mortgage

I began the refinancing process with Lake View Loan XXXX XXXX 2020. 
I have been displaced from one processor to another, totaling two as of today. 
I received an initial email from my 2nd loan agent on XXXX/XXXX/2020. 
I sent a status email to her on XX/XX/XXXX. I placed multiple emails and voicemails, when after several weeks of no return calls or responsive emails. ( Dates : XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) I finally received a call that due to an audit, things had been delayed, no such knowledge of this in the weeks prior. The agent informed me that she would do better with communication. I was not confident in the company at this point but proceeded. 
We agreed on a closing date of XXXX/XXXX/20, with the closing disclosure set to be sent to me within 2-3 business days. To date, it has been 7 business days with no disclosures. I have left 2 voicemails and sent another 3 emails requesting status updates, as the date is fast approaching. ( Dates : XXXX, XXXX & XXXX ). No return call, or email. I find this to be very disheartening and unprofessional, as I have returned documents and responded to their requests for documents in a timely fashion. I do not intend to continue business with this company, as it is clear, they do not value their consumers, time or exercise good time management. This company is by far the worse mortgage company I have encountered. As a recent first time home buyer, I am saddened that they cheapened my experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this many times and Experian will not remove this account that is incorrect. I have finally cleaned out my storage unit and was able to locate the letter from XXXX XXXX  regarding my items that show on my credit report as being returned. I have sent that and the envelope showing the stamp date and asked that they fix this account that was reported as a collection and with a XXXX balance as well. They just sent back the dispute investigation and have refused to remove this from my credit report
Product: Bank account or service

On XXXX/XXXX/2015 XXXX XXXX Sales and Rentals of XXXX XXXX XXXX XXXX WV XXXX started processing a new merchant account / credit cards through " XXXX product of First National Bank of Omaha address XXXX XXXX XXXX XXXX XXXX Member FDIC XXXX. XXXX XXXX number XXXX with a Point of contact of XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX XXXX XXXX XXXX. 1. First problem no written/signed copies of your signed agreement with the Bank and us, none was provided back to us. 2. The Bank rates differ greatly from the in writing promised rates. 3. Fees different as promised. On XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I wrote the following email " Dear XXXX, I just got my bank statement and XXXX XXXX is {$800.00} more than what you quoted us. You Promised we would save {$200.00} on our fees so, that makes us {$1000.00} in the red. Please contact me as soon as possible. '' Reply on XXXX XXXX XXXX the following- " XXXX XXXX ', checking the situation out. What ever, their will be a credit on next months bill to straighten things out. Frankly, I believe it was the XXXX " SALES SUPPORT '' teams fault. I had a bad feeling about the situation when I sent the deal in. The " Sales Support '' team member did n't fully understand that we had done a price comparison program with you all and he entered the rates as if it were a new account accepting credit cards without the card holder being present. That rate is higher, but we had worked out a comparison program based on your previous statements. In my talking to XXXX regarding this it seems that the Sales Support Team Member I got who 's job it is, is to see that applications are filled pout properly took it upon himself, without consultation with me, to enter the rates as if XXXX XXXX was a new merchant with no processing experience. So he, the Sales Support Team member entered our highest rate. I was told the Sales Support Team Member was a relatively new employee and not totally familiar with systems. I am getting it straightened out and will have credits issues for this most recent months statements and last months partial statement.I 'll call you when I have more definite word. I deeply apologize for the mistake and inconvenience. XXXX XXXX " XXXX '' XXXX XXXX " XXXX was to be 2.25 % now 4 %. Has been no further contact from anyone at XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan, a XXXX loan, was first serviced by XXXX XXXX XXXX, which no longer has the loan, as the contract with the US Dept of Education was cancelled. I have never been late nor missed a payment. 

My credit files show that the loan was 120 day late in XX/XX/XXXX of 2012 as reported incorrectly by US Dept of Ed - XXXX, which was the loan servicer that no longer exists. 

This makes no sense because it is showing as current the month before and after.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and did not open those accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the XXXX XXXX XXXX  and I also have enclosed copies of the XXXX XXXX XXXX Identity Theft Affidavit. I would appreciate it if you deleted these items immediately as it is hindering me from moving to a new home. This issue is frustrating and I just ask that I can be assisted in any way to help my situation.
Product: Credit card

back in XXXX 2016 was the last payment I made because of financial difficulties I started paying {$60.00} in XXXX and XXXX and they say that 's not enough. I 'm trying my best I live in a mobile home that the floors are caving in and am trying to get a new used one. Well because of them letting the whole world know that I was behind on my payments which I think is completely wrong it is keeping my scores down.This is the first time I have done anything like this. They wont even lower the interest. I am XXXX and cant do anymore than I can, i do n't want to be living on the ground
Product: Credit card or prepaid card

I have an Apple credit card. Apple uses Goldman sachs as a bank. I opened another credit card with XXXX  to do a 0 % interest balance transfer from my Apple card to XXXX. 

I submitted the balance transfer and in about 3 business days the {$3000.00} showed up on my account in XXXX  credit card, but my Apple card balance remained the same. I waited an additional 7 business days and the {$3000.00} that i transferred was still showing up on my Apple card and now on my XXXX card. Now it is showing that I am carrying an additional {$3000.00} + the {$150.00} fee i was charged by XXXX  to make the transfer. 

I called the apple credit card support line and talked to a goldman sachs representative and he told me that at this time Goldman sachs doesn't support balance transfers. But how was the balance transfer able to show up on my new credit card. Goldman sachs should have declined that Balance transfer in their system if they do not support balance transfers. It is criminal to put this burden onto the consumer where it now looks like i've taken an addition {$3000.00} in high interest credit card debt, which impacts my credit score and ability to make future financial decisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 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 ) I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies F ) Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX ( COVID19 ) pandemic during the covered period. 

I am writing this for the 2 late payments that is reporting on my credit report XX/XX/XXXX and XX/XX/XXXX. I have tried to get this updated because its affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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. 

1.XXXX XXXX XXXX, ( XXXX ) XXXX 2.XXXX XXXX XXXXXXXX, ( XXXX ) XXXX 3.XXXX XXXXXXXX XXXX, ( XXXX ) XXXX 4.CXXXX XXXX XXXX, ( XXXX ) XXXX 5.US DEPT OF EDUCATION, ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. 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. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. 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: Credit card

Navy Federal Credit Union We apply credit to that company with my girlfriend XXXX XXXX XXXX and then im athourized user to that account but in the end there never get resolved that issues and until now there never resolved the issue there said we owe money to them that truth is there discriminated us with XXXX XXXX XXXX something not right there manipulating our situation and there hacking all devices we have and there trying to ruined everything to us.We can not get any answer clear from them and there close the account and there trying to take out my name as authourised user now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U. S. C 1681 section 604 A Section 2 : it also states the consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information was used without my authorization to obtain credit for various services, including medical and utility services. 

Please be advised that I did not give consent for these transactions, nor did I open these accounts or receive any services related to them. I am a victim of identity theft, and I am requesting an immediate investigation into these accounts. I ask that all fraudulent information be removed from my credit report and that I be provided with confirmation once this has been completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed a complaint against XXXX XXXX XXXX   with the Consumer Financial Protection Bureau ( Case Number : XXXX ). In the complaint, I expressed, in my opinion, XXXX XXXX XXXX violated Texas Finance Code 392.202. 
Shortly after the complaint was filed, I received a response from XXXX XXXX XXXX, via the CFPB, on XX/XX/XXXX. In the response, a representative acting on behalf of XXXX XXXX XXXX, states the following : In light of the forgoing, and in accordance with the consumers request, we have requested deletion of our tradeline from the consumers credit report. XXXX XXXX XXXX made good on that promise, as the negative reporting was removed from my credit report. 
Unfortunately, after reviewing my credit report in XX/XX/XXXX, XXXX XXXX XXXX, and or, Resurgent Capital Services, is once again, reporting negatively to the credit reporting agencies. In my opinion, XXXX XXXX XXXX, and or, Resurgent Capital Services, is playing Fast and Loose, with the FCRA.
Product: Debt collection

Paid debt in full, and debt collection company is refusing to return phone calls or write a letter to my school ( University XXXX ) so that I can have my transcripts released to a school that I am transferring to next month.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX  Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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.