23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX we contracted XXXX XXXX XXXX to XXXX XXXX XXXX XXXX and repair our basement and garage floors and walls for {$29000.00}. On XX/XX/XXXX we applied for financing with Greensky LLC XXXX XXXX XXXX, XXXX GA. The project not being completed XXXX XXXX XXXX XXXX XXXX collected {$26000.00} from GreenskyLLC with out authorization from XXXX XXXX. We had other means of payment in place at this time, also the contract price was reduced to {$24000.00} by XXXX XXXX of inconvenience of job not being completed properly and was not mostly corrected in XX/XX/XXXX and was refused servicing after we found a wet floor in the garage XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX Disputed the bankruptcy information on my behalf and stated that it was not to be reported on my credit file. XXXX XXXX and Experian all are reporting this when they know that the company who reported it told them to remove it. This was reported on XX/XX/ XXXX  The XXXX case number is XXXX for XXXX. XXXX Case number is XXXX on XX/XX/XXXXXXXX XXXX XXXXXXXXThe Experian Case number is XXXX also on XX/XX/XXXX XXXX XXXX All case number are the XXXX case number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to all three credit report explaining my situation and the purpose to have a good credit. Recently my Equifax was XXXX and they subtracted XXXX points because I open a new credit card and I think it is a lot of points and it is a mistake. My credit score instead of going up goes down. I dont have late payments and my credit uses it is not to high.
Product: Mortgage

My Husband and I applied for a Home Equity loan with PenFed CU in the latter part of XXXX or early XX/XX/XXXX. We were told that the loan would be a HELOC. We were not familiar with this type of loan. I do remember stating we wanted a traditional Home Equity Loan with or without a cash out option. We were never made aware that there was a provision that prohibited us from securing a HELOC. We were told we would have to wait one full year before applying for a refinance with the cash out option. 
We understood the interest rate would be the prime rate at that time and we could lock in at that rate or later. Also, we would have incurred an additional 3 % interest rate at the point we locked in the rate. As the prime rate continued to rise we waited hoping it would decline. But that never happened. On many occasions I contacted PenFed to check the interest rates. We have endured an extreme financial hardship after obtaining the HELOC. We have submitted several applications with different lenders to obtain a refinance of our Home Equity. But, were denied. Even the application we submitted to PenFed was denied due to our debt to income status. PenFed of all the lenders should have refinanced the HELOC as a second lien home equity loan or refinanced our first mortgage with the HELOC to relieve us of this hardship. We later learned and understood the 50 ( a ) 6 provision restricts Texas residents from securing a HELOC. But, for some apparent reason we were able to obtain a HELOC. I dont understand how this atrocity could have happened. My Husband and I did not withhold any information nor did we defraud the lender to obtain the loan. PenFed should be liable to make us whole or reach a compromise settlement to correct their error/wrong and we should be compensated for the interest we paid since the loan was secured. 

XX/XX/XXXX - Also sent an email to XXXX XXXX, XXXX for XXXX XXXX XXXX XXXX XXXX with PenFed CU.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance wi the fair credit reporting act, XXXX, XXXX account number 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Student loan

I graduated college in XX/XX/XXXX. Through the past years I had trouble paying my monthly payments for the loans. I did deferments and forebearances throughout the years while I went to XXXX in the XXXX. I graduated in XX/XX/XXXX. I am not a XXXX though now. .My student Loan provider was XXXX and then changed to Navient. Since XX/XX/XXXX, I have made payments every month with a couple of late ones but always paid the amount owed. I have made a total payments of around XXXX dollars but yet my principal balance has not gone down at all. I do n't understand how this can be. I do n't know why some of my payments are not going toward the principal balance. All I have been doing is paying interest or something. I heard there is some lawsuit. Do I get to be a part of that or how do I join that lawsuit against this company? Please help!
Product: Money transfer, virtual currency, or money service

Transfer Date : XX/XX/2024 Amount transferred XXXX USD From my BOFA account to my foreign account XXXX XXXX XXXX. 
BOFA offered me two ways, one is free if transaction is by foreign currency and second is for XXXX XXXX  if transaction is by US dollars. I selected by foreign currency as it was free. But later on I found out that BOFA used own exchange rate with is well less than normal exchange rate offered by currency exchange market. I realized it after XXXX days. Resulting the loss of around XXXX USD at the end. 
According to XXXX XXXX market for XX/XX/2024 the rate was XXXX XXXX  = XXXX XXXX According to the BOFA for XX/XX/2024 the rate was XXXX XXXX = XXXX XXXX  As a result XXXX XXXX  = XXXX XXXX  according to the BOFA ( XXXX XXXX XXXX  ) When it should be XXXX XXXX  = XXXX XXXX ( XXXX XXXX  = XXXX XXXX ) Difference is XXXX XXXX  = XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 2 Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXXBalance : {$4500.00}
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer reports and noticed that have XXXX late payments on an account that I have never been late for the consumer reporting agency has assumed a vital role and have a responsibility to report customer information to the best of thier ability with maximum accuracy. I have never been late on payments for the following XX/XX/2022 XXXX XXXX XXXX account that I have included in the screenshot attachment. Please investigate and provide proof with statements showing that these payments were late If proof can not be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact that I was never late. Thanks and please see attached screenshot.
Product: Credit reporting or other personal consumer reports

On XXXX a credit card for the amount of {$3000.00}, on XXXX a car loan for the amount of {$30000.00} and on XXXX another car loan for the amount of {$98000.00} was opened in my name without my knowledge or consent. I have reached out to all consumers and all 3 credit bureau insisting that they handle these fraudulent accounts respectfully. I have mailed all parties all the documents including police reports and FTC reports to hep wit this matter. XXXX and XXXX has since received all documents and removed these fraudulent accounts respectfully. XXXX responded back to me claiming that the consumers verified these fraudulent accounts which is a violation of my right under federal law XXXX ( c ) I also spoke with a supervisor at XXXX Special Handling Department by the name of XXXX XXXX which he responded that I need to contact consumer again and there was nothing he can do after who explained to me that all my paperwork was valid including police report. so I totally feel like I am being Biased towards me because I informed him that my rights was being violated and I was gon na file a complaint which made him claim that he was gon na put the dispute back in.. he refused to handle this matter professionally and I would like for someone to take over this matter respectfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUESTED ALL PAYMENT HISTORY MADE TOWARDS CAR PAYMENT. XXXX DENIES TO DO SO. 
THEY ARE REPORTING THAT XXXX WERE WRITTIN OFF. INCORRECT. 
MADE 13 PAYMENTS OF XXXX EACH PLUS A 0NE TIME PAYMENT OF XXXX TO RECOVERY PLUS A XXXX DOWN PAYMENT.
Product: Checking or savings account

I have used cash app for more than two years with out any issues. Than one my account was town was compromised and I became a victim. I notified them immediately upon finding out and I filed disputes. It was blatantly clear that none of the charges that were accumulated in mind and then I made them charges and although this was the case cash out through there investigation decided to say or claim that there was no wrongdoing or no wrong charges and then went into retaliation mode and close my account and in doing so removed all records of previous transactions that were stored in my confirmation. I believe this was in retaliation to the fact of me find a dispute. I've been told by others prior to this day if you have a dispute their retirement and they just close your account because they don't want to pay out the money that they should be paying you back because they know they allowed charges to go through and they shouldn't have I find them being totally 100 % responsible and liable for all and the transaction event have occurred that were not authorized. I am in need of all my friends that were wrongfully taken to the return and for a heavy fine to be leveraged against this company for their participation in the criminal enterprising of fraudulent activity
Product: Credit card

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : AMERICAN EXPRESS XXXX
Product: Checking or savings account

My bank ( XXXX XXXX ) uses a 3rd party company, Fiserv for Bill Payment Services. We requested a stop payment thought FiServ on a duplicate payment being sent to our Cell Phone Provider ( XXXX ). XXXX XXXX  communicated to us that the stop payment had been processed. Many days later we learned that a freeze had been placed on our bill payment service and none of our bills had gone out for payment. In a panic we called XXXX XXXX, who directed us back to FiServ. FiServ told us that they wouldnt unfreeze our Bill Payment until we paid them {$210.00}, which is the amount they said they sent to XXXX on our behalf even though we requested a stop payment AND the stop payment had been confirmed by XXXX XXXX. We informed FiServ that XXXX hadn't posted a duplicate payment from us. Additionally, XXXX informed us that they never received a duplicate payment for us. 

We continue to request a refund from FiServ in the amount of {$260.00}, but they are not willing to do so and keep telling us to call XXXX. XXXX says they don't know what FiServ is talking about and has never received communication ( XXXX or phone call ) OR a second payment from XXXX XXXX. 

This is clearly an issue of a bad process on the part of XXXX XXXX  and FiServ. Specifically, there are no verbal disclosures that are covered on the call informing consumer that there may be a freeze placed on bill payment services. Additionally, they don't offer a process in place for the consumer to recover funds in a reasonable manner. I'm assuming that this failure in process has impacted more consumers than just me. It's as if XXXX XXXX  is allowing FiServ to hold customer bill payments hostage until they pay for a stop payment that's in process .... REGARDLESS OF IT WAS RECEIVED, PROCESSED AND POSTED BY THE COMPANY THAT WAS TO BE PAID. 

I'm currently 8 hours into this process and still have no answers. I'm furious and disappointed in both companies. I'm requesting the CFPB investigate this process failure by XXXX XXXX  AND FiServ ( Especially FiServ ) .I can only image how many consumers have been impacted by this issues and suffered overdrafts, late payment fees, negative credit bureau impactsetc. Additionally, I'm requesting that the CFPB levy monetary fines against FiServ specifically on behalf of consumers for this process failure. 
Ill also be sending this summary to a number of attorneys for a class action lawsuit against FiServ.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Sectio
n States : 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. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

Between XX/XX/XXXX and XX/XX/XXXX, a credit card with CAPITAL ONE was added to my report. This account was opened on XX/XX/XXXX. 
I did not open this account and I was not aware of this account until I was notified that 105 % of credit card usage was made.
Product: Student loan

On XX/XX/XXXX2017 I called Navient my student loans provider to talk with them about my approximate monthly payment and the options for lowering my monthly payment once my grace period ends in XXXX. My family and I just moved from XXXX XXXX county in XXXX upon our completion of school to XXXX XXXX because we could no longer afford our bills, rent, etc. We had accumulated in {$8500.00} in credit card debt just to survive. We 've moved in with my family and are essentially homeless. We can not afford my {$590.00} payment for my private loans on top of the payments for my husband and my federal loans. I was told there are not really any long term solutions to help me, despite the fact we ca n't even afford a home to live in with our XXXX XXXX. The lady I spoke to was not accommodating to our situation and made it clear that I could not be helped with anything until XXXX XXXX, 2017. Simply, I can not afford my private student loans to Navient, and still be able to put food on the table for my family.
Product: Debt collection

I hired XXXX XXXX XXXX to negotiate with my creditors and resolve any past due balances I enrolled in a payment plan in 2017 at XXXX monthly until all accounts were resolved currently still in program at working off the last ( 7 ) XXXX XXXX XXXX Credit card Services was the only account left after several attempts by XXXX XXXX XXXX they refused to negation and would no loner speak to my representatives that took over my debt, I am XXXX XXXX XXXX a only receive below standards of Living income monthly. I personally tried to reach out to XXXX XXXX XXXX and was told the account was a charge off and was sold to Hunt & Heriques Law firm,  XXXX XXXX drafted up a summons and complaint with outrageous add on fees that XXXX XXXX XXXX never had a XXXX bill went to XXXX and I do not recall ever getting to XXXX with XXXX XXXX XXXX, This law firm Filed this with a court in XXXX county superior court I do not live anywhere near this county they falsified to the court it had jurisdiction got a summons and complaint then went to a family members house where I never lived at and gave the summons and complaint to a family member XXXX XXXX I have a Video off a XXXX  camera with process server not even asking for me by name only asking name of the family member. This firm is buying old debt for penny 's on the dollar the lying to the court it served papers on the Defendants I personally researched over 80 cases thrown out for improper service This firm has no legal right to any compensation they do not even have documented proof beyond my name a old credit card account no signed agreements between even opening the account XXXX XXXX XXXX has reached out to this law firm however so far unsuccessful. If I do owe Money they do not have the right to collect it under law XXXX XXXX XXXX does have that right not them I was also told by XXXX XXXX XXXX the matter is resolved and why this Law Firm Hunt & Henriques is using the name XXXX XXXX XXXX as the Plaintiff Because they are not this a a bought account Charge Off and submitting untruthful statements under the penalty of perjury is a crime countless victims have been abused by this firm in the past and has several new cases Filed in XXXX superior court in XXXX California the main objective of this firm is to file bogus law claims against people improperly serve them by any means a try to win by default because the person was never legally aware about legal action like myself was contacted by 3rd party Family member after the fact if this law firm actually represented XXXX XXXX XXXX they would have a full file with signed documents with my name and a list of charges down to the last penny its called accounting XXXX XXXX XXXX  has the funding to pay XXXX XXXX XXXX XXXX this Hunt & Heriques has failed to negotiate ( XXXX XXXX want to make money in legal fees to line his pockets with money that is not due to him and the law firm he works for located in XXXX ca.
Product: Credit reporting, credit repair services, or other personal consumer reports

defamation of character. 
XXXX  said my XXXX shows a late clearly from transunion paid on time never late
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, its a hard inquiry dated XX/XX/2017 XX/XX/2017
Product: Credit card

I went to use my credit card from Discover & it would not work. I NEVER received a call or any correspondence via mail OR email. When I accessed my Discover account online I found out my card account was closed by CREDITOR & it would reflect that way on my credit report. Im NOT a late payer either. I was shocked.