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

In accordance with the fair credit reporting XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX  account number XXXX XXXX  account number XXXX XXXX XXXX XXXX account XXXX XXXXXXXX XXXX XXXX account number XXXX has violated my rights 15 U.S.C 1681 section 602A 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.

I have filed disputes against these companies several times and each time they come back as verified without validation or corrections. This has caused me many denials and much stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial has placed an recognized/unauthorized inquiry on my XXXX  credit report on XX/XX/2021.
Product: Credit reporting or other personal consumer reports

This letter is in response to your recent claim that the credit bureaus has verified that the accounts they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account ( s ). I am formally requesting a copy of any binding contractual obligations to pay them the exact amount claimed. Any automated response E-Oscar verification is unacceptable. I am requesting a re-investigation and your Method of Verification. According to 15 USC 1692c ( c ) if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consume, the debt collector shall not communicate further with the consumer with respect to such debt. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission. According to 15 USC 1681 I have the right to privacy. According to 15 USC 1681 s-2 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. ( B ) Reporting information after notice & confirmation of errors. A person shall not furnish information is inaccurate; and ( ii ) the information is, in fact, inaccurate. XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX BANK XXXX XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 called XXXX XXXX XXXX and/or XXXX XXXX ( XXXX XXXX XXXX ) when I finally reached a rep ( XXXX ) described the situation ( fraud indicator about address ). I wanted to know which address was triggering the fraud indicator. She was unable to tell me that info, suggesting I try a dispute w/XXXX. I've already done that, and the issue has been going on for a month w/numerous phone calls to creditors, credit bureaus, and smart move. XXXX sent me to her supervisor XXXX. XXXX was unable to help me either and kept referring me back to XXXX. How is it possible for any and all of these organizations to provide information about me, to potential landlords/creditors/etc and have no documentation to back it up? XXXX said the info was verified. Since I still don't know which address specifically they are referring to, how was it verified? What is that verification? No one knows or is willing to share that info w/me the consumer that they are reporting it about. There is no accountability to anyone for anything they are reporting that I can see.
Product: Credit card or prepaid card

The interest rate fluctuated which every time XXXX playing more then I expected and I really didnt have the knowledge but I felt something was wrong so I left that bank bc the was taking my my money by their interest rates
Product: Credit card or prepaid card

I was set up with auto-pay for an amount higher than the minimum payment and the Minimum payment changed and they charged me late fees even though the account was set up with Auto-pay. I requested the fees to be reverse and they did not do it. Due to this issue my credit score took a dive and they wont fix it either.
Product: Mortgage

My wife, XXXX has a XXXX mortgage serviced by Regions Bank, dba Regions Mortgage (loan XXXX, property address XXXX AL XXXX).  Regions Mortgage representatives (primarily the "Single Point of ContactXXXX but (all) others as well), have repeatedly misinformed my wife and I regarding possibilities for a  loan modification.  I have only learned yesterday, XX/XX/XXXX that our loan is not owned by Regions, but by XXXX.  Yesterday, I called Regions Mortgage, and the extraordinarily unhelpful XXXX our "Single Point of Contact", was unavailable, and so I had the opportunity to discuss the overdue mortgage with another representative who repeatedly said the my wife did not qualify for loan modification because of the "Investor" requirements could not be met.  As this representative repeatedly used the term "Investor", I finally demanded to know exactly who was the "Investor".  It was only then that it was disclosed this loan was owned by XXXX.  As this is actually a XXXX mortgage, my wife would have been potentially eligible for a loan modification with lowering of interest rate.  To my knowledge prior to yesterday, we have never been informed of, or told to read the XXXX website, rather we have been instructed multiple times to research our options at XXXX "Know Your Options".  We had dealt only with Regions, who we thought owned the mortgage, and who calls us regularly both by "robocalls" and actual people, so prior to yesterday, were not aware that our loan was owned by XXXX. This was never made clear to us in spite of multiple calls and letters from Regions.  Regions obscured the fact that the loan was owned by XXXX,  either purposefully in order to deceive, or by  gross negligence, so we were unaware we could apply for a loan modification either in XX/XX/XXXX or anytime prior to this and thereby overpaid XXXX of dollars before going into default in XX/XX/XXXX.  We have repeatedly asked Regions for a reduction in interest rate, and Regions has always maintained that my wife was ineligible as she has (1) no income, and (2) lack of equity as they maintained we needed to have an appraisal to establish that there was sufficient equity that was needed to be at some level before the loan could be modified.  As we knew that the value of the properties in the local neighborhood declined greatly since our purchase, we knew that we had no equity and to pay for an appraisal was wasted money.  What we did not know, and we were not informed of by Regions despite our repeated inquiries going back to at least XX/XX/XXXX, was that HARP loan modifications can be done for properties with no equity and in lieu of income, proof of and amount equal to XXXX months of mortgage payments is sufficient.   I believe that Regions has been at best negligent and perhaps fraudulently misrepresenting themselves as the owner of this mortgage, and this deception directly prevented the application for loan modification under HARP.  We intend to pursue this at all available levels, and any assistance you can provide will be appreciated.  Thank you.
XXXX
Product: Credit reporting or other personal consumer reports

Sent Letter to company about Fraudulent account being removed from my credit report no response was given filed complaint with XXXX  Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is Charged off which is a violation of my rights I never gave any written consent for this to occur this is idenity Theft. The creditor has sold/furnished my debt and is not negatively reporting it on my credit profile this is damaging my name as I try to advance in life. 

in accordance with the Fair Credit Reporting act XXXX XXXX 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 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I want this negative impact removed from my credit immediately or to be compensated for the violation of my rights 15 U.S.C 1681n States : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter 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 ; I would like to be compensated for all of these errors and violations
Product: Credit reporting

XXXX obtained my credit report without my prior authroization or consent. Since I already have a pre approved loan with XXXX, I informed them that I would use my approved loan instead of them financing. But XXXX XXXX pulled my credit report from EXPERIAN CREDIT BUREAU without my authorization. I also didnt provide any written or oral authorization for obtaining my credit report for auto loan financing. I also contacted XXXX and they told that they neither obtained my credit report nor applied for auto loan financing. Below are the unauthorized inquires. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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 or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 


XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX Balance : {$940.00} XXXX XXXX Balance : {$4300.00} XXXX  XXXX XXXX Balance : {$730.00} XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$21000.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am writing this personal statement on my behalf. I've recently uncovered fraudulent information on my credit reports. My personal information was used to open accounts and gain financial goods and services without my consent. I request that the information in this report and attached to my statement be removed immediately. The accounts are listed as follows : Accounts requesting to be removed ASAP : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

An a unauthorized charge of {$100.00} was made to my credit card on XX/XX/XXXX. After repeatedly writing to this bank and proving I did not authorize this charge, received no goods in return for the charge, and according to banks own terms and conditions I should not be liable for this charge, the bank refuses to remove or credit the amount, gives me a different reason for its refusal each time, will not even sign their letters with a person name or contact. I have proven my point. Ive never had such trouble with a bank in my life. Im XXXX, old, sick and tired of fighting this battle with them! But almost {$110.00} is a lot of money to me. Plus, the principal of the issue is this is a fraudulent, unauthorized charge and I do not believe I am liable for it. Im pursuing a separate claim through other agencies against the so called company that made this charge. I want the bank to stand by its terms and conditions and remove this fraudulent amount!
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. 
XXXXXXXX XXXX Account # XXXX, Has violated my rights. 

XXXX XXXX XXXX XXXX. Account # XXXX Has violated my rights XXXX XXXX XXXX XXXX. Account # XXXX Has violated my rights. 

XXXX XXXX XXXX. Account # XXXX Has violated my rights. 

XXXX XXXX XXXX Account # XXXX Has violated my rights. 

XXXX XXXX. Account # XXXX Has violated my rights. 

XXXX XXXX recoveries. Account # XXXX Has violated my rights. 

XXXX XXXX XXXX. Account # XXXX Has violated my rights. 

XXXX XXXX XXXX Account # XXXX Has violated my rights. 

XXXX XXXX. Account # XXXX Has Violated my rights. 

XXXX XXXX XXXX XXXX. Account # XXXX Has violated my rights. 

XXXX XXXX XXXX XXXX. Account # XXXX Has violated my rights. 

XXXX XXXX. Account # XXXX Has violated my rights. 

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 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.
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. 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

VALIDATION AND CEASE AND DESIST XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : Please provide me with a copy of any contract I signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ) I request the following information. 

1. Proof that the original creditor securitized the debt.

2. Documentation showing that the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

This debt was charged off in XXXX and it then reappeared on my credit report in XXXX and XXXX. 

Please cease and desist from collecting on this debt until you have provided validation of debt. 
Additionally I request that you do not access my credit report or report anything to my credit bureaus. 

I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Debt collection

On XX/XX/XXXX, and on days prior to and after XX/XX/XXXX, Capital One has continued to call and harass me about an alleged debt. Capital One has also made calls to me at very inconvenient times. Capital One has violated 15 U.S 1692d and 15 U.S 1692c ( a ) ( 1 ).
Product: Student loan

Dear CFPB, I am writing to illustrate some grave concerns I have with FedLoan 's servicing of my student loan, at the directive of the Department of Education ( DOE ). On XX/XX/2019 I received a notification from FedLoan that my loan had been placed in an " Administrative Forbearance ''. There was no disclosure in the letter why the forbearance had been applied. As required by the Truth In Lending Act, there was disclosure in the letter around the compounding of interest associated with this loan being placed in forbearance. After talking to the Department of Education it seems that the forbearance was placed on my account in response to the Borrowers Defense Fund ( BDF ) which I was apparently enrolled in a year before. The representative at the Department of Education for the BDF stated to me that there are over 200,000 applications pending review and that there is no expected timeline for the review, and that the process may take years to be addressed. Furthermore, she stated that no loans had been discharged through the BDF. I would like to tell you that the placement of this Administrative Forbearance onto my account caused a cascade of repayment issues with FedLoan, as I am also enrolled in the PSLF program, so making monthly payment is imperative. Although the personal situation of my account is bothersome to me, I have greater concerns about placing interest bearing Administrative Forberances onto the accounts of already at risk borrowers. When these loans are finally reviewed by the BDF, and return to a payment status there will be years of compounded interest applied to borrower ' loan, which will likely create a whole new crisis in student loan lending. If the Department of Education would like to take years to review these loans for eligibility for discharge, or rather spend years in court trying to find ways to circumvent borrower 's relief, these loans need to be placed in a non-interest bearing status while they are under review. 
As required by TILA, there was no language in the letter around the Administrative Forbearance to name the main beneficiary of the compounded interest, which is the Department of Education, and the Federal Government. This current structure of reaping funds off the interest of student borrowers in predatory, unethical, and illegal and must be reviewed. 

Sincerely, XXXX XXXX XXXX, XXXX
Product: Vehicle loan or lease

theres no photo to send, lincoln knows the collection agency that made threats over the phone.
Product: Checking or savings account

I received my paycheck via my job with a balance of {$1400.00}. I payed all my bills as i had planned and was left with a couple XXXX if not less. The following day my account balance showed that there was XXXX dollars put back into my bank account. Nothing on the transactions list reflected this but I was able to access the money fully therefore I thought there were no issues with me using it. It's shown on my bank account that I was able to access the money without issue as you can see by the transactions I made. Come to find out on XXXXXXXX XXXX XXXXXXXX that I was now over drafted XXXX something dollars as they had taken the XXXX dollars back. This is an issue as now my coming paycheck will be taken up by these fee 's and I had no idea this would be an issue. PNC did nothing to assist me in figuring out why this happened/helping me with the outcome of this issue. I'd like to file a complaint against PNC due to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX,XX/XX/XXXXXXXX of XXXX after phone conversations with XXXX XXXX and XXXX XXXX   they informed me the court dates scheduled in months above to collect debt would be canceled, allowing me time to resolve the debt. I contacted XXXX District Court who confirmed dates were canceled by creditors, I was not required to appear. However, XXXX XXXX ( in XX/XX/XXXXand XXXX XXXX  ) and XXXX XXXX. ( in XX/XX/XXXX ) did appear in court on these dates and received default judgements, since I was not in appearance. I did not have knowledge of the judgements until XX/XX/XXXX, they appeared on my credit reports. 
I contacted XXXX, Equifax, XXXX XXXX in XXXX to inform them, the judgements disappeared from, annual credit report and the credit monitoring service I pay directly to XXXX, Equifax, XXXX XXXX. These judgments still do not appear on any report I have access to. However, I applied for a mortgage in XXXX XXXX and XXXX  XXXX, and was shocked and blindsided to learn these judgements were reported to this lender and on my credit reports the lender obtained from all 3 agencies. They reported the judgements I was led to believe were deleted. 
I pay XXXX, Equifax and XXXX XXXX {$19.00} a month each and have been for years to monitor my credit for correct and accurate information, instead I ; m being provided reports excluding judgements, believing they were deleted from my credit, They report these excluded judgements to 3rd parties without my knowledge, since judgements have been wiped from the reports they provide directly to me I pay them for, they collect their monthly fees from me and provide me with false information.
Product: Credit card or prepaid card

Synchrony bank - we purchased a couch and were offered 0 interest for 12 months on financing. After signing up for this, one month later we found out it was a credit card. We made payments and after 12 months we owed {$300.00}. Next thing we know we were backcharged interest and only realized it 90 days after the charge, so we were charged an additional {$700.00}. We were never told this was deferred financing and we thought it was normal financing, and that we would be charged interest on the balance owed and not tr full purchase. I contacted the bank several times and they would not assist in refunding this back interest. I paid the whole amount off after dealing with them for 3 days and getting nowhere. The issue here is they allow untrained people to talk you into these cards and you are never told that you will be back charges interest. In my case I would have just paid the rest of the amount off and avoided the extra {$700.00} charge had I been aware of this.