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

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted two disputes to TransUnion on or about XX/XX/XXXX using their online system. No dispute was filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for an examination of the challenged account, which the 3 Credit Bureaus said was verified, in writing on XX/XX/2022. I felt they didn't thoroughly investigate my complaint. They were responding in a way that demonstrated my accuracy. Records kept by the credit bureaus demonstrate that it was false. I'm currently filing this complaint in response to the Credit Bureaus ' most recent investigation. I disagree with their conclusions and demand that the account I am contesting be given in its entirety. I am now requesting additional information from the credit bureaus about this specific account in question because I am not confident that enough was done to genuinely contact the creditor who is disclosing this information on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX THESE ACCOUNTS DO NOT BELONG TO ME
Product: Debt collection

XX/XX/2019 after many calls from Diversified Consultants I asked if I could settle the debt and have it deleted from my credit report. The associate told me this would happen and once paid my credit report was only updated to {$0.00} and this account is still on my report. I have even called the company back and asked for copies of the call and all the manager told me was that the representative never said they would delete.
Product: Mortgage

In XX/XX/2017 I filed bankruptcy and at that time my attorney attempted to get my Texas Home Equity Loan reaffirmed in the same manor in which she had gotten my auto loan reaffirmed. Wells Fargo Bank refused to reaffirm the loan and when I inquired why they refused to do so, they replied to me that my attorney never requested for my loan to be reaffirmed. I have made several attempts to clarify this issue and I have filed several complaints about this issue to the bank and through cfpb and this issue is still unresolved. 
I have been making regular monthly payments ever since the bankruptcy and since Wells Fargo refused to reaffirm the loan, these payments do not show up on any of the three major credit reporting bureaus, and this is severely damaging to my credit score which in turn causes me to be denied credit or to pay a much higher interest rate, which has caused me severe financial and emotional worries.
Product: Student loan

I have been trying to get help with my student loan through Sallie Mae. I can pay my loan every month in full but I am living paycheck to paycheck. It is one of my highest payments each month and I have contacted them several time for assistance. They tell me I can go into forbearance but interest still accrues which will put me into even more debt on top of a {$150.00} payment every month that goes towards nothing. Recently, my interest rate was increased without notification and the only other way to lower it is to go on automatic draft. I do not have a problem with this but I like to pay my bills on certain dates and this will not work. I strongly believe they are being very dishonest with me and need help. I have no problem paying them but I have a problem that they will not help a loyal consumer get out of debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXXXXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX  am writing to address significant concerns related to potential violations of the Fair Credit Reporting Act ( FCRA ) by consumer reporting agencies, namely XXXX, Transunion, and XXXX, as well as the financial institution, XXXX XXXX XXXX. 

Citing 15 USC 1681 section 602a, it is emphasized that consumer reporting agencies bear the responsibility of exercising their duties with fairness, impartiality, and a profound respect for the consumer 's right to privacy. Simultaneously, 15 USC 6801 establishes Congress 's policy, stipulating that financial institutions, including XXXX XXXX XXXX, are obligated to affirmatively and continually respect the privacy of consumers and safeguard the security and confidentiality of nonpublic personal information. 
Referring to 15 USC 1681 section 604a section 2, it is underscored that consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the consumer. As of this communication, neither XXXX XXXX XXXX nor the consumer reporting agencies, XXXX, Transunion, and XXXX, possess my explicit written consent to furnish my information. 

In light of the above, I am formally revoking any and all authorizations, whether verbal, nonverbal, written, implied, or otherwise, that XXXX have been granted to XXXX, Transunion, XXXX, and XXXX XXXX XXXX, as per 15 USC 6802 ( b ) ( c ). Notably, XXXX XXXX XXXX failed to inform me of my right to exercise the nondisclosure option, as mandated by the same statute. 

Moreover, 15 USC 1681 ( c ) ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in a consumer report without proper authorization. The reported account constitutes an adverse item reported without my explicit permission, in violation of 15 USC 1681s-2 ( A ) ( 1 ) ( a ).

Under 15 USC 1681E, consumer reporting agencies are required to maintain reasonable procedures to avoid violations. It has come to my attention that XXXX may not be adhering to these prescribed standards.

In accordance with 12 CFR 1016.7, I am formally exercising my right to opt out of adverse reporting services. I kindly request your immediate attention and resolution of these matters. Your prompt response to this serious concern is highly anticipated and appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian are failing to update my information correctly, In XXXX I filed for XXXX  XXXX and they re-aged the discharge and reaffirmation on some of the cards that should have dropped off since the discharge was 7 years ago. 

Because of their errors Bank XXXX XXXX closed both of my accounts that I had since XXXX and XXXX respectatively - XXXX  ending XXXX and XXXX. 

First because of the XXXX Bank XXXX XXXX reduced my credit limit from XXXX to XXXX and XXXX on the card ( s ) which bumped up my utilization from 10 % to 90 %, Because of the error then Bank XXXX XXXX closed 2 cards which have been paid on time for years and still have open balances. 

These CRAs should be monitored or eradicated from having the ability of providing consumer information that is incorrect to the Financial Institutions. Thanks to their inaction my credit dropped from GOOD XXXX to POOR XXXX after it took me almost 7 years to build up my credit. 

The bureaus also have failed to drop off old inquiries that have expired making it seem I have more inquiries than I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were not authorized by me. These fraudulent inquiries need to be removed as soon as possible. As a victim of my information being compromised in the XXXX breach, Transunion breach, XXXX Breach, and the XXXX market, I need these to be removed.
Product: Debt collection

I had spoken to a young woman  a Eastpoint Group regarding my debt and explained that I do n't have the money right now. I further explained that once my tax return comes I will p ay off the debt. They continued to contact me and then began to contact my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To Whom It May Concern : I recently submitted a request for an investigation of an which you refused. I Report Confirmation XXXX enough information for you to carry out a reasonable investigation of my dispute since you obviously did not investigate this account thoroughly enough the last time I submitted one. 

If you had investigated properly, rather than using your e-Oscar system, you would have known that not only I have never been late on this account, but that I am not sure that the account is even mine though your company claims to have verified this. 
It is at this time that I will point out that in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. 

If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As XXXX sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of this matter, Sincerely, XXXX XXXX
Product: Consumer Loan

Background : I had a joint XXXX bank account for years with my partner. We both put our paychecks in the bank and made payments on various bills, some of which were in his name and some of which were in my name. My partner and I split up in XXXX XXXX. I removed myself from our joint bank account on XXXX XXXX, XXXX but the account remained active under his name ( XXXX XXXX ). 

On XXXX/XXXX/XXXX I received a phone call from my car loan lender stating that I immediately owed them approximately XXXX months of payments or the lender would repossess my car within the week. The lender told me that XXXX XXXX XXXX had pulled back all of the payments I made in XX/XX/XXXX for the car. I subsequently found out that all payments from that joint XXXX XXXX XXXX account in XX/XX/XXXX to my credit card with XXXX XXXX was also reversed as well, so I now owe the credit card companies thousands of dollars. 

I have already contacted the consumer protection finance bureau regarding XXXX XXXX XXXX but I have to do it as well now with Santander Consumer USA. In order to get these transactions reversed XXXX XXXX XXXX says I need documentation stating why the transactions were reversed from Santander Consumer USA. I contacted them, but Santander Consumer USA is stating that its payments are done through a third party and they ca n't give me a reason for the reversed transactions. They ca n't provide me with the name of the third party either and are telling me to go back to XXXX XXXX XXXX for the information. 

However, now that I 'm no longer on the XXXX XXXX XXXX account, XXXX XXXX XXXX is refusing to provide that documentation as well. I need Santander Consumer USA to release this information or at least the name of the third party so that I can get written documentation as to why these payments were reversed.
Product: Bank account or service

This complaint is about bank/financial services during a real estate transaction ( not a bank account ). On XXXX/XXXX/2015 I entered into a contract / purchase agreement to buy a home ( XXXX # XXXX ) at XXXX XXXX XXXX in XXXX XXXX ( XXXX XXXX ), XXXX. PNC Bank National Assoc is the Seller who was represented by Service Link ( a XXXX XXXX XXXX XXXX company ), XXXX XXXX XXXX, VP Operations & Client Relations. After conducting home inspections ( {$510.00} ), Buyer and Seller signed Amendment to Sale Contract on XXXX/XXXX/2015. Also, {$1000.00} Earnest money was paid to XXXX XXXX XXXX XXXX ( XXXX, XXXX ) - XXXX XXXX XXXX, REO Sr. Closing Coordinator. On XXXX/XXXX/2015, the Day of Closing, the Seller 's listing agent informed Buyer 's Agent that Seller would not accept the XXXX/XXXX/2015 agreed amount, wanted an additional {$2000.00}, and implicated that Buyer cancelled contract. The house was put back on the market as of XXXX/XXXX/2015. To date I have requested but not received a refund of my {$1000.00} earnest money and the {$510.00} spent on inspections.
Product: Debt collection

XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX in XXXX XXXX, Texas Office Manager XXXX XXXXXXXX XXXX XXXXXXXX XXXX fraudulently reported a huge debit owed to National Credit Systems as a Retaliation to my filing of over charges to myself and other residents that included water bills that many were not required to pay according the the lease terms, to the State of Texas, filed a Disability & Race Discrimination claim, code enforcement and other major property issues to city and government offices. 

XXXX XXXX begun to refuse my rent on 3 different occasions, to force an eviction, in which, I prevailed, the Judge ruled in my favor each time. I had lived there for 3 years and never had a problem. Rent always paid on time not one manager before her refused my rent until XXXX XXXX XXXX came to the property. XXXX XXXX would not complete my work orders, she falsified ledgers and allowed many residents to live in dwellings where their ceilings fell in due to water damages ( I have pictures ). I requested to have hand rails installed due to my XXXX she refused on many occasions. This is the small of it. When she lost her last court appearance, she accepted my rent and offered to let me out of my lease with no penalties since I informed her I wanted to move 3 months prior to XX/XX/XXXX. 

XXXX XXXX provided my current XXXX XXXX XXXX a good rental history with no balance owed report on paper via fax. Now I learn XX/XX/XXXX about this HUGE false debit that was report to & for collections which will affect my rental history, in which, she knew this was my greatest concern after she offered to let me out of my lease. About a month after I moved ( according to the credit report date ) she/property management company sent the false Rent/Lease/Mortgage debit to XXXX, XXXX XXXX XXXX was only able to obtain my personal information from my current Property Manager, because she and prior and the following personal ( XXXX was removed from the property due to the discrimination complaint filed and 22 other residents complaints also, and I reached out to the owners ) LOST nearly every residents files once the company she was hired by, took over the XXXX XXXX XXXX. There weren't any Disabled Parking on the property, I advocated to the City of XXXX XXXX and the State of Texas to have disabled parking on the property. ) The care of the property and how the XXXX XXXX XXXX and its staff handled business can be tracked through Code Enforcement and the XXXX. They are 2 residents as today living in their unit with the ceiling falling in from water damages. 1 of the residents has cancer. The mold build and the water exposure in the whole unit. This resident can not even bath nor shower as of today of this complaint. This and others reasons are why I filed complaints with the State and other government agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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 1681section 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: Credit card or prepaid card

I called shortly after burying my mother tk make arrangements to pay my credit bill. I made the first payment the second payment I over payed. To clear bill, and be able to use my card. The representative who made the payment arrangements even sent me flowers for condolences. Only to find out they cancelled my card after the first payment and fraudulently took my {$200.00} after ensuring me the card is still active.The company is Capital One
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX Balance : {$74000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX  XXXX Balance : {$860.00} XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$73000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX  XXXX Balance : {$450.00} XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance : {$73000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXXXXXX XXXX Balance : {$9500.00} XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$450.00}
Product: Credit card or prepaid card

XXXX XXXX XXXX c/o PayPal Credit performed a credit check illegally and unauthorized. I paid a charge of {$7.00} at Paypal on XX/XX/2018 and they in turn ran an application for a PayPal credit card that I did not want, need, or authorize them to do. Unfortunately, due to this, a hard credit check was performed and my credit score was lowered. I did not get approved for the credit card due to the fraud alert on my credit report. This hard check needs to be reversed and I am unclear why this happened to me. This company needs to be notified of their actions that were illegal.
Product: Mortgage

I " inherited '' them as my servicer when they purchased the company that held my loan. Green tree and now ditech bought forced insurance on my property, at double the going rate. I have a Co-Op which means the building has its own insurance. After numerous complaints and hiring a attorney, ditech conceded that they made a mistake. Their lawyers admitted that they were wrong and ditech sent me a letter admitting their error. This is after months of them threatening to foreclose my home and ruining my credit rating. Then ditech sent me a bill for an escrow fund which I did n't understand but paid it for the amount of {$4000.00}. I then realized that they use this escrow account to PAY for the forced insurance which they ADMITTED it was incorrect. I telephoned them about this and after speaking with several people they stated that they will " look into it. '' And when you ask them, repeatedly, and nicely as a customer for them to fix their errors they continue to gameplay. Furthermore, they continue to not cashed my past mortgage payments then they add late fees or worse send a foreclosure letter. I 'm also attaching a letter emailed to them.
Product: Credit card or prepaid card

On XX/XX/2019 tried logging into my account to pay bills and it said my account was locked and contact number on back of the card XXXX I have been on phone on 2 different occasions for over 1 hour first call now over an hour and 22 minutes still no answer to have my card unlocked so I have no access to use my money while account is locked the card is with US Bank
Product: Payday loan, title loan, or personal loan

I signed up for an installment/credit boosting loan with SeedFI. I would receive a certain amount up front and the rest would be locked into a savings account with XXXX. 

On XX/XX/2022, Seedfi notified us that they were 'transferring '' our accounts to XXXX. XXXX is a collection agency who does predatory practices notably all over XXXX with terrible reviews on consumer websites. 

SeedFI sold out information and gave it to a company who harasses and has no real answers on the process. 

SeedFi also does not answer any further questions because they washed their hands after they sold all of our loans. It has been a nightmare dealing with XXXX. I have made payments with my proper checking account and they are reversing them. I want my account closed and my balance paid off and the difference sent to me as soon as possible. 

This complaint is against SEEDFI for violating my right to privacy and giving my information to a company that is not up to standard. 

The complaint is also against XXXX for their lack of good business practices. I want my account closed & paid off immediately.