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

To whom it may concern, Im am reaching out because, The Fair Credit Reporting Act 15 US Code 1681 section 602 a states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy. Equifax, and XXXX are consumer reporting agencies and I am the consumer. I exercise my right to make certain that my private information isnt shared which is backed by 15 US Code 6801 which states, It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. 

15 US Code 1681 ( e ) reads, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under 1681 ( b ) of this title.

Under 15 US Code 1681 ( 2 ) ( A ) ( i ) Exclusions : Reports containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal.

In addition to that, 15 US Code 1681 ( a ) ( 5 ) says, except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ; Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. This account is an adverse item they are reporting again without my permission which is against the law. 

XXXXXXXX XXXX XXXX is a financial institution by definition under 15 US Code 6801. 15 US Code 1681 section 604 ( a ) section 2, says, in general, subject to subsection c, any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : In accordance with the written instructions of the consumer to whom it relates. XXXXXXXX XXXX XXXX, The financial institution does not have my consent to furnish this information and does not have my written consent. All consent to Equifax, XXXX, XXXX XXXX XXXXXXXX wether it be verbal, non verbal, written, implied, or otherwise is revoked. Under 15 US Code 6802 ( B ) and ( C ) states a financial institution may not disclose non public personal information to a non affiliated third party unless - the consumer is given an explanation of how the consumer can exercise that non-disclosure option. XXXXXXXX XXXX XXXXXXXX never informed me of my right to exercise my non disclosure. 

Equifax and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states, A consumer May exercise the right to opt out at any time. I am opting out of your reporting services as of now.
Product: Credit card or prepaid card

Though I have flawless payment history, and have stayed under my credit limits at all times, the issuer has reduced my credit limits and negatively impacted my FICO scores due to credit usage. This is unfair, in that Ive stayed reasonably under the limits to avoid this problem, but when the company arbitrarily reduced my limits, the net impact on me was that my usage went from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by virtue of the company reducing my limit. Ive complied with the companys policies, paid on time, never paid less than minimums, and not exceeed the limit, yet Ive been negatively impacted by the companys actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX 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

Chase Bank closed my credit cards due to retaliation after I filed a complaint to CFPB because they have been charging me interest fees and fees without my knowledge. I have been a loyal customer for 20 years and they refused to do the right thing and credit my account. They closed without notice and I am missing thousands of Southwest points.
Product: Payday loan, title loan, or personal loan

Hello, in the last four years. I have received numerous loan updates from several line company's..i think there a social security number issue. Please help me in this issue. Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX Bal. {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX Bal. {$0.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$40.00}
Product: Student loan

Back in XX/XX/2024, I applied for a loan consolidation through the us department of education. Before I submitted my loans for consolidation, my loans were already in an income driven repayment plan. As part of the loan consolidation application, I requested an income driven repayment plan ( save ). It took my loan servicer, MOHELA, about two months to consolidate my loans. In the month of XXXX I get bill from MOHELA to submit a payment. I looked at my account, and noticed that my loans were placed in a standard repayment plan, rather than an income driven repayment plan. I called MOHELA and they mentioned that I had to submit another income driven repayment plan. I submitted another income driven repayment plan in XXXX as mentioned. In XXXX all income driven repayments were put on pause, due to ongoing litigation. I called MOHELA to request an update on my loans being placed in the correct repayment plan and they mentioned they would not honor the income driven repayment request due to ongoing litigation. I dont think that is fair given that 1 ) I was already in an income driven repayment plan 2 ) I requested as part of my loan consolidation process to be placed in a income driven repayment plan.
Product: Payday loan

Halsted Financial continued to make threats of suing me and harassing me by phone, in regards to an unpaid debt. I made an arrangement to pay the XXXX dollars on XXXX/XXXX/16 I scheduled for a payment of XXXX dollars to be drafted out my account and they charged a fee of an additional XXXX instead of just taking the XXXX out they took another unauthorized payment of XXXX on the same day. they called back and said our system made an error but the XXXX will be back in your account today, and it was never credited. They also said that they will send me emails discussing the settlement and whats owed and I never received the emails. They lied, harassed me, and went in my account without authorization. This company is horrible, and companies should have to pay for violating consumers rights!!!
Product: Debt collection

My family and I have been receiving calls from a woman name XXXX. She works for XXXX XXXX. Phone number : XXXX. She says that legal action will be taken against me. My father, who lives in Kansas, received a message from XXXX on XX/XX/XXXX and she told him that they needed to serve me a subpoena. I called them on XX/XX/XXXX and I talked to a man who said that their office had a legal case against for me a payday loan debt from XXXX loan. I asked XXXX XXXX not to call my family about this matter, but they have called my husband on XX/XX/XXXX and XX/XX/XXXX. I informed XXXX XXXX that per the law, they have to send me a letter to inform me of the debt and they have not done that. XXXX XXXX claims that the loan is from XXXX loan and it was supposed to come out of my XXXX XXXX account. I did have XXXX XXXX in Kansas, and the payment from XXXX should have gone through and I looked through my emails and dont have any email from XXXX XXXX about a declined transaction from XXXX loans. I don't live in Kansas anymore and I don't bank with XXXX XXXX now. I emailed XXXX loan on XX/XX/XXXX and told them that I was being contacted by XXXX XXXX and they told me that the debt had been sold to XXXX XXXX XXXX XXXX ( XXXX ) XXXX. XXXX loan never notified me that the debt was sold to a 3rd party of XXXX XXXX XXXX. Per the law, XXXX is supposed to notify me if the debt is sold to a 3rd party and they did not do that.
Product: Money transfer, virtual currency, or money service

I opened an account on WePay XXXX XXXX XXXX to enable online ticket sales for our XXXX XXXX XXXX. Over the next five days we sold 10 tickets valued at {$720.00}. On XXXX XXXX, customers reported not being able to pay for their tickets as their payment method was declined. I reached out to WePay and was told our account was closed due to being " High Risk '' and that all our funding would be held for 120 days to cover chargebacks on the account. On that same day I requested to know why our account was closed and what we could do to rectify the situation and get the money back. On XXXX XXXX  I was emailed by a customer service agent saying " after a standard review of the account, our Trust and Safety team has determined that we will not be able to provide our services. All information regarding our review process is proprietary, so no additional information is available in these instances. '' A company shouldn't be able to hold our money and not give us an answer as to why. Last time I checked that's the same as theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Now we have a commitment with the venue that we've already paid a deposit for and no way to meet that commitment unless one of us takes out a personal loan to cover the deficit. 120 days from now will be far too late to rectify any of this. All I want is the money back so we can continue with our plans and we'll take our business elsewhere.
Product: Mortgage

I initiated a refinace of my home in mid XXXX, I was given a virbal quote of {$2800.00}. When I got the Good Faith Estimate it had a figure of {$7400.00}, which I questioned. I said if it was that expensive I was n't interested in the process. They explaine that it was a high estimate and it would be less when the current loans escro was returned. The process went through but not with out issues. The XXXX question I kept posing to the loan officer was what would happen to the escro on the old loan. They kept telling me it would be returned once the old mortgage was payed off. Well, all is complete but I found out yesterday XXXX/XXXX/15 that the escro was not going to be returned to me. The escro, along with my last mortgage payment on this loan was used to pay off the fees and the costs of paying off the old loan. Out of {$2900.00}, I was only getting back {$670.00}. I was never told about this, never saw it in the Good Faith Estimate, or the Hud Statement or never had this told to me and never recieved any written information with a detailed break down of these charges. At this point I still am unsure how this happened. I have called the bank, the XXXX XXXX people I talked to were very XXXX with me and acted like the bank did n't need to tell me any thing. The XXXX person listened to my complaint, told me she would call me back the next day but I have heard from her. The final cost to refinace my house is at {$8500.00}. One hundred dollars above the original Good Faith Estimate. They do n't seem to want to talk to me. XXXX final though, the bank told me that both the bank and the title company requested clearance to use the escro of the first loan to pay off fees and expensis for that loan. So they also could have mentioned something but did n't even though I questioned them at the closing.
Product: Credit card or prepaid card

I applied for the XXXX XXXX XXXX card the first week of XXXX, XXXX. With the offer on my XXXX XXXX XXXX there was a offer of XXXX points after spending {$2000.00} in the first three months. Rather than apply through the app - I was concerned about cyber security so called AMEX directly to apply for the card. I stated my reasoning for upgrading related to the XXXX points offer. I was approved for the card and was expecting to see the points after i spend well in excess of {$2000.00}. When i didn't i called to inquire : I called on XX/XX/XXXX and spoke withe XXXX # XXXX case was opened and would be resolved within 4 weeks XX/XX/XXXX. I called on XX/XX/XXXX and spoke with XXXX AMEX is no saying the issue has been reviewed and resolved and since " THEIR '' call taker did not mention the offer in the " conditions script reading '' that the dispute is denied. The offer continues to sit on my XXXX XXXX - they have charged me the {$95.00} annual fee. I have been probably a XXXX year customer of AMEX and XXXX . I called because of the offer on my XXXX App - i referenced the reason when i called - because THEIR representative didn't include in the fine print reading - I am denied???? Pure bait and switch advertising -
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, under the penalty of perjury certify and affirm that all forthcoming statements are true. Equifax is violating my federally protected rights per 15 USC 1681 by reporting inaccurate incomplete and fraudulent information to my credit report that is being furnished by unauthorized and predatory 3rd party companies. I have been disputing these accounts as fraud since XX/XX/XXXX. I have yet as of XX/XX/XXXX received any proof of permissible purpose for reporting these fraudulent accounts. Every time I write to or call equifax they claim information being reported has been validated but I have yet to receive any documentary evidence that supports the permissible purpose of this information being reported or furnished on my equifax credit report which not only violates the FCRA but also the FDCPA per 15 USC 1692. If the companies furnishing these accounts to equifax are not able to provide debt validation or proof that they are the original holder of the note of indebtedness that legally allows them to still be able to collect or retain the debt, then the accounts shall be deleted immediately. Equifax seems to lack impartiality as they have been claiming for over a year that these debts have been validated without permissible purpose or evidence because they are gaining financially from these unauthorized third-party companies who pay Equifax to report fraudulent consumer credit transaction history. Please see attached notarized identity theft complaint and affidavit, identification documents such as NJ issued driver 's license and my current insurance bill, as well as all police reports, FTC identity theft and fraud complaints, and CFPB complaints that have been received by equifax and all unauthorized 3rd parties listed in the notarized affidavit and complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX collection, Account # XXXX XXXX XXXX XXXX, Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this information with Experian multiple times and they are refusing to remove the account from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Portfolio Recovery ( PR ) about the Date of first delinquency ( DOFD ). PR respond as stated that the DOFD was XXXX XXXX. PRA states that I did not notify them about the discrepancy. Enclosed is a copy of the certified letter PRA received. Below is PRA response to CFPB. PR reports the DOFD to XXXX  as XX/XX/2012. The DOFD is inaccurate. PR is in violation of my reporting rights. 
PRA STATED -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - PRA has no record of a response or a dispute being received in relation to its initial notification letter. PRA furnished information relating to your account to the consumer reporting agencies in accordance with industry guidelines including but not limited to the date of first delinquency which was XX/XX/2012. 

Evidence : I am enclosing evidence from XXXX XXXX ( Original Debtor ) the records reveals the DOFD was XX/XX/2012.
Product: Money transfer, virtual currency, or money service

Hi dear PayPal team! 

My account : XXXX has been limited and I need to appeal or remove these limitations from it since I need to use it again : XX/XX/2018 : We need some more information about some of your recent sales. 

( Your case ID for this reason is XXXX. ) XX/XX/2018 : We need additional information on your recent transactions and account activity. 

( Your case ID for this reason is XXXX. ) I need to appeal or to remove these limitations and I would be so happy to continue using PayPal. 

Best regards, XXXX XXXX
Product: Checking or savings account

I opened a brokerage account with XXXX and through the USAA process, transferred funds into that account. However, after USAA approved this ; they denied the transfer of funds. However, since then, USAA has questioned several deposits from my old XXXX account into the USAA checking account. These transfers were from my brokerage account. The rep called me today ( XX/XX/XXXX ) and suggested that I made criminal activity into the account from XXXX. This was an individual account that I had for 17 years, duly reported all income from that account to the IRS - yet USAA has for now, more than three weeks and with two employees and one manager implied directly that I was conducting criminal activity in the account by transferring to and from my brokerage account. This has to stop. It has become harassment. I am a retired XXXX XXXX XXXX veteran. I am not a criminal. Yet, after following all of USAA 's processes - they turn the tables and accuse me of being a criminal ... now, three times. I can prove the account with XXXX is legitimate ; provide all Schedule D 's to the IRS. How do we prevent financial institutions from accusing people that deposit small amounts of money ( realizing we are not all wealthy bankers ) into our checking accounts from brokerage accounts.
Product: Credit reporting or other personal consumer reports

I have 4 unauthorized hard inquiries on my equifax report. I have sent letters for them to verify and have them removed and equifax failed to do so. I called all 3 companies and they said to call equifax. My credit was frozen XX/XX/XXXX and again on XX/XX/XXXX and these inquiries occurred when my credit was frozen which is a fcra violation XXXX XXXX on XX/XX/XXXX and service loan on XX/XX/XXXX as well are unauthorized
Product: Student loan

I applied for my loan to be discharged because of my XXXX last year and this wasnt the first time I have done this. But I started having a lot of issues or dragging there feet in getting it done or giving me a valid reason why they wouldnt do it so I reached out to Mohela about it and they told me that they approved my request in XXXX. It wasnt till I got off the phone that it dawned on me that I received correspondence from them after XXXX and it wasnt about my loan being discharged and I just received a email saying my loan is back in forbearance cause a decision hasnt been made since I submitted my documents
Product: Credit reporting, credit repair services, or other personal consumer reports

Understand, I am a consumer operating under the FCRA. I am not working with a credit repair company. Your company ( Equifax ) is in direct violation of the Fair Credit Reporting Act by reporting XXXX XXXX Acct # XXXX for the following reasons : 15 U.S.C 1681 section 602 A. StateXXXX I have the right to privacy in which you also violated. 

In 15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. I never gave your company ( Equifax ) written Instructions to allow them or you ( Equifax ) to report on my profile. 

Do not respond with a generic E-Oscar response.