23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXXXXXX there is an inquiry for a credit which I did not authorize on Equifax, XXXX and XXXX XX/XX/XXXX there is a inquiry from XXXX that I did not authorize on Equifax.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelle 's handling of disputes, especially in light of the recent lawsuit filed by the CFPB, which exposes serious flaws in the platform. Despite using Zelle multiple times and reporting discrepancies, both my financial institution and Zelle failed to thoroughly investigate my claims. I was informed that recovering lost funds was impossible and that tracking these transactions could not be done. According to the CFPBs findings, Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is deeply troubling and raises significant concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report I noticed some collection that I did not approve anyone to pull my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account # listed below, 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. 

these are the accounts that have violated my rights account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two inquiries on my report with XXXX there for XXXX XXXX  on XXXX/XXXX/22 and SYNCB/PAYPAL  on XX/XX/22 I did not authorize these two inquiries. I contacted the credit bureau they advised me that I had to reach out to the creditors, I called the creditors and they advised me that they have no knowledge of what the inquiries are for because they dont see any applications. I told XXXX that and they told me that there is nothing that they can do unless I get a letter from the creditors saying its ok to delete the inquiries from my report. Non the less I need assistance with obtaining these letters from XXXX XXXX  and SYNC/PAYPAL to give XXXX
Product: Credit card or prepaid card

Bank of America froze my account then said I owe XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXXXXXX XXXX XXXX, someone hit my credit report with 4 hard inquiries and was able to get approved for a credit card with a {$10000.00} limit with Discover Bank. I tried to resolve the issue with Discover. I was under the impression that we were going to close the account/card completely but they were under the impression that we were disputing a charge. After further investigation, I found that the account is still on my credit report ( its reported closed cause the individual never made a payment ). I reached back out to Discover and they are currently doing an investigation on the account.
Product: Student loan

My loan information has disappeared on the website of my loan servicer XXXX XXXX. Their phones are never answered and each time I call there is a recording stating they are experiencing high call volume and to leave a message. Calls are never returned. It is impossible to get information about the status of my loans or any information whatsoever. I note that there are hundreds of complaints from other borrowers about this company. We are desperate and need help.
Product: Mortgage

XXXX, the mortgage debt collector, is putting undue burden in responding to a mortgage recast request. 

Before XXXX my wife and I had separately messaged XXXX via its online portal about recast but did not receive a response. 

On XXXX I contacted by phone XXXX to initiate a mortgage recast because that can not be done online. They said to follow up in one week. 

On XXXX I followed up via phone and the rep said they will need to mail a letter to me for the recast. 

On XX/XX/XXXX I followed up once again and they confirmed the letter was only mailed out on XX/XX/XXXX. 

I believe XXXX 's system is deliberately slow at processing a mortgage recast because they are able to extract more interest payment from us. It is an unfair practice that creates undue financial stress
Product: Credit reporting, credit repair services, or other personal consumer reports

This company under the Fair credit act is not authorize to report on my credit. I do not have a contract nor a agreement with XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I Am Writing To Formally Express My Concerns regarding Zelles handling disputes despite using zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately
Product: Mortgage

We have been clients from HFC for over 20 years paying a outrageous interest rate of over 14 % and have been attempting to refinance and have been unable to do so XXXX XXXX occassion was told " why would we do that as your XXXX of our oldest account with high interest '' on multiple occassions have been charged for homeowners insurance which was aded to our principle. We had our insurance company fax the proof and still they continued to charge us every single month. In addition they report we have n't made payments when in actually we have been in our attempt to refinance as very good people who have been stuck in this horrific whirl wind of despair thank you!
Product: Debt collection

I am having an issue with Headway Capital. I obtained a line of credit through them in XXXX of XXXX, and since then, in addition to using the email I authorized them to use, they have been sharing confidential financial information with an email I never authorized them to utilize, which is linked to a former employer and now competitor of mine. These emails are dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have made multiple phone calls and have been assured multiple times that this mistake would be corrected, but to date, no corrective action has been taken on their part.
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to address the inaccuracies on my credit report through the proper channels, yet Ive received no resolution, and Ive reached my limit. This experience has caused me immense frustration, XXXX, and countless sleepless nights, as I worry about my future due to the impact on my credit score. These errors are not only unfairly affecting my financial standing but also preventing me from getting credit applications approved. The ongoing issues with my report are making it difficult to move forward, and I urgently need these inaccuracies corrected to restore my peace of mind and financial stability.
Product: Credit card

On XXXX J C Penny states that an application for a credit card was submitted for me to get a J C Penny credit card. The problem is I never apply or fill out an applicatiuon for the alleged credit card. They could not tell me if the it was applied for in the store or online. J C Penny would have needed my personal information and i never gave them that. I XXXX had a J C Penny card but when it was paid off they closed the account and since i paid them i felt that they did not want me as a customer so i did not want another J C Penny credit and would never apply XXXX. I have put a fraud alert XXXX my credit reports because of stuff like this.
Product: Credit reporting or other personal consumer reports

Looking at my transunion report, I've reached out to transunion a hundred times to no available. Not only is there a discrepancy with this account. XXXX XXXX XXXX is reporting this account TWICE. Thats a violation, its double jeopardy, and duplicate reporting. When i reached out to customer service i informed them there was a langugage barrier, and that this was the same account number, customer service team refused to listen to me, they were very rude. and no one listen. im asking for a removal of the duplicate account from my report.
Product: Mortgage

During refinancing, the company currently holding my mortgage ( PennyMac ) wanted to compete with another offer I received. I was contacted by XXXX XXXX - Loan Officer ( NMLS ID # XXXX ) with PennyMac NMLS ID # XXXX. 

XXXX told me that they could provide a competitive offer at a lower interest rate, but in order to provide me with an estimate, they needed to run my credit. I told him that they should be able to provide a loan estimate without that. He confirmed that he needed my information for his system to produce an estimate. So I told him, only run my credit if you can provide a competitive offer. He confirmed they could so I authorized the credit check. 

I then received a complete mortgage application in my email, ready to be signed, disclosures and all. While looking through the documents, I saw the loan estimate and it was no where near competitive. It looked as though it had charges hidden to trick me into signing a worse deal, with no explanation from XXXX. I tried reaching him for two days and couldnt get a response. Eventually I got in touch with him and told him this was not ok and that I wanted these documents rescinded. As of writing this, that still hasnt happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Debt collection

CACI, Consumers Adjustment, a debt collecting agency, has recently identified itself as a XXXX on XXXX XXXX 's 3 credit bureaus credit reports as XX/XX/XXXX and XX/XX/XXXX. 
Derogatory Information 1 Account XXXX XXXX XXXX Date Reported XXXX XXXX XXXX Creditor Name CONSUMER ADJUSTMENT CO - CONSUMER ADJ Status Closed Unknown Unknown Derogatory Information XXXX Date Reported XXXX XXXX XXXX Creditor Name CONSUMER ADJUSTMENT CO - CONSUMER ADJ Derogatory Information XXXX Account - XXXX XXXX Date Reported - XXXX XXXX Creditor Name - - CONSUMER ADJ CACI disclosed itself as a Debt Collection Agency on XX/XX/XXXX to XXXX XXXX. XXXX XXXX has never done any type of financial obligation transactions with CACI directly. CACI was attempting to collect a health insurance claim for Hospitalist Medicine Physicians of Texas, XXXX related to an Emergency Room treatment performed on XX/XX/XXXX and XXXX for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX of Texas, XXXX erroneously filed incorrect emergency room claims from XX/XX/XXXX to XX/XX/XXXX. Both claims have been settled as XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX is currently reviewing the case because I have asked them to withdraw the Credit Bureaus Debt Collection and Derogatory Information and to help me regain the XXXX points I lost in my XXXX credit rating. CACI has renewed the debt information and listed themselves as Creditors. I request that all Debt Collection and Derogatory Information be removed from my credit reports to the 3 credit bureaus and that my XXXX points on my credit report be reinstated. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX CA XXXX CACI, XXXX XXXX XXXX, XXXX XXXX MO XXXX
Product: Checking or savings account

I had a savings account that started to incur {$5.00} month service fee without notice when my balance become lower than {$300.00}. Wells Fargo says it was in disclosure I agreed to when opening the account. I did not receive notice that the free would be incurred once it started. I had no reason to monitor this savings account, after 11 months I finally noticed. I called the bank and closed the account and they only refund {$30.00} of the {$50.00} charged. I maintain a a separate savings account at the same bank that I maintain the required amount to avoid service fee. Notice should be given when fees are incurred.
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. 

Account name : 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: Mortgage

I purchased a house XX/XX/XXXX, and XX/XX/XXXX XXXX. I have been in and out of work since, and have continued to make mortgage payments to the best of my ability. XX/XX/XXXX, Vanderbilt Mortgage purchased my mortgage, and XX/XX/XXXX I reached out to them to explain the situation and begin the application process for their hardship program. To date, I have not been able to complete the process because XXXX has repeatedly lost or claimed never to have received documents from me and has continued to request additional documents whenever they receive what I have been told is the last set of paperwork they need. Approximately a month ago they finally had all of the necessary paperwork, at which point I was told that the process had to be restarted because it had taken so long. They have called me, as well as my fiance who 's name is not on the mortgage, approximately daily for months to demand repayment using offensive and condescending language and it has become readily apparent that they are operating in bad faith regarding their hardship options. They have refused to accept partial payments and are claiming that because I have been unable to continue to make mortgage payments while they dragged out the hardship application process, I am now in danger of foreclosure unless I pay the entire outstanding overdue amount within the month.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am name is XXXX XXXX and as I reviewed my recent report, I have found a lot of multiple erroneous information reporting on my TransUnion Credit Report. I am not sure if you have conducted a thorough investigation for the multiple items stated below. Under FCRA,30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized US DEPT ED XXXX Balance : {$0.00} XX/XX/XXXX DPT EDXXXX XXXX Balance : {$0.00} XX/XX/XXXX DPT EDXXXX XXXX Balance : {$0.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$0.00} XX/XX/XXXX DPT EDXXXX XXXX Balance : {$0.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$0.00} XX/XX/XXXX DPT EDXXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

At this point in time, XXXX, XXXX and Transunion are in violation of 15 USC 1602 ( p ). I requested for unauthorized inquiries to be removed from my report. To my knowledge this information still remains on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Equifax 's own website for checking whether or not my sensitive information ( including my SSN and other personal information ) were leaked in this latest incident, my information may be at risk of being stolen, making me EXTREMELY vulnerable to identity theft or other forms of fraud. 

This is clearly due to negligence on behalf of Equifax. Their IT/Cybersecurity was entirely inadequate for the level of sensitive information they kept on their servers. Now, 143+ million Americans are at extreme fraud risk. Accounting for the fact that approximately 22.8 % of Americans are under the age of 18, roughly 3/5 of adult Americans had their sensitive identifying information leaked. At this scale, this could be should be considered a national security incident.
Not to mention, it appears that multiple Equifax executives divested their stock holdings just before the announcement broke ( see : insider trading ).
In short : I am an American who does not feel financially safe or secure. Equifax needs the book to be thrown at them. I have contacted my state and federal representatives about this issue, and I expect that the CFPB will make every effort, in conjunction with legislators and the U.S. judiciary, that Equifax is entirely liquidated and that any other organizations that hold sensitive consumer information are held to appropriate security standards.
Product: Student loan

The customer service I've experience by the Department of Education ( DOE ) or lack of receiving have been a complete horrendous nightmare. As a military veteran I've submitted numerous applications for XXXX XXXX due to XXXX XXXX fraudulent practices I have an application that I submitted on XX/XX/XXXX as of today XX/XX/XXXX I have yet received a response regarding the matter except that it's still in review. Given XX/XX/XXXX Media coverage by DOE regarding military veterans/students that attended and was scammed by XXXX XXXX XXXX that matter was discharged. I've also submitted PSLF application numerous times in which I qualify for that ( the latest submission XX/XX/XXXX ), as of XX/XX/XXXX I havent received any notification status on that as well. By being a military veteran and a current civil servant employee, this is beyond unprofessional to keep a matter lingering for this long especially when I hear " thank you for service '' when I called to inquiry about my applications at this point people only saying that to feel somewhat patriotic but to continue to string along a military veteran the organization isn't any better than the organization XXXX XXXX that defrauded them. That is a true sign of an organization character, is this how you thank a military veteran for their service? I have filed numerous complaints with the CFPB and my local representatives regrading this matter, even they have been told they must wait an additional 6mths to inquire about my application. Ive been constantly attempting to file a complaint via the OMBUDSMEN on the DOE site since XX/XX/XXXX, when I hit submit the submission page fails, Ive tried on different web browsers, the same thing, when I called in regarding my complaint I was told to keep trying its a glitch in their system. And still nothing resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I mailed out a letter to Sagestream notifying them to freeze my SageStream report. the were in receipt of this letter on XX/XX/2019. I've yet to receive any correspondence from them. I've called repeatedly and no answer for two weeks now. please have them freeze my report immediately and have them send me in writing that this has been taken care of. thanks, XXXX XXXX.