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

According to the Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ) states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, TransUnion, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801, which states : It is the policy of the 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 nonpublic personal information. 

XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that : " 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. '' XXXX XXXX the financial institution and the Consumer reporting agencies XXXX, TransUnion, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, TransUnion, and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) states that : " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states : " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states : " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, TransUnion, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that : " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

Company failed to validate debt as per my written request and has began garnishing my wages. Company also lied stating debt has been validated when it has not.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the Equifax breach, I was informed by their own site that a vast amount of my personal private information was released in the breach. Their mishandling of my information puts me at risk for identity theft and at the very least I want to be able to freeze my credit before a problem occurs, rather than after a problem occurs when I would have a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, KS XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXX XXXX XXXXXXXX, KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, KS XXXXXXXX XXXX XXXX XXXXXXXX, KS XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Mortgage

I am trying to get mortgage forbearance on 2 single family homes ( XXXX XXXX XXXX XXXX NC XXXX and XXXX XXXX XXXX, XXXX XXXX, NC XXXX ) due to covid related issues. My son, who is a co-borrower has had covid twice and I have had it once. Most of our income is derived from some rental property we own. Due to the fact that some of our tenants and some tradesmen we usually hire to work on problems at the properties have had covid, we have lost significant income from tenants not being able to pay rent and losing months or rent because we can not find tradesmen to enter homes of people with covid and/or being too sick to repair properties to make them rentable. 

Our mortgage institution, First National Bank, XXXX XXXX XXXX XXXX XXXX PA XXXX has turned down our request for forbearance.
Product: Credit card or prepaid card

I was shocked to go into my XXXX credit card account and see that I have " XXXX '' open to buy. They took my account from {$900.00} credit line to {$0.00} without notice or explanation. I have a credit score of XXXX and have NEVER had a late payment. I reached out to customer service via email and they simply stated that they needed my permission to review my credit report to reinstate the credit line. Well, they certainly never contacted me to see if they could review my credit report to lower the credit line. 

By law they can review accounts periodically to assess the account and adjust the credit line accordingly ; however, they could not have followed the regulation in the matter of account assessment to have acted as they did. 

By lowering the account credit line to " XXXX  '' they had a negative impact on my overall XXXX XXXX. I do not need the account, and {$900.00} is paltry in comparison to my major credit card lines of credit. It is the fact that they arbitrarily decided to impact my credit scorXXXX, without consideration of the regulations that are in place to assess accounts. They do not need my permission to review my credit score to evaluate an open account on their books. They have a " permissible purpose '' to do an account periodic review. 

I had them close the account so that it would report as " Closed by consumer '' in order to save my credit history and score from being further damaged by this abhorrant action. If I did not have as high a credit score, had it been perhaps a XXXX instead of over XXXX, this could have impacted much worse and any loans sought would have resulted in higher interest, or even rejection of a loan. This type of behavior has to be addressed within the regulations on the books. 

Again, had they did a legal review of accounts, it would not have resulted in a reduction in my credit line, damaging my score and causing me to close the account. Ridiculous that they do not follow the regulations and guidelines for 'permissible purpose ' and periodic account review.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has unlawfully added information that link me to other accounts that do not belong to me. I have never used XXXX or XXXX because I am not the son of XXXX XXXX And I have no children. My name is XXXX XXXX XXXX. Without warning Experian is sending me information addressed to XXXX. I have spoken directly to agents and in writing, I submitted requests correcting this information. For Gods Sake Experian get it together
Product: Debt collection

IC Systems first made contact with me on XXXX XX/XX/year> over the phone. The law states they must provide written notification of the debt 5 days after first contact. They did not. I received a letter dated XXXX XXXX, which is well last the 5 day requirement. Furthermore, the written notification did not provide any information on my right to dispute the debt, nor did it provide any options or avenues to dispute the debt. This debt is not valid. I contacted the comptroller of Maryland on XXXX XXXX regarding this debt and they closed the account because it was not a valid debt due to my XXXX XXXX status. This company is failing to follow the laws regarding written communication and is attempting to correct a debt that no longer exists.
Product: Credit card

I was visiting XXXX, XXXX from XX/XX/XXXX to XX/XX/2023. 
The fraudulent transactions occurred on my Apple Pay in the early morning hours on XX/XX/2023 at XXXX XXXX XXXXXXXX. Total five transactions occurred through Apple Pay : XX/XX/2023 : {$6500.00} XX/XX/2023 : {$6000.00} XX/XX/2023 : {$4800.00} XX/XX/2023 : {$6000.00} XX/XX/2023 : XXXX I disputed the transactions same day ( XX/XX/XXXX ) in the evening via Text messages XXXX XXXX XXXX ) with Apple Pay in XXXX, XXXX. Apple Pay could not reach to me other than text messages option in XXXX, XXXX. I did not authorize, purchase or sign on anything and Apple Pay opened the dispute claim. Apple Pay did not verify with me via text under advance theft protection and denied the dispute without sharing any evidence of my authorization, sign the receipts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 submitted dispute to Experian indicating that a collection account with XXXX XXXX was not accurate and it is my belief that an account was opened without my knowledge. Received result stating information is correct but there is no documentation regarding this. My request is that the collection account with e removed because it is not mine and there is not information with my signatures indicating it is.
Product: Mortgage

My loan had been transferred to 3 different service since origination from country wide XX/XX/XXXX ; my loan had adding additional charging drastically ; each time is a new servicing my amount incremented. I need to solved this matter is seams like whenever I tried to get any explanation my loan is sold or transferred. Please helm me ; I do not owed what lenders staying I owed. 
Below a copy of the letter sent to new service SPS. 

XX/XX/XXXX Ref : loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSelect Portfolio XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX I am disputing the above referenced debt, please verify this debt as required by the Fair Debt collection Practice Act ( FDCPA ) I was notified by your company on XX/XX/XXXX regarding an alleged debt I have reason to believe I do not owe the amount you claimed because since this loan had been transferring since XX/XX/XXXX from several lenders ; I had been overcharging ; this loan had been transfer to three different service ( including XX/XX/XXXX ) since the time I purchase this property for the amount of {$270000.00} ; Back on XX/XX/XXXX I owed the amount {$230000.00} and balance had been increased drastically ; there is an error on the balance charged. See enclosed documentation with correct amount owed for this loan. Need correction be made ; also I had made payment for the amount of {$1500.00} for the month of XX/XX/XXXX on XX/XX/XXXX. All my payment had been on time. Enclosed proof of payment and copy of escrow forXX/XX/XXXX ; If I need to hired a lawyer and had the court review my case I will had not problem. I am very frustrated the lenders had overcharging me for an amount I do not owed. I need your help to resolved erroneous information that had been dealing for too long. 
I request all of the following information be provided to me by mail : 1- Proof of my agreement to pay the original creditor.
2- A copy of the final Account Statement issue by the original creditor.
3- A Break down of the total amount due, showing principal, interest, and other charged, and 4- For all other charges ; the date of and basis for each charge. 
5- The full name and mailing address of the original creditor for this alleged debt ; 6- Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 7.-Documentation showing you are licensed to collect debts in Florida Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged erroneous amount and made the correction as necessary. 
Under the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. 
Sincerely,
Product: Debt collection

I moved out of my old apartment in  XXXX   2015  but in  XXXX     2015  a co llection company named CBE Group said I owed {$86.00} for my utility bill. I contacted my old apartment manager who emailed me proof of my final payment for rent and utilities. In fact, I was mailed a refund from my initial security deposit and she said I owed nothing. I forwarded a copy of that statement to CBE and for the last two years have considered the matter closed. But in the last month or so, I 've been receiving call after call to ding me for the same debt. I also received a printed bill from them in the mail but returned it with a note demanding that they stop harassing me. I hope you can get CBE Group off my back once and for all.
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 


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

I have a loan with XXXX ( Original Creditor : XXXX XXXX XXXX OHIO ), XXXX XXXX XXXX ( Original Creditor : XXXX ), CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX OHIO ),  XXXX XXXX XXXX ( Original Creditor : XXXX ), CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit card

In late XXXX I made a purchase for {$330.00}. 
In the first week of XXXX I received my first bill. 
I paid {$330.00} on XXXX XXXX XXXX 
I received a second bill on XX/XX/XXXX, saying that I was late and owed late fees. 
I paid {$41.00} on XX/XX/XXXX. 
I received a bill with XXXX payments credited in XXXX and additional late fees. I called several of their phone numbers and talked to several individuals for about 2 hours ( all holds, and multiple transfers, call times combined ) to dispute this. They said I needed to provide proof of payment. Which I provided via mail. 
I received another bill in XXXX with XXXX payments credited and more late fees. 
I received a letter saying that the proof of payment from my bank was unacceptable. 
I went to the bank and obtained scans of the front and back of both checks and mailed them to Comenity with a request that they acknowledge payments, remove late fees, and close the account. 
I received another bill in XXXX with XXXX payments credited and more late fees. 
I received a letter on XX/XX/XXXX saying that they don't accept my proof of payment, I should contact the company that cashed the checks, and I still owe the full balance and all fees. 
I did contact the bank that cashed the checks, and they said it is illegal for them to confirm payment of my own check, or to tell me anything about any of their account holders. I can provide these checks to you. 
Oh, I also received between 3 and 12 phone calls per day for about 2 months, including before I received the first bill. When I called in XXXX I told them I would report the harassing robo phone calls, and the calls did stop after that day. 
I can provide proof of payment.
Product: Credit card or prepaid card

My card was charged without permission for one change and another charge which is duplicate charge I was suppose to be receiving a refund for. I rented a vehicle through XXXX for dates XXXX in XXXX XXXX XXXX On XX/XX/2022 I was in a dispute with my boyfriend who left me stranded and took my rental key in XXXX XXXX which I had called XXXX to pick me up and give me a new vehicle upon swapping vehicles since I didnt have the key at the time I was informed I would be charged XXXX for the key and taxes and once I returned the key I will be refunded my car was on debit lock so when they tried to charge card it was declined which I have attacked the XXXX XXXX said it was declined but said its ok because I have to add an extra day fee so the the total charge that day was {$810.00} which was key fee and an extra day rental fee because it was suppose to be returned to XXXX XX/XX/2022 but an extra day had to be added due to this issue. On XX/XX/2022 at XXXX at XXXX XXXXXXXX rental I returned the key I asked for a recipe the was not able to give me one so I took a picture of me giving the XXXX XXXX the key on hand with they key details so it would be seen it was for previous rental. The worker advised me I would receive a refund in 3-4 business days. I waited a week and checked my back about to find another charge in the amount of XXXX which was not authorized I called XXXX and they informed me it was a key fee at this point im frustrated because I was suppose to receiving a refund for the 1st key fee and I advised I already was charged and was suppose to be receiving a refund. The rep at XXXX on the phone had told me he could not seen the charge for XXXX dollars and after that I advised I will just dispute with my bank for an unauthorized charge and a refund charge. The bank did not properly do the claim because they upheld false charges from a receipt that doesnt details what the charges were for after I already explained on the claim I was charge 2 times for a key that I have picture proof i returned I reached back out to XXXX XX/XX/XXXX and spoke to a supervisor names XXXX who informed me he did see both charges and would issue a refund of XXXX and I would need to show proof of key return for a refund of the second charge of XXXX. He provided me an email which I sent the picture to and a week later I called to check on the refund on XXXX and if the picture was received for the 2nd refund of XXXX which I was advised XXXX did process the refund but it was rejected because I already disputed through bank and a contact they have with disputes is that it is no longer they responsibility and whatever outcome the bank gives is the final
Product: Student loan

My loans XXXX, XXXX, XXXX, XXXX, XXXX, XXXX are on SAVE and the monthly payment is {$30.00} but my loans XXXX, XXXX, XXXX, XXXX, XXXX are on LEVEL and the monthly payment is {$1700.00}. The first time I applied for XXXX was XX/XX/2023 and they only put half my loans on SAVE and never told me why they didn't put all my loans SAVE. They wouldn't use my original first application so I had to apply a second time on XX/XX/2023 with all the exact same information as was on the original first application. They still won't process the applications and put all my loans on SAVE. Now they are telling me that I have to pay the {$1700.00} or let my loans accumulate interest on forbearance. They say that they can take as many months as they wish to process SAVE applications and XXXX me out of interest forgiveness for as long as they want. They say they won't back date the start date for SAVE and my loans don't qualify while on LEVEL or forbearance for the government interest forgiveness that I should get on SAVE. So I'm stuck with them being able to steal {$1700.00} from me each month until they finally process the application. They get to XXXX me out of the interest forgiveness that I should be getting on the SAVE program until they finally process the applications and they can take as much time as they want to do it. The CEO gets to maximize profit by hiring less people and the government is just letting them extort me like this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I got married XX/XX/2018 and changed my last name. I have been fighting with Experian since to change it to my legal married and they still refuse no matter what. I want my ladt name to finally be corrected after a year and s half of problems.Also want the extended fraud alert removed that I never asked for.
Product: Checking or savings account

First Citizens bank ran a promotion back in XX/XX/XXXX for new customers to qualify for a {$300.00} bonus upon meeting certain requirements detailed below Earn {$300.00} when you open a Free checking account bundle and complete the following requirements : - Establish a direct deposit of at least {$1000.00} per month or make 10 debit card transactions within 90 days of account opening - Enroll in eStatements - Open a new savings account I opened both checking and a savings account with them on XXXX XXXX and have met the requirements to qualify for the bonus by receiving deposits of {$1000.00} through direct deposit from my employer. After following up with the bank a few times about the bonus, they have not yet credited the bonus and denied it. 

I am entitled to receiving the bonus based on the terms listed and need your help in this regard.
Product: Debt collection

I have this account showing on my credit report but I never received notification from the debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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