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 confidentially under 15 USC 1681. 
XXXX XXXX Account : # XXXX XXXX  XXXX account : # XXXX XXXX  XXXX Account : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX USC 1681 section 602 states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' 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. '' 15 USC 1681 section 604 a section 2 states " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : following the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies XXXX and XXXX and Transunion do not have my consent to furnish this information and surely do not have my written consent. Any authorization to XXXX, XXXX, or Transunion, whether 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 explained how the consumer can exercise that nondisclosure option. '' 15 USC 1681c ( a ) ( 5 ) States that no consumer reporting agency may make any consumer report containing any of the following items : any other adverse information other than records of convictions for crimes that antedate the report by more than seven years.

5 USC 1681 s-2 a 1A 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 the information is inaccurate. 

XXXX, XXXX, and Transunion never informed me of my right to exercise my nondisclosure option. Not only that 15USC 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
Product: Credit card

someone made charges on my account at XXXX i have been disputing these charges for months. these go back to XXXX now XXXX is threating to send the account to a collection agency. i do not owe any money to them, they owe me over {$3000.00}. if this happens my credit will be down! there are over XXXX charges more than i can put on here. i am XXXXXXXX XXXX & shouldn't have to deal with this. i have gotten no help from anyone!! thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

according to the law these compainies are reporting improper information on my consumer report late payments or any transaction is againt the law to teport on my consumer report and should be removed asap! immediately. this company has violated me 5 times! XXXX XXXX XXXX If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except XXXX XXXX XXXX a-d Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section XXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Money transfer, virtual currency, or money service

I had sent a payment on Venmo for {$1100.00} on XX/XX/XXXX to someone. My account was hacked and the transaction was disputed. I got access back to my account and verified I did send the funds. Venmo sent this information to my bank and this caused an investigation. After my bank reviewed and verified I sent the money they told Venmo to release the funds to the receiver. This was on XX/XX/XXXX. I have asked Venmo almost everyday since XX/XX/XXXX on when they release my funds to the receiver they just tell me they know my bank closed the case but to be patient as they are working to release the funds. I am actually beyond frustrated and think Venmo is just going to keep the money and never release it to the receiver.
Product: Vehicle loan or lease

I was told I had to buy all the packages with the car loan and I was told I was getring a 4 % interest and at signing it was at 8 % but I immediately told him I was not paying 8 %.
Product: Credit card or prepaid card

I received approval for a credit card from Prosper Marketplace , Inc. XX/XX/2022, and to this day XX/XX/2022 I have not been able to activate or use the card. I have called their support number XXXX at least 30 times and was able to reach a rep once who sounded like she was on mobile phone instead of a in a call center. I tried explaining my problem but she kept saying she could not hear me and eventually hung up, so I emailed them at support@prospercards.com on XX/XX/2022 hoping i would get some help and the response I got back on XX/XX/2022 was " Thank you for contacting Prosper. We apologize for the delayed response as well as for the extended hold times. We are experiencing increased call and email volume due to high demand. Please provide copies of your Social Security Card and driver 's license by replying to this email for further review and account updates. We will then reach out about the account findings and/or resolution when those details become available. Thank you for your cooperation. 

For further questions or concerns, you may contact us at XXXX, M-F, XXXX XXXX - XXXX XXXX EST. Thank you and have a great day! '' So here I am a month in with a credit card I can't use and no one at this company will answer the phone and they want me to send a Social security card and driver 's license to them via email? Why I already have the card, but at this point I think it is just not worth it to have this card seeing all the hoops I have jumped through and still no resolution.
Product: Mortgage

We have a 15-year loan with Mr. Cooper and we are in the processing of paying off the home early. We have an auto-payment set to come out every month on the XXXX in the amount of {$2400.00}. 

Earlier this year ( 2021 ), we had an issue with Mr. Cooper applying " additional payments '' to our account instead of " principle only '' ( which was our intention ). The representative fixed the errors in our account and then recommended that we make our monthly payment ( auto withdrawal ) and then select " principle only '' whenever we make another payment that is for principle only. We had already been doing that and it was Mr. Cooper 's error for applying the payment incorrectly. 

There is a VERY SPECIFIC area on the app in which a consumer can select " make a one-time payment '' and then you can choose " principle-only Payment ''. However, Mr. Cooper continues to apply our principle-only payments as a regular monthly payment, then advancing the month the mortgage is due by one month ( this is not acceptable, we will pay off the loan early regardless ). My husband had to call them again in XX/XX/2021 to fix the same issue. The representative indicated it would be fixed. 

We made another payment today ( XX/XX/2021 ), principle-only in the amount of {$21000.00} and AGAIN Mr. Cooper paid XXXX to principle and withheld another " monthly '' payment one-month early. Mr. Cooper has still not corrected the " extra payment '' issue in XX/XX/2021. 

As consumers, my husband and I can not help but believe this is Mr. Cooper 's method for gaining advance interest payments and more interest than they should be collecting for a mortgage that will be paid early. Every time we try to reach Mr. Cooper, the recording indicates we will be called right back, in cue, the order of calls received. Instead, it takes them days to get back to us. 

If Mr. Cooper makes this a general practice across mortgages, essentially, they are collecting more and more money from consumers than they should be. Just with our last two principle-only payments ( Mr. Cooper applied incorrectly ), they collected another {$270.00} in XXXX interest and {$300.00} in XXXX interest ( EXTRA ). 

Regardless of our efforts to have this corrected, Mr. Cooper continues to allocate our payments incorrectly. We should not have to call them constantly to correct the issue when we are following the procedure exactly as we were instructed to do. 

Look at the hot mess they have made in our accounting ( attached ) as well as screen shots of the Mr. Cooper app where we make out payments.
Product: Vehicle loan or lease

Because I used a credit card, which would be considered my social security card in this case. This account should not have been added to my consumer credit report.
Product: Debt collection

I called XXXX to inquire about the account of my deceased husband, M.F. SS # ending XXXX. There was an account with XXXX XXXX. It shows as a delinquent account on my credit report. 

When I reported my husbands death to XXXX XXXX XXXX, I guess they were representing Bureaus Inc. But I really don't know who is representing who, I was informed that I would not have to pay. So the account was closed and sent back to Bureaus Inc.,  When I called XXXX XXXX the told me to contact Bureaus Inc.  When I got in touch with someone they told me to call XXXX XXXX XXXX. I was able to write and send an email on XX/XX/2019 to Bureaus Inc and I have not heard anything from them. 

I heard from XXXX XXXX, and they stated that they do not have the account. 

My goal here is to clear my name from this account as paid in full or have it taken off of my credit report. XXXX  XXXX said they don't have the account, XXXX XXXX says they do not have the account so now it's on Bureaus Inc. 

Please clear my name from my deceased husband 's account from XXXX XXXX. Acct # ending XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth attempt to let you know that I was a victim of identity theft and that I want to challenge some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block any items in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX TNXXXX XXXX XXXX XXXX XXXX  TN XXXX, XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX : {$10000.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2500.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2300.00}, XXXX XXXX XXXX*Balance : {$4700.00}, XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

On XX/XX/XXXX, I went to Bank of The West to deposit my {$500.00} 2021 NM rebate check into the ATM. I put my debit card in and started the deposit, after choosing my savings account to deposit the funds in, the ATM said the account was not linked to make deposits. The ATM then spit the check back out and gave me my debit card back. I then started the process over, this time choosing my checking account to deposit the funds in. At this point, the ATM tried reading the check and after about 5 minutes of processing, the machine shut down. I watched as it loaded back up slowly. Since it was a few minutes until closing time, I then went into the bank to ask for help since both my debit card and check were in the ATM. I went in and the first teller said theres nothing that can be done and my debit card and check would be shredded. The Senior Relationship Banker then went out to the ATM with me to see what was going on. He went back into the bank to call the ATM third party to see what to do. They said they could remotely reset the ATM and my check and debit card should come back out. After loading back up, the ATM did not return my card or the check. The Senior Relationship Banker, then gave me a buisness card with his number, since he was leaving for the day, and told me I should see the {$500.00} credit in my account the next day ( XX/XX/XXXX ), but if I didn't see the credit to give him a call. He said if it was an ATM error or any error on the banks part, I would be compensated right away. The next day, after not seeing the credit, I called him. He said the ATM technician should be out there that day and they could open the ATM and get the check. When the tech got there, they opened the machine but were not able to find my check. I was then instructed to go into the branch location to order a new card and see what they could do about the check. I went in, got a new card ordered and was told they would open an investigation about what happened with the check. Since that day, I have called multiple times, gone into the branch multiple times and called the XXXX  customer service multiple times. I have recieved 1 call back, after being promised I'd recieve calls back, and have been given no time length or information on the investigation, what the investigation entails or what will be done in the event that the check is not found.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV FUNDING LLC added a derogatory mark on my credit report per XXXX XXXX stating that I owe a current account balance of {$1000.00}. That is incorrect because that is not my account. The Debtors creditor did not verify this collection. Also, there was NO written form of communication, contact, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anyone can send a bill and claim its mine. According to the FCRA, LVNV FUNDING LLC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Request to list my only legal name and address and remove all other information being reported as it is inaccurate. Filed dispute with all 3 credit bureaus. 
XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX
Product: Student loan

My loan repayment began in XX/XX/2023. I created an account with Nelnet, the company my loan had been sold to. Every month when I log in I can not and have to change my password to do so. I informed the loan company about the problems I was having and finally got an email 2 months later which addressed nothing regarding their ability to fix the problem. I can now not log in at all to pay my loan payment. I have gone through their system to change my password 5 times and still can not log into pay, I want to make sure I will not be charged a late fee due to their inability to correct their problem.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX noticed Two fraudulent accounts appearing on my credit reports. I have attached an FTC report and additional supported documentation. 

1. XXXX {$420.00} 2. XXXX XXXX {$650.00}
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, I request the immediate blocking and deletion of the accounts and inquiries listed below, pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were not authorized by me and are the result of fraudulent activity related to the breach.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these entries be blocked from my credit report. Please find the details of the fraudulent accounts and inquiries below : Fraudulent Accounts : 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 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 60 days late in XX/XX/XXXX another 30 days on XX/XX/XXXX another 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX  filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Debt collection

I recently requested copy of my Expeian Credit Report. In reveiwing my credit report I was shocked to see several XXXX accounts on my credit report. In looking over my credit report, I noticed it was about six different accounts. 

With six different account numbers, some were of collections, and some were paid closed.Two were paid closed, and three were in collection status. I am not aware of the accounts reporting with the company XXXX XXXX. I did not give any permission too open any account with this company. 

Therefore, I am not aware how my personal infotmation got tied to these accounts. I have had issues of my personal information being compromised. And been used in several transactions in which I recently requested to freeze on my credit file. 

I request that these accounts be deleted and removed from my credit file. I am not aware if these accounts are repoerting on my other credit files. But, I will request my files from XXXX XXXX, and XXXX. I only currently see these accounts on Experian. 

I went onlne and filed a complaint with the Federal Trade Commisiion, for Identity Theft See uploaded copy of complaint, with all account numbers of accounts..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXXXXXX, violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A.

States I have ( he right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account wilhout my writen instructions.
Product: Credit reporting or other personal consumer reports

Attention General Counsel : ExperianXXXX XXXX XXXX XXXX XXXX We have enclosed the Arbitration Form outlining the specific details of our dispute. We hereby notify our intent to formally demand that Experian assume responsibility for covering the arbitration costs as required, prior to proceeding with the filing of this case with the XXXX XXXX XXXX ( XXXX ). 
To avoid arbitration, please address this matter promptly and confirm your compliance in writing. 

15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

REMOVAL OF ALL LATE PAYMENTS IMMEDIATELY - UPDATE ACCOUNT " PAID AS AGREED " Account : XXXX XXXX Account XXXX Pursuant to 15 U.S. Code 1681n and 15 U.S. Code 1681o, this correspondence serves as formal notice that your continued failure to address and resolve the inaccuracies in my consumer report constitutes willful noncompliance and negligence under the Fair Credit Reporting Act ( FCRA ). Your obligations under federal law require the maintenance of accurate and complete consumer files, and your failure to take corrective action after being notified of this matter underscores a disregard for your legal responsibilities. Enclosed, please find an arbitration form that I am prepared to submit should this matter remain unresolved. I urge you to rectify this issue promptly to avoid further legal action necessary to enforce my rights under the FCRA. 

XXXX XXXX Account XXXX and alleged to be Closed Alleged is reported in deficiency of reporting mandates and or necessary formalities therefore the sophism must be eradicated as is my legitimately requested resolution, please do so HERE AND NOW! It is ILLEGAL to retain or report misleading or unproven info, especially considering a composed consumer complaint notifying you of said issues so please DELETE the aforementioned illegally divulged allegation ( XXXX ) here and now. ALL claims, appropriate or not, must be apodictic to be currently and fully bona fide, CORRECT, COMPLETE, TIMELY, of principal OWNERSHIP, of principal RESPONSIBILITY. Applicable reporting laws and requisite standards, which is currently the XXXX, FCRA, FDCPA, METRO 2 COMPLIANCE STANDARDS and others. document laws and needed reporting standards, you or any entity are in infringement of XXXX XXXX rights. Should you continue to cling to and/or report any chicanery based subterfuge even upon my declaration of a composed consumer complaint, therefore, eradicate immediately and in entirety any and all allegations which are not demonstrated in clarity to be authoritative, correct, complete, timely, or else wise fully compliant.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX Balance : XXXX