23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

AMEX Prepaid card purchased by my company in XX/XX/XXXX and handed out to employees at a sales training event. Card has been in my possession since I received it. I did not attempt to the use card until XX/XX/XXXX. Merchant declined the card due to {$0.00} balance. Called AMEX and found out the card was used at a gas station in XXXX XX/XX/XXXX. I live in XXXX, XXXX and have never been to XXXX. AMEX tells me they can not do anything. They tried to give me the phone # of the merchant in XXXX which was unavailable.
Product: Mortgage

I started a refi with better.com. The whole process was pretty smooth except they overcharged my closing cost. I received an email from the company that .5 % surcharge was added to my closing cost because of a new FHA finance fee that was suppose to start in XXXX when I closed the loan. The FHA later pushed that fee implementation past XXXX so I was told on XX/XX/2020 that I would receive a refund of XXXX. After many emails and back and forths over the months and being told we are working on it give it 2 weeks then contact us again if there is still an issue etc etc, I have decided to file a complaint to hopefully get my issue resolved with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC 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. XXXX XXXX XXXX XXXX XXXXXXXX. Please delete ASAP.
Product: Debt collection

Transunion XXXX and XXXX failure to respond and are not complying with their own policies in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a XXXX XXXX through XXXXXXXX XXXX XXXX The vehicle was totaled by a party that unfortunately XXXX XXXX XXXX XXXX XXXX XXXX 
Because the vehicle was totaled at no fault of my own the other parties insurance. Paid for the remaining of the vehicle. I inquired through XXXX, Trans Union, XXXX, and XXXX on the information has been provided on my credit report. All three credit bureaus did not give me anything worth substance. XXXX never responded at all. I sent out certified letters, requesting all information and regard to this debt.
Product: Debt collection

XXXX Assistance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Is attempting to collect a debt from me in the amount of {$97.00}. They have reported this debt to my credit file, with XXXX, XXXX and XXXX. 

According to XXXX XXXX  Consumer Debt Collection Agencies are required to be licensed in the state of XXXX, ( XXXX of consumer collection agencies required ; exemptions. 
( 1 ) A person may not engage in business in this state as a consumer collection agency or continue to do business in this state as a consumer collection agency without first registering in accordance with this part, and thereafter maintaining a valid registration ). In which XXXX XXXX XXXX  XXXX does not currently hold any active license in the state of Florida with the XXXX XXXX XXXX XXXX.
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 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries.

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: Student loan

I acquired a student loan for XXXX XXXX XXXX between XXXX. This loan " required a cosigner '' to which I was able to provide ( a boyfriends father ). The loan was set up on a 15yr repayment at a substantially higher interest rate than that of my other student loans ( it was variable so it did change but never lower than the XXXX 6 % ) for a student loan with a minimum monthly payment of {$50.00}. The loan was paid off but in XX/XX/XXXX I enlisted in the military and was told that my loan did not qualify for the XXXX reduced interest rate because it was not a Federally funded loan. However, my credit card and XXXX other loan with XXXX was approved for the reduced interest rate. I believe that it was not done my policy and I should be compensated for the incorrectly charged interest on this loan. Also I was told on several occasions that I was not eligible to release my cosigner even though I has a sufficient credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Elan financial insists on reporting my wife and my account with them grossly incorrectly on all six of our credit reports. This has been going on for over a year now.I have sent them proof that they are reporting it incorrectly, but they will not change it.This is a credit card through Deer Valley Credit Union, but they have it serviced through Elan Financial ( which is an outside company ) .The credit union and I have called them several times and sent them documents proving they are reporting it incorrectly, but they ignore all disputes we send them. The credit union has had several problems with them to the point that they are considering handling their credit cards themselves and getting rid of Elan altogether.I am trying to get my house refinanced but it can not be done because of this one account.I lost {$100000.00} on a down payment on an RV because I can not get a loan for the RV because of this one account.Most mortgage companies are aware of Elan 's very bad reputation and suggested that I contact you in this matter.This company has put me in a very bad financial situation to the point that I will have very little money for XXXX. I have had to pay for legal help ( which I can not afford ) to solve this problem. If I could get my home refinanced, I was getting cash back to pay for medical bills do to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ I had sent over a letter disputing three accounts that Transunion is reporting as alleged debt. 
Tracking number XXXX It is now XX/XX/ and no disputes have been open since point of contact and no further investigation has been made.

There are several USC codes that are being violated and are subject to fines. I will now have no option but to pursue legal remedies and report to the FTC, CFPB, and XXXX.

15 USC 1681i ( a ) : This section requires credit reporting agencies to conduct a reasonable investigation when they receive a dispute from a consumer regarding the accuracy or completeness of information in their credit report.

15 USC 1681i ( b ) : It states that credit reporting agencies must notify the furnisher of the disputed information about the consumer 's dispute within five business days of receiving it.

15 USC 1681i ( c ) : This section requires credit reporting agencies to provide consumers with written notice of the results of the investigation within 30 days of receiving the dispute, including any changes made to the information on the credit report as a result of the investigation.

15 USC 1681i ( d ) : It stipulates that if the consumer 's dispute is deemed frivolous or irrelevant, the credit reporting agency has the right to decline an investigation, but they must notify the consumer within five business days of making that determination.
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 confidentially under USC 1681. 

Acct XXXX XXXXXXXX # XXXX, Acct XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX, Acct US DEPT ED # XXXX, Acct XXXX XXXX XXXX # XXXX, Acct XXXX XXXX XXXX # XXXX, 15U.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. 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

I disputed information on my credit reports regarding a late payment to XXXX that was caused by identity fraud. It came back as verified. On XX/XX/19 I demanded verification of the method used during the investigation. Instead they sent me a letter saying that the information no longer appeared, when in fact it does.
Product: Credit card

My credit limit was lowered by Bank Of America. When I tried to get it back they said no because my credit usage was high but if they had not lowered my limit it would not have gone down,
Product: Money transfer, virtual currency, or money service

Us.Binance.com will not let me deposit my USD from their application into my bank account. I submitted a support ticket in XXXX of this year and my account is fully verified. The USD in my account can not be withdrawn due to risk management and they have not responded to my support ticket in 2 months.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, myXX/XX/XXXXand Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected 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 unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the XXXX XXXX XXXX and filed a complaint XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company known as Experian issues two different FICO scores depending if you are an individual or a bank.The reason is they want to sell customers products that raise there credit scores to what they report to banks or other lenders.I was personally was shown a a FICO score from Experian of XXXX. They stated that you are only 11 points from having an a score that would indicate excellent ( offering to sell me a product that would do this ) .My credit is also reported to XXXX XXXX by Experian which showed a much higher number. The number reported to XXXX XXXX was already in the excellent range. I called Experian and was told by the call center that was common policy. This does not seem to be the way to carry on business. 
Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX used predatory lending practices and was in litigation with the State of Texas/Department of Justice . These predatory practices have affected me as a consumer because they have put a charge off on my credit for over {$20000.00} that has been there for XXXX and XXXX months that should not be there!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Proof original debt is mine, a copy of my signature saying I approved them to sell or purchase my debt, if it was valid debt I wanted to know why I didnt get anything for my taxes saying how much I had to claim as income because I didnt get anything I requested information XXXX, The debt was sold i didnt authorize them to sell it and I asked for the proof I gave them to give my information to the XXXX XXXX XXXX # XXXX amount {$6400.00}
Product: Credit reporting

Consumer affairs division of Equifax has my credit locked. They have requested documentation to prove iden tity 2 wee ks ago which was sent in promptly. Credit report is still locked.
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and deletion of certain accounts and inquiries from my credit report. I am a victim of a data breach, which has left my personal information vulnerable to unauthorized access. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of the following entries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XXXX XX/XX/XXXX, XXXXt XX/XX/XXXX and XXXX XXXX XX/XX/XXXX have 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 or other personal consumer reports

I am a prey of identity theft. I am writing to appeal that you block the following false information from my credit report. 
I have no knowledge how the theft took place. I also have no awareness of any suspects. 
I did not obtain any money, goods, or services as an outcome of identity theft. 
Please remove the following accounts : XXXX & XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$200.00} XXXX XXXX Date Opened : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX BANK OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$3800.00} XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$950.00}
Product: Credit reporting or other personal consumer reports

I am filing this complaint against the Credit Reporting Agencies ( CRAs ) for the following violations : Fraudulent Reporting of Charged-Off Accounts Failure to Honor Opt-Out Rights Under FCRA ( 15 U.S.C. 6802 ) CRAs are illegally reporting charged-off accounts on my credit report. A charged-off account is classified as income when reported to the IRS on a 1099-C form. According to the Fair Credit Reporting Act ( FCRA ), income can not legally be reported as a debt on a credit report. 

Violation : Reporting these charged-off accounts as debts is misleading, inaccurate, and against federal law under 15 U.S.C. 1681c ( a ), which prohibits the reporting of false information on a credit report. 

Under 15 U.S.C. 6802, I have the legal right to opt out of the sharing of my non-public personal information ( NPI ) at any time. Despite this, the CRAs have failed to honor my opt-out request and continue to use and share my data without my permission. 

Lawful Right to Opt-Out : According to 12 C.F.R. 1016.10, consumers can opt out of the sharing of their information with third parties at any time, regardless of any prior authorizationswritten, verbal, implied, or otherwise. 


Under 15 U.S.C. 6801, it is unlawful for any financial institution or Credit Reporting Agency ( CRA ) to report transaction history without my explicit consent. Congress has made it clear that financial institutions have an affirmative and continuing obligation to respect the privacy of their customers and to safeguard the security and confidentiality of their non-public personal information ( NPI ). 

Violation : the CRAs have illegally reported my transaction history without my knowledge or consent. This is a clear breach of their statutory obligations under the Gramm-Leach-Bliley Act ( GLBA ) and related provisions of the FCRA.

Privacy Obligation : Under 15 U.S.C. 6801 ( b ), financial institutions are required to implement safeguards to ensure the privacy of their customers ' information. Reporting transaction history without proper authorization violates these obligations.
Product: Credit reporting or other personal consumer reports

A data breach involving the unauthorized access to my confidential financial information maintained by the U.S. Department of Education. Reports indicate that the Department of Government Efficiency ( DOGE ) accessed this information without appropriate authorization, potentially compromising millions of borrowers ' sensitive data.

This breach raises significant concerns regarding identity theft and fraud. I am requesting the Federal Trade Commission to investigate this breach and ensure that appropriate security measures are enforced to protect affected individuals like myself. 

Please advise me on next steps and how to protect myself from potential misuse of my data. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

Experian and XXXX XXXX are not responding to my requests to investigate, verify and remove accounts from my consumer credit reports that do not belong to me.
Product: Mortgage

Recently, we have applied for a mortgage with Navy Federal Credit Union. The loan officer did not communicate with us at all until we called NFCU. She was unfriendly from the moment we were on the phone ( all phone calls are recorded and should be available for a review ).

We have requested a rush appraisal order. However, the appraisal has delayed unreasonably. We would like to have some evidence ( email, fax, phone calls ) that could prove the loan officer has communicated with the appraisal company and put a rush appraisal order on time.

Since the appraiser has completed the job on XX/XX/XXXX, it did not make sense to have more than a month delay in the appraisal report.

Another issue occurred exactly three days before our closing date ( XX/XX/XXXX ). The underwriter addressed an alert regarding SSN in my wife 's credit report, requested an SSA form, and suspended her for a fraud. 
My wife received her SSN after graduation ( issued on XX/XX/XXXX ) and started her OPT. Also, she received her XXXX XXXX from the XXXX. We strongly believe considering a wrong alert from a credit report company over the XXXX clearance process is controversial. 
In addition, the underwriter asked for a XXXX XXXX renewal from my wife as the underwriter did not have enough knowledge about the US immigration laws and system.

Interestingly, the underwriter had weird document requests during the process such as remote work authorization from my wifes company during the pandemic that most of us work/worked remotely including the NFCU staffs.

Yesterday, the supervisor explained that the underwriter and the department followed the guidelines. We have kindly requested a copy of the guidelines for our review. However, the supervisor declined to provide the document.

We would like CFPB to receive and review the guidelines regarding SSN and XXXX XXXX renewal in NFCU mortgage processing. 
The loan officer, her supervisor, and the underwriter hurt our dignity and put too much pressure on us. Our dignity is priceless and is worth more than the mortgage amount ( XXXX, with XXXX DP ). The NFCU staffs mentioned above hurt our dignity nonstop since we applied for the mortgage by delaying, mistreating, and asking for unreasonable documents. 
We have been patient enough until NFCU suspended my wife and our baby as a fraud which is unacceptable under the flag of the United States. 
We sincerely request to receive the documents mentioned above to prove that the mortgage application has been processed fairly and thoroughly.
Product: Debt collection

The company calls repeatedly. Today ( XX/XX/2023 ) they called once at XXXX and again at XXXX. They called twice Tuesday the XXXX and typically call 2-3 times a day if not every other day. They are also using my cell number to contact me which is against TCPA compliancy. They have never asked for permission nor do they have permission. They have also texted me numerous times without my consent. Attached are some of the texts/calls I could recover. They have been unable to verify the debt as well.