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

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/year> 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Over the past few days I have been involved with my credit report and noticed that there was a collection on my report that I am not aware of. I called the original creditor to get more information on this debt, and the information that was provided was not accurate. I also looked up the creditor online and noticed that this creditor is located in XXXX  FL, where I have never been. I also noticed that this hospital debt is a HIPPA violation even if the debt does not belong to me. I have never been to XXXX XXXX XXXX  nor do I owe XXXX XXXX XXXX any debts.
Product: Credit card or prepaid card

To whom it may concern : This complaint is in regards to a promotional offer for an Starwood Card offered by American Express. An offer was sent to me in XX/XX/XXXX that I qualified for that would allow me to receive XXXX Starwood Preferred Guest  ( SPG ) points for {$1000.00} spending for each authorized user I add to my personal card account, up to four, for a maximum of XXXX SPG  points potentially awarded, starting in XXXX of this year. 

I added my wife, my father and mother, and my sister to this card in XX/XX/XXXX, and met the appropriate spending to each card inXX/XX/XXXX. I however only received the bonus for my wife, and not the bonuses for my father, mother or my sister 's authorized card use. 

I have contacted American Express on four separate occasions ; three times using the online agent feature in XXXX through XXXX, last onXX/XX/XXXX, and once by telephone XX/XX/XXXX. After my second online agent discussion, I was told my concerns would be forwarded to their " rewards team '' After today 's online and telephone discussion, I was again told that my concerns will be forwarded for investigation. No timeline was given other than weeks. 

I have met the terms and conditions for this offer - I do n't think any agent has expressed to me otherwise that I have not. I expressed concerns that previous promises of escalation and investigation have not lead to results. I have not received any direct correspondence about any investigation from anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently completed the student loan rehab program. Once this is completed, I was supposed to have all late payments removed and the accounts removed from my credit report. I have had the negative remarks removed from my XXXX report, but the accounts have been labeled collections/charge off. XXXX and XXXX have yet to make any changed. I called the XXXX XXXX XXXX and they informed me that they told the bureaus to remove the accounts. So I called XXXX regarding this, and they refused to do so. They said that I had to wait until 2018, which is totally different from what XXXX is saying. Both the credit bureau and XXXX  are telling me to speak with the other.
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 insure 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. '' ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) 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, XXXX, Transunion ( 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. '' ( Furnisher of information to credit agencies ) 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.

Family Educational Rights and Privacy Act 20USC 1232g ( b )
Product: Debt collection

equifax XXXX XXXX is reporting information on my profile and its violating my rights 12 CFR 1006.34 ( d ), and 15 USC 1681- s2 ( 7 ) ( a ).

Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), it is mandated that financial institutions must promptly remove inaccurate incomplete fraudulent account ifrom consumer reports.
Product: Debt collection

I noticed a collection on my credit report after applying for a mortgage. I contacted the credit bureau and they responded that it had been verified by Paramount Recovery Systems and to contact them for more information. I attempted to contact the creditor, but could not get in touch with them. I wrote a letter correspondence on XX/XX/2018 simply requesting information on the debt they said I owed. I did not get a response. I wrote a second letter and sent it certified. The tracking number was XXXX. It was received by the company on XX/XX/2018 at XXXX XXXX XXXX XXXX, TX XXXX. I still haven't received a response from them. I don't recall this debt and I'm afraid that they may have me mixed up with someone else. I'm attaching the letters for your review. 

The first address I mailed to was XXXX XXXX XXXX, XXXX . XXXX, XXXX, TX XXXX. The second letter I sent certified to XXXX XXXX XXXX, XXXX, TX XXXX. Tracking : XXXX I hope that you can help me get this resolved.
Product: Mortgage

In XX/XX/XXXX I received a notice from Ocwen stating that I was eligible for {$5000.00} recast offer on my mortgage. It was an earned incentive under HAMP for paying my monthly mortgage as agreed & on time. I immediately accepted the incentive, and requested to have {$5000.00} applied to my loan, and to have my monthly payment lowered by {$50.00}. When my monthly mortgage payment increased from {$1100.00} to {$1300.00} on XX/XX/XXXX, I called Ocwen to make sure that my incentive had been applied, and was told that it takes 2-3 months. I recently received a letter from Ocwen dated XX/XX/XXXX stating, that I am not eligible for my incentive due to my payment being 41 days late. I have never been late with my monthly payments. I pay my own property taxes & home owner 's insurance and I have never been late. This is an unethical tactic by Ocwen to keep my incentive that I worked diligently for. I have ( 30 ) days to appeal their decision, which I did on XX/XX/XXXX by email to their Escalations Department. This loan servicer is very shady & dishonest, they are always trying to beat their customers out of money, incentives, loan modifications, etc. I want my {$5000.00} earned incentive applied to my loan ASAP.
Product: Debt collection

XXXX Sequium Asst Co Called today asking for {$110.00} for unpaid debt of my cable service even though it is active and current. Asked for more information about it but pressed for me to pay. Called 5 times this month. XX/XX/1919, and XXXX. They impersonated a collection company for XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEE THE VICTIM OF IDENTITY THEFT THE ACCOUNTS ARE BELOWXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased two suits from XXXX, a company that makes bespoke suits. This company committed fraud, did not meet its terms of service, and lied about their shipping arranagments to me. I received the suits, to an address in XXXX, because they would not ship the suits to XXXX XXXX, where I currently live. This is despite nothing in their terms of service claiming they would not ship to XXXX XXXX. It only states they do not ship internationally, and XXXX XXXX is part of the United States -- so the shipping would indeed be within the same nation and not " international '' The suits, which I had to fly to XXXX to pick up, did not fit me at all. This was despite a guarantee they would. They refused to allow me to get them tailored in XXXX XXXX, again claiming in International. XXXX XXXX is not international, and to highlight the absurdity of this argument they could of simply used the USPS and not paid additional shipping costs. Also, I would even be willing to pay additional shipping costs. 

My credit card company asked for a letter from a competitor, which I was able to get and provided. This gave the expert opinion that XXXX was not acting within industry practices. I also provided all my correspondence indicating they would not remake the suit from a tailor in XXXX XXXX and they would not honor their guarantee. Despite this, they would not reverse the charge. This is against their terms of service. 

XXXX also refused to accept a return of the suit and provide a refund.
Product: Prepaid card

I bought my XXXX XXXX GIFT CARD from XXXX at XXXX, XXXX  since XX/XX/year> and kept it for gaming purpose but on getting to make use of my card, it was all declined and I called to confirm what the problem is and I was told its been compromised and on HOLD, that I should upload my DOCUMENTS to Verify my Identity which Ive done but no response yet nor a new Replacement Card as Promised. Morealso I noticed some XXXX  were trying to tamper with my cards and I found the History that says a charge was made from XXXX  and XXXX, when I actually lived in XXXX  and purchased my Gift Card in XXXX, can you see how scammers tryna rob me off my funds, please help me out and I will really appreciate, GOD bless you
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1000.00}.
Product: Mortgage

I submitted paperwork in XXXX. The company is backed up so it took them 60 days to complete. Not my fault. My partial claim Was approved and company paperwork received XX/XX/year>. 

On XX/XX/year> I received notice Im 150 days late on my mortgage. How do when the partial claim was approved XXXX and my paperwork was received the same month.
Product: Vehicle loan or lease

Toward the end of 2019, I was in the Market for a new car. I was approved by Credit Acceptance for a loan that I was not initally interested in but they told me that it was the only loan and interest rate that I qualified for becasue I did not have much credit history. I needed a car and accepted the loan because I was under the impression that there were no other options or interest rates available for me. In trying to communicate with them about interest rates and the cost of the car they often told me there is no one I can talk to and eneded up repossing my car within a year. I did agree to the payments but I was unaware of all the fees and all of the interest that they would charge me and when trying to explain my hardship of XXXX and other issues that I faced during this time, they were unwilling to listen and work something out with me. This caused the price of the car to continue to rise because of the excessive interest rate. I feel taken advantage of and it is even difficult for them to send me the terms of the contract that was signed. I would like to file this complaint because I have paid {$11000.00} and they can not tell me what has went to principal and what has went to interest. I have requested the contract agreement.
Product: Student loan

I attended XXXX University and paid off XXXX of my Navient Loans approximately 4-5 months ago, and still have not received a " Paid in Full Letter '' as promised by them, several times. Therefore, I am sure that this loan is still negatively impacted my credit.
Product: Credit reporting or other personal consumer reports

In accordance to the fair act XXXX account : XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights 15U.S.C1681 sec 602a states I have a right to privacy 15U.S.C1681 sec 604 sec 2 it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I called today XX/XX/2021 the XXXX, XXXX, Equifax, and XXXX. I called XXXX, Equifax and XXXX  : who or company or organization is making my credit report to up or down. Equifax, XXXX and XXXX  basically call XXXX. 

When I called XXXX they told me about how the calculate my score but reused me who, what, why, how and what for because I think my e-oscar should be higher then what they are calculating. 

I would like to know who is making my credit score go up or down and how they calculating my XXXX or any other software. I believe this a fundamental right whom is causing scores to go up or down.
Product: Debt collection

I am not liable for this debt as I do not have a contract with Velocity Investments LLC I am making this complaint because I am a victim of identity theft according to the FCRA and have not given written permission for these accounts to be furnished on my consumer report, furthermore, I have reached out to Velocity and they referred me to XXXX XXXX XXXX an attorney. When I connected the attorney they could not give me any information. I am being run around in circles and would like to get the issue resolved. No one will verify the debt is mine or give me any information once I say XXXX XXXX is not me. Please remove the item from my credit report and stop any legal action.
Product: Checking or savings account

I initiated a transfer on XX/XX/19 from my Chase Checking account to an external account. The amount in question was {$10000.00}, which was well within the funds I had available. I already completed verifying that external account a week prior with no issues. 

On XX/XX/19, I tried to log in to Chase 's website to see if the transfer had completed, but the website said my account was locked. 

I then called the customer service number provided, but after talking and waiting for an hour, they did not provide any solution beyond " go visit a branch. '' I am located quite far from one, so I will have to take time off from work to travel there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 7 student loans that were paid in full on XX/XX/. XXXX XXXX XXXX sent an update to the credit bureaus to reflect that the account was paid in full. On Experian an additional piece of information was recorded. A " Failed to Pay '' was recorded forXX/XX/XXXX which was in error. I called the XXXX XXXX XXXX to ask them to fix the incorrectly reported item and they said they don't report payment history and that the error is with Experian. 

I called Experian and explained the issue and they created a dispute but to confirm balance and status and XXXX XXXX XXXX confirmed the info was accurate. Because Experian did not dispute the payment history it was not corrected. I wrote Experian a letter explaining again that I was disputing the payment history for XX/XX/XXXX Again they created a new dispute but only for balance and status and again XXXX XXXX XXXX confirmed. 

The issue is that a Failed to Pay was incorrectly recorded for XX/XX/. Experian is not disputing the correct information with the XXXX XXXX XXXX and so its not getting corrected. My score has already dropped over 60 points due to this error and I'm in the middle of escrow. I have copies of the letters and letter tracking that I mailed to both Experian and XXXX XXXX XXXX. I can't get either one to  correct the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, On XX/XX/XXXX I went into my XXXX XXXX account which I haven't done in a long time and noticed in all my collections there is a charge of {$970.00} loan amount from XXXX. I called XXXX on XX/XX/XXXX to validate how I owed them any money. What had happened was back In late XXXX maybe early XXXX I had a family plan with them and a separate phone line. All my numbers on my family plan got moved to a different provider. As for my other phone line I paid it off and closed it since I believe I was on a month to month term with them. I Know 100 % I paid in cash at the XXXX store in full amount owed. While on the phone today they said they were billing me even after my account was closed because the person at the store never closed the account. I asked them to remove this whole thing from my report as this is inaccurate. The customer rep told me to go through each credit reporting site to dispute this. I do not owe them any money and never used phone there talking about. If someone else did such as that customer service rep from the store that is fraud and I should not be held responsible for something I never Authorized. I am Looking for all major credit reporting agencies to have this removed under the fair credit act since this is all Inaccurate and unverified Information. I will also show you guys a picture of this inaccurate info that they have on my credit file.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my deep frustration and disappointment with the second attempt made to remove fraudulent items from my account. 

Despite providing all necessary documentation and details to support my claim, the resolution process has been slow and ineffective. The fraudulent charges remain on my account, causing me undue stress and financial strain. 

I expected a more efficient and proactive response from your company in addressing this matter. The repeated failure to promptly remove the fraudulent items from my account has not only compromised my financial security but has also caused unnecessary frustration and inconvenience. 

I urge you to take immediate action to rectify this situation. I request that you expedite the process of removing the fraudulent items from my account without further delay. Additionally, I expect transparent communication regarding the steps being taken to prevent similar occurrences in the future. 

Furthermore, I believe it is reasonable to request compensation for the inconvenience and distress caused by this oversight. I trust that you will handle this matter with the urgency and seriousness it deserves and provide me with a satisfactory resolution promptly. With this, I am asking for your assistance to remove these fraud items in my credit file:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Federal Student Loans are still in pandemic relief status, however Navient, my servcing company tells me I have missed a payment and charges me an {$8.00} fee. I have paid this loan throughout the pandemic, but in XXXX, I was unable to make any payment, which should be my option at this time. However when I log in I get a message that I still owe money and there is the above amount added to my account as a fee.
Product: Credit card or prepaid card

I have high credit card limit & purchase everything on my bank of America credit card. My brother got married in XXXX of 2021 & I offered to put the cost to their venue on my credit card. In response, he paid me back in check & {$5000.00} cash. I've deposited the {$5000.00} cash into ATM at XXXX XXXX location XXXXXXXX XXXX XXXXXXXXXXXX XXXX. The ATM took the money & shut down & only gave me a slip that said we are unable to process this request. I have immediately opened a claim. After multiple long follow up calls, I finally received only {$4000.00} credit back on my credit card. I had to reopened my claim immediately & haven't received my money back. I get transferred Everytime i make an inqury regarding this clam & it hasn't been resolved after almost 8 months.