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

On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXX regarding two unauthorized credit inquiries that appeared on my credit report. These inquiries, which took place on XX/XX/XXXX, and XX/XX/XXXX, were made without my knowledge or consent. Concerned about these unexplained entries, I requested proof of authorization and raised questions about the accuracy of the entity names listed on my report. 
In my complaint, I emphasized the critical importance of protecting personal information and ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Due to the seriousness of this issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation. 
By sharing my experience, I hope to raise awareness and help others who may encounter similar challenges with unauthorized credit inquiries and issues related to credit reporting agencies.
Product: Mortgage

I am in process of refinancing a Chase loan. We have had numerous issues, possibly illegal and/or unfair lending practices. The most important grievance is on the day of the closing Chase added a {$1600.00} Principal Reduction charge without any notification in addition they did not have a corresponding reduction in the mortgage amount. I received my last Closing Disclosure on XXXX XXXX and my closing is today XXXX XXXX. In addition, I sent a required check of {$500.00} to them and would like to be reimbursed and they are not responding to emails or calls. There are XXXX instances where charges were added after the initial application and good faith XXXX of which was an appraisal and the subordination fee. Both were waived in the initial good faith but had to be argued to be removed. All of which I have in writing. The loan representative has been fired / removed so he is no longer available. The processor is no longer responding. The processors manager is not responding. I need some assistance recovering the {$500.00} and lodging a complaint.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting.I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because it is unsubstantiated. According to federal and state law, you must report any allegation accurately and completely.It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report.The following allegations appear to be inaccurate and require verification before they can be considered accurate. Please report each allegation fully and accurately, ensuring that all information is verified as correct or REMOVE them from my report
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ), Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ). And Regulation E. These actions have caused significant inconvenience and financial loss. And I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX is fraudulently reporting inaccurate information and duplicating exact accounts numbers and reporting that accounts are pass due when they are paid and current. Accounts : XXXX XXXX XXXX not late or missed payment this account is paid in full and closed. This XXXX XXXXXXXX XXXX is listed multiple times. XXXX XXXX same account listed multiple times.XXXX XXXX XXXX account listed multiple times. This is a revolving weekly account its never late. XXXX XXXX XXXX XXXX so closed and paid in full. Why is it listed as a missed payment and late. XXXX  XXXX account is open and never late. 
2. XXXX is reporting using old accounts and reporting them as new. This is an on going problem and its discriminatory as iam a person of XXXX and these practices XXXX is unfair and hinders my opportunity for financial help because the accounts are not being updated and old accounts are recycled for the credit bureaus and credit services to keep billing and getting paid meanwhile my credit profile is not going in a positive direction because XXXX is not updating accurately. Iam making an honest attempt through cfbs to help correct this problem as I will have no other record but to seek legal action if XXXX does not correct this matter in 30 days.
Product: Credit card or prepaid card

I have a Capitol One pre-paid cc that I have had for about a year. I have a security of {$500.00} on the card. I called onXX/XX/2019 to close the card. The rep let me know that within a week I would be sent a check of my credit less the amount of the balance on the card ... which is about XXXX ... 
I waited till the end ofXX/XX/XXXX, called the company and they said they have a " delay in the system '' that I needed to call back in a week to see if the check was sent. I called todayXX/XX/XXXX and was placed on hold, was told I still have a balance of XXXX $ and that they have a " delay in the system ''. Once again was told by the rep XXXX that I should call back on Saturday XX/XX/XXXX to see if the check for my balance was sent. 
I am very upset that this company tells me that my account was closed almost a month ago and they still are holding my money. It sounds like they are having problems with multiple delays and someone should look into this ...
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I contacted XXXX and XXXX and had a freeze placed on my credit report. I received confirmation that it would take XXXX hours for the freeze to be placed. On approximately XXXX XXXX I contacted Equifax about removing a bankruptcy from my consumer credit report that was listed fraudulently, they informed me they would have to investigate it. 
I received a letter dated XX/XX/2023 from Equifax stating the bankruptcy came back verified as mine and it was verified using XXXX, which could not be true because I called XXXX and they told me that I, indeed, have a freeze on my account.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 credit Bureaus has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiries reported in my 3 credit Bureaus 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX , XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX  : XXXX, XXXX : XXXX, XXXX XXXX bankruptcy discharged : XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

On XX/XX/XXXX PNC BANK is trying to over charge me on my escrow account trying to raise it by {$2900.00} dollars so I want to take over paying my taxes and insurance myself and they agreed but are trying to charge me a escrow account closure fee of {$350.00} for closing it my mortgage was bought out by them from XXXX XXXX mortgage who bought it from XXXX mortgage company and it is not in my contract that I have to pay to cancel the free service I filed a complaint with them and have not heard from them as of yet
Product: Credit card

I am experiencing real danger for my life I have expressed how there tactics. I am a natural person explaining loss from one of the most difficult times of XXXX. XXXX XXXX many of us where affected by the loss of family members and income is not where it was before this storm. Now a corporation is unable to speak and give a hand to a natural person that's living in a world of strife and dishonesty. I was not given clear and conspicuous information of how there going to committing acts of Extortion. To share a private matter with the public I don't believe this is " Federal Guidelines '' for a Consumer to deal with.
Product: Mortgage

In XX/XX/year>, I spoke with multiple Shellpoint Mortgage Servicing representatives about a repayment agreement for my second mortgage. Each representative provided different information regarding the initial payment amount and monthly payments. Despite my willingness to pay, I requested written confirmation of the agreement before proceeding, but I have not received any documentation. The most recent representative, XXXX XXXX, informed me that my account is in foreclosure, which contradicts previous discussions about a loan modification.
Product: Credit card

On XX/XX/XXXX there was a purchase made of XXXX from XXXX online that I did do I called wellsfargo to dispute that purchase and two others and they got back to me today XX/XX/XXXX saying my claim was closed and I wasnt getting any money back cause according to them I did the purchase when I didnt do it I went in to the bank to talk to someone and they said they cant do nothing about it
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I would like to dispute the enclosed collection notice from XXXX XXXX, XXXX ( XXXX  XXXX XXXX XXXX in the amount of {$3600.00}. 

I was given XXXX XXXX XXXX phone number and called them on XXXX XXXX XXXX to get a quote on a boat rental, waterski equipment, life jackets, etc. for a one day adventure on XXXX XXXX, XXXX. I spoke to XXXX who quoted me by email {$2600.00} not {$3600.00} for everything. He asked for my credit card to hold my reservation. I told him I needed to check with the XXXX other families to confirm since it was very expensive. He said he would hold it and not charge it and he would wait to hear back from me. 

I called XXXX back XXXX minutes later to tell him we would not be renting the boat and equipment because our group thought it was too expensive. At that point, I received an immediate email saying the money is due and my credit card would be charged. He went on to say that I couldnt cancel and the website should have made that clear. I was never pointed to a website to read the fine-print they claimed would be non-refundable. Regardless, I never signed a contract and I never received services for anything. I could understand this more if I had cancelled the day before but this was 10 days prior and I cancelled my reservation XXXX minutes after he said he was just going to place a hold on it. 

This was very frustrating to say the least. I have never had anything like this happen to me. I have a XXXX credit score. I was merely blindsided by this company and probably should have been more careful in hindsight giving out my credit card info. I dont believe I should be held responsible for this debt due.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration and disappointment regarding the unresolved fraudulent items on my account. Despite numerous attempts to rectify this issue, the fraudulent charges remain, causing ongoing distress and financial inconvenience. Since I have followed all required procedures, providing detailed documentation to support my claims of fraud. However, despite these efforts and multiple follow-up communications, the fraudulent items have not been removed from my account. This lack of resolution is unacceptable and has severely impacted my financial stability. The persistent presence of fraudulent transactions on my account is not only a misrepresentation of my financial history but also a potential security risk. I demand for your immediate help and decisive action to resolve this matter. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX 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

I have had multiple loans through XXXX/Navient since I began school in XXXX. Since then I have had issues with my finances and have asked them for help. I have always been told that my payments are based on my income and are as low as they can get, even when I was unemployed my payment amount did n't change for this reason. They suggested I do a forbearance, which I have had for a few years now, and have gained quite a bit of interest due to this. I have never gotten any assistance in trying to make my monthly payments affordable and am just now at a place financially where I can afford them, despite being out of school for several years now. I always felt they took advantage of my situation, threatening default if I could n't make payments but not offering me any options other than a forbearance. Even going as far as stating I was n't eligible for a no/low income deferment when I was unemployed. I have had nothing but issues with this company and feel like anytime I need to speak to someone I get the runaround, being transferred from XXXX person to another because each person I speak to can not help me for XXXX reason or another. I will end up now paying over {$5000.00} more than what my loan is actually for because of all the interest I have accrued during the forbearance they required me to do. I received a call last night about the lawsuit being filed against the company and would like to be considered as I feel the issues being brought up in this lawsuit are exactly what I have been dealing with the entire time I have had a loan with them.
Product: Debt collection

This is a formal complaint against Portfolio Recovery XXXX located in XXXX, VA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND XXXX XXXX. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX and XXXX  and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Portfolio Recovery XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts reporting that I do not recognize. I reached out to the companies and they were of no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the company and they did nothing about it. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX - {$390.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX - {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$100.00}, {$260.00}, {$140.00}
Product: Credit reporting or other personal consumer reports

I see American First Finance on my XXXX credit report. I tried contacting both American First finance and XXXX, but none have solved the issue. I am unaware of this account on my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/year> On or about XX/XX/year>, I reached out to Experian regarding the fraudulent activity on my account, specifically regarding the unauthorized opening of an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I promptly notified XXXX XXXX and XXXX XXXX of this fraudulent activity, urging them to close the unauthorized account and remove my information from their records. 

Despite my efforts, my credit score, as reported by Experian, has decreased from XXXX to XXXX as of today, falsely indicating that the unauthorized account was closed by the creditor on XX/XX/scrub>XXXX XXXX XXXX  This is inaccurate, as I had no involvement in any changes to my credit profile and consistently maintain timely bill payments. 

Given that I have diligently upheld a higher credit score throughout the year, I demand that my credit be adjusted accordingly. This discrepancy is particularly concerning as I am currently in the process of purchasing a home and require a credit score of XXXX or above to secure a lower interest rate. 

The disparity in Experian 's responsiveness, being slow to raise my score yet quick to lower it, is discriminatory. I urge for this complaint to be escalated to management for resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In the middle of purchasing a house and mortgage lender can not pull Equifax report - even though XXXX  and XXXX  are fine. I do NOT have any type of freeze on account. I was directed to create an account on Equifax and look in " manage freeze ''. No freeze ( which I knew ). Was told to freeze and then unfreeze account hoping to fix whatever glitch appears. Lender still can not pull my credit report from Equifax and Equifax was no help.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear XXXX, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and XXXX identity theft and credit reporting laws. 

It has unequivocally come to my attention that XXXX has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

Under XXXX  law, particularly in accordance with Missouri Revised Statutes Chapter XXXX ( Fraudulent and Deceptive Business Practices ), identity theft and the unauthorized use of personal information, including credit reporting without consent, is strictly prohibited. XXXX law also imposes civil liability for violations of consumer protection and identity theft statutes. 

I assert with unwavering certainty that I have not provided consent for XXXX  to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for both federal and Missouri state laws. 

I demand, with the utmost certainty, that XXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri 's identity theft laws. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including Missouri 's XXXX fraud and consumer protection statutes. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.