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

I am reaching out to address my concerns regarding the treatment of my private information by Equifax, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, both identified as consumer reporting agencies under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ). Per 15 USC 6801, financial institutions, including those providing information to credit agencies, are obligated to consistently respect the privacy of their customers and safeguard the confidentiality of nonpublic personal information. I believe that ( Furnisher of information to credit agencies ), classified as a financial institution, falls under this obligation. However, I have not provided written consent for the disclosure of my information to Equifax and XXXX, and I wish to make it clear that any prior consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked effective immediately and indefinitely. 
As a consumer, I am entitled to ensure that my personal information is handled with fairness, impartiality, and a commitment to privacy, as mandated by the mentioned section. 
Referring to 15 USC 1681 section 604a ( 2 ), it is specified that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. I have not given written consent for the disclosure of my information to these consumer reporting agencies. I have also been violated by XXXX XXXX XXXX per my report which shows all banking history which is a violation in my banking terms agreement they had made with me. This is a violation of my privacy via the Privacy Act of 1974. 
Additionally, in accordance with 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to non affiliated third parties unless the consumer is informed of their right to exercise the nondisclosure option. I have not been informed of this right by ( Furnisher of information to credit agencies ).

Furthermore, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in a consumer report without authorization. The reporting of adverse information without my permission is a violation of this provision. 
According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, a person is not allowed to furnish inaccurate information to a consumer reporting agency. Equifax and XXXX must ensure the accuracy of the information they receive, and I have reason to believe that inaccuracies exist. 
Lastly, in accordance with 12 CFR 1016.7, I am opting out of your reporting services at this time. 
I expect a thorough investigation into these matters and a resolution that ensures compliance with the relevant statutes.
Product: Debt collection

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Synchrony Bank, XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX RE : Notice of Violation of the Card Holder Agreement Acct : XXXX Dear Synchrony Bank , Greetings, I have recently viewed my credit report and I noticed something strange as it pertains to what you are reporting to the 3 major credit bureaus. Upon signing up and accepting the terms of the credit card associated with this account, it is written in the agreement that all disputes should be handled via arbitration. Unfortunately, there has been no filing or initiation of arbitration from either party. This is a material breach of the arbitration agreement we had. To add to that, you continued in those efforts and sold this debt to a third-party debt collector after have charging it off. 
I am certain you were able to communicate the details of your dispute before deciding to breach the contract. It can be safely assumed that you were willfully neglectful in your duties to uphold the agreement set forth by this company. 
This letter is a humble attempt at seeking to have this discrepancy resolved both promptly and amicably. 
With that, my demands are as follows : 1. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; 2. A settlement agreement that I may retain for my records. 
3. Monetary compensation in the amount of {$1000.00}. 
While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. If that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 
Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 
Sincerely, XXXX XXXX
Product: Debt collection

I am simply doing this report because I just called the company around XXXX XXXX  today and I am already receiving an email talking about a settlement when I distinctly stated that the account was open fraudulently. On the letter emailed, it spoke of interest increasing from this day forward. I am not responsible for a fraudulent account. I was told to email XXXX to continue with my claim. I am doing that. The letter was not necessary. And I called in on my own inquiring.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number, name and birthday. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$17000.00}
Product: Checking or savings account

I was part of one of thousand of people that had an account with wells fargo from XXXX. I closed my account due to the state i moved in did not have wells fargo available. I never got notified about the settlement might be cause i had close my account when I moved to a different state.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account is missing or not being reported on my credit report, from XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Provided FTC Reports yet company is biased refusing to remove the fraudulent item from my consumer report
Product: Checking or savings account

Bank of America has charged my account XXXX dollars for an items that I told the bank were incorrect. 

I offered to send pictures of the defected/incorrect products but the bank never wanted to see the pictures. 

I wanted to show what the company advertised is not want I received -the bank did not allow me to do so. 

In fact, I was advised I would hear back from the bank in reference to my claim and I never heard one word. 

I checked my account today and the claim has been closed without any follow up with myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018, Inquiry Date Inquire Name Chase Card Business Type Bank Credit Cards Contact Information XXXX XXXX XXXX, XXXX, DE XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

For well over a year, I am unable to log into myequifax.com to manage a security freeze or lock, view my report, or get any access to my information. I have called called Equifax regarding this issue and was placed on hold while they attempted to resolve. Never got fixed. I am concerned about my own access to my credit report that I monitor diligently and what is by law information I should be able to secure and view.
Product: Credit card or prepaid card

Long story short, my wife 's identity was stolen and we've been dealing with the shrapnel over the last couple months. Took all the normal steps ( locked her credit, changed login info, etc ... ) Fast forward to this morning, I see our CC balance has jumped up to {$2600.00} overnight. We never carry a balance and I know for a fact that it was XXXX the day prior ( I've been logging in and monitoring daily since this happened ). Upon further investigation I see an " ACH payment refund '' that posted last night. I called BOA and spoke to someone in their fraud department and was told that " my wife '' called and explained that she made the last payment in error, and requested the amount of her last payment be refunded to an account @ XXXX XXXX I see where this bank is connected to the cash app. 

The BOA rep had NO answers as to how this was allowed to happen.
Product: Debt collection

Our home went into foreclosure in  XXXX  after the economic crash in  XXXX . We Had an  80/20  loan orignally with  XXXX   XXXX  Mortgage. Which then had  XXXX   XXXX  Mortgage  XXXX   XXXX  till we went into foreclosure in  XXXX .  XXXX   XXXX  mortgage then changed to  XXXX   XXXX  in  XXXX   XXXX  according to information provided from internet. On our credit report it demonstrated that  XXXX   XXXX  charged off both loans (  XXXX , and  XXXX  ) with last report date of  XXXX , and stated last activity in  XXXX . We then started receiving information from Real Time Resolutions attempting to collect a debt that has been already charged off and closed. They have been inaccureatley reporting to credit berueas and state that the account was opened  XXXX  and is currently still reporting with last report date of  XXXX . But it does not show any last activity date. This is inaccurate information, and we are demanding that this be removed from our credit reports. They have enabled us from moving forward into being able to become  2nd time home buyers. There is also a recent class act lawsuit against Real Time Resolutions.
Product: Student loan

I am working with  XXXX ,  XXXX   XXXX  and   XXXX   XXXX   XXXX   XXXX   to help me with my debt management. We applied for student loan consolidation, including loans defaulted and in collections. They consolidated several but it appears that the ones that are in collections were not rolled into the consolidation.     I am making a genuine effort to repay these loans and clean up my credit rating but there is over  XXXX  a month being garnished from my wages, which I am unable to afford and meet my other obligations.     My debt counselors and myself feel that these defaulted loans should have been included in the re-consolidation to help me get a fresh start.     I would greatly appreciate any assistance you could provide.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC1681 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, XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX, XXXX and Experian are financial institutions 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. '' The financial institution and the Consumer reporting agencies XXXX, Experian 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, Experian and XXXX 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 partyunless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX, Experian and XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' These 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, XXXX Experian 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 have already opted out of reporting services and have put a freeze on all of my accounts. XXXX XXXX XXXX. Without Recourse. Without Prejudice. All Rights Reserved.
Product: Student loan

I have consolidated loans from the Department of Education. My servicer is Mohela. I was placed on forbearance without interest per the pending lawsuit regarding the SAVE plan. 

I received a letter from Mohela today, XX/XX/year>, indicating interest was accruing on my account. It appears to reflect this on studentaid.gov.

This is an illegal action since the plan is in legal limbo.
Product: Credit card

I was called and offered a credit card at No Intrest For EVER if I transfered my balance from another card. I didn't believe it and turned them down MULTIPLE Times Before I call the company and inquired if this was true. They Assured me MULTIPLE TIMES IT WAS TRUE. Now I find it was an outright lie and I am about to begin incurring intrest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted paperwork to Equifax, XXXX, and XXXX on XX/XX/2021 and I have yet to get a response stating the findings of the investigation into my credit report. The fact that this situation has my future on hold is frustrating. I need them to do their job and ensure my report is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, My name is XXXX XXXX and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit card or prepaid card

On XXXX XXXX 2020 My friend purchased 2 VISA VENILA GIFT CARDS From XXXX XXXX  in XXXX XXXX XXXX California each card for {$500.00} total of {$1000.00}. 
For a month due to covid in left the cards in my purse at home, on XX/XX/XXXX I decided to use the cards, opened the packets and took the cards out tried to use them, Both cards where used to the max without ever been taken out of the packet. 
I contacted Vanilla Visa card customer service 1- a case was filed and I was promised to receive a dispute package by email within a day. I called after 2 days same promises now had to wait for another 3 days and again I called same story but no dispute package. 
Then on XX/XX/XXXX they claimed that there was no case at all after 47 minutes hold they hung up on me and upon my second call I was told their system is down Today XX/XX/XXXX I called and a supervisor got on the call after22 minutes of holding and Informed me that he can see my call logs but he needs to start the case again. 
It is obvious to me that they are using this tactic so I will disappear and problems will go away. I will not go away please help me with getting this issue solved
Product: Student loan

My student loans were recently in an in-school forbearance that ended in XX/XX/2021. Around XX/XX/2021, I made several phone calls to Discover Student Loans regarding financial hardship affecting my ability to repay these student loans as my in-school forbearance was close to ending. At that time, a Discover representative told me that as an option to help, they could offer me an interest only payment plan for up to a year if I was still suffering financial hardships. 

Upon my loan forbearance expiring, I made several phone calls around XXXX 2021 to request an interest only payment option on my account and the representative refused to honor this. I am suffering a financial hardship at this time as I am working full time but only earning minimum wage. I can not afford these monthly payments at this time.
Product: Credit reporting or other personal consumer reports

Dear XXXX, XXXX, and Transunion, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to make sure that you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. Please delete the following inaccurate names : XXXX needs to be spelled with an ( " ) = XXXX, as shown on my Birth Certificate. I have no " also known as '' names. Please delete the following inaccurate addresses : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX The ONLY address that should be reporting is XXXX XXXX XXXX, XXXX, XXXX XXXX Please delete the following inaccurate employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The ONLY employer that should be reported is " XXXX XXXX XXXX XXXX XXXXXXXX By reporting these inaccuracies you violate 15 U.S.C 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates. XXXX, XXXX, and Transunion have in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, or written instructions to do so. These actions have caused my family and me a great deal of injury. Furthermore, I am filing this consumer complaint and consumer check for compliance with these particular items that you are reporting under FACTA Title 1 sec. 15
Product: Debt collection

Never received any type of notification of this debt or I would have paid it. this debt should never have gone to collection. I never received any statement from XXXX XXXX ( in fact have never heard of them ) and never received a statement from XXXX XXXX either
Product: Checking or savings account

Third party company that caused XXXX XXXX, my bank, not to process my payroll deposit on XXXX XX/XX/year>.
Product: Credit reporting or other personal consumer reports

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Credit reporting

I 've repeatedly requested investigation of a bankruptcy being reported on my credit report by Experian, XXXX and XXXX. This information is being provided by a third party and not a creditor. This information is not being reported by the courts, and should not appear on my report. I 've asked the bureau to stop reporting this information because the court is not a creditor, and they have not provided the credit reporting agencies with any information. I would like the credit reporting agencies to remove this information from my credit file permanently.