23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Northpoint Mortgage pulled my credit without consent. I specified that I did not want to start an application, and they started an application and pulled my credit regardless. 

When trying to resolve this with Northpoint, they claim that I did in fact consent to both an application and a credit pull. When I asked for proof of this ( for I knew it was inaccurate ) they could not provide any and stated that they do not record their calls.
Product: Student loan

PHEAA changed the interest rate on 2 loans back in XXXX of 2023 to the following : XXXX at 8 % and XXXX at 7.99 %. 

Then only a few months later effective XXXX of 2023, the following interest rate modification was made : XXXX at 8.5 % Keep in mind also that PHEAA failed to alert me of the change until after it went into effect, which is extremely concerning. This will be another complaint filed with several different agencies who oversee PHEAA 's operating capabilities. 

PHEAA/AES are doing this because I keep submitting complaints against their XXXX and they are trying to essentially get back at me for doing so. They will respond to this complaint and claim that it has something to do with periodic variable interest rate changes, but I find it convenient that because the amount of complaints have increased over 2023 that there have been 2 interest rate changes that favors PHEAA and in such a short time span. PHEAA discriminates against borrowers in all capacities. If a borrower makes a complaint, PHEAA uses that as a means to find and establish retribution.
Product: Credit card or prepaid card

My husband I were in XXXX XXXX on vacation from XXXX XXXX XXXX. On XX/XX/2021, I purchased a ring at a Jewlery store ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$300.00} using my Chase freedom credit card. The merchant took my credit card and scanned it for the transaction. When we arrived home, I noticed a charge of {$1500.00} on my credit card from a merchant in XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX This charge was shown it was done at the same time I purchased the ring from the jeweler in XXXX XXXX. I did not purchase this item ; it was a fraudulent charge. Also proving that I could not be in two places at once. The statement provided by the merchant to the Chase credit card company showed a fraudulent signature. Chase stated that it was a valid purchase, which it was not. Chase has denied my fraudulent claim. They have requested that I submit a written letter of dispute, which I will provide to Chase. I requested the phone number/address of the company that did the fraudulent charge, but there was no information, so unable to contact the fraudulent merchant. I want to get this resolved ; it has been devastating to me to be a victim of fraud.
Product: Credit reporting or other personal consumer reports

This complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, and Experian credit reporting agency , to block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Secured loan at XXXX XXXX on XX/XX/XXXX under the account number ( private ), And that resulted in collections with a balance of {$2300.00}, and a personal line of credit account opened at XXXX XXXX  on XXXX. XXXX, XXXX under account number ( private ) and that resulted in collections with a balance of {$360.00} ( private ) that appears related to the aforementioned personal line of credit account opened at XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I had all my money in chime accounts and they closed my accounts with no warning. They seized all money in my accounts. They are refusing to refund my money.
Product: Credit reporting or other personal consumer reports

As a loan servicer, XXXX is responsible for ensuring they have the correct contact details for their borrowers. If they had outdated information, they should have made proactive attempts to update it especially before marking accounts delinquent and reporting to credit bureaus. Servicers must notify borrowers before making significant changes to their accounts, such as transitioning out of forbearance. This is not just a best practice-it is an obligation under consumer protection laws that require lenders to act in good faith and provide borrowers with a fair opportunity to respond before taking negative credit actions! - When I requested a retroactive forbearance, which would have corrected the issue, XXXX refused, placing the full burden on me to check my account. However, borrowers should not have to constantly monitor their loans this RIGHT HERE service negligence we shouldve been notified in a timely manner which wasnt done, This refusal to correct their mistake is unfair and further harms borrowers who had no way of knowing my personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt. In a court of law that is a breach of privacy my personal and financial information Upon reviewing my records, I have identified discrepancies/misuse of my educational information, I am requesting removal and deletion of any and all student loans from my report if this matter is not resolved, I am prepared to escalate my complaint to the U.S.Department of Education 's Federal Student Aid Office and file a FERPA complaint with the Family Policy Compliance Office ( FPCO ).
Product: Debt collection

According to the FCRA convergent account # XXXX has violated my rights. 

FCRA section 605 B. It is illegal to report information on my credit report without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting an account on my credit. report that i do not recognize ... I ve sent 4 letters to all of. the bureau to verify/validate this account, XXXX was not able to verify/validate this debt and deleted it from my credit report ... .How have XXXX and experian been. able to verify/validate this account if XXXX could not? they. have yet to send me a signed copy of this so called contract ... .Arent experian and XXXX  supposed to follow suite as this can not be verified/validated? i need this deleted immediately or i will be contacting the state attorney as well as a cfpb attorney
Product: Credit reporting or other personal consumer reports

I am writing in response to your notice about an alleged debt collection. ( XXXX XXXX XXXX  ) Before I can confirm or dispute this debt, I am formally requesting additional documentation under the Fair Debt Collection Practices Act. 
Please provide the following within 30 days : A copy of the original signed purchase agreement, contract, or other documents showing that I entered into this debt voluntarily and that you are the legal owner of this debt. 
A full accounting of the debt, including the original creditor, the amount owed, interest rate, fees, payment history, and the date you acquired this debt. 
Your license and credentials to collect debts in XXXX. 
Written notice of my rights to dispute the validity of this debt within 30 days under the FDCPA. 
I expect this requested information to be provided in full before I can respond further on this alleged debt. Please send physical copies of all documents to my address above. I look forward to your response within 30 days as required by law. 
Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made a complaint about not being able to access my XXXX  credit report online. In response, today, I received in the U.S. Mail, from " XXXX XXXX  XXXX  XXXX, a paper form to order any of my credit reports THROUGH THE MAIL. This form requires LESS information that what is required online. Why do I have to risk sending this paper form with all my identity theft information through the mail, and wait 15 days, when it is, by law, supposed to be available to me ONLINE? That's a rhetorical question. I'm NOT going to send this form in. I expect all of the credit reporting companies to have functioning software and websites so I can access my " free '' credit report ONLINE. As a result of complaining to YOU, all I've got was this XXXX response by the XXXX XXXX  XXXX  XXXX, probably staffed by leftovers from that XXXX Trump, AND solicitations to BUY my online credit information from TransUnion. At what point am I going to be able to get my credit reports ONLINE and get corrections made ONLINE? That seems a LOT more efficient than having me spend hours online only to find out that these predatory for-profit XXXX are NOT REALLY giving weekly free credit reports online ; it seems a LOT more efficient than requiring me to send in a weekly, paper, request via U.S. Mail. All three of these for-profit credit bureaus need to be sued BY YOU and fined for fraud. XXXX and these three credit reporting companies are ONLY using their online presence to try to SELL stuff to consumers and they are doing that by REFUSING to make these credit reports available ONLINE. Even when I've been able to get a credit report, those reports are incomplete - they **** the last four digits of MY accounts, old and new and I can't identify accounts without that. And, so far, each of my credit reports has either missing or incorrect information - but I can't dispute it online, because, " sorry, but our website is down now ( always ) ''.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill is legal obligation on the the fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation on dispute information on my credit report leaving inaccurate or unbearable information unresolved the Consumer Finance Protection Bureau Bureau ( CFPB ) has recently filed a lawsuit against experian alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where experian has either corrected nor removed disputed items the evidence I provided causing ongoing harm to my credit standing. I am requesting immediately corrective action to remove or amend the disputed accounts as experians inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

I had discovered that I had several fraudulent charges across many of my financial accounts. So I decided that I needed to review all of accounts for accuracy. It was that I had discovered on my Apple credit card that I had a total of seven fraudulent transactions that are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once this was discovered Apple Card services were contacted. I also filed with identity theft and put extended fraud alerts on my credit reports. I had several fraudulent transactions from the merchant turo that I had to report. Every single one of my financial institutions impacted with transactions from this merchant were all found to be fraudulent. That is except Apple Card services, who stated that there wasnt any fraud. 
I am including with this statement, a copy of communication between myself and the merchant turo. This company is a peer lending car rental service. However, before use, you must be approved. This process requires assessing all of your legal identifying information and background checks. As in the document I provided, it reflects that in XXXX of XXXX  I requested an account with the merchant XXXX, that I was subsequently denied. Therefore, all the transactions post XXXX with XXXX were fraudulent as I wasnt even able to access and utilize any services that they provide.
Product: Debt collection

Porfolio Recovery Associates have been harassing me via my cell phone. I 've sent certified mail with signature requesting VARIFICATION and have n't received anything in return. I have also disputed this through all three credit bureaus and they 've all writing back saying this account has been verified without any back-up document.
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 : XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX : XXXX, XXXX XXXX XXXX : 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 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: Credit reporting, credit repair services, or other personal consumer reports

Recently my credit application was dismissed, and the online credit report that I recently recieved, your credit bureau issued the report that was used to determine my credit evaluation. 

Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting.

In addition if you cant obtain this info you are required to delete this information off of my Credit report I reviewed a copy of my credit report and am disputing all items that need to be deleted. I have accounts listed that are not accurate, they are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX. 
Reason for Deletion My credit application was denied : when I reviewed my credit history I notice there were no details and I have no documentation or paperwork of ever doing business with the above companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a car loan. XXXX  XXXX XXXX told the dealership they couldn't get a credit report because of a freeze on my account. XXXX XXXX has no freeze. XXXX  has no freeze. I don't know when or why there is a freeze. I did not put it on. When I spoke to Experian customer service ( impossible to get a person ), they told me the federal government put a freeze on my credit on XX/XX/21. First off, how is this possible without my knowledge? It is a violation of my privacy and civil rights to do that without my knowledge or consent. Customer service rep at your agency told me to write this complaint. I demand to know who put the freeze on my account and why? I will pursue legal action if needed. XXXX. 
XXXX XXXX
Product: Money transfers

i added a credit card from XXXX XXXX to my paypal account to pay for services i charged to paypal, including lyft and uber. i had previously used a bank account from XXXX XXXX XXXX to pay for paypal charges. without notifying me that the XXXX card was not used, paypal charged XXXX XXXX XXXX approximately {$34.00} in expenses from XXXX and XXXX and i believe XXXX. XXXX XXXX XXXX returned the payments. paypal repeatedly billed these expenses to XXXX XXXX XXXX without notifying me, and as a result i incurred upwards of {$700.00} in overdraft fees. ( to add context, i learned during this time period that my father has XXXX, and i have been distraught, i do n't just not check my bank accounts as a matter of course ) i asked paypal for a letter to explain the situation to XXXX XXXX XXXX, which they provided, and i furnished that letter to XXXX XXXX XXXX, but XXXX declined to refund the overdraft fees to me. i feel that i have been swindled, as I was charged over {$700.00} in fees for less than {$40.00} in overdraft. were this a loan, it would be usury.
Product: Checking or savings account

my XXXX package was stolen and I filed a police report contacted XXXX and disputed it with my bank and XXXX said I would be refunded through my bank, but my bank denied the claim even when I sent in emails and the police chime also failed to provide any documents, used in dispute and has handled this completely wrong
Product: Debt collection

MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX VALIDATION AND PROOF OF CLAIM IS STILL REJECTED WILLFUL NONCOMPLIANCE Violation 1. ) trying to collect a charge off you dont have legal rights too.

2. ) Furnishing deceptive forms.

3. ) False and misleading representation Collection of extensions of credit by extortionate.

4. ) Violate my right to privacy.

5. ) Sharing non-public personal information.

6. ) Willful noncompliance.

7. ) I would like to see the bill of sales and any documentation how account transitioned 12 CFR part 1016.7 And I am now exercising my right to opt out!

To Whom it May Concern Last and final warning before I get my legal team involved. Your company is in direct violation of the FDCPA, TAX Regulations, PRIVACY ACT OF 1974 and the FCRA. I've exercised my right in the letter Ive sent your company by mail as well online. 15 usc 1692 ( A ) ( C ) Communication in connection with a debt collection. ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

The Definition of the word Communication ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
This report is a form of communication, your company is using XXXX, XXXX and XXXX as a medium to communicate to me about a debt I dont owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

FOR THE PAST FEW MONTHS I HAVE BEEN SENDING MY IDENTITY THEFT REPORT TO EQUIFAX TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. WHAT I DON'T UNDERSTAND WHY EQUIFAX IS THE ONLY COMPANY WHO REFUSES TO REMOVE THE SAME FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. XXXX  AND XXXX XXXX WERE AVBLE TO REMOVE IT MONTHS AGO AND EQUIFAX CAN'T VARIFY THE ACCOUNT. AT THIS POINT I AM NOT REALLY SURE IF EQUIFAX IS CREATING THIS FRAUDULENT ACCOUNT ON THEIR OWN. I HAVE GIVEN THEM THE CIVIL CODES WHICH STATES THAT THE ACCOUNT NEEDS TO BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX falsely reported me to the all three credit bureaus during a disaster relief period and post disaster relief period. First in XX/XX/XXXX I requested an extension. I was granted a one month extension which ended up being a one month suppression of credit bureau reporting and payment due ( was not my understanding and I am in the XXXX ). After this was straightened out, I brought the account current at the end of last year. My XXXX payment was returned illegible. This illegible payment took three weeks to be returned to me, no phone call. XX/XX/XXXX, I make both payments as soon as I was notified. All payments for XX/XX/XXXXhave been made on time and verified by XXXX XXXX this morning, however, I have a letter and copy of the credit bureau showing they have reported me 30 days behind XXXX throughXX/XX/XXXX ( Completely incorrect ).
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>