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

I am submitting this complaint to formally request the removal of fraudulent inquiries from my credit reports. I ask that the three credit bureaus conduct a removal procedure as mandated by law. Below is a list of the fraudulent inquiries that need to be addressed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TU # 6 XX/XX/XXXX file complaint TU # 5 XX/XX/XXXX sent, XX/XX/XXXX response dated XX/XX/XXXX - no changes TU # 4 XX/XX/XXXX sent, response, dated XX/XX/XXXX - deleted XXXX XXXX, no other changes TU # 3 XX/XX/XXXXsent, response, dated XX/XX/XXXX - no changes TU # 2XX/XX/XXXX sent, XX/XX/XXXX no response TU # 1 XX/XX/XXXX sent, XX/XX/XXXXresponse
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax, XXXX, and XXXX for violating my rights under the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). Despite FERPAs protections under 20 USC 1232g ( b ), my student loans have been included in my credit report without my consent. Additionally, all charged-off accounts should be marked as " paid as agreed, '' as a charge-off is considered a certificate of indebtedness and should not be reported as an owed debt. The agencies have failed to comply with 15 USC 1681e, which mandates the maintenance of reasonable procedures for accuracy and privacy, as well as 15 USC 1681 section 602 ( a ), which emphasizes fairness, impartiality, and respect for consumer privacy. Furthermore, 15 USC 6801 reinforces this right by mandating that financial institutions respect the privacy of their customers. My XXXX XXXX bankruptcy was reported without my authorization, in violation of 15 USC 1681 section 604 ( a ) ( 2 ) and 15 USC 6802 ( b ) ( c ), which require consumer consent and proper notification of nondisclosure options. I did not grant consent to any reporting by these agencies or the creditors mentioned, and I was not informed of my right to opt-out. I am formally opting out of all reporting services that disclose information to nonaffiliated third parties without my consent. Moving forward, I expect a privacy notice before any additional information is furnished on my consumer report. Immediate action is required : ( 1 ) cease and desist from reporting any information regarding my student loans or bankruptcy to any credit reporting agency, ( 2 ) correct all inaccuracies in my credit report and ensure that all charged-off accounts are marked as " paid as agreed, '' and ( 3 ) provide written confirmation of compliance with these demands within 15 days.
Product: Credit reporting or other personal consumer reports

I have been working with Lexington Law firm for years they were taking money out of my account for years and never fixed my credit nor did anyone want to speak with me. I have always followed up with them I have yet to get a response.
Product: Checking or savings account

On XX/XX/XXXX I got an eviction notice because I am three months  late on my rent. {$5100.00} was due by XX/XX/XXXX or I was out on the street. 

Panicked I went to a title loan company and took out a loan with 300 % interest to pay the rent. The loan was for {$3500.00}. I also borrowed {$2000.00} from a friend to cover the rent check. When I deposited the check I was told I could have {$200.00} from the deposited check the next day but the rest would not be available until XX/XX/XXXX. the landlords check will bounce if the {$3500.00} does not clear. 
In addition I am paying {$35.00} a day in interest fees while WF holds on to my money. 
That is {$35.00} a day x 10 days and another {$350.00} owed to the title company. 
I will be evicted by early next week and I am about to lose my car due to WF 's predatory actions.
Product: Checking or savings account

On XX/XX/year> their system was updating til XXXX but I dont know til I called. My account would not login me in was saying in correct password and I have biometric login saved. I couldnt make transactions neither so I start calling. Tried resetting my password also scanning my card and entering last digit of social system said no match. Called they will not use my social or any other information I have because I dont know my account number by hard I even ask to verify my transactions. I have money in my account n they dont have any location in the area where I live. The workers have attitudes hang up the phone in my face and will not let me use any way to get in my account without an account number my funds are locked up and I have no access.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received notification that I had a new collection on my TransUnion report. The account was from the Department of Veterans Affairs, from an educational benefits payment from XX/XX/XXXX. The original account was paid in full but TransUnion was still reporting it as a " charge-off/closed '' account & added it a collection, even after I paid it off.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2022, I made online international wire-transfer via Citibank, XXXX XXXX XXXX CA XXXX XXXX XXXX for the amount of equivalent {$520.00}. After 7 days, the Beneficiary hadn't received the money, I then called Citibank wire-transfer department to cancel the transaction, and withdrew the money. 
Since then I called Citibank wire-transfer department almost every other day, the answers were that the money was withhold by the receiving Bank, they couldn't do anything, while as a matter of fact, the receiving Bank in XXXX informed the beneficiary that they di n't received the transfer. 
On XXXX XXXX, I called Citibank wire-transfer department, and the customer service informed that due to the descrepancy on the XXXX code, the receiving Bank could credit the transfer to the XXXX account. 
On XXXX XXXX, I called Citibank wire-transfer department again, the customer service informed that the receiving Bank had returned the fund back to CitibankXXXX. 
I keep calling the Citibank transfer department, asking them when the fund will be returned back to my Citibank account, their answers were always saying that they are still escalating the fund to be converted from XXXX currency to USD currency. 
Up till today XXXX XXXX, 2022, I still haven't received the fund back. 
I do hope CFPB will help me to solve this problem, and hope that no further victims like me in future.
Product: Mortgage

I originally bought this house through XXXX, which was sold to XXXX XXXX XXXX. Now it is owned by Shellpoint mortgage. On or about XX/XX/2015 I called shellpoint mortgage to tell them I had just gotten out of XXXX, and was 3 months late on mortgage payments. I asked if they could tack it onto the end of the loan because I had no way of catching up on the 3 months due to my XXXX and the recent divorce. They told me I could do a loan modification. After about 10 months of working on this loan modification, I started getting getting threating letters from shellpoint and contacted my congresswoman XXXX XXXX. After getting a person from XXXX ( XXXX XXXX ) to call shellpoint, she got it under control again and we were going to do the loan mod with another person at shellpoint. I was happy to get another person. XXXX XXXX took over the loan modification, after about a month of sending in all the paperwork in for the umteenth time, she said it was all there and off to the underwriters for a decision, she said it will take approximately 30 days. I left messages for XXXX XXXX for 3 weeks every day to have her call me, she would not call me. I told XXXX XXXX that I would not deal with anyone but her, so everyone but her called me everyday, and everyday they called I told them to let me talk to the loan modification officer XXXX XXXX. Since that time shellpoint will not accept money from me and they will be trying to foreclose on me and that was almost 3 months ago when the loan modification should have been approved or denied. 
Friday I was sent a letter from shellpoint that says " notice of default and intent to accelerate '' To top all this off they are asking for all monies to be paid in full, well I still do not have the 3 months that I was behind, but I still have the money they have been sending back to me.
Product: Credit reporting or other personal consumer reports

My credit report contains mixed data and incorrect personal information, which has led to the appearance of unknown accounts and transactions that have nothing to do with me. Ive noticed this issue multiple times, and its causing unnecessary stress and frustration. This is not a minor mistakeits negatively affecting my financial and mental health, and I need it corrected immediately.
Product: Debt collection

I received multiple letters from Convergent Outsoucing asking me to pay a debt from a company ( XXXX ) with whom I have never done any business. Convergent stated that if I paid the debt, they would be willing to satisfy your account in full for 65 % of your total balance. I assumed it was a scam with the first letter ( and destroyed it ). With the second letter I contacted convergent but they kept passing me from one operator to another with long wait times between. No one would address me with the issue.
Product: Debt collection

XXXX, XXXX XXXX XXXX got a wage garnishment against me for {$10000.00} for a debt that is not mine from XXXX. XXXX & XXXX claim that I owe this debt. The debt is from a credit card company called XXXX. They went out of business in XXXX, picked up the debt in XXXX and sued me then XXXX XXXX in XXXX. I have never heard of Unifund, nor have I ever been served with a Subpoena to appear in court. Unifund hired XXXX, XXXX XXXX XXXX a debt collector, I don't know when. I'm guessing in XXXX. XXXX & XXXX say they served me a subpoena in XXXX, which is a bold face lie. I have NEVER been served with a subpoena of any kind, from anyone. Now zoom to XXXX XXXX & XXXX have gotten a wage garnishment against me for almost. I called them to see if they would take less, or get some kind of payment just to get this over with. I first offered {$1000.00}, the {$2000.00}. She said that they want {$11000.00} now. What happening here, in order for me to get out of this debt, that is not mine, I'm being forced to file for bankruptcy. That's not right. I've spent the last 9 years building my credit, from a score of XXXX, to a score of XXXX. For 9 years I have never heard hide nor hair from XXXX, XXXX XXXX XXXX. Not a word. Now this. They want more money now, than what the garnishment is. At 29.99 % interest. There is absolutely no way for anyone to pay that off. I bring home {$1500.00} a month. And I am at my witts end. Nor do I want to file for bankruptcy. I don't know what else to do. They are trying to ruin my life. I'm XXXX, and I don't know who to turn to, but you. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting the company for a signed affidavit for months now that is required to file a police report and no one seems to be helping me.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information.Together with the Fair Debt Collection Practices Act, by the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau, and private litigants.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$3500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3500.00} -This is not my account.
Product: Credit card or prepaid card

In XXXX, XXXX and XXXX JPMCB Card put late payments on my account. This was an auto bill pay issue and the bank recognized this on their end. They informed me that they were having issues with their autopay and that they will correct the issues but they haven't. I just checked my credit score last month and it now shows on all 3 credit reports and has greatly lowered my score.
Product: Debt collection

Payment arrangements were made for a XXXX account that was wrongfully sent to collection agency ( Convergent Outsourcing ) for the XXXX of XXXX and XXXX ( see attached bill notice password " XXXX '' ). 

Representative XXXX XXXX took it upon himself to process the payment early without my permission ; withdrawing {$380.00} from my account unauthorized.
Product: Debt collection

After the car was returned to Volkswagen back in 2012 we received a letter stating that we owned nothing on the account at all. We have no idea why we are receiving collection attempts on a fraudulent amount and we would like for this to stop immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items being incorrectly reported on my credit report, related to inquiries that I do not recognize. I have contacted the companies directly, and have been told that they are unable to assist. Not only are the inquiries unfamiliar, they are inconsistent. Please see a list below : 1. XXXX XXXX XX/XX/XXXX 2.  XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX  XX/XX/XXXX 5. XXXX XXXX  XX/XX/XXXX 6. XXXX XXXXXXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XXXX XX/XX/XXXX 15. XXXX XXXX  XX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX 17. XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a current copy of my credit report and show incorrect information listed. Account name is XXXX XXXX account number is XXXX. This account has never been paid late and is reporting late payments on account and I attempted to have account reviewd with no reply and past more that 98 days. Please delete this account.
Product: Debt collection

I recently looked at my credit report and saw this company Credit Collection Services reporting a account. Funny thing is I have no clue who they are and don't owe them any money. I am filing a complaint against them demanding to see a contract I signed and proof I owe them. I demand they cease any and all contact with me and their reporting of this damaging info to third parties. I want this account DELETED from my credit reports now. This company has violated so many laws under the FDCPA and I plan on holding them liable as far as court if I need to. Credit Collection Services violated the FDCPA by not providing me with a notification before reporting the collection account to a credit reporting agency. The FDCPA requires debt collectors to provide consumers with a written notice within five days of their initial communication, which must include : The amount of the debt The name of the creditor to whom the debt is owed A statement informing you that you have 30 days to dispute the validity of the debt A statement informing you that if you dispute the debt, the debt collector must provide verification of the debt In addition, the FDCPA requires debt collectors to provide validation of a debt if a consumer disputes the debt within 30 days of receiving the initial notice. I expect a speedy response
Product: Credit reporting or other personal consumer reports

I have unauthorized and unrecognizable hard inquiries on my report from companies that I never gave consent to run my credit.The inquires thats unrecognizable and unauthorized happened on XXXX XXXX and XXXX XXXXFour companies did it on XXXX XXXX and one company did it on XXXX XXXX.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report via XXXX XXXX, I noticed credit inquiries that I did not authorize. Made by the following companies : XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address serious concerns regarding the handling of my personal informationbyyouragencyandtoformallyrevokeanyconsentrelatedtothesharingor reporting of my personal data. 
Under the Fair Credit Reporting Act ( 15U.S.C.1681 ), consumer reporting agencies like [ XXXXTransUnion ] are required to exercise their responsibilities with fairness, impartiality, and respect for consumers rightstoprivacy.Furthermore,15 U.S.C.1681Section604 ( a ) ( 2 ) states that consumer reports may only be furnished with the written instructions of the consumer. I have not provided any written consent for my information to be shared or reported, and I hereby revoke any prior consentwhether verbal, written, implied, or otherwise. 
Additionally, under15U.S.C.1681c ( a ) ( 5 ), adverse information that is older than seven years ( unless related to criminal convictions ) may not legally be included in consumer reports. If your agency is reporting any such outdated or adverse information about me, I demand its immediate removal. 
Finally, under15U.S.C.1681e, youragencyisobligatedtomaintainreasonable procedures to avoid violations of the law and ensure that consumer reports are used only for lawful purposes. Your compliance with these requirements appears to be insufficient in my case.

I am therefore requesting the following actions : 1. Stop all reporting of my personal and financial information without my explicit, written consent.

2. Immediately review and correct any inaccuracies and remove adverse information that violates federal law.

3.Provide written confirmation that these actions have been taken and my information is no longer being improperly reported or shared.
Product: Debt collection

I have tried to dispute a credit card that was opened and used in my name in the amount of XXXX. This account recently sold my personal information to another creditor
Product: Mortgage

Chase has not helped us in the proper way. They did not follow the XXXX programs which I clearly qualified for. I checked the XXXX calculator with many other Real Estate, Banks, and Finance companies and they all told me the same. Chase should of tried to help me by reducing my APR ( Annual Percentage Rate ) from what I had for years of 5.625 % to 2 %. They basically have just given me an internal XXXX XXXX Modification that it 's meant for me to fail twice. XXXX in XXXX and the other in XXXX. I was on XXXX for the past 2 years and they placed me on a trial payment under {$1500.00} and all of a sudden they set me up on a payment of {$2100.00}. Please review all the documents and let me know what you can do. This has gone on for more than 5 years. I do not want to loose my home. I have sold most of my belongings and borrowed money to keep up with my bills and payments. Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to know : 1. several years ago the highest credit score was XXXX, now its XXXX 2. how is this possible?

3. who gives these credit companies the right to up the scores at will 4. This has created millions of people that are now in a lower bracket and as such, now must pay more for credit!

This is a violation of law under the Rico act, as these companies are aiding major corporations to increase profits and they are doing it for increased income for themselves.
Product: Credit reporting or other personal consumer reports

PLEASE DELETE BANKRUPTCY FROM CREDIT DUE TO VIOLATING MY RIGHTS Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here..

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting TheCongressmakes the following findings : ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy.

Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a )
In generaL Anypersonwho willfully fails to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by theconsumeras a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In generalAnypersonwho is negligent in failing to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) any actual damages sustained by theconsumeras a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer reportor i will seek monetary damages in small claims court in my city and state. Also i already sent this letter to theConsumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX andFederal Trade Commission. 

PLEASE DELETE BANKRUPTCY FROM CREDIT DUE TO VIOLATING MY RIGHTS.