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

I was recently denied credit and other things from company 's because the misuse of my credit report and for them not disclosing my rights for certain actions and taking actions without my consent I sent my letter t o fix the problem on XX/XX/2023 they have committed fraud and for that I couldn't get the securities I needed for me and my family that caused a great affect in my life
Product: Debt collection

Hello! 

I have a listing from UNIFUND, LLC on my credit report. I have asked for verification of the debt via mail and fax multiple times since XX/XX/XXXX and even from earlier in XXXX with the help of a credit repair company. I have the receipts for the most recent attempt to attach. They have failed to respond to my requests and they continue to report on all of my credit reports. They have failed to provide any proof that I owe this debt - including a signature or written contract. 

The debt they are claiming that I owe is already listed on my credit report - so they are " double dipping. '' I'm looking for assistance with this company because they fail to respond to reasonable requests to verify that I actually owe a debt to them.
Product: Credit reporting or other personal consumer reports

I am formally requesting an updated consumer disclosure file be sent after the updates that have been made to my file with the deletion of the XXXX XXXX XXXX account that they reported as as of XXXX XXXX XXXX, Please see the attached Consumer report that displays this information. I would also like to know what date this information was removed from your system.
Product: Debt collection

XX/XX/2023 XXXX I received a call from First National Bank . I was initially told that she was a debt collector, and then she said she worked for the bank in the collections department. She then informed me that I was late to pay my auto loan payoff amount and I owed additional late charges as well. I disputed the debt and her response was that I did in fact agree to the terms. I then asked if she had my contract in front of her. She said no, but its a standard contract and if I dont pay, my credit report would continue to be affected negatively. I then asked for a copy of the agreement. The response given was that I had to come down to the bank and ask for it. I replied by telling her to mail me a copy, she said something along the lines of thats not how it works needless to say, I never received the agreement. Only more Loan Payoff statements and Past Due notices.
Product: Credit reporting or other personal consumer reports

YOUR COMPLAINT I requested XXXX XXXX XXXX immediately remove all reported late payments from my credit report as stated in 15 usc. 1681 ( a ) no transactions or experience between the consumer and creditor to be reported and furnished on my credit report. This is against federal law which over ride any company policy. Also the information on the late payments is inaccurate different lasts payment date
Product: Credit reporting, credit repair services, or other personal consumer reports

i called all the 3 credit beauros and tried to remove credit inquires that were made using my identity. i have been a victim of fraude and sent them police reports and they never removed the credit inquires and 1 of my accounts on XXXX for a car loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ACCOUNTS BELOW XXXX  XXXX XXXX/ XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX XXXX  / XXXX XXXX XXXX XXXX XXXX IL account number : XXXX XXXX. XXXX, XXXX account number : XXXX, ALL 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 Delete the accounts
Product: Debt collection

The Collection Company : AFNIXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXXTelephone : XXXX calling and sending collection bills to my house for a debt they said I owe to XXXX They are collecting {$4400.00}. 
I do not owe any money to XXXX XXXX XXXX, I have never had business with XXXX XXXX XXXX, and I want that AFNI company to stop their attends for collection. 
I recently returned a bill to AFNI and told then that I do not owe money to XXXX XXXX XXXX, and to fix the delinquency report they submitted to the Credit Report Companies ( XXXX ). 

The situation is that around XXXX 2013, someone made business with XXXX XXXX XXXX and probably under my name. Then around XXXX 2013 a debt collector made a delinquency report to the Credit Report Companies ( XXXX, etc ). I called the collector company and told that I do not owe any money to XXXX XXXX XXXX and I have never done business with then. 
I requested then to undo the delinquency report. But they kept the collection account and then transferred to another Collector Company which is this XXXX AFNI. 
See attached last bill for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with XXXX XXXX XXXX XXXX originating on XX/XX/2016. I paid on that loan consistently and never had a late payment. The XXXX XXXX is reporting that I had a late payment and I need that corrected immediately.
Product: Credit reporting or other personal consumer reports

I have recently checked my credit report and noticed that there are about 9 inquires on my report. Majority of them are inaccurate. I have filled out a FTC report with the inquires that are inaccurate as i have not authorized these companies to run my credit. Only XXXX is the inquiry is accurate the rest are not.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair credit reporting act. This creditor XXXX XXXX XXXX XXXX XXXX has violated my rights. Under 15 U.S.C. 1681 Section 602 states I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

Was alerted via text about a odd charge to my account XXXX to which I did not authorize. XXXX was a sunday so I had my card shutoff. Called wells fargo. 
Morning of XXXX - a monday Blocked card, called Wells Fargo immediately, and started claim over phone. Went through transactions over phone, stated some transactions are very obvious not me, others I need to look at my calendar, location, and look up vendors and try to verify. Phone rep told me i would receive my claim # via email soon and they need about 10 days to investigate. 
Approx XXXX min after that call I received a text from Wells Fargo, saying they sent email of claim # to my email at XXXX This emial does not belong to me, so I call wells fargo to let them know they have the wrong email and that I Have never had that email. Wells Fargo XXXX told me they did not send the email, and then I read them the phone number to be sure, and I was told it was not their number. The confirmation # in the fraudulent text was correct, so after speaking with rep we came to conclusion my email likely had been hacked- since they did send the confirmation email of claim to my real email. I changed email passwords and bank passwords immediately. 
I began to call merchants to try to confirm who/what the business is so I can give Wells the most accurate info. 
Few days pass and I call and update my claim, by removing XXXX charge from fraud, and also adding some additional unauthorized charges. 
XX/XX/XXXX I recieve notification on wells fargo app- it says my claim was denied. 
I call to dispute and ask how they came to that conclusion. No answer given. They said they would mail me the reasons, and I should receive in 30 days or less.

Im upset and in panic because i need my money.

I call sherrif and file a police report. I contact vendors who send my fraud paperwork. I send completed fraud paperwork to vendors I am able to get ahold of, I have my bank statement and and some fraud report notarized. Sherrif receives screenshot and scans of all evidence I have collected. I call wells fargo and ask If I can submit additional reports, evidence, and information about my claim. Im told I can once I receive the denial info letter explanation in mail. 
XX/XX/XXXX I get denial explanation. It says my pin was used. So they denied me. 
Majority of my claim involves online vendors where a pin is not used. So I call Wells to dispute and add docs to my claim. They say I can not update a claim that they have already made a decision on. I ask what I can do to get my money back. Short answer- nothing. {$2900.00} and they cant do anything ... ... .....
Product: Checking or savings account

Last year, some month in 2022, the company that I work ( XXXX XXXX  XXXX, did not make an automatic deposit to my checking account in Bank of America. 

I explained that it was an error on the companys part and that it would take another two weeks for the company to pay. In the meantime, I had automatic deductions that were coming so I informed because I didnt want to incur overdraft charges. 

The banks representative said that I still would incur charges and that I should get proof from my company of the error on their part. I received a check voucher indicating the past earnings not received and submitted to BOA. BOA credit me for some of the charges. 

Also, there have been times where the bank would pay transactions over the amount of the funds available but at other times BOA would decline and fees would be charged regardless. 

There was never any type of disclosure mentioned or written that would indicate how it would be determined to pay or not to pay then assess fees. 

I do apologize for not being able to provide specific dates and times. I did not think to acquire paperwork at that time. 

XXXX XXXX
Product: Student loan

Navient has contacted XXXX parties ( in-laws ) in regards to my outstanding student loan debt and has announced the call as a debt collection call to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never and do not authorize Equifax to collect or keep any personal information about me. Any information that has been collected, stored, or distributed about me, by Equifax, is entirely against my will. Equifax, through their negligence, has released information about me to malicious actors.
Product: Mortgage

I am in process of refinancing my mortgage ( through XXXX ), and I am having some difficulty with my existing mortgage provider ( RoundPoint Mortgage ). As part of the refinance process XXXX requires a payoff letter. They reached out to RoundPoint, who refused to provide the document, so I was asked to reach out directly to make the request. On Wednesday, XX/XX/2020 I requested the document through RoundPoint 's IVR. The automated prompt indicated that the document would be sent within 2 business days and that depending on the laws in my state there may be a fee. When I had not received the document by Friday, XX/XX/2020, I called back and made the same request directly through an account representative who assured me the document would be emailed within 2 hours. As of the following day I still have not received the document. From my perspective there appears to be a pattern of abuse : 1. Uncooperative in providing the requested document to the new mortgage company 2.  Attempted to discourage requesting the document by indicating there may be a fee, but never confirming if the fee would be applicable in my case or the magnitude of the fee ( inadequate disclosures ) 3. Did not provide a way to request or obtain the document through self-service on there online account servicing website 4. Did not fulfill the request as promised through two separate attempts
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602a state " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's rights to privacy. '' XXXX and Experian are consumer reporting agencies and I'm indeed the consumer. I have the right to ensure that my private information isn't shared or breached which is backed by 15 USC 6801which further 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 the customers nonpublic personal information. '' XXXX XXXX by definition under that title. 15 USC 1681 Section 604a sec 2 states " 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. '' XXXX XXXX the financial institution and the Consumer Reporting Agencies XXXX and Experian do not have my consent to furnish this information and they do NOT have my written consent either. Any and all consent to XXXX and Experian, XXXX XXXX whether it be verbal, non- verbal, written, implied, or otherwise revoked. 15 USC 166802 ( b ) ( c ) states that " A Financial Institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise the nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. To add 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 in which antedates the report by more than seven years. '' This account is an adverse item that they are reporting again without my permission which is against the law, 15 U.S. Code statute 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681 e states " Every consumer reporting agency shall maintain reasonable 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 and Experian are not maintaining reasonable procedures. Also, 12CFR statute 1016.7 states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 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  EQUIFAX : 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

XXXX XXXX original creditor XXXX XXXX - continues to report to Experian and XXXX a collection/chargeoff in the amount of {$400.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I have contacted XXXX XXXX as well as XXXX and they have no record of this account in my name and they can not verify this account belongs to me. I have requested on multiple occasions that this account be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account for a few months now and havent received anything concrete to keep it on my credit file. This is a violation of my rights. I do not believe the credit bureaus have been throughly looking into my disputes. I have attached my dispute letters that include, metro 2 compliance data as well as consumer law challenges under the Fair Credit Reporting Act! How are these accounts simply coming back as verified with no proof of thorough actual work being done. This is beyond messed up! The credit bureaus have been violating our rights for years. How long will the CFPB let this nonsense stand! 

I am reaching out to the CFPB today because I am hoping that you will be able to get me some real answers and have my best interest at heart because the credit bureaus obviously dont!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom It May Concern I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that i wanted a little more explanation on. I am not say they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the FCRA where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never head of which made me write to you all. 

Are you familiar with something called 15 U.S.C Sec 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts : Account Name : US Department of EDC Account Number : XXXX Balance : {$1200.00} Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : US Department of EDC Account Number : XXXX Balance {$2200.00} Please investigate if every piece of information is correct. If not, please remove it from my credit report I also read where i can get the updated report after you investigate this from the free lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address XXXX XXXX XXXX XXXX PA XXXX Thank you for your time and help in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I PREVIOUSLY DISPUTED FRAUDULENT ITEMS ON MY CREDIT REPORT. THERE ARE STILL INQUIRIES LISTED THAT ARE ASSOCIATED WITH IDENTITY THEFT AND WERE NOT AUTHORIZED XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I applied for their " Public Service Loan Forgiveness '' or PSLF, program and I first applied in XXXX XXXX, was given a different number of qualifying payments. XXXX of my loans had XXXX qualifying payments, XXXX loans had XXXX qualifying payments, and XXXX loans had XXXX qualifying payments. I had to re-certify my PSLF paperwork in XXXX XXXX, which I did and it reset my number of qualifying number of payments. Since XXXX XXXX my account has shown XXXX qualifying payments for all XXXX of my loans. I have called FedLoans multiple times to fix the problem, I called them before XXXX XXXX to get the correct number of qualifying payments. I pay my bill on time and in full and it was always over the amount they were asking. It is now XXXX and the problem has not been solved. I should have at least XXXX qualified payments. Why should I keep paying my bill on time, if they ca n't do something as simple as update my account. I made the payments, so they should update my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is closed and balance showing on credit is incorrect
Product: Vehicle loan or lease

Ive had an auto loan with BMW Financial Services since XX/XX/XXXX and was never 30 days late up until the time of XX/XX/XXXX when my vehicle was stolen. My vehicle was paid off completely by XXXX and GAP Insurance on XX/XX/XXXX and I began an agreement verbally with BMW customer service rep to pay {$100.00} per month directly to BMW until the remaining balance of {$2800.00} was paid off. During this verbal agreement I was never informed that if my balance was not paid off in full within 6 months my account will be placed in a collection recovery status, which will negatively impact my credit report as it recently has. Ive reached out to BMW and spoke with a female operator name XXXX who informed me that BMW doesnt have to tell their customers that important information, which is very unethical, unfair and should be illegal. 
My car payment was {$850.00} per month which I paid consistently for over two years and if I was made aware when I was offered the payment arrangements that they would put my account in collection recovery status I would have paid this off before my good standing account was damaged. Because of what BMW did with this account this I was denied a business loan opportunity!
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX, XXXX, and transunion to file a dispute regarding the information on my credit report. I disputed a bankruptcy and hard inquiries. I asked for information on how the credit bureau verified the information they were reporting and they declined to provide that. I requested the credite bureau remove the information they are reporting regaring a bankruptcy and 4 hard inquiries from my report since they can not provide documentation of how the information was verified
Product: Debt collection

Collections Agency Unifin XXXX InXXXX on behalf of XXXX XXXX XXXX is attempting to unlawfully collect on a debt. The Reference number is XXXX. 

The debt in question was discharged in Bankruptcy XXXX case # XXXX which was discharged on XX/XX/XXXX in the state of TX XXXX A letter sent to my home address dated XX/XX/XXXX states that there is money owed and pending legal action was implied by referencing a Judgment that has been entered against me. This statement is false and misleading which is in violation of the FDCPA as there is no debt owed and there is no judgment outstanding for this debt. It is also my understanding that debt collectors are not able to sue on time-barred or out of statute debts. The statute is 4 years in the state of California and the letter states the debt is from XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I received notification from the IRS saying that someone filed taxes in my name last year. This was also done for the year of 2016. I have alerted the credit bureau but they continue to report incorrect information. They have a bankruptcy listed as well as an XXXX account that showing lates and an XXXX account, one which was closed many years ago and the other reporting 30 days late on an XXXX balance. I have disputed these items without success. I have documentation of the fraud, the letter from the bankruptcy court denying supplying any such information to the credit bureau. They are also showing incorrect personal information which I have disputed without success.