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

An individual with the same name " XXXX XXXX '' who lives in Florida opened an account with XXXX XXXX in Florida. That account was not paid and went to a collection agency, I.C. System, Inc., who then filed a collection for that account under my name and social security number even though it did not belong to me. It is now showing on my credit report. When I called I.C. System to complain and have this removed they could not find an account with my social security number or address but they refused to remove the collection from my credit even though they had no proof it belonged to me. They then had me call XXXX XXXX and XXXX could not find an account under my social security number or address, either. 
Even though they had no proof whatsoever that I was the XXXX XXXX on the account they refused to remove the account from my credit report and informed me that I had to file a police report concerning the incident. I told them that it was not identity theft but that hey just had another client with the same name and they needed to fix their records and they did not care. I have filed the police report and am now filing with the CFPB.
Product: Consumer Loan

I took out a {$400.00} loan with XXXX d/b/a XXXX ( or now XXXX ) XXXX, XXXX, MI XXXX and am being charged 866.8124 % in interested. I did not know that the interest rate would be so high or I would not have taken the loan out. I did some checking and found that your organization could help me with this. Please let me know if there is anything else you need for my complaint. They have deducted 4 payments of {$140.00} each every 2 weeks for a total of {$560.00} via ACH from my checking account.
Product: Debt collection

I have attempted to contact this company in regard to this debt not being accurate. They have attempted to collect on this debt fraudulently when another debt collection agency had already had the debt. They opened this account and the debt was paid to the original debt collection agency, XXXX XXXX This company that is attempting to collect the inaccurate debt is claiming my account has been transferred to a lawyers office, and they will sue me if payment is not made.
Product: Credit reporting or other personal consumer reports

This is in reference to : XXXX XXXX XXXX Account : XXXX Balance due : {$800.00} XXXX trust this message finds you well. I've been reviewing my credit report and came across some information that raised a few questions. In my exploration, I delved into the Fair Credit Reporting Act, specifically 15 USC 1681, section 602, which highlights the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I've been thinking about my rights and responsibilities in this context. According to 15 USC 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information. Digging deeper, I found 15 USC 1681, section 604, which outlines the circumstances under which a consumer reporting agency may furnish a consumer report. It explicitly mentions that they can do so only in accordance with the written instructions of the consumer to whom it relates. I want to emphasize that I haven't given any written consent for the sharing of my information, and this concerns me. Furthermore, 15 USC 6802 ( b ) ( c ) notes that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. To my knowledge, I have not been informed of such an option. I also stumbled upon 15 USC 1681c ( a ) ( 5 ), which states that no consumer reporting agency may make a consumer report containing adverse information without authorization. It appears that an adverse item is being reported without my permission, which, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, is against the law. The Act further mandates that consumer reporting agencies maintain reasonable procedures designed to avoid violations of the statute. Unfortunately, it seems that XXXX and XXXX XXXX not be following these guidelines, as indicated in 15 U.S. Code 1681e. Lastly, I discovered in 12 CFR 1016.7 that a consumer has the right to opt out of reporting services at any time. I'm choosing to exercise that right. I wanted to bring these specific sections of the Act to your attention and discuss how we can address these concerns. Your insights on this matter would be greatly appreciated. Thank you, XXXX XXXX
Product: Mortgage

In XXXX of XXXX I moved into my first home. Everything was going great until around XXXX of XXXX, I was slowly getting behind on my mortgage. By early XXXX, I was told by my mortgage company that I could qualify for a mortgage modification loan, they granted me payments that were lower pending finalization of my paperwork. I had to jump through hoops to get the modification paperwork done. In the mean time I paid a lesser amout on my mortgage for 3 months. After receiving all my paperwork, they informed me that I did n't qualify for the mortgage modification program and therefor I was now even further in debt to them and that my payments would be going back up to the original amount. Once everything was said and done I was nearly {$6000.00} behind, living on a very tight budget I was unable to come up with the money. Eventually my house was repoed and sold at auction. Because of this ordeal my family of XXXX was forced to live in a mobile home for 2 years making every effort to catch up and clean up my credit in order to rent.
Product: Checking or savings account

On XX/XX/2024, I opened 4 dispute under the case number XXXX, due merchandize not received. 
I never get any letter or correspondance about the claim, the status or requesting more information. 
I sent to the bank by fax XXXX XXXX XXXX the letter explaining the situation and also the invoices to support my case on XX/XX/2024. 
Now I noticed that 2 of the 4 provisional credit were reversed. 
Attached goes again all of the information sent and also a screen shot showing my mailling address.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 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 and Experian and XXXX 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 is a financial institution 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. '' XXXX the financial institution and the Consumer reporting agencies XXXX and 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, XXXX, 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 party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 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. '' This 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 and Experian and XXXX 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 am opting out of your reporting services.
Product: Credit card

I received notice from XXXX that a new credit card had been opened in my name the 1st week of XXXX. I had not applied for any new credit cards. Upon reviewing my account, I learned that a 0 % interest retail loan that existed with the company called Fortiva with a remaining balance in the amount of {$1600.00} had been transferred to a Fortiva Credit Card with a purchase interest rate of 25.99 %. The transfer was made at the existing 0 % interest rate. The Total Credit Line of the Retail Loan was {$4000.00}. The Total Credit Line of the Credit card was reduced to {$2000.00}. 
Fortiva is issued by the XXXX XXXX XXXX. 
This transfer occurred because I had not OPTED OUT of this change of terms. The notification to OPT OUT was delivered by email and had a limited time frame within which I would have to OPT OUT. I never read this email. When I called the company I spoke with the consumer representative and her supervisor. Both reiterated that the fault was MINE due to my having not read the company generated email and OPTED OUT! 

Why am I complaining? 

Deceptive marketing tactics. The previous Retail Loan was setup with a monthly auto-deduct payment requiring no real time oversight on my part. Had I been required to OPT IN, I would have declined as I do not need or want another credit card. If I had a medical issue that prevented me from managing my emails this would have occurred. Likely there are consumers that this has happened to. 
The Fortiva representatives call this action an Upgrade. It is NOT! It has decreased my total credit line and dinged my credit score by creating a new credit card liability that I did not ask for and do not want.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX NOTICE THAT I HAVE AN INQUIRE ON MY CREDIT REPORT FROM VICTORIA SECERT THAT I DID NOT AUTHORIZE I AM A MALE AND NOT SEEKING A VICTORIA CREDIT CARD PLEASE DELETE/REMOVE FROM MY CREDIT REPORT THANKS
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I have been a victim of a data breach, and as a result, an unauthorized inquiry appears on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and removal of the following inquiry from my credit report : Unauthorized Inquiry : XXXX Date : XX/XX/year>
Product: Mortgage

On XXXX XXXX, 2022, my husband and I had a call with our loan officer at Toll Brothers Mortgage Company to lock our rate. One this call, we mentioned that we were interested in buying points to lower the interest rate. The loan officer specifically said to wait until AFTER the float down period, which is between 45 and 10 days before closing, to buy points to lower our interest rate. Our closing date is set for XXXX XXXX, 2022, so we are currently in the closing period. When we asked about buying down points, the loan officer responded that the loan is finalized and we can no longer buy points at this time. There is no response on when we should have requested points and no response about speaking to someone higher up. We would've gone with a completely different type of loan ( ARM instead of XXXX fixed ) with a lower interest rate if we had known we couldn't lower the rate. It was significantly harder to qualify for the XXXX fixed and we had to increase our down payment by {$90000.00}.
Product: Debt collection

Midland Credit management is reporting a debt that does not belong to me. I have been a victim of identity theft.
Product: Checking or savings account

Wells Fargo breach of contract! Been a customer of WellsFargo since XXXX!
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX wont take my payment of XXXX I already paid this to a company called XXXX which is a company who pays off loans to pay day companies. I paid XXXX XXXX to have Speedy Cash be paid XX/XX/XXXX The XXXX is a consolidation company to cover each month pay day loans Ive tried many times to ask XXXX XXXX which is collection company for Speedy Cash to take my XXXX is they have no record of XXXX paying them They wont take money unles I pay them XXXX which includes interest on Speedy Cash loan. I only have record of XXXX that I paid XXXX info is email XXXX ( XXXX ) They wont call me back either. XXXX was taking XXXX monthly out of my checking debit card ... XXXX for 30 months I signed XX/XX/2017 address is XXXX XXXX XXXX XXXX # XXXX XXXX, KS XXXX
Product: Credit card or prepaid card

I believe SUNCOAST CREDIT UNION violated 15 usc 1691 ( d ) ( 6 ) For purposes of this subsection, the term adverse action means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. Such term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, or where such additional credit would exceed a previously established credit limit. In my case SUNCOAST CREDIT UNION revoked my credit. Shown in exhibits.

I believe SUNCOAST CREDIT UNION is civilly liable for their action 15 USC 1691e ( b ) Any creditor, other than a government or governmental subdivision or agency, who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for punitive damages in an amount not greater than {$10000.00}, in addition to any actual damages provided in subsection ( a ), except that in the case of a class action the total recovery under this subsection shall not exceed the lesser of {$500000.00} or 1 per centum of the net worth of the creditor. In determining the amount of such damages in any action, the court shall consider, among other relevant factors, the amount of any actual damages awarded, the frequency and persistence of failures of compliance by the creditor, the resources of the creditor, the number of persons adversely affected, and the extent to which the creditors failure of compliance was intentional. Shown in exhibits.

Fact, SUNCOAST CREDIT UNION did not get authorization from me the original creditor pursuant to 15 usc 1602 ( g ) to close my account and take my credit away pursuant to 15 usc 1602 ( f ). I believe the credit grantor/debtor does not have the same authority as the original creditor. Shown in exhibits.

Fact, SUNCOAST CREDIT UNION violated 15 usc 1602 ( p ) unauthorized use of my credit card which is my social security card 15 usc 1602 ( l ) because I did not benefit from the consumer credit transaction that I authorized on XXXX. I believe SUNCOAST CREDIT UNION is criminally liable for their actions pursuant to 15 usc 1611 ( 1 ) willful and knowing the original creditor did not give authorization to close account. Shown in exhibits.

Affidavit is attached in file upload so please respond quickly. Default file was two large to upload but was sent in the mail by usps.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX falsely reported a debt owed to Credit Management XXXX of XXXX TX ( XXXX XXXX ). I was contacted by Credit Mgt and responded with documentation that I did not have unpaid debt or service for the dates indicated. Credit Mgt 's response was " We have verified your debt with the client '' and then an additional fee for a router that I never had was added to the original demand for payment. Credit management then reported me to all three credit reporting agencies as a delinquent debtor based on their false information and failure to diligently investigate the information I provided Credit Mgt with. Further, and this relates to the original creditor, XXXX XXXX services, when I telephoned their 'customer resolutions ' phone number -- which was the only way they allowed a cancellation of service -- I was advised that my credit would be 'ruined ' if I tried to cancel service. I know this seems incredible, but when I used the XXXXXXXX XXXX, I found other instances of XXXX  using this same tactic with Credit Management XXXX to retain subscribers. XXXX proudly advertises " No Contracts. '' For me, that meant my service went from a starting rate of {$49.00} to {$99.00} within a short period of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX I received an email about my credit report on XXXX. NewRez LLC/Shellpoint Mortgage marked XXXX of XXXX as a late 30 day payment. My score dropped XXXX points. This is impossible as I sold my home, closed and paid loan in full XX/XX/XXXX of XXXX. I have been in contact with Shellpoint the last 4 months trying to fix payments marked as late. I thought the issue was resolved as XXXX  and XXXX showed the months of XXXX XXXX as current, XXXX as 30 day late, and XXXX and XXXX were marked as " D-No Payment History Reported/Available For This Month '' and XX/XX/XXXX showing CLOSED. I opened a dispute with XXXX  XX/XX/XXXX to update credit information and the report is completely different then what the other two agencies are reporting. Due to their errors I am now not able to get a loan because they reported a late payment for this year. They also did this to my husband 's credit but reported the month of XX/XX/XXXX as 30 day late.
Product: Credit reporting or other personal consumer reports

I contacted and disputed the date to remove negative information on my credit report several times and Experian will not change the date. Experian has the information that the last missed payment on my account with XXXX was XX/XX/XXXX. The date to remove this information, the reporting date should be XX/XX/XXXX. They are reporting the date to remove as XX/XX/XXXX, even though they have record of my last missed payment in XX/XX/XXXX. 

Under the provisions of the Fair Credit Reporting Act, How long will the charge-off stay on credit reports? Similar to late payments and other information on your credit reports that's considered negative, a charged-off account will remain on credit reports up to seven years from the date of the first missed or late payment on the charged-off account. 

Charge Off FAQs | XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I disputed several inaccurate accounts that is being reported by XXXX credit bureau, I never received a response and it has been over 30 days I request that these accounts and inquiries be removed at once PER THE FAIR CREDIT REPORTING ACT. Furthermore this credit bureau is allowing companies that are not licensed nor registered to collect debts in the state that they are reporting to I am enclosing document for your review. Furthermore pursuant to section us code 1681 e ( b ) Accuracy or report. whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates must be 100 % accurate across all three agencies. these accounts must be deleted immediately this account is being reported inaccurate which is a big violation. 

FTC IDENTITY THIEF REPORT NO : XXXX COLLECTION ACCOUNT, XXXX XXXX XXXX, ACCOUNT NO. XXXX FTC IDENTITY THIEF REPORT NO : XXXX, COLLECTION ACCOUNT, XXXX XXXX XXXXXXXX FTC XXXX THIEF REPORT XXXX : XXXX, COLLECTION ACCOUNT, XXXX XXXX XXXX, XXXX INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX INQUIRIES XXXX XXXX XXXXXXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following :. What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account :. Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau 's ( XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. TransUnion has failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/2022 ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX