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

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner 15 U.S. Code 1692c - Communication in connection with debt collection. at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 

XXXX TransUnion XXXX Open Date XX/XX/XXXX XXXX, XXXX Last Activity XX/XX/XXXX XXXX, XXXX Terms 12 Months Scheduled Payment High Balance Loan Type Other Responsibility Individual Company Name XXXX XXXX XXXX 
Account Number XXXX Comments Charged off account, Fixed rate Closed Date XX/XX/XXXX XX/XX/XXXX Open Date XX/XX/XXXX XXXX, XXXX Last Activity XX/XX/XXXX XXXX, XXXX Terms 12 Months Scheduled Payment High Balance {$120.00} Loan Type Other Responsibility Individual Company XXXX XXXX XXXX XXXX Account Number XXXX Comments Paid by collateral Open Date XX/XX/XXXX XXXX, XXXX Last Activity XX/XX/XXXX XXXX, XXXX Terms Scheduled Payment High Balance Loan Type Charge Account Responsibility Individual Company Name XXXX XXXX XXXX Account Number XXXX Comments Charged off account Open Date XX/XX/XXXX XXXX, XXXX Last Activity XX/XX/XXXX XXXX, XXXX Terms Scheduled Payment High Balance Loan Type Credit Card Responsibility Individual Company Name XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX Comments Charged off account, Account closed by credit grantor Details XXXX TransUnion XXXX Open Date XX/XX/XXXX XXXX, XXXX Last Activity XX/XX/XXXX XXXX, XXXX Terms Scheduled Payment High Balance Loan Type Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Comments Charged off account
Product: Credit reporting, credit repair services, or other personal consumer reports

As per 15 USC 6827 ( 3 ) " The term document means any information in any form. '' The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumes of their information sharing practices and provide for a right to opt out of certain sharing, In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt-out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( le XXXX, XXXX XXXX XXXX ) XXXX 

According to 15 USC 6809 ( 4 ) ( A ). The term " nonpublic personal information '' means personally identifiable financial information Provided by a consumer to a financial institution Resulting from any transaction with the consumer or any service performed for the consumer ; or Otherwise obtained by the financial institution.

Further, pursuant to 15 USC 6809 ( 5 ) the term " nonaffiliated third party '' means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

Therefore, as per the literal interpretation, the organization named XXXX, XXXX, and XXXX are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802. 

In case your Company admits that the organization named XXXX, XXXX, and XXXX is affiliated, it has still violated the provisions of FCRA ( Fair Credit Reporting Act ). 


UNDER 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ), the Consumer Report will not include any information communicated among persons related by common ownership or affiliated by corporate control. 

Further, 15 USC 1681a ( d ) ( 2 ) ( A ) ( ill ) states that if the Company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons. 

Therefore, your Company has not only infringed my right to privacy but also violated multiple Federal Laws. 

I hereby request you to remove the below-mentioned information from my Consumer Report ; DPT EDXXXX XXXX NAVIENT XXXX
Product: Credit card or prepaid card

I have a Capitalone rewards credit card which I opened back in XXXX of XXXX. This card carries a yearly fee that has kept going up and currently stands at {$99.00}. 
I called in XXXX, I believe, because I wanted to switch the cards as I did not see a benefit to having a rewards card. I was told the fee is not due till XXXX, XXXX and I should think on what I would like to do. I called back in in XXXX prior to a vacation. The agent with whom I spoke informed me that she can switch the card to a card without a rewards card but she can also see about waiving the fee but she cant do it until after the fee has been charged on the account. 

Lo and behold, I call in today to see about the fee waiver and I was informed the fee cant be waived and theyre happy to switch the card to a different card. When I informed the agent that was not what I was told as I had called previously, he tells me hell pull the call and if its true the agent advised me of that hell see what he can do about the fee. 
How these lying dogs stay in business is beyond me and is the fault of the government. Ive been through this before. Theyll claim their agent never said that or nothing was ever documented and they ALWAYS document their records. 
This needs to stop. Consumers are already being defrauded by these people. Where does it ever stop? Why would I want to switch the account after theyve charged their fee? I may be a lot of things but I am not stupid!!!
Product: Debt collection

Last year, I filed a complaint with the CFPB for a Rooms to Go debt that was agreed to be settled and paid. The amount originally owed was {$300.00}. The amount was settled for less than the amount owed. See the attached. Also, please reference the CFPB complaint from last year. 

However, this debt is still being reported to XXXX  and XXXX, but as a delinquent charge off for a {$3000.00} credit line, which is entirely inaccurate. Additionally, they have an old address for me, which is also inaccurate.
Product: Mortgage

I have a mortgage with Caliber Home Loans , Inc . I pre-paid a portion of my property taxes for XX/XX/XXXXin XX/XX/XXXX. I called Caliber in advance of doing this, and  they said that they would adjust the escrow if I sent them a copy of the cashed check and the receipt for the payment. They also confirmed in an email on XX/XX/XXXX that these two documents were all that I would need to provide. I sent the required documents in on XX/XX/XXXX, but my escrow had not been adjusted, so I called them on XX/XX/XXXX.

On XX/XX/XXXX, they now said they need a new tax bill  from the city before they can adjust the escrow payments. This was never told to me previously, and the city will not issue adjusted tax bills until after XX/XX/XXXX. The tax payments in my escrow account include Caliber 's  estimates for my future tax payments. They need to deduct the pre-paid amount from their estimate, since this is the amount that I have pre-paid and it will be automatically deducted from my next tax bill. Having a copy of a future tax bill is not relevant, as it is not material to the amount that I have already pre-paid - I am only asking them to credit my escrow by the pre-paid tax amount. By continuing to collect for these tax payments, I am effectively being billed twice for the same payments and Caliber is being unjustly enriched by collecting this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

NELNET still continues to report my PAID IN FULL student loans to the credit bureaus as being open. The suppression has been lifted but the still continue to report incorrectly. This needs to be addressed.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX have failed to fulfill its legal obligation under the 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 nor removed or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. Neither did XXXX and XXXX. 

I disputed items that was incorrect, and they were not removed.
Product: Credit card or prepaid card

There was unauthorized transaction in my account for {$2000.00} via Amex Send. I have never used this feature and immediately reported to American Express fraud department the same day I noticed the transaction. They were able to refund some of the charges except the {$1300.00}. I reached back to their fraud department numerous times but my call kept getting dropped after they put me on hold. They keep telling me that I am liable for the remaining charges although I was not the one who made the transaction. Could you please help me with this matter? They just charged me late fees for not paying this charges. I have no other transaction in the card except this fraudulent ones.
Product: Checking or savings account

UFB direct is paying a lower interest rate on my high yield savings account than they advertise and offer to new customers. They're paying interest at XXXX percent when they claim you can earn up to XXXX percent. It's my fault for not checking more closely but these practices seem deceitful. I would have closed the account long before had UFB Direct been clearer in setting expectations.
Product: Credit reporting 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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the pass. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Mortgage

New York community bank is trying 2 take my home. Underwater mortgage houses in area under value. They say they sent me a loan modification plan which I have not received. Please help me! I have had my home since 2000! Predatory lending at underwater Morgage this is
Product: Credit reporting or other personal consumer reports

I was looking over my report and I noticed several inaccuracies pertaining to this account. This account is hurting my ability to obtain credit. Its my understanding that the credit reporting agency will investigate this account for me to ensure accuracy. I would like for you to note that all accounts that are references are EXACTLY as it appears on my credit report that your company has reported.

Please correct or delete this accounts immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was going over my Credit Report when I noticed unauthorized marks and I want them removed. 

XXXX, TransUnion & XXXX ( XXXX XXXX  XXXX ) Balance {$6300.00} XX/XX/XXXX, ( XXXX XXXX XXXX ) {$540.00} XX/XX/XXXX, ( XXXX XXXX ) {$8800.00} XX/XX/XXXX, ( XXXX XXXX XXXX ) {$42000.00} XX/XX/XXXX, ( XXXX XXXX XXXXXXXX XXXX ) {$150000.00} XX/XX/XXXX, ( XXXX & XXXX XXXX {$530.00} XX/XX/XXXX, ( XXXX XXXX XXXX ) {$540.00} XX/XX/XXXX, ( XXXX XXXX XXXX XXXX ) Auto Financing Companies XX/XX/XXXX, ( XXXX XXXX XXXX ) Auto Financing Companies XX/XX/XXXX, ( XXXX XXXX XXXX  ) Auto Financing Companies XX/XX/XXXX, ( XXXX XXXX XXXX ) Finance Companies XX/XX/XXXX, ( XXXX  XXXX ) Automobile Dealers XX/XX/XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries on my credit that I am just now noticing and my personal bank as well that I did not do. Funds taking out that I did not make. A lot of errors that i did not do, I am very upset and Im scared someone is using my identity. This is fraud and is not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested 3 times that XXXX and Equifax investigate inquiry 's on my reports. They refused to do it and say to contact the people who ran the credit. These are not my inquiry 's so when I call to ask the company 's they never send anything to me. I have tried to get it resolved with XXXX and Equifax with no results. So the credit agency 's are not removing these inquiry 's. These are XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX These are on Equifax : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received a notification from XXXX XXXX about a hard inquiry made on my XXXX and TransUnion credit reports. I immediately called XXXX XXXX to make a complaint, but I shuffled around to multiple departments and ultimately told I had to write a letter to them ( XXXX XXXX ) about the fraudulent credit card application. I then called XXXX and TransUnion and I was told a different process ; they said I had to write a letter to them, along with a letter of " deletion '' from the creditor. However, when I called XXXX XXXX back to inform them of this information, they insisted that they do not provide such letters to people. I called XXXX XXXX back again and I was told by a representative in the fraud department that they'd report the fraudulent inquiry back to the credit bureaus and that I would have to wait XXXX business days for it to be removed. I tried filing three fraudulent disputes with XXXX : one on XX/XX/XXXX ; XX/XX/XXXX, and XXXX. All three were determined to be " verified as accurate, '' which means it was done by me, and that's a completely false finding. My credit score has dropped significantly due to this fraud. I have been unable to receive any assistance from XXXX XXXX ; they won't even tell me what's on the application per their " policy. '' This credit inquiry is completely fraudulent! It should be removed immediately if XXXX XXXX reported it promptly to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has updated a paid charge off as having balance due of {$1100.00}. I was part of the settlement in their court case that required then to remove the negative account from my reports. However, they continue the same predatory business. The car was sold and the title had been released to me in 2018 by XXXX. If I owed them any money, why would they have sent the title. They updated the balance to {$0.00}. When I requested that the account be removed from my credit reports as directed by the lawsuit. They update it again as a charge off with {$1100.00} due. 

They do not contact me or send any correspondence to show that a balance was due. They only update the credit report out of spite when you request it be updated as required by the settlement. 

XXXX is an extremely predatory lender. Their lack of documentation and communication with their consumers is evident by their continued disregard for the courts requirements.
Product: Debt collection

This company is trying to extort money from me for a debt that has been resolved and repeatedly harassing me by telephone calls multiple times daily with robo calls. I paid payments to the credit card company 's attorney for this debt and they ultimately sent a payment back saying they were closing my account with this office. Without knowing who these callers are, they ask for very personal information and have never offered proof of this debt and have been reporting this information on my credit report. I have attached the letter from XXXX XXXX attorney. I have no clue where they got their balance as I have several payment receipts to the attorney regarding my payments and assumed they accepted these payments in full for final payment as they returned my last payment and issued a letter.
Product: Debt collection

Medical Revenue Services called  me today, and when I told them I had the inability to pay until sometime next year, the lady 's ( she did n't give me her name ) response was " well, what I 'm going to have to do if you ca n't pay is report it to the credit bureaus. '' Then denied it was a threat. These rude and threatening tactics need to be stopped.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft resulting from the XXXX XXXX XXXX XXXX, which compromised my personal information, including my Social Security Number. As a result of this breach, several fraudulent accounts were opened in my name without my authorization. 

I discovered these fraudulent accounts on my credit report and have taken steps to resolve the issue by filing an Identity Theft Report with the Federal Trade Commission ( FTC ) in accordance with the Identity Theft and Assumption Deterrence Act. I have also contacted Experian to dispute these accounts, providing them with all necessary documentation, including my FTC Identity Theft Report, proof of the XXXX XXXX XXXX XXXX, my government-issued ID, and my Social Security XXXX XXXX 

Despite these efforts, the fraudulent accounts remain on my credit report. These accounts include : 1. XXXXXXXX XXXX  Account Number : XXXX 2. XXXX XXXX XXXX XXXX Account Number : XXXX 3. XXXX XXXX XXXX Account Number : XXXX 4. XXXX Account Number : XXXX 5. XXXX Account Number : XXXX 6XXXX XXXX XXXX Account Number : XXXX 7. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I am entitled to have fraudulent information removed from my credit report. The FCRA mandates that credit reporting agencies must block and remove any information that is the result of identity theft upon receiving an identity theft report and supporting documentation. Additionally, I request that all inquiries related to these fraudulent accounts be removed.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, no debt collectors should be allowed to pursue me for these fraudulent accounts.

I am requesting the CFPBs assistance in ensuring that these accounts are promptly removed from my credit report, along with any associated inquiries, and that my rights under the FCRA and FDCPA are fully upheld.

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to XXXX XXXXXXXX XXXX requesting a copy of the agreement that I allegedly signed giving them permission to report my information to the credit reporting agencies XXXX, XXXX, Equifax and XXXX with my signature wet or electronic. I was sent two letters back reflecting both of the accounts that I had with them. XXXX XXXXXXXX XXXX responded back with two letters stating that they do NOT keep copies of contracts/ application more than 25 months and electronically which would prove that I did/did not give permission to furnish my information to the credit reporting agencies or agree that I have the right to OPT in or OPT out. I called XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and advised XXXX XXXXXXXX XXXX  since they were not able to show proof that the alleged original contract between myself and there company exists and that I was not given the legal right to OPT out of having my information furnished to all credit reporting agencies. I am legal given they opportunity to opt in or out of have my information furnished according FCRA. I have demanded on several occasions to delete the two accounts from All credit reporting agencies. They refuse. I have also called XXXX, XXXX, XXXX, and Equifax to remove the accounts and was met with lies and was hung up on even though I was nice and polite.
Product: Mortgage

Wells Fargo Home Mortgage had offered me an incentive to complete a Deed in Lieu on my home that I could no longer afford. That process started in 2013. I abandoned the home on XXXX XXXX, 2013 as required by the documents from Wells Fargo. This was an extrememly long process and the home was just transferred out of my name recently. The home has been sold and new occupants are in the home. My incentive money is no where to be found! When I try to call Wells Fargo I get disconnected because my loan number with them is no longer valid, obviously. Customer Service transfers me everywhere except to a real person who can answer my questions. I was promised an incentive of {$2000.00} to complete the Deed in Lieu.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with XXXX went into collections in XX/XX/2019 in which XXXX sold the debt to XXXX ( a collection agency in TX ). But XXXX continues ( to this day ) to report that I owe a balance, a past due balance and late payments. Although they no longer own the debt as of XX/XX/2019. XXXX reported the debt to the credit bureaus ( meaning the debt was reported twice on my credit report - once as a collection and once as a open loan that was past due, late and I owed a balance ). 

I paid off the debt with XXXX on XX/XX/2019. XXXX is reporting a zero balance owed on the debt but XXXX continues to report the debt past due, late, and that I owe a balance. I've been trying to dispute this debt with XXXX since XX/XX/2019, since they no longer own it and they should be reporting a {$0.00} balance, but they continue to update my credit report to show I owe them money and that I'm past due with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy a house, when I reviewed my credit report I notice there's some inaccurate item on my credit report. I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. Please remove this inaccurate information. According to the 15 U.C.S 1681 there should not be any damage on my credit report it's defamation to my character.