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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/2021 XXXX there is some inaccurate information reporting. 
XXXX XXXX Bankruptcy XXXX XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MI XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX there is some inaccurate information reporting. 
XXXX  XXXX Bankruptcy XXXX XXXX : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX  regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 

On XX/XX/2024 I notified XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliate third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 
I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution.

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX  has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 
This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing including the potential for identity theft, fraud, and other financial harm. 
I kindly request that the CFPB investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX  complies with all federal regulations and laws, including the GLBA to protect the privacy and information security of consumer like me. 
Additionally, I would appreciate regular updates of this investigation and any action taken to address the violations committed by XXXX XXXX. 
Please feel free to contact me at XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have Talked to Lexus nexus many times and they say they could not do anything because they could not confirm my identity, since there last letter stating this Ive sent them everything they asked for to confirm my identity! I need This information removed from my credit report now
Product: Credit reporting

I BEGAN to prepare HELOC applications, with XXXX and XXXX, XXXX 2016. I have a XXXX HELOC and am in the pay off stage ; and I 've paid off my mortgage with XXXX. I have been a XXXX customer for 35 years. Both XXXX and XXXX pre-approved me for HELOCs. 
At the very same time that I began to apply for XXXX and XXXX HELOCs, to compare offers, I began to receive credit cards, and requests for additional aplication information, from several banks. I placed a fraud alert with all XXXX credit reporting agencies, filed an FTC report, and I 'm speaking to the banks and non-financial companies offering cars or requesting additional information directly with the non-financial companies alerting them that this was identity theft, all the cards and applications were fraudulent, and asked them remove any hard inquiries that appeared on my credit reports.
Product: Consumer Loan

I bought a car from XXXX and their financial lender CNAC in XXXX MO my cosigner has near perfect credit score and my interest is 28 % I have asked to be refinanced but my loan company does n't do that. I 'm gon na pay over XXXX for my car that is only worth XXXX I went to a bank to try and get refinanced and she told me to complain to you guys so they can be investigated because they way CNAC did me was way wrong!
Product: Debt collection

Re : Complaint Against Landlord for Failure to Fulfill Lease Agreement Obligations Dear CFPB, I am writing to file a formal complaint against my landlord regarding their failure to fulfill the obligations outlined in my lease agreement for the property located at XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, AR XXXX. 

According to paragraph 32 of my lease agreement, the landlord is responsible for maintaining the premises in a habitable condition, including making all necessary repairs in a timely manner. Specifically, the lease states that the landlord must act with customary diligence to keep common areas reasonably clean, maintain fixtures, furniture, hot water, heating and A/C equipment, comply with applicable federal, state, and local laws regarding safety, sanitation, and fair housing, and make all reasonable repairs. 

In early XXXX, I reported a significant leak in my apartment that led to unhealthy mildew growth. Despite my repeated requests for repair, the problem has not been adequately addressed. Here is a summary of the events : XX/XX/2021 : I noticed the entire closet was wet. I submitted a work order on XX/XX/2021. 
XX/XX/2021 : Maintenance inspected the issue, used a wet vac, and replaced the air filter. They informed me that I would need to continue making service requests whenever the unit backed up again. 
Later that week : I contacted the front office to report that the carpet was even wetter and the water was spreading into the bedroom, damaging furniture and clothes. 
XX/XX/2021 : Maintenance returned, used the wet vac again, but the problem persisted. 
Due to these unresolved issues, I have been forced to inhale unhealthy mildew, which is particularly concerning given my underlying health conditions. Additionally, I have been unable to use the dryer hook-up due to faulty wiring, which management disclosed only after I moved in. The landlord also increased the rent without providing the required 30-day notice before renewing my lease. 

Per the lease agreement, I provided written notice of my intent to terminate my tenancy due to the landlord 's failure to make necessary repairs. I notified the landlord on XX/XX/2021, of my intention to vacate and return the key on XX/XX/2021. 

Despite my compliance with the lease requirements for reporting the issue and giving notice, the landlord has failed to address these serious habitability issues. I am requesting the CFPB to intervene and hold the landlord accountable for their negligence and failure to uphold the lease agreement. 

Please find attached copies of my lease agreement, written notices, and any other relevant documentation. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit card or prepaid card

Someone has tried to or has opened ordered a credit card twice through Discover. I have to talk to them and the. put in a probationary period before I can order XXXX for my own use.
Product: Credit reporting or other personal consumer reports

last month i check my credit repor and noticed 4 accounts thats not mine i never applied for i dispute these accounts with the companie and they refused to removed companies listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I have identified several fraudulent accounts and inquiries reported on my credit file. As these accounts and inquiries are a result of unauthorized activity, I am requesting that they be immediately blocked and deleted in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ).

Below are the specific accounts and inquiries that I request to be deleted : Fraudulent Accounts : XXXX. XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1000.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1900.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$13000.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

Equifax added an address to my credit report that is not mine : XXXX, FL XXXX -- -- This IS NOT MY ADDRESS I 've been at the same address for 22 years : XXXX, FL XXXX Also, they have XXXX hard inquiries listed - I have been XXXX for the past 4 years - and I have not applied for ANYTHING ; REMOVE THE illegal inquiries at once! This is my 3rd request to this company - If not, I will file a lawsuit.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or DELETE the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORT XXXX EQUIFAX MORTGAGE SOLUT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SOLUT XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my personal credit report, which I acquired fromXXXX, Equifax. I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX on XX/XX/2018 and XX/XX/2018. I did not recognize or authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Product: Debt collection

Here we are in XXXX and XXXX XXXX is STILL trying to collect a debt that was never meant to be a DEBT. 

First, I had an account with them from XXXX XXXX XXXX. When we moved XXXX miles down the road, XXXX told me ( in a chat log attached ), that although they HAVE DSL at XXXX, it was " capped '' off meaning, they did n't want to be bothered and it 's complete XXXX. 

So, after investigating, the contract was never signed by me or my wife for the account thus rendering the contract null and void. 

Secondly, the collection agency, EOS/CCA tried to make me feel guilty by telling me, " Well, you got the service and you should pay for it ... you would n't got out to dinner, eat and walk away from the bill would you? '' The collector, XXXX XXXX although very nice, is completely stupid. I never GOT service at my new address, thus, XXXX was UNABLE to fulfill their part of our agreement, thus, I found a faster and better service with WAVE Broadband. XXXX download, no kidding! 

So, I called XXXX again today and found out that the fee for the " special '' we had deducted when I signed up, were ADDED back to my account on XXXX XXXX XXXX 3 months AFTER my account was closed. 

They said, " well, since you cancelled the contract, you do n't get the great deal and now you MUST PAY!!! '' XXXX. 

I got service, and DID PAY while I had it. I SHOULD NOT be penalized for something they could NOT provide. That is NOT my fault.
Product: Debt collection

LVNV FUNDING LLC placed an incorrect credit information to  XXXX .   If they can provide any paper signed by me, I 'll upload/send my driver license for your investigators to compare the signatures.
Product: Student loan

Federal Loan Servicing reported a 90 day late to the credit reporting agencies in XXXX of 2016. I deferred my student loans while I went through consolidation and an income driven payment plan application. I thought that ALL of my loans were deferred while I went through this process. In XXXX 2016, I contacted XXXX, who I thought was the name for the federal government 's organization that handled ALL student loans, to defer my loans while I went through the process of consolidation and applying for an income driven payment plan. 
When I started receiving delinquent notices, having no idea that different organizations carried my student loans, I called XXXX to learn what was going on. XXXX assured me my loans were still deferred and the process was going on as expected. I did not know that there was another organization that I had to talk with to have the payments deferred on these loans. I thought I was doing everything right and was horrified when I learned that my credit was destroyed from the confusing way student loans are handled. 
The process is now complete and I am paying as agreed to Federal Loan Servicing, they have the entire consolidated loans currently. 
I have contacted FedLoan Servicing and have sent them their disputed credit form twice and have been categorically denied ... I do n't believe they have even read my letter. 
Please help me in convincing this company to reverse their negative reporting. Loan # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have an idea how this company conducted an inquiry on my credit report without my authorization! Please take this off my credit report immediately 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: Mortgage

We have submitted multiple applications of modification in the last year! PNC has continuously set up modification agreements for failure! The first modification notice never was received therefore we were denied ( XX/XX/XXXX ) due to non payment, 2nd modification we were told to make three payments of {$2400.00} and new payments would be calculated to find out after the three payments were made that the monthly payment would remain at {$2400.00} for XXXX years ( XXXX ) on a loan with a original maturity date of XXXX. Now we have a new " approved '' modification agreement, as we were advised to submit a new modification application that is dated XX/XX/XXXX, XXXX regular mail, of which was received XX/XX/XXXX, with a due date of XX/XX/XXXX and an expected return date of a signed acceptance by XX/XX/XXXX which is a very short window to review, decide, and budget for such a large payment within 10days of receiving notice. One would think at least a 30day notice to pay would be acceptable. however, XXXX called my daughter on XX/XX/XXXX asking were we going to accept and make the payment of {$1900.00} by the XXXX of XXXX? Clearly setting us up again for failure again. All we want is to be able to pay our debt as we try to regain our financial footing from the hardship of illness that was out of our control. To accelerate the maturity date making the payments outrageously XXXX 's the normal payment is ridiculous!! We have asked over and over again why has the maturity date changed? We have yet to be given an explanation other than the " SYSTEM DETERMINES THE TERMS '' When asked how or what determines the systems decisions no one can give us an answer other than saying its what the investors want.. We get vague answers like the investors make the decision, system makes the decision, once we pay the trial amount a new payment will be determined. We have made 3paymenets of {$2400.00} to find PNC wanted to lock us in the payment amount! Now {$1900.00} per Amanda-BUT NOT STATED in the Approval for Conditional Trial Period Plan- WITH A MATURITY DATE OF XXXX. If PNC can adjust the maturity date at will we want the maturity to stay at XXXX. Why PNC is unwilling to do this rather cause more stress to set the payment at an amount that will cause stress and more hardship is beyond comprehension! Again, we feel this is punishment for falling behind in our loan. We wonder how can we qualify for modification to help us yet our payments increase with the maturity date decrease at PNC 's will. This is egregious to send a letter and expect payment within 10days of receipt, have payments increase based on the decrease of the maturity date by XXXX. Not to mention we can not seek remedy from another bank because of the foreclosure status ; even though we have paid the initial trial plan payments of {$2400.00} as requested! We want PNC to be fair. We know we qualify for the modification but don't set us up for failure!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXXDate of inquiry XX/XX/XXXX XXXX CB-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX BANK XXXX of XXXX XX/XX/XXXX
Product: Debt collection

I have received over 330 calls from XXXX  XXXX  since I started keeping a log in XX/XX/2018 ( see attachment ). I have never done business with XXXX. I do not owe them any money. They are apparently trying to locate someone that I am not acquainted with ( one XXXX XXXX? ). Since they are trying to locate someone other than me I have not responded to them. 

OVER 330 CALL SINCE XX/XX/2018!
Product: Debt collection

I Am a victim of identity theft - i have been contacted by XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX ( THEY ARE COLLECTING AN ACCOUNT ON BEHALF OF ( CREDIT XXXX BANK, XXXX. ) REF # XXXX - THEY KEEP RESELLING THIS ACCOUNT THE AMOUNT IS {$950.00}. I have been sending in certified letters to XXXX XXXX XXXX XXXX ( CREDIT CONTROL , LLC ) XXXX XXXX XXXX AND XXXX XXXX keep sending me letters advising updated and accurate and NOT INVESTIGATING, i also sent them copies of the police reports NO ACTION TAKEN Requests to Block Unauthorized Charges from my Credit Report under FCRA XXXX. I HAVE NO KNOWLEDGE ABOUT THIS ACCOUNT ( PLEASE FOLLOW THE LAW ) Please provide the following : Agreement with your client that grants your authority to collect on this alleged debt that is not listed as mine. Agreement that bears the SIGNATURE of the alleged debtor wherein XXXX agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency XXXX that this debt was assigned or sold to collector. ( XXXX ) showing IRS info XXXX accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for XXXX XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Product: Checking or savings account

On XX/XX/XXXX at approximately XXXX I went online to book two rooms with XXXX XXXX XXXX in XXXX XXXX Oregon for Arriving XX/XX/XXXX - XX/XX/XXXX, I received the confirmation numbers XXXX XXXXXXXX & XXXX. At approximately XXXX XXXX   I called the XXXX XXXX XXXX to cancel one of the rooms and they didn't have the any reservation for the rooms but when I gave them the confirmation numbers they told me that they were booked though XXXX and gave me their phone number XXXX. When I called the number a man named XXXX said their cancellation policy was no cancellations no refunds! I explained to them that I didn't want to use XXXX and there was nothing that said it was XXXX on the website. The website said XXXX XXXX XXXX XXXX so I thought I was booking with the XXXX XXXX XXXX! XXXX said he would cancel the rooms and I they sent me an email that showed they cancelled both rooms. I also contacted my bank but they said since I used my debit card that I would have to contact the merchant. On XX/XX/XXXX I called the merchant and spoke with a lady named XXXX, I asked her if she was with XXXX and she said yes and then she said they were partners with XXXX! When I gave her my confirmation numbers she said I would get a refund within 3-5 days, then she said no their policy was no refund no cancellations and I was out of luck! She then started talking real fast and said she was tired of going over the same thing. I asked to talk to a manager and she said they will say the same thing and there was no manager there. I said you can't cancel the rooms and keep my money!!!! She said that was the penalty for cancelling the rooms because the hotel charges them that! and she kind of laugh and said I was out of luck! I called the XXXX XXXX XXXX and asked them if they did that and they said no! We are talking about {$1600.00}! I cancelled within 2 hours and I don't believe the they should be able to keep my money and I have nothing! This was deceiving website! I believe they are a fraudulent company! They have in very small print non refundable! The confirmation for the cancellation was done on XX/XX/XXXX! When I call the number they say do I want to know about my reservations but they sent me a email that says status cancelled! I do not want to deal with this company as I think they are a scam company!
Product: Credit reporting or other personal consumer reports

XXXX credit card is a business credit card which is included in company 's XXXX  XXXX. The account holder is XXXX XXXXXXXX XXXX XXXXXXXX, XXXX. 

However, XXXX is still trying to collect and harm my personal credit. In addition, I've had several fraudulent XXXX XXXX 's collection attempts from XXXX XXXX bank accounts unrelated to the business. 

I demand XXXX business credit card be removed from my personal credit report immediately.