23daVinci/CFPB_Complaints huggingface dataset:
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. XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXX # XXXX has violated my rights First XXXX XXXX XXXX XXXX has violated my rights Collection # XXXX 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 with out my written instruction. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I made a partial loan payment in XXXX. I failed to pay XXXX and XXXX. PNC has accepted late and partial payments in the past. My loan was to mature XX/XX/XXXX. XX/XX/XXXX the day I was going to the bank to make a payment my XXXX XXXX XXXX was repossessed. They sent all communications to an old address. I was XXXX behind and I owed {$740.00} on maturity date. I was charged XXXX because of repossession fees and now cant pay the {$740.00} on the maturity date. I wasnt giving up on my loan, I only owed XXXX. My car sells for XXXX. I dont understand why PNC wound tank my already bad credit with a repossession just to get XXXX. And making it where Im short to pay on the maturity date because they chose to repossess!
Product: Credit reporting or other personal consumer reports

I have sent numerous letters to your bureau regarding my status as a victim of identity theft, but my concerns remain unresolved. Once again, I am disputing the fraudulent information affecting my credit file. 
Despite submitting the required FTC complaint, your bureau continues to report these fraudulent accounts. I have contacted the associated banks, provided the necessary documents, and had these accounts removed from their records. 

Other credit bureaus have already removed these accounts following the FTC complaint submission. I am curious about the verification process your bureau uses to continue reporting these fraudulent accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I started using Empower about 2 months ago and love that I can get cash advances with them fast. I reached out before about 2 maybe 3 weeks ago to tell them that my sons account needs to be taken off because they do not have Authorization to access since the account is IN HIS NAME NOT MINE. I was asked to give the last 4 of the account that is correct and I did this, the issue was not resolved. I deal with multiple apps that access my bank account and NOT ONE OF THEM have accessed my sons account that has been on mine for 3 years now. I don't think I need to tell you that accessing someone's bank account with permission is very illegal, they also removed money out of the account without permission which is crazy because the first Advance that was sent went to my account the correct account, the app is going off of my sons payday that is offset from mine we both get paid biweekly and opposite weeks and no matter what I do I can not fix it and can not remove his account hence the reason I contacted them when I first noticed it. They literally REFUSE to remove my sons bank account from the app and I can not do it, it will not let me delete it.
Product: Debt collection

XXXX XXXX XXXX Bank assumed a debt over a defaulted mortgage and wants to settle on foreclosing the property. The defaulted mortgage was signed by a woman XXXX XXXX XXXX, and was co signed by a man ( XXXX. ). XXXX XXXX XXXX Bank did a wide sweeping title search and created a Foreclosure Transaction Consumer Credit Transaction Summons and named many possible subordinate lienors. 
In their sweep, they included my ex husband ( XXXX ), who has the same name as the second signer, the man who defaulted on the property loan. They then named me, by capacity of my having a money judgement against my ex-husband, for unpaid equitable distribution. They name The IRS as a defendant as well, in the capacity that at least three other men who all share the same name, and have tax liens against them. XXXX XXXX XXXX Bank is trying to subordinate my money judgement to theirs. Further, my ex husband is not the person who signed on that property loan to begin with. The signature on the lease is not his signature, he was married at the time and not living with the woman cosigner on the loan, or in the property in question. 
I have been told that I need to take counsel to protect my interests, but I can not afford to do so. If I need to take an attorney for this, I would have to seek sanctions. This is shoddy legal research at best, or a nefarious legal tactic, to use a title search to find persons with convenient names, who have liens which can be easily usurped.
Product: Student loan

I have been working diligently to improve my credit scores and to my surprise today XX/XX/2017 Navient updated interest to student loan appearing on my credit report which caused a XXXX point decrease. They have remarked that my account is in a deferment status so how and why is interest being updated on my credit report. Further more no one at Navient has explained to me what a forebarence means vs deferment. No one has truly helped me to understand my options and what to do about student loans. This incident truly devistated me and I am in a very depressed state because of this. I have no clue as to what to do for this student debt to help my credit and not hurt it. Because of that kind of decrease it could cause other lenders to decrease my credit limits or deny me credit. This whole time I was not made aware of what a forbarence is.. or how it can affect me. At this point Navient needs to recalculate all interest on the student loan debt and be more detailed in ttheir explanation of what I should do. I am also seeking consolidation as 10 separate payment transactions will cause suspicious activity alerts to the institutions I would have to use to even make payments. I do n't agree with the infest that keeps getting updated that is affecting my debt to income ratio I thought evrything was on deferment and I surely did not know that my scores would fall because of interest reporting to the credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

The Crefit Bureau EXPERIAN are reporting accounts that are not mine and inaccurate information in my credit file. I have disputed and provided documents to prove the information is is not mine or inaccurate but they have refused to delete the information. According to FCRA they are only suppose to report accurate and correct information. I have requested that they provide me proof that a account is mine but they have refused. Their response is the creditor verified the account to be accurate. I requested to see the original signed contract or document bearing my signature for such account but no proof have been provided to me. Also my name and address is incorrect. I provided documentation to them to delete and correct this information but they refused and added the new information I provided but left the wrong and inaccurate information in my credit file. I only have one name and one address and one date of birth. I have no aliases.The account that I provided proof that they are not mine are as follows EXPERIAN Reports the following accounts that are not mine and proof supporting that was provided Acct XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX IC XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX the following accounts # XXXX # XXXX # XXXX. 



I would like to add that my personal information and crefit file was among those affected by the data breach in 2017. Also I want to note prior to that I was a victim of identity fraud in which I had to meet with an FBI agent to sign documents surrounding that case. At that time I submitted this information to all three credit bureaus
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit file. These entries are unauthorized and were established due to a data breach that compromised my personal information. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request their immediate removal from my credit report. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Citi sent me at least XXXX mailing offers for an XXXX XXXX credit card with XXXX to XXXX bonus miles. I finally decided to sign up for one. During activation, the bonus miles were never mentioned so I called their customer service, who told me that I was not eligible for the promotion. I asked them why that was, given the fact that they sent me XXXX mailings about the offer to my home, which included a specific invitation number and my XXXX information. Customer service just replied " That is from marketing, not our issue. '' I was disgusted and canceled my card on the spot. Customer service was indignant and stated that " Citi is the largest bank in the world so we are always marketing ourselves. ''
Product: Credit reporting or other personal consumer reports

After receiving numerous emails regarding hard inquiries, I decided to review my credit report and found several inquiries that I did not recognize and believe to be fraudulent. Consequently, I have filed a report with the Federal Trade Commission ( FTC ) regarding suspected identity theft. The following inquiries on my Transunion report are unauthorized and should be removed. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please take the necessary steps to address this issue promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous amounts of errors on my XXXX, Transunion, and XXXX consumer report ( s ) that shouldn't be on there and are in direct violation of the FCRA. Including but not limited to wrong account numbers/ social security numbers that aren't even mine associated with various accounts, it's showing personal information that is non-public information that shouldn't be shared, any financial balances shouldn't be shown on my consumer report as this is a violation as well.

I was also a victim of the data breach. I have sent XXXX/Transunion/ XXXX a dispute letter along with two forms of identification including a copy of my Driver 's license and my Social Security Number. They sent me a letter back requesting me to send in what I have already included. They are clearly playing games. 

What I need from XXXX, Transunion, and XXXX is for them to remove any and all violations. As well as send me a check in the mail for the amount of {$30000.00} for knowingly and willingly violating my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding an issue with a reinsertion of the XXXX  XXXX account on my credit report by TRANSUNION. I initially disputed this account, and it was successfully removed. However, on reviewing my credit report yesterday, I discovered that the account had been reinserted without any notification, violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) ( 5 ) ( B ), which mandates that I should have been notified in writing within five business days of the reinsertion. This lack of compliance has caused unnecessary harm, impacting my credit standing and trust in the reporting process. I request the CFPB to intervene to ensure that this account is permanently removed from my report and that the bureau adheres strictly to notification requirements for any future changes. I also ask for appropriate oversight measures to prevent further violations of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am pleased to see some improvements on my report and some of the items which I have disputed were removed. However, there are still remaining inquiries on my report which are unauthorized and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any item listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Product: Credit card or prepaid card

We received a notice from our credit card company for suspicious activity on our account. There were several unauthorized charges on our credit card so our credit card was closed and unauthorized charges were disputed. We continued to receive unauthorized charges from a particular company, even after changing our credit card account number. We disputed those charges as well. We just received notice from the fraud department at our credit card co mpany denying our dispute stating that they found " compelling evidence that supports our claim that the transaction was authorized by the cardholder or close relative. AVS zip check : pass. They then give the name of the customer, their email address and IP address used to make the purchases, all of which are not familiar to us. We called our credit card company to inquire about the notice and they stated that they send all customers that statement, hoping it will jog their memory of use. We informed them that that the named customer is not an authorized user on our account. They assured us that they are very diligent about ensuring no unauthorized users make purchases on their accounts. The issue was not reso lved with the credit card company.
Product: Debt collection

XXXX contracted Diversified Adjustment for an equipment that has been returned to them. I have spoken to both and submitted proof that the equipment was returned and they still submitted my information to the credit bureaus as negative. I have lost 4 good standing accounts and have recieved several adverse actions regarding this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX/XXXX  XXXX  XXXX and XXXX XXXX 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 an account without my written instruction.

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: Mortgage

Loan Depot advertised a product on their website that they do not offer, which is a stand alone 90 % LTV home equity line. I applied, they ran my credit and when they called me said I had to refi my first mortgage with them to get the home equity line at 90 %. That wouldnt make any financial sense for me because my rate is 3.24 % and they were offering 4.5 %
Product: Money transfer, virtual currency, or money service

my money has just been coming up missing at random times from my account with no transaction history or anything. i keep my card locked at all times except for the exact moment im going to use it for a purchase. but for some reason i keep getting charged by them for unknown reasons and cant get an explanation from them. everytime i inquire they tell me they are looking into it and will get back with me but never do. so far i have lost a total of XXXX and some change.
Product: Credit reporting or other personal consumer reports

I have proof that the company I work for made a banking error in our payments and I get paid every XXXX and XXXX of the month. XXXX  XXXX was not only given a letter to revoke security interest and liens and repo but I explained to them that I would have made a payment on the XXXX if I had been paid but my job made a mistake. Instead they reported that my account was 30 days delinquent and it is not! I have to move at the end of the month and I need this correct ASAP. Please remove this delinquency as soon as possible. Its not supposed to be on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

For last year between XX/XX/XXXX XX/XX/XXXX Being receiving pre approved notices through emails and notifications from XXXX XXXX stating that I was pre approved for credit cards for at least XXXX And when I applied it was XXXX approved and it all was denied but they keep sending them XXXX XXXX times a week Its stressful because it lies and get your info and you apply over and over loosing points and was hoping to get approved. I really needed the money for medical bills it has caused harm stress and affected my credit by multiple inquiries and also medical stress and denial from other companies I ask them to stop and has not! 
My score is dropping and their saling my information for profit while I struggle its cause great stress and affect my living!
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$74.00} XXXX XXXX Balance : {$360.00} XXXX XXXX Balance : {$74.00} XXXX XXXX Balance : {$360.00} XXXX XXXX Balance : {$74.00} XXXX XXXX Balance : {$360.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my ChexSystems report from XX/XX/XXXX. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) after identifying the items below as information that resulted from identity theft and providing the required documentation, Chexsystems should block and remove these items no later than 4 business days after receiving the required information. I have attached appropriate proof of my identity, a copy of an identity theft report, the identification of such information related to the identity theft, and a statement by me, the consumer, that the information is not information relating to any transaction by me. Delete and block this information immediately according to FCRA 605B ( 15 U.S.C. 1681c-2 ). By continuing to report this information on my credit, ChexSystems is violating my consumer rights under FCRA 605B ( 15 U.S.C. 1681c-2 ).

Below are the accounts that NEED TO BE BLOCKED AND DELETED per FCRA 605B ( 15 U.S.C. 1681c-2 ) : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with closed date of XX/XX/XXXX and original charge off amount of {$340.00}. 
2. Unauthorized Inquiries : a. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Student loan

I have been paying my loans on time to MyFedLoans/FedLoan Servicing every single month since XX/XX/XXXX. I have the loans on autopay, so the payment comes out of my bank account on the XXXX of every month. 

I enrolled in grad school at XXXX XXXX University in XX/XX/XXXX but chose not to defer my loans, as I'm still employed full-time. 

I received an email from MyFedLoans/FedLoan Servicing on XXXX XXXX that XXXX XXXX University alerted MyFedLoans/FedLoan Servicing that I was enrolled in XXXX XXXX. Without asking me or giving me the option to opt-in, MyFedLoans/FedLoan Servicing auto-enrolled me in deferment. 

I have called MyFedLoans/FedLoan Servicing twice ( on XXXX XXXX and XXXX XXXX ) and submitted paperwork ( on XXXX XXXX ) trying to reverse this decision, but my loans are still in deferment, and I keep getting emails about my " request to defer '' - I requested ( via paperwork ) to do the opposite. I owe less than {$600.00} and just want to pay them off in early XXXX, as I planned. 

I'm surprised that it's even legal for my loan provider to opt me into deferment, especially since I have paid on time every single month for nine years.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>