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

As specified by the FCRA 15 USC 1681 section 602 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. I am the consumer and TransUnion, XXXX, and XXXX are consumer reporting agencies. I the consumer have the right to make sure my private information isnt 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 these customers nonpublic personal information. XXXX and XXXX are financial institutions 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 and XXXX the financial institutions and the consumer reporting agencies TransUnion, XXXX, XXXX do not have my consent to furnish this information and surely do not have my written consent. Any and all consent to TransUnion, XXXX, XXXX, XXXX, and XXXX whether it be verbal, nonverbal, written, or implied is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffilated third party unless the consumer is given an explanation of how the consumer can exercise a nondisclosure option. XXXX and XXXX never informed me of my right to exercise this nondisclosure option. Also 15 USC 1681 C ( 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 items 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 USC 1681s ( 2 ) ( 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 USC 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 report to the purposes listed under section 1681b of this title. 20 USC 1232 ( g ) ( b ) protects the privacy of student education records. Financial history can not reported without the written consent of the person who it belongs to. TransUnion, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states a consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Mortgage

My mortgage was owned and serviced by XXXX. My loan was sold to Select Portfolio Servicing, Inc. ( SPS ). 

Previously my loan had been on automatic payment for 12 years with XXXX. Upon the transfer SPS I was required to arrange for new automatic payment. I did so, but SPS took an unreasonably long time to process my request ( 45 days ). During that unreasonable delay my payment became due and was not made despite my ACH application. 

This caused my account to be in default which ceased further ACH payment and caused fees to be applied to my account and potentially derogatory information on my credit report. 

I logged in to the SPS website and there was no option to actually pay the full amount due to bring the account current. The only way to do that is call SPS and manually request full payment in time to allow the original ACH scheduling process to go through. 

Put another way, I applied for ACH payments on XX/XX/XXXX. As of XX/XX/XXXX no ACH had been taken and I was in an endless trap to never have ACH payments made and never bring my account current.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Vehicle loan or lease

US Auto Sales sold my car debt to Westlake Portfolio and I found out about it on the news. The payment amount owed on my car is still the same as it was when I purchased it almost XXXX years ago. Also, my biweekly payment included gap insurance, warranties, and oil changes. Westlake will not honor my original contract. I was told they bought the debt and that's it. However, my payments are still the same.
Product: Credit reporting or other personal consumer reports

Certain entries on my credit report conflict with 15 USC 1681c-2. These hard inquiries were not approved by me and need to be removed as they are damaging my credit.
Product: Student loan

I was pushed into college right out of high school. I chose a out of state school with a high tuition. I had to take out XXXX a year plus federal loans to go. I was assured that I could make the money back, that it wouldnt take long to pay back. I wanted to quit school but my parents wanted me to finish. After my grace period ended I was hit with a XXXX a month bill from navient. I lived in rural ct with no car. My co-signer didnt want to cover the payment. I got a job at a XXXX making XXXX dollars an hour ... ..I put my loans into deferment and forbearance for as long as I could. There lies the problem. After that I got in an income based repayment plan, but as a house XXXX  I was bringing in XXXX a week. This was still not enough to see payment hit the principal. Ive been out of school for 6 years and feel I will never get out of debt with this company. I should have known it was peoples jobs to try to get me to go to school there, and that the school also tried to overcharge me for something once. I was a victim of coercion because I didnt know any better. I was young and if I knew what I know now, I would never let this happen to anyone- XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XX/XX/XXXX Subject : Dispute of Unauthorized Credit Inquiry XXXX : Account # XXXX To Whom It May Concern, I am writing to dispute an unauthorized credit inquiry that appears on my credit report. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, I believe this inquiry was conducted without my authorization or permissible purpose, and I am requesting its immediate removal from my credit report. 

The unauthorized inquiry is listed as follows : Date of Inquiry : [ XX/XX/XXXX ] Company that Made Inquiry : [ XXXX XXXX ] Under 15 USC 1681b, a credit inquiry may only be made under specific circumstances, such as : When the consumer has initiated the transaction or request. 
When the inquiry is for a legitimate business need related to a transaction initiated by the consumer. 
For account review purposes by a current creditor. 
For employment purposes ( with written consumer authorization ). 

I have not authorized any credit inquiries with [ XXXX ] on or around the date mentioned above, nor do I have any existing relationship with them that would warrant such an inquiry.

I am requesting that you : XXXX Investigate this matter with the company listed above.

XXXX. Remove the unauthorized inquiry from my credit report. XXXX. Provide me with written confirmation of the removal.

Please find attached a copy of my credit report highlighting the unauthorized inquiry, a copy of my drivers license, and a utility bill for proof of address. I appreciate your prompt attention to this matter and look forward to your timely response within the XXXX investigation period mandated by the FCRA. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

This company said they sent me XXXX letter over 15 months ago with information about a debt. I do not have record of it. After repeated attempts to contact them, they were purposefully withholding information about the debt from me ( telling me to contact my insurance or the physician ). They would not send me any more information without my first sending them a written request, even though they verified my identity on the phone. 

After multiple phone calls with them and disputes, they never returned my phone call. They claimed to have contacted my physician to see whether the debt was still outstanding, but never followed up with the physician or myself. Every month, they keep reporting that the debt is unpaid, even though it was paid before they received the collection request. 

They have terrible communication tactics, bad policies that do not make it easy for a consumer to obtain information about a so-called debt, and do the bare minimum ( of contacting people XXXX time then never following up ) on trying to resolve a dispute. 

They did not let me speak to a manager or someone who had authority to give me any information about the debt. If I ca n't get this resolved, it will cost me tens of thousands of dollars because it 's adversely affecting my credit score and I 'm applying for a mortgage right now.
Product: Debt collection

On XX/XX/21, I sent SchoolsFirst FCU a letter stating the following information pursuant to 15 USC 1692g ( b ) : The alleged debt of {$3900.00} is disputed. 

They received the letter on XX/XX/21. See Exhibit A. 

On XX/XX/21, I received communications from SchoolsFirst FCU in the form of an Account Summary. They did not cease attempts to collect on the disputed debt of {$3900.00} for 30 days until they obtained proper verification of the alleged debt, or provide me with the name and address of the original creditor, pursuant to 15 USC 1692g ( b ). They continued to send bills in the form of an Account Summary on XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21. See Exhibit A. 

On XX/XX/21, I filed a Small Claims case against SchoolsFirst FCU. See attached. 

On XX/XX/21, I received communications from XXXX  stating that the disputed debt in question was DELETED. See attached. 

On XX/XX/21 and XX/XX/21, I received communications from SchoolsFirst FCU in the form of phone calls at very inconvenient times without any prior consent given directly to them to do so, which is a violation pursuant to 15 USC 1692c ( a ). See Exhibit B. 

On XX/XX/21 and XX/XX/21, I received communications from SchoolsFirst FCU in the form of a letter, using obscene or profane language, threatening to report this account to the credit bureaus. By doing this, they have ruined my general reputation as a consumer. SchoolsFirst FCU is in violation of 15 USC 1681. See Exhibit C.
Product: Credit reporting or other personal consumer reports

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating 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 your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ) this action may 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 in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This creditor have violated my rights. 

Under 15 USC 1681 Section 602 states I have the right to privacy.

Under 15 USC 1681 Section 604A section 2 States A consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666 B Section States a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING ACCOUNT WAS SUPPOSED TO BE REMOVED AS IT WAS PART OF A MULTI STATE SETTLEMENT, XXXX XXXX XXXX. THIS BANK SETTLED TO CLOSE LOAN COMPLETELY AND REMOVE FROM ALL CREDIT REPORTS. IT WAS ALREADY REMOVED FROM OTHER BUREAUS, BUT STILL SHOWING IN TRANSUNION. CURRENTLY UNDER DISPUTE SO IT CAN BE REMOVED. I ALSO NOTIFIED XXXX XXXX XXXX DIRECTLY, and no response was given. IT IS NOT A A CHARGE OFF.
Product: Credit card

Someone opened a student account in my name under my credit. I have never attended college. Account opened fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is STILL reporting inaccurate and incomplete information months after I have disputed and made these issues aware to not only the bureaus, but the creditors!!! Why are you guys not actually investigating these issues and you keep willfully reporting incorrect information on my credit report which is keeping me from doing so many things in my life!!! Why are you doing this to me?? 
XXXX XXXX TransUnion XXXX  XXXX  Account # : XXXX XXXX There are at least 3 additional data fields that are reporting inaccurate across 2 bureaus Date of first delinquency is reporting inaccurately across 2 bureaus.

There is no notice of previous dispute.

The creditors name is truncated and unidentifiable.

The account number is truncated and unidentifiable.

The account has been charged off but, it is still reporting incorrect payment history.
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX, Department of EducationXXXX has violated my Right to Privacy by sharing information regarding an alleged Student Loan that XXXX XXXX owes with the Credit Reporting Agencies without prior expressed written or verbal consent. This is in direct violation of Federally protect Rights, more specifically 20 USC 1232g ( b ). The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the PRIVACY of student education records. FERPA applies to ANY public or private elementary, secondary, or post-secondary school. This misrepresentation has caused extreme harm and mental anguish from the embarrassment of sharing private information with an uninterested third-party.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered the following company ( s ) ran an unauthorized inquiry on my consumer profile on this date : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XXXX  XXXX XXXX XX/XX/XXXX In addition I have a total of 10 inaccurate late payments reporting from XXXX  from XXXX. I have requested the late payments and their amounts be verifiedbe removed in a previously submitted CFPB complaint and letter to XXXX, XXXX and Experian yet this issue has not been resolved.
Product: Checking or savings account

On XX/XX/XXXX I had attempted to make an online transaction that was declined. I then called the bank that morning ( around XXXX ) and was told by the representative that my funds were insufficient. I was aware I was just paid from work, so I was confused. When asked if I had my card, I said I did not have it with me but thought it was at home. However when I arrived home I could not find my card. I told the bank my last transaction was at XXXX on XX/XX/XXXX for {$33.00} at gas pump. I then found out that my card was used with multiple transactions for the same merchant ( XXXX XXXX ). This merchant is non existence. 

The transactions are as followed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} I disputed this claim and on XX/XX/XXXX was told by bank that it was determined to not be fraud. 
On XX/XX/XXXX I asked for documentation on why the dispute was denied. 
On XX/XX/XXXX I was emailed a document of highlighted transactions and contactless chip being used but no other documentation was provided. 
On XX/XX/XXXX I filed a police report on the matter and it was approved on XX/XX/XXXX XX/XX/XXXX I called XXXX department and was told that I must have gave out my PIN number. When I told them I did not give my pin nor authorize any of these transactions, I was told that cant be true. When I pointed out that the merchant does not have an address, the supervisor did not say anything. 
XX/XX/XXXX My account is to be reversed of funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Received my credit report showing multiple inquiries from Navy Federal.I was not aware that my account will be hit multiple times. It is affecting my credit tremendously when applying for loans or credit cards. I in a process of purchasing a home and with the multiple inquiries is not good a look for my credit. The Credit Inquiries are inaccurate, misleading, or incomplete, & may have violated federal law.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency canot furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

The late payment of {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a fraudulent account on my credit report., see attachment. I disputed this account multiple times with the credit bureaus and with XXXX XXXX XXXX but the credit card company still reporting this fraudulent account. I asked TransUnion to verify this account for me and they havent verify it either.
Product: Money transfer, virtual currency, or money service

I attempted to purchase tickets to a football game in XXXX, Georgia via XXXX ( XXXX XXXX   XXXX ). The person made me feel comfortable enough after 5 minutes of conversation to transmit money electronically. They asked that I use Zelle, which I knew my bank ( XXXX ) offered as a service. That made me feel comfortable enough that, even if it was fraud, a service like Zelle and a bank as big as XXXX would protect me. I transferred {$600.00} to XXXX. When I got an email that the transaction cleared, the person hung up, I called back a dozen times and got no response. A scam. 

My bank ( XXXX ) says that Zelle can not do anything because I chose to transmit the money. However, XXXX will allow me to dispute the charge now, but I must wait until the transaction clears. XXXX is scams only to me now, I will never use it again and it was once a very novel and useful tool.
Product: Debt collection

Midwest Service Bureau has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items found within my credit report that I have listed below are not related to any transactions I made. I am alleging that a person or company -without authorization or consent- used my personal identifying information to apply for good, services, or money, and, was successful in creating some accounts. I did not authorize nor benefit from the following fraudulent and inaccurate inquires. Please block, delete, and remove the following from each Bureau 1. XXXX XXXX  XX/XX/XXXX 2. Capital One XX/XX/XXXX 3. XXXX XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. XXXX  XXXX. XXXX XX/XX/XXXX {$820.00}
Product: Credit reporting or other personal consumer reports

Data breach happened, per 15 USC 1681c2 please block and delete this item within 4 business days. Please delete the following Accounts : 
XXXX XXXX XXXX
Product: Vehicle loan or lease

I paid alliant credit Union {$600.00} on the XXXX of XXXX, they denied the process was not a bank issue my payment was due on the XXXX which they did not accept on the XXXX and now they hit me for a 30-day late charge and 30-day credit hit. I have plenty of money in my bank account but yet they're the ones that denied the {$600.00} my phone number is XXXX I also have documentation of the payment date and the refusal email on the payment which was dated for after the payment date