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

I did not give XXXX XXXX XXXX XXXX the permission to furnish information on my consumer report non consent is identity theft. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information may be disclosed. I did not receive any of the 3 disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. 

XXXX XXXX  denied any inaccuracies but after further investigation I can confirm they are reporting inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX XXXX permission which is another violation.

TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I never signed an agreement to enter into a credit transaction with XXXX XXXX  yet they have reported that I opened an account on two different dates because my consumer report is incorrectly showing two different dates violating me even further. 

My complaint is also with two bureaus XXXX, and Experian who are allowing XXXX XXXX  to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX or Experian, permission which is another violation on their behalf. Not only did I not give permission to furnish this information on my consumer report, the information is also incorrect which is a violation under 15 USC 1681b for those two violations under FCRA I am seeking {$2000.00} from each credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Debt collection

I received a phone call from XXXX at XXXX at my home phone number XXXX. The person who called did not leave any message saying that they are debt collector at. all. I get home at XXXX and see that my phone answering machine is blanking means some one called and left the message. I try to listen the message but their is no any clear message saying that they are debt collector and calling to attempt to collect the debt against the third party., I called that number at XXXX this evening which was showing in my phone ID caller XXXX .XXXX Extn XXXX from XXXX XXXX XXXX XXXX. pick up the phone. During the phone call he did said that he is debt collector but did not say his debt collection agency name at all.. The debt collector is harassing me. I did received their letter in mail yesterday on XXXX/XXXX/2016. I did called the number XXXX which was written in their letter. I spoke with XXXX XXXX, Extension # XXXXabout this debt. I did told him that I do dispute this debt and I think the debt company who represent by this collection is not the correct agency to whom XXXX XXXX sold the debt. I did told him I do disputes these charges and still try to settle if I can understand these debt in question. They called today at XXXX and using other number XXXX .This phone number is not they listed in their collection letter at all.
Product: Student loan

I have a private student loan with Sallie Mae and dealing with this company has been a nightmare. Agents from Sallie Mae have contacted my job and family members ( family members not associated with my account or loan ) all under the guise that " they are trying to get in contact with me '', which is not true. They have taken unauthorized payments from my account which were never returned. This entire experience has been traumatizing and extremely stressful. I'm convinced that their tactics are intentional and lead to emotional distress. Their corporate office is completely unprofessional. Specifically, my MOST unpleasant experience has been with their corporate account specialist XXXX XXXX. He is completely unprofessional and absolutely intolerable. He is rude and condescending and his attitude is completely disgusting. He uses intimidation and insults as a means of negotiation. I am so frustrated with how this is being handled that I am prepared to take this to litigation. I have asked on NUMEROUS occasions to be assigned to another account manager and he has made it his joy to terrorize me weekly. I have even said on NUMEROUS occasions that I would be willing to settle if I had another account manager. At this point, he's a bully and it's very clear that Sallie Mae does not listen to their own phone call recordings. Sallie Mae is the ABSOLUTE WORST!
Product: Debt collection

Hello, I am asking for assistant with Common Wealth Financial. I disputed this collection agency on XX/XX/XXXX and the month of XX/XX/XXXX. I am requesting a validation of the debt ( not a verification ) that I have a signed contract signed with Common Wealth Financial per Fair Debt Collection Practices Act laws. I also request a contract validation of my signature and their signature not a copy of a bill. If they can not provide documentation I request that this debt be removed from my credit file with all three credit bureaus, per Fair Debt Collection Practices Act.
Product: Mortgage

We, XXXX XXXX XXXX and XXXX XXXX, the home loan borrowers for their primary residence home at XXXX XXXX XXXX XXXX in XXXX, California would like to seek either a judgment or a verdict by jurys trial in California Federal or state court due to having suffered deep financial stresses and losses due to illegal actions caused for the past 5 years by our loan servicing companies, XXXX and Selene Finance. They employed illegal methods and actions to default our loan and process to foreclosure our house as well as held us in a loan dispute situation so we could not do any refinancing when the interest rates were low in XXXX, XXXX, and XXXX. Finally, after we had paid total of {$110000.00}, demanded by Selene Finance before XX/XX/XXXX, Selene Finance sent us an updated mortgage statement in XX/XX/XXXX and identified and approved all our 10 missing mortgage payments were all from either Shellpoint or Selene Finances refusing and returning our regular mortgage payments from us from XX/XX/XXXX through XX/XX/XXXX. Selene Finance used its lenders foreclosure threat to collect more than {$16000.00} extra in mortgage payments from us in XX/XX/XXXX and has refused to return the money as of present.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX ; XXXXXXXX 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 a account without my written instructions 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: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit card or prepaid card

- Unauthorized transaction on my Chase CC for {$740.00} on XXXX, with merchant XXXX XXXX, a merchant I have never previously done business with - Filed a complaint with Chase immediately ( XXXX ) - Learned that my CC details were compromised because a 2nd merchant, XXXX, called me about an order they were having trouble fulfilling ( also on XXXX ) ; once I confirmed I had never authorized that transaction they worked with me to cancel and told me to call my CC issuer and let them know my details were probably compromised - NOTE : Neither the XXXX XXXX  nor XXXX purchases were authorized or conducted by me or with my awareness ; moreover, no other person has access to my CC or details. 
- Chase denied my dispute of " unauthorized transaction '' on XX/XX/2020 because " You received benefit from this transaction. '' - In speaking to Chase, Chase determined I " received benefit '' from transaction because documentation provided by merchant included my : Name ; Address ; Phone Number - NOTE : Name, address and phone number are all publicly available information which can be obtained by doing an internet search ; more likely this information was provided along with my CC details when the info was compromised - NOTE : When disputing, " Did not authorize, '' the denial reason that I " received benefit from transaction '' does not cure the nature of my dispute. Disputes for " unauthorized transaction '' should be cured by the merchant providing evidence of authorization, not -- as Chase informed me over the phone -- " merchant documentation of my name, phone number and email address. '' - NOTE : The denial reason, " received benefit from transaction, '' is not valid unless Chase has received evidence from the merchant in question that confirms that I actually received any benefit from the transaction in question, NOT that the merchant was provided my name, address and phone number. If I received a benefit ( which I most certainly did not ) then I would expect Chase had proof that I ACTUALLY RECEIVED ANYTHING FROM THE MERCHANT IN QUESTION. Chase did not have this documentation or at least did not state they did when we talked earlier today, XX/XX/2020 - Not only did I not conduct or authorize this transaction ( which documentation providing an IP address for the person who placed the order might help confirm, as the IP address is most certainly not mine ) but I also never received any merchandise or refund, which makes this denial reason entirely invalid.
Product: Credit card or prepaid card

ON XXXX I paid my Final balance with capitol one. 
Afterwards, i was contacted regarding inactivity use, and explained to Capitol One that i wanted to to keep the account Open and did not want to have a Balance owing because of the Excessive high intrest rate they were imposing. soon after, they in fact closed the account and said That i wasn't consistent with paying, but provided no proof of a balance owed. On XXXX Capitol One issued letter stating closure on XXXX stating to use, or close account. However, they seem to be LANGUISHING with the specifics of the account status, more so with the credit bureaus as of XXXX in my XXXX XXXX files. I don't UNDERSTAND why a company would vacillate unprofessionally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've went into a pawn shop to get a loan on an item I had. this pawn shop was familiar with the item from a previous time I receive a loan on the item.

About 3weeks to a month later I notice my information was released without my consent. I was really upset about that.. Seeing it caused all type of friction a XXXX XXXX and stress in my life that I did not need!
Product: Credit reporting or other personal consumer reports

I have initiated a complaint with the Federal Trade Commission ( FTC ) regarding this matter, and the reference number for the complaint is XXXX. I urge your prompt attention to this matter. 
Specifically, I request the removal of the following account and inquiries from my consumer report : Account to be Removed : Company/Organization : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent out a letter requesting validation of the account I discovered on my credit report. XXXX, XXXX, AND TRANSUNION have failed to respond in a timely manner to my dispute letter and it has been well over 30days since my initial letter. XXXX XXXX XXXX has also failed to send sufficient documentation, specifically the contract, note or other instrument bearing my signature. The following account is inaccurate and should be removed from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX UNVERIFIED It is to my understanding that XXXX, Transunion XXXX and XXXX XXXX in violation of the FCRA for failing to respond to complaints regarding inaccuracies on my credit report. All three agencies have failed to complete an investigation into the accounts in question within the 30 days allotted as per the Fair Credit Reporting Agency Section 611 ( a ) ( 1 ) ( A ). Failure to respond satisfactorily within the 30 days of receipt of the letter mailed ( which I will attach ) may result in a small claims action against all 3 credit bureaus. According to various articles, these companies have been in violation of not responding to consumer complaints. The latest article I have read dates back to this XXXX XX/XX/2022. XXXX most often promised to open investigations of their disputes and send their findings to consumers at later dates. However, it failed to share the outcomes of its investigations with the CFPB. TransUnion made similar promises and also often failed to meet its obligations to share investigation outcomes with the CFPB. In addition, TransUnion often failed to provide a response in instances where it believed that third parties submitted the complaints, even though the CFPB says that consumers can authorize third-party representatives to submit complaints on their behalf. XXXX often took no action in instances where it believed that a third party submitted the complaint, although it did provide substantive responses to other complaints. All three bureaus relied heavily on automated templates to respond to complaints instead of providing a meaningful, personalized response to the consumer. That's despite having up to 60 calendar days to reply. According to the CFPB complaint database, there are more than XXXX complaints between the 3 credit bureaus within the last year regarding problems with credit reporting
Product: Credit reporting or other personal consumer reports

I reached out to the company to settle an account with an offer. I did not believe i owed this amount or any amount at all and have disputed the account many times to the CRA 's Equifax agree to remove the account, however the account was subsequently reinserted I was force to negotiate as I'm trying to make a large purchase .My account assigned as account XXXX XXXX by XXXX XXXX I have never signed any contract with this company. I sent an offer of {$130.00} to XXXX via pay processing center in XXXX, MA. as designated. Along with the payment, I attached an agreement that identified the payment as contingent upon an agreement to settle the account in full and discontinue reporting any negative information to the Credit Bureaus. The payment was received and processed initiating an accord and satisfaction between myself and XXXX. The following contract and agreement was written clearly on the front of the payment tendered : " By Endorsement By accepting and cashing you agree to Report this account and any debt it holds as " paid in full '' and remove any negative information about the debt being reported to XXXX, XXXX, Equifax credit bureaus. Deposit or cashing of this payment will constitute a satisfaction and acceptance of this agreement. '' This contract law is based on UCC 3-311, which states that by simply accepting the payment as the accord, satisfaction is reached. XXXX contractually accepted the new agreement and has breached contract by continuing to report this negative account to the Credit Bureaus. I contacted XXXX several times to inform them of this issue, including sending a cease and desist letter via certified mail directly to XXXX XXXX and XXXX XXXX XXXXXXXX and fax. they refuse to honor the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act MOHELA/ DEPT OF ED, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 also states, '' a consumer reporting agency can not furnish an account without my written instruction.
Product: Mortgage

I had an original XXXX XXXX XXXX Loan for my primary residence that subsequently serviced by several loan servicers. During the 2008 recession and financial and housing crisis my mortgage became insolvent and thus I applied for a HAMP and TARP loan under the direction that I would be able to get relief. I was wrongfully denied a loan modification and have since been in litigation with the loan servicer for the past several years. Per TARP, HAMP and Federal Law. This was not supposed to affect my credit but however my loan servicer still reports this as a derogatory mark not only damaging my personal credit but my livelihood as well. They have also subsequently taken payments from me during a trial modification period. I made all payments timely and with good faith and was denied once again. They pursued the foreclosure breaking HAMP and TARP requrements. We have had a written settlement agreement that they have refused to honor. They did not act in good faith and I am pleading for relief.
Product: Debt collection

Ocwen claimed it foreclosed on the purported debt and received payment for delinquent months from XX/XX/XXXX-XX/XX/XXXXfrom the trustee. Question # 1 : Who is the holder in due course that Ocwen remitted the proceeds of the foreclosure to? Question # 2 How much was paid to the holder in due course?

ALSO : State the date the title policy expired.

Provide the satisfaction of mortgage certificate involving XXXX XXXX XXXX, XXXX  and XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Checking or savings account

I emailed XXXX to ask if the email was legitimate. No money was taken by the email stated I was approved for PPP and that I needed to provide banking information for deposit. This contradicts other emails I got stating, I would receive a document from XXXX to sign in order to get the check.