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

BK OF AMER Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX TX, XXXX RE : Revocation of Consent to Report Consumer Information & Notice of FCRA Violations Pursuant to multiple federal consumer protection statutes, including the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), I hereby assert my rights as a protected consumer and formally notify you of the following : Statutory Basis for Consumer Privacy Protection The FCRA ( 15 U.S.C. 1681 ( a ) ( 4 ) ) explicitly recognizes that consumer reporting agencies must " exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' This fundamental protection is reinforced by 15 U.S.C. 6801, which mandates that financial institutions maintain " an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' Requirement for Written Consumer Consent Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reports may only be furnished " in accordance with the written instructions of the consumer to whom it relates. '' I hereby affirm that I have not provided written consent to either XXXX, XXXX, or [ Furnisher of Information to Credit Agencies ] for the reporting of my consumer information. 
Revocation of All Forms of Consent I hereby explicitly revoke any and all forms of consent - whether written, verbal, implied, or otherwise - previously given or assumed by XXXX, XXXX, and [ Furnisher of Information to Credit Agencies ] regarding the furnishing of my consumer information. 
Violation of Disclosure Requirements Pursuant to 15 U.S.C. 6802 ( b ) ( c ), financial institutions are required to provide consumers with " an explanation of how the consumer can exercise that nondisclosure option. '' [ Furnisher of Information to Credit Agencies ] has failed to fulfill this statutory obligation. 
Reporting of Time-Barred Information Furthermore, under 15 U.S.C. 1681c ( a ) ( 5 ), consumer reporting agencies are prohibited from reporting " adverse item [ s ] of information ... which antedate [ ] the report by more than seven years, '' except for criminal convictions. The continued reporting of this account information appears to violate this statutory limitation.
Product: Payday loan, title loan, or personal loan

to whom it may concern I'm not sure if I'm filing this complaint under the right category but I really need help with this issue the thing is that I got this personal loan from XXXX XXXX XXXX Bank to purchase a TV the TV was {$1000.00} and now when I received the TV the TV arrived broken I can not use it and I have been trying to resolve this issue since XXXX of 2021 with the creditor they disputed many times but they always faal for the seller because they are a seller friendly company and not a buyer friendly company, and for that reason they are not helping me. I tried contacting the seller directly he never answer my calls or emails and I would like to get a refund for all the money I paid already and for them to stop collecting activities on this account and stop reporting me to the credit bureaus because at this point I can not continue to make payments for this loan because I'm not using the television the television is inoperable and I feel like I'm begging them and they're not helping me at all. I haven't gotten into contact with the seller but XXXX the creditor told me that the seller 's requesting for a return of the TV but the return alone is a XXXX plus dollars I can not afford this and the seller knows that, he have contract with all the courier services and for that reason he pays a little when he ships but me as a regular customer I do not have that luxury. Attached please find pictures of the television that I received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my Experian report, it shows that I made late payment to XXXX XXXX XXXX Visa credit card back in XX/XX/2019. I called XXXX XXXX XXXX XXXX visa card to inquire about it many times. They told me that is incorrect. There is no late payment and my account is up to date, credit card is still open and in good standing. I filed a dispute against that information with Experian, but they didn't remove the late payment information from their database. As a result, other credit bureaus such as XXXX  and XXXX   picked up this from Experian and are reporting this incorrect or false information. I have never been late in payments

with any creditor and this incorrect late payment information is hurting my credit report, my score and everything. I can't get employment, rent apartment or apply for loan due to the this one negative item on my credit report
Product: Debt collection

I had an identity theft issue a few years ago. I have alerts on all my credit report and have had freezes on my credit reports. This has been an ongoing nightmare. Someone opened an account with XXXX  XXXX through my name. I contacted them years and going forward that this is an identity theft issue and the charges are unauthorized. They have refused to remove from my credit report on top of doubling the debt with fees and interest. The account is now in collections under the second collection agency to try to harass me for this debt that is not mine. The company that now has the debt is LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX. 

They have called, sent letter and now keep ruining my credit with their collection account. I need this account removed as per the fair credit reporting act, they are not allowed to report inaccurate accounts that have been reported to FTC and police as identity theft
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 1681e ( b ) : Permissible Purpose : under no other circumstantial may consumer information be shared unless the consumer have given written consent. 

I have written letters to XXXX  XXXX, XXXX, XXXX and Experian and have asked for documentation showing where I have given consent for XXXX XXXX to give my private information to the bureaus and I have asked each credit bureau for documentation where I have given them consent to obtain my private information. 

Furthermore, I DID NOT give XXXX  XXXX permission to give me personal information to a 3rd party collection agency. 

XXXX XXXX ( XXXX XXXX and XXXX ) Imposes criminal liability of any officer or employer if they knowing and willfully obtain information on a consumer from a consumer reporting agency under false pretenses. 
If someone in XXXX furnished information in your consumer report from someone who did not have permissible purpose, you can that employee liable under FCRA Section 620 or 15 U.S. Code 1681n.
Product: Payday loan, title loan, or personal loan

on XX/XX/18 XXXX  XXXX pulled funds from my bank card they did not have permission to pull from. I contacted XXXX with the collections dept and informed her and they stated they would refund the card and that she would be in touch with me after the refund took place to set the future payment plan. On XX/XX/18 i received a call from her stating a payment needs to be made today as my pay date is tomorrow. I told her whoa you just contacted me and want a payment. She stated i called you on XX/XX/18 and you didnt return my call. I stated ok you never left a message and im not going to awnser a number i dont know. She said well the phone works both ways XXXX so dont come at me like that. She said hold on im gon na send you to the general manager. I forgot his name but he was rude. Stated he would send this to my bank as a fraudulent transaction. He stated he would require payment now and he wasnt going to play games with me and this will be handled man to man. He was one of the rudest people i have ever encountered on a collection call
Product: Credit card or prepaid card

I opened up my account with Citi in XXXX, a few years later, roughly XXXX or XXXX closed it and stopped using their card and in fact destroyed the card itself. My balance was probably around {$5000.00} or so at the time. So I have been making payments for 16 years. I am using terms like 'probably ' or 'roughly ' because I do not have access to my account. In fact I found out many years later that since I closed my account they took away my 'login ' credentials! 
More importantly, I had opted to receive my statements electronically from the beginning. So the company knew, or certainly should have know that when they XXXX my 'logging into my account ' ability, I had no way of seeing details of my account nor any transactions, change in interest rate or anything at all. They would simply send me an email, since I had opted paperless and in the email always instructed to log in to see details! Over the years, I called and complained about it and they always said : " since my account was closed, for security reasons I could not have it activated ''. 
I lived with this situation for many years and I had setup my bank account 's bill payment service to automatically pay every month. So far so good. 
It was early XXXX that, because of some financial hardship, I reduced my automatic payment amount from roughly {$80.00}, which I knew was way more than the required minimum to {$40.00}, which I thought would meet the required minimum. I did not have the exact amount since I could not look it up. 
It turned out to be about {$5.00} short of minimum. I had walked into their trap. 
They, without notifying me, set the {$40.00} aside and counted that month as no payment. Added a late fee of about {$45.00} to it and jacked up the interest rate on my account to maximum possible. And this snowballed even though I never missed a payment. In fact my monthly payment would go directly to their late fees and not to principle, and they kept adding more late fees and the max interest. I was living overseas at the time and despite the time difference and costly phone calls they would not answer my questions since I did not have my account number that I had stopped using and did not have the card for some 12 or 13 years. They never did provide me with my account number and I found out what it is when I requested my credit report from the triple reporting agencies. 
All this could have been avoided if they would have kept my online access or switched my statements back to paper when they closed my online access. But then they would not have gotten roughly {$500.00} 'ADDITIONAL ' of my hard earned money. At the time of all this my balance was around {$2100.00} or so. 
How could they disable one 's online access to his own account, knowing that it is the only way I can see my account detail since I have opted 'paperless ' billing many years ago. And how could that have been security risk for me to access my own live, balance running account. 
Unethical at best, illegal at worst.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was surprised to see incorrect accounts listed, and I have no explanation for their presence. I regularly review my report, but this time, I found inconsistencies that had never appeared before. I even attempted to refresh my browser in case it was a technical issue, but the errors persisted. Because of this, I am requesting a thorough examination of the documents I have provided to ensure I dont have to deal with this concern again.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX of this year, my husband and I signed up to get solar panels for our home in XXXX, WA through a company called XXXX XXXX. Since we financed the amount of the solar panels ( approximately {$25000.00} ), XXXX XXXX recommended that we go through a company called GoodLeap, which I believe is a XXXX. Every month, we make an automatic payment of {$78.00} toward the loan. Every month we also have been making payments of {$1000.00} to go toward the principal of the loan. First payment was XX/XX/2023. I recently found out that GoodLeap is charging us interest on a daily basis ( approximately 3.4 % ) even though we have been making additional payments every month for {$1000.00}. 
When I called to find out why, the customer service rep told me that since our additional monthly payments ( around first of the month ) of {$1000.00} are not coincided with the due date of the loan ( XXXX of each month ), they are charging us interest. Therefore, we accrued interest in the amount of {$360.00}. I asked to have that refunded and she said no. When I asked why this wasn't disclosed on the website, she told me it was in the contract. I asked her to send the contract and have not received it to date. She said it was disclosed in some obscure place in the contract about how interest is accrued daily. I told her I wanted to pay off the approximately {$20000.00} loan balance today ( XX/XX/XXXX ) since I didn't want to be surprised by anymore hidden fees and that I don't want to deal with them anymore. So I paid off the balance. But I want to be refunded the {$360.00} in interest since I wasn't aware of their practices in charging the interest in the first place since I was making additional payments in the amount of {$1000.00} per month.
Product: Credit card or prepaid card

I purchased a perfume using my XXXX credit card online which is offered through XXXX XXXX. I returned the item prior to the company making purchases final sale. I called XXXX to inquire on the status of the credit, they said they had no information to call XXXX that all credits had been issued. XXXX kept harassing me to make a minimum payment even though I didnt have the item and the status showed it had been received by the XXXX returns department. I paid them {$40.00} to stop the calls which I shouldnt have even done because Im paying for an item I dont have. XXXX  has yet to resolve the issue and emailed me yet another statement saying I owe {$130.00} which includes late fees because I wasnt aware I had a balance. At this point the account has been closed because XXXX is going out of business and XXXX  continues to charge me when they should be sending me a {$40.00} refund and stop collection on the account because theyre ruining my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

A car loan was taken with my information used without permission. An ex partner and I purchased cars on the same day - 1 purchased by them and I purchased my own. It appears that the dealership did something unauthorized and placed my name on paperwork for both vehicles and had me sign all paperwork presented as belonging to the vehicle I was buying that day. I left the room while they signed their paperwork. A loan is showing with us as co-owners, which should not be the case. I have opened a police report and investigation with the company but was told that since we had insurance together that it couldnt be inaccurate. The vehicle was never owned by me and I should never have been listed on the loan. I became aware of the loan having my information when a credit alert for a late payment was sent to me. Throughout the investigation that the company did for my complaint, I requested a copy of loan paperwork 3 separate times but was never provided any of the paperwork. I have been working for nearly 2 years to resolve this issue, since I was made aware of it, with no luck and no fair follow up. The report is inaccurate in that my information should never have been attached to it and no one is helping to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/XXXX, to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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: Checking or savings account

Fraud claim opened on XX/XX/year>, claim left in an open state for two years, still opened. Called bank to resolve the claim and they state they closed it and they would be denying my claim. No denial letter or any correspondence was made by mail, email, phone or text regarding this claim on this timeframe until I called. 

I did not make this purchase and it is a large sum of money for me, over {$800.00}. I spent an hour on the phone escalating to be told that it's too old to look at and that all they can see is that it was denied.
Product: Money transfer, virtual currency, or money service

Hello, since XXXX XXXX Ihave not been able to access to my account From Coinbase has been frozen for ID Verification Issues, and then requests my personal information in a safe link, all documentation has been provided but is almost one month and they have not resolved my problem, they have been continuing not resolving my problem, they dont provide to me a timeline for resolution or any plan to return my funds My number case # XXXX
Product: Student loan

I paid off my student loan balance in XX/XX/XXXX. At the time my student loan servicer was Great Lakes. They sold their portfolio to Nelnet in XX/XX/XXXX, and even though I paid off my balance already, Nelnet is erroneously claiming that I have a loan balance of over {$11000.00}. 

I contacted them via mail in XXXX and their response was that they refused to investigate and that the balance was correct. Even though in included proof of my paid off balance with Great Lakes with my letter. When I attempt to call, Ive been placed on hold for several hours at a time, unable to speak with anyone. 

I have been paying my monthly payments on the erroneous balance as to not damage my credit score. I would like my erroneous student loan balance wiped and a refund for the payments I made in XXXX.
Product: Mortgage

To : Customer Financial Protection Bureau First, we want to thank you for your assistances in this matter, but unfortunately, we are in the same position. We are reaching out to you again as our last resort. 
We filed a complaint with CFPB on XX/XX/21 and PHH responded stating that they can not remove the lien from the title because they do not have any other outstanding account other than our principal mortgage and a copy has been attached. 
MERS records stating that XXXX XXXX ( XXXX ) has the lien on our property, but when we contact XXXX they said that they do not have any account under our names. ( Copy has been attached ). 

We humbly request your assistance with this urgent matter. We would like a written response from XXXX XXXX stating that they do not have any outstanding account with us or any other pertinent document that allows us to clean the title.
Product: Debt collection

I feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. 

These accounts have incorrect address on file on my credit report. I will attach utility bill showing my correct address.
Product: Credit reporting

In XX/XX/2011 I had a XXXX / XXXX. I had used the card and been making payments on auto-pay from my checking account monthly. Suddenly for no reason that XXXX Bank could explain, they began reporting my account as delinquent. They failed to inform me in any fashion that I had late payments ( according to them ) on the account. I contacted them and was alarmed to find out that they had been reporting that I was late on payments ( again, from checking auto-pay ). I immediately paid off the card. The bank asked if I would like to keep the account open and I informed them no since they had made such a mess of things. They informed me that they would close the account as I had requested. 4 years later, I had my credit pulled for financing and was informed that I was being declined for financing because XXXX XXXX XXXX had reported the account to all three credit bureaus as a " Charge-Off '' that was transferred to another lender ( which is false as I had paid it off directly to the bank and had requested the account to be closed ). I contacted XXXX / XXXX by telephone and requested information about the situation. They informed me that they had no information on what had happened, but that what they reported was correct. I disputed the erroneous information with Experian. The disputes came back as verified from XXXX / XXXX. This incorrect and false information is costing me lending opportunities and is causing me undue hardship. I find the company failing to provide me with information on the issue unconscionable and believe it to be done with malice and as a violation of my rights. I appreciate your help in getting this incorrect information deleted from my credit report and removing this undue hardship that their negligent actions have caused me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

my mortgage company has a different deed description for my land parcels than i have on my tax bills. I believe the town tax administrative clerk is sending false information to my bank to allow for manipulation of ownership.