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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a 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. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't 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 those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( 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 item 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 U.S. Code 1681s2 ( 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 U.S. Code 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 reports to the purposes listed under section 1681b of this title. XXXX XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Family Educational Rights and Privacy Act 20USC 1232g ( b )
Product: Credit reporting

MY NAME IS XXXX XXXX THE REF NUMBER IS XXXX BANKRUPTCY WAS XXXX DATE FILED XXXX XXXX 2007 WOULD LIKE REMOVED MY SS XXXX PHONE NUMBER XXXX
Product: Credit card or prepaid card

I have a promotional balance transfer balance of < {$5000.00} on my discover card which has a 0 % interest until from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX I made a {$59.00} purchase using the same card which appeared on XX/XX/XXXX statement with an interest of {$0.00}. My XX/XX/XXXX statement minimum payment was {$97.00} due on XX/XX/XXXX. I paid {$150.00} on XX/XX/XXXX with the expectation that {$97.00} will be applied towards the promotional balance and the rest ( {$60.00} ) will be used to satisfy the new purchase balance {$59.00} + {$0.00} interest. I think that is how the payments were applied. But I continue to see a {$0.00} interest on my statement and talked to Discover customer service and was told that they will continue to charge the interest until I pay off the promotional balance completely.
Product: Debt collection

XXXX XXXX XXXX bought a fraudulent account from XXXX XXXX XXXX. XXXX XXXX XXXX  had imposed fees not included in the term in either written or verbal form and, tried to collect the debt on their own by 12-19 phone calls a day. Some happening as frequently as every 15 min. After arguing about the 1st bills inaccuracy for 27 days the account was closed and placed in internal collections. XXXX XXXX XXXX ceased calls after 58 days. The account was originally openedXX/XX/XXXXand closed XX/XX/XXXX ( XX/XX/XXXX according to XXXX  ). XXXX XXXX XXXX  purchased the debt on XX/XX/XXXX. It was reported to XXXX in XX/XX/XXXXand removed from the report in the same month for Fraudulent reporting. On XX/XX/XXXX, XXXX XXXX XXXX   reported the debt to XXXX.
Product: Mortgage

I was denied a VA refinance with Carrington Mortgage, my home is in Michigan and I have a second state residence of Alabama part of the year because I work part of the year in Alabama. The Mortgage company researched my voting registration and says since I 'm registered to vote in Alabama, and researched my adult son and my grandchildren who lives with me and researched my grandchildren school registration in Michigan at my address and denied me. I never heard of such invasion they checked my XXXX and found I was XXXX and on the day of closing came up with all of the above.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report on XX/XX/XXXX from XXXX, I saw I had some hard inquiries that did not have permissible purpose. According to the FCRA, credit reporting agencies and entities requesting /credit reports must have a permissible purpose to access or report on your credit file. Specifically, 15 USC 1681 ( b ) outlines the permissible purposes for obtaining a consumer report. Key Points of the FCRA Regarding Inquiries : 1. Permissible Purpose : A hard inquiry can only be made if there is a legitimate reason, such as : Credit transactions initiated by you if the credit account is not open or approved, the inquiry should not remain if it does not result in a valid transaction or permissible purpose ( e.g., applying for a loan or credit card ). Employment purposes ( with your written consent ). Court orders or subpoenas. Other lawful business needs initiated by you.

2. Unauthorized Inquiries : If a hard inquiry appears on your credit report without your consent or without a permissible purpose, it may be a violation of the FCRA. You have the right to dispute such inquiries and request their removal.

3. Reporting to the CFPB : When reporting to the Consumer Financial Protection Bureau ( CFPB ), include : A detailed explanation of the unauthorized inquiries. Copies of your credit report showing the disputed inquiries. Any correspondence you have had with the entities responsible for the inquiries. I have attached the inquires and the dates below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I received a debt collection letter from F. H. Cann & Associates, Inc, stating, " This notice regarding your defaulted student loan or grant overpayment debt held by the XXXX.  XXXX XXXX XXXX ... .has been placed with our office for collection ''. The amount is {$15000.00}. I have no such loan with the XXXX. Knowing this, I contacted F.H. Cann. The first thing I was asked was to give my social security number and date of birth. I told the lady I knew nothing about this and as a precaution, refused to divulge my personal information. She responded that she was unable to tell me anything until I complied. I then retorted to bring the matter to your department. That 's when she offered to give me the number to the XXXX. I called the XXXX who told me, correctly so, they had no record of me having any loan, outstanding or otherwise. The rep even connected me with another section of the XXXX who, after getting my personal info, concluded the same. I 'm now asking your department to delve into this issue to see what 's going on. Thank you for your assistance in the matter. I look forward to your finding.
Product: Mortgage

I have communicated with New Rez / Shellpoint over the summer about about setting up reoccurring weekly and/or biweekly payments and requested a start date. At first, the representatives set up weekly payments advised me that I needed to mail in a form authorizing the weekly withdrawals, which I did. 

I then called to confirm and another representative told me that New Rez / Shellpoint does not do weekly payments, instead they do biweekly payments. I cancelled the weekly payments that the previous representative set up because the payments were considered incomplete and would not be applied to interest or principal. 

I then mailed and uploaded the biweekly payments authorization to commence on XX/XX/XXXX. The payment was not withdrawn and when I called, the representative told me it takes one month to commence the biweekly withdrawals. 

I then called on XX/XX/XXXX, and the representative told me that there is no record of my form being uploaded on the Newrez XXXX Shellpoint portal ; that no biweekly payments are set up ; that I need to send in the form again ; and that it takes 48 - 72 hours to process. The representative confirmed that my account shows all of the calls and attempts to set up this weekly payment schedule. 

All I want is to set up equal weekly payments to pay off my loan quicker instead of making one monthly payment. I have been able to make in progress with Newrez/Shellpoint, and my account is up to date because I continue to make my scheduled monthly payment at the beginning of every month.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Date of Birth : XX/XX/year> Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX Employers : XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As of todays date, Experian / XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of I believe it was reporting in error. XXXX  XXXX XXXX Date Opened : XX/XX/2019 Balance : {$2000.00}
Product: Student loan

I applied and had payment counts. I was told to combine my other loans which for some reason were not combined by XXXX. 

Mohela told me XXXX of my XXXX schools did not count and gave XXXX counts. It shows XXXX count in the website and I had way more prior to this consolidation. Also, I can not find my original payment information anywhere. Had access to all of that when I was with XXXX. 

I am not getting clear information and am currently in the phone with a trainee who is very dismissive, keeps me on hold so I can not talk to someone who is more experienced, and is giving me wrong information. Prior to consolidation of my formerly consolidated loanseverything was clear. Now theyre telling me XXXX. I can not get any straight information. I can not even see my original counts and am told I barely gave any when Ive been paying on these for almost 20 years!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed I have Inquires that I did not authorize reporting on my private and personal credit profile about me which are unauthorized and fraudulently reporting on my file. I was very upset and highly upset about this. My information may also have been impacted by the equifax data breach and XXXX have got into the hands of the wrong person. I filed a Police report and I filed a Complaint with the Federal Trade Commission about this serious matter.
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 XXXX XXXX XXXX. 

ACCOUNT NAME. ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602a states : I have the right to privacy. 

15 USC 1681 section 604a section 2 states : a consumer reporting agency can not furnish an account without my written instruction 15 USC 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 anteater the report by seven years. 

15 USC 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to the believe that the information is inaccurate. 

15 USC 6802 ( b ) ( 1 ) states : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting or other personal consumer reports

I am disputing misinformation on my credit reports for Experian, XXXX, and XXXX. There is inaccurate information that is being reporting for several accounts that are documented for each report from these agencies. According to 15 USC 1681e ( b ) I am entitled to have maximum possible accuracy on my credit reports. I have disputed these inaccuracies with each of the reporting agencies and they have not been removed. I want the inaccuracies removed from my credit reports with my various accounts.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries.

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - Sent in a dispute to XXXX and to all 3 credit Bureaus requesting that the account get investigated for accuracy. The credit bureaus and the XXXX came back and stated that the account was verified as accurate. 
XX/XX/XXXX - I requested a method of verification. This was not provided to me XX/XX/XXXX - Sent a dispute again for the inaccurate information XX/XX/XXXX - 4th dispute requesting investigation of the account. 
-- -- The date of last activity is listed with XXXX  as XX/XX/XXXX, XXXX  XXXX and Equifax XX/XX/XXXX. This is years a part. If they are getting the information from XXXX how is this possible. Along with the High Balance. XXXX XXXX  is showing an high balance {$64000.00}. And Equifax is showing a high balance of {$21000.00}. This is just confusing to me.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XX/XX/2023
Product: Credit card or prepaid card

To whom it may concern : My XXXX statement from Sears mastercard included multiple charges from a vendor, XXXX, XXXX, totaling {$1600.00}, which were fraudulent. I contacted the customer service immediately and reported the fraud. I subsequently received statements from the vendor, which were illegible, but did show that I was not the customer making these charges. I have since received another statement from the credit card company, showing that these charges were submitted again for processing. 

Please advise.
Product: Vehicle loan or lease

I am writing in response to Flagship Credit Acceptance LLC 's ( " Flagship '' ) response to the complaint I filed on XX/XX/2023. After careful review of their response, I find it insufficient to address the main issues of my complaint : the mishandling of my auto loan and deceptive practices involving the refunding of my Guaranteed Auto XXXXrotection ( GAP ) product.

1. Breach of Contract - GAP Refund Agreement : In their response, Flagship claims that I received a full refund for my GAP insurance. This is misleading and in direct contravention of the agreement we had. The original agreement was for a complete cash refund of the policy amounting to {$990.00} plus interest. Contrary to this, Flagship decided to apply a portion of the refund to my loan balance without my consent. This is a clear violation of our agreement and amounts to a breach of contract as defined under Section 1 of the Restatement ( Second ) of Contracts. This unilateral decision has denied me the rights I am owed under the contract, thereby causing me financial harm.

2. Unfair and Deceptive Acts and Practices Vehicle Surrender : Flagship 's response acknowledges their error in refusing the voluntary surrender of my vehicle due to its mechanical condition. This misinformation is in violation of Section 5 of the Federal Trade Commission Act, which prohibits " unfair or deceptive acts or practices in or affecting commerce. '' This wrongful denial has caused me undue stress and financial burden as I was left to bear the costs of a vehicle that I had intended to surrender.

Concerning the impact on my credit report, Flagship 's acknowledged mistakes and breach of our agreement have directly contributed to my current financial hardship. Their refusal to accept the surrender of my vehicle, coupled with the unilateral alteration of the XXXX refund agreement, have put me in a financially compromising position. This has, in turn, affected my ability to keep up with the loan payments. Therefore, I respectfully request that these extenuating circumstances be considered and any negative implications on my credit report be removed in accordance with the Fair Credit Reporting Act.

In conclusion, I reiterate my request for a full cash refund of the GAP product as originally agreed upon plus interest and for the voluntary surrender of my vehicle to be processed without further delay or negative impact on my credit report. The Consumer Financial Protection Bureau has a mandate to protect consumers like myself from unfair, deceptive, or abusive acts or practices under the Dodd-Frank Wall Street Reform and Consumer Protection Act. I trust that you will uphold this mandate and help me seek a just resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently having an issue logging on to My Equifax to see my credit report and also by using 3rd party companies to see my Equifax report. I was able to see my reports before XX/XX/XXXX and all of a suddenly I can not. I need equifax to fix this issue so that I can see my reports again.
Product: Credit card or prepaid card

I contacted XXXX XXXX on XX/XX/2023 to inquire about interest in the amount of {$14.00} appearing on my account. In addition to, a promotional interest rate. I knew my balance wasnt paid off in XXXX but I paid off in XXXX. With that being said how do I still have interest charges if the balance is paid in full. Also, my credit score is above XXXX why is my interest so high on this card.
Product: Mortgage

Dear CFPB, In a previous complaint to you XXXX XXXX about Nationstar mortgage ( see attachment ) I respond to their requirements and submitted all the documents needed on XXXX XXXX. XXXX XXXX ( point of contact, See attachments ) acknowledge that the documents received and she sent it to the loan modification department. But today XXXX/XXXX/2016, I spoke to nation star employee XXXX - XXXX and he said NO DOCUMENTS WAS RECEIVED. A TRUSTEE SALE DATE POSTED ON MY FRONT DOOR FOR XXXX/XXXX/2016 WHILE I AM IN AN ACTIVE LOAN MODIFICATION. This is not right or fair, this is wrong, please kindly help me resolve this matter. My point of contact XXXX XXXX or the loan modification department has not me since I have submitted my loan documents XXXX/XXXX/2016. On XXXX/XXXX/2016 a trustee sale date was posted on my front door. Please Please help me.