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

I am the consumer this is not a XXXX party speaking on my behalf. I have submitted numerous letters to each credit reporting agency to have items that i the consumer, did not give consent to be on my consumer report removed. The companies continue to verify the information without submitting the method of verification and providing documentation of the investigative consumer report. There are also accounts listed on my consumer report that are not mine and are fraudulent. Pursuant to 15 USC 1681a ( 4 ) this is a violation of my privacy because these agencies are furnishing private information without my express written consent, these actions also constitute identity theft by each credit reporting agency.

While the agencies continue to report these accounts as verified this is also a violation of federal law and fraudulent activity on the part of each of the credit reporting agencies. Pursuant to 15 U.S.Code 1681a ( 2 ) ( A ) ( i ), information reported can not be only transactions between myself the consumer and the companies listed on my consumer report. Furthermore, I, the consumer was never given a chance to direct whether I wanted certain information furnished pursuant to 15 U.S.Code 1681a ( 2 ) ( A ) ( iii ), neither of these agencies offered me a chance to opt out of the reported information. 
I, the consumer am also aware that using the identifying information of another person without authorization constitutes identity theft in accordance with Regulation V 12 CFR 1022.3.

Pursuant to 15 U.S.Code 1681b ( a ) ( 2 ) CRAs need written instruction to make a consumer report by the consumer. I, the consumer, never gave express written consent or authorization for any negative information to be furnished. These reporting agencies have committed fraud by using my identifying information without any lawful authority to furnish the information, by definition these credit reporting agencies have committed identity theft.

Pursuant to 15 U.S. Code 1681c-2 ( a ), if I, the consumer, provides a consumer reporting agency, with appropriate proof of the identity, a copy of an identity theft report, and a statement by I, the consumer stating the information in connection with all furnished account information is not relating to any transaction by myself, the credit reporting agency is required to place a block on my consumer report on the information associated with the accounts listed within 4 days of receipt of the identity theft report. 

On XX/XX/2021, I sent each credit reporting agency an identity theft report filed with the Federal Trade Commission with identifying documents attached ( drivers license, social security card ) and a statement from I the consumer, via certified mail.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX CHILDSUPPORT XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicates that not only Zelle neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving Users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has some accounts on my credit reports that are not mine. 
i did not give XXXX my permission or authorization to report. 

accounts ; XXXX/XXXX XXXXNOT MINE, PLEASE DELETE XXXX   XXXX/XXXX  XXXX  XXXXNOT MINE, PLEASE DELETE XXXX/XXXX   XXXXNOT MINE, PLEASE DELETE XXXX XXXXNOT MINE, PLEASE DELETE XXXX XXXX  XXXX XXXX XXXXNOT MINE, PLEASE DELETE XXXX  XXXX XXXX XXXXNOT MINE, PLEASE DELETE XXXX   XXXX XXXX XXXXNOT MINE, PLEASE DELETE XXXX   XXXX XXXX XXXXNOT MINE, PLEASE DELETE
Product: Money transfer, virtual currency, or money service

Bank transfer for XXXX asked for a reverse order and still nothing back since XX/XX/2021
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER TACTICS FROM TRANSUNION.
Product: Student loan

NAVIENT consolidated the Loan amount stated below on XXXX/XXXX/XXXX but only shows payments from XXXX/XXXX/XXXX. When I contacted them to protest the balance they claimed that they do n't have records for the previous 5 years. I 'm frustrated by their lack of accountability in managing my account balance. I also started a XXXX in XXXX and should have qualified for Loan forgiveness under the Navient Guidelines for Forgiveness & Discharge,  but again, I received no assistance in this matter. My XXXX XXXX has been active and Filed all Tax returns through XXXX. When I heard they were being Sued by the CFPB as well as three Attorney 's General, I investigated and feel well within my rights to file a complaint to seek relief from this " Never Diminishing Balance '' The following are facts pertinent to my Loan obligation with NAVIENT * {$68000.00} in consolidated Student loans, * XXXX per month payment, amortizes out to 4.125 % over 30 years Leaving a balance ( allowing for 12 months of deferment ) OF {$50000.00} * Current Balance, however, is XXXX * Missing payment Schedule between XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX Eligible for Loan Forgiveness from XXXX when XXXX XXXX was approved. 
* Balance should be {$50000.00} ( not calculating the payment increase to {$340.00} )
Product: Credit reporting or other personal consumer reports

I have identified that TransUnion and XXXX are reporting inaccurate information regarding an account with XXXX XXXX Bank on my credit report. This account has been transferred or sold to a collection agency, and, therefore, XXXX XXXX Bank no longer owns it. Despite my request with the credit bureaus to re-investigate this account TransUnion and XXXX failed to provide within 30 days how they validate the account to be accurate when the last update shown is XX/XX/year>, and TransUnion and XXXX have not removed the inaccurate information from my report or furnish information on the account, which is violation of the Fair Credit Reporting Act ( FCRA ), 15 USC 1681.
Product: Vehicle loan or lease

No personal information fue to my identity was stolen. I been going back in fourth with this company since XXXX. This has told on my mental health due to my disability. They constantly put remarks on my credit file Update : There's been a change to your BRIDGECREST CREDIT COMPANY.LLC account, XXXX. Tap for details. 
Update : There's been a change to your BRIDGECREST CREDIT COMPANY , LLC account, XXXX. Tap for details. 
Update : There's been a change to your BRIDGECREST CREDIT COMPANY.LLC account, XXXX. Tap for details. 
Update : There's been a change to your BRIDGECREST CREDIT COMPANY , LLC account, XXXX. Tap for details. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX { XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Constantly it went from XXXX now to XXXX. A new state law introduced in XXXX aims to protect people from zombie debt. It also requires debt buyers to provide written notice if they are taking action past the limitations period. The statute of limitations on debt in Texas is four years. 
Section 392.307 of the Texas Finance Code This section of the law, introduced in XXXX, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired.. Next I will be contacting FTC .and report the compay to Division of motorist services complaint affidavit. Seeking compensation due to humiliation and mental health damages. The statute of limitations on debt in Texas is four years. 
This section of the law, introduced in XXXX, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. 
XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request an investigation and dispute for a derogatory mark I received on my Credit Report from my Alliant Car Loan ( XXXX XXXX XXXX  ). 

On XX/XX/XXXX I was alerted through my XXXX account that my credit score had gone down 91 points. I pulled my credit report and saw a derogatory mark. I called my loan provider Alliant and they said it looked like I did not have insurance XXXX XXXX even though I in fact have insurance for those three months. I called XXXX ( my insurance ) and they said this was caused by a glitch that occurred in the XXXX system.This glitch caused an increase in my car payment from Alliant, which I did not know about. I never received any documents in the mail about my the contracted amount going up. This resulted in an {$8.00} past due on my credit report and a derogatory mark. My account is on autopay and I did not realize the amount had been increased due to the glitch, even though I did have the proper insurance and was paying for it on time every month. I have always paid all of my car payments before this all happened.

Alliant told me to call XXXX Solutions to have my XXXX insurance verified since Collateral Protection Insurance or Force-Placed Insurance was put on my auto loan account, which caused my contracted amount to go up even though I did actually have my own insurance / was paying it on time. Documents have been sent to XXXX Solutions from XXXX to show proof that I did have insurance XXXX XXXX. I was told by the XXXX Solutions that I would receive a refund for what I had to pay when my car loan went up and my account has been updated to show that I did have insurance and my auto loan amount will go down to my contracted amount in around 3 weeks. 

I filed a dispute with Alliant on XX/XX/XXXX and asked them to remove the XX/XX/XXXX derogatory mark and they did nothing help to take the derogatory mark off my credit report even though I did have insurance the entire time and provided documentation.
Product: Credit card

I have US Bank Business credit card ending in XXXX. 
For no good reasons I need to have two online IDs to deal with one credit card account ending in XXXX One user ID XXXX And another one XXXX  For one single card ( account ending in XXXX ) -they have XXXX accounts ending in XXXX and ending in XXXX XXXX XXXX Main card account is XXXX but rewards come in account XXXX. Rewards from account XXXX can not be statement credited to account XXXX. Thats so ridiculous. 
Essentially US Bank simply can not work with Small business. If some business want to deal with US Bank they need to hire army of employees and become as inefficient as US Bank. 

When somebody tries to do a chat, chat is never available Always an issue. 

Now call the phone # XXXX At least XXXX transfers and that annoying XXXX bot which is doing every possible effort to not let a customer service human talk to customers. 

And even if you talk to the humans those humans are more like inhuman-no empathy, no customer service in their mind. They simply never create a case and hang up the phone without listening to the customers complaint. 

For the last 6 months I have this issue. I am the single person Business. I want one credit card userID and one credit card account number which shows me the balance so that I can setup automated payments to make the payment as simple as that. 

I dont want all this useless XXXX XXXX etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wellsfargo refuses to accept payment on account, even though i have payment posted to them multiple times.
Product: Credit reporting or other personal consumer reports

In Acordance with the Fair credit reporting ACT Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 {$5500.00} Has Violanted my rights.

.15 USC 1681 SEC 602 A State I have the rights to privacy.

.15 USC 1681 SEC 604 A SEC 2 Its Also state a consumer reporting Agency can not furnish a Account without my written instructions.
Product: Vehicle loan or lease

On XX/XX/XXXX, {$1700.00} was paid to Kia Finance company for my XXXX XXXX XXXX. The bank charged it back on XX/XX/XXXX and it was removed from my Kia account. I spoke with the bank and rectified the problem and they cancel the dispute and said it was a good charge and would not seek out to collect the money back. Kia said they sent the money back same day on XX/XX/XXXX and said it goes back immediately however no funds have returned to my bank and the back has said they have not received anything. At this point, XX/XX/XXXX, I have yet to receive my money back from Kia and they have removed it from my account and can not provide me any information on the missing funds and are essentially stealing the {$1700.00} from me. They also are now telling me that they never received the funds.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- XXXX XXXXXXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Mortgage

14 days prior to closing the loan officer ( Bank of America ) stated they made a mistake and we needed to wipe all debts and come with an additional XXXX to closing. Had to liquidate all assets and loss all future investments in 401k. 

Bank of America made a mistake and was double dipping on tax and insurance on current mortgages.
Product: Debt collection

I was approved for a line of credit in the amount of {$20000.00} from XXXX at XXXX XXXX XXXX, XXXX, Georgia XXXX. The line of credit was to purchase custom window on XX/XX/2017 from XXXX XXXX at XXXX XXXX XXXX, XXXX, TN XXXX. There were issues with the original contact, I contacted XXXX XXXX, did another contract which changed the total price. I called Greensky to cancel my contact, I also called and physically went to XXXX XXXX to cancel my contract as well. The following week I received a bill. I have all documentation and correspondence with both companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX  is reporting inaccurate information on COMENITYBANKXXXX Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, Medical Revenue Services added a collection to my XXXX credit report a derogatory mark per my XXXX. Upon further research, this account was transferred/sold and I am longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was no written form of communication, contact, or signature for this debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, Medical revenue services have violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint on Equifax because they took well over 30 days to get back with me with a 3rd round of dispute results. They are required under the FCRA to immediately delete the disputed items after taking over the required time to get back with consumers. Thus, my complaint 's desired fair resolution was to have the items deleted, especially because IT IS LAW. I explicitly stated : " I am seeking deletion of the items that I last disputed with Equifax. A fair resolution to this issue is for Equifax to delete the disputed items as required under the FCRA and FDCPA, considering they have not responded in the required timely manner to my disputes. In addition, due to the system glitches they informed me of via phone. I am providing my phone number on this complaint so that they can possibly look up any calls made. Nevertheless, they should already be aware of the glitches they faced weeks ago. What is basically fair is for Equifax to abide by the law -- the FCRA and FDCPA -- and delete those disputed accounts. Aside from the issue of time, they haven't even validated or verified these disputed accounts. I have done my best to do my due diligence and pursue due process, but their negligence has disrupted this process. '' Nowhere did I allow for them to get away with doing another pretend round of investigation, partly because they are NOT allowed to. ( Another complaint issue aside from reporting practices are their communication tactics, such as what I am describing ). They are once again in violation of the FCRA, and I demand that the disputed items be removed. Oh, and to add another violation to that major one -- to top things off -- in their new pretend investigation, they once again did not provide a shred of proof to me, the consumer, verifying & validating these accounts! Once again, just another bunch of " verified '' claims without providing documentation! The law states under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) that original consumer documentation is required to consumers, particularly upon their request. Furthermore, you have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. What gives Equifax the right to house my personal information and consumer credit information on me if they themselves have not seen let alone provided to me a shred of proof?! I am prepared to sue for damages. They are NOT supposed to report information that THEY DO NOT EVEN HAVE PROOF OF AND ARE JUST TAKING COMPANIES ' WORDS FOR THAT THEY'RE SUPPOSEDLY 'VERIFIED ' AND 'VALID '. I am absolutely disgusted at this and DEMAND that these disputed accounts be immediately deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my information might have been in the wrong hands or part of a data breach these following inquiries and account does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also account from XXXX XXXX XXXX XXXX
Product: Mortgage

Aloha! 

I am a homeowner on XXXX, Hawaii and I have a mortgage with Plaza Home Mortgage company. I applied for the PMI removal process in XXXX of this year and on XX/XX/XXXX I received email confirmation that I began the application process to do so with the company. It took several months for them to even generate the necessary documents for the next step. I submitted these documents with a non refundable check for {$450.00} to pay for the required appraisal. They insist the appraisal must be done through their approved agency. The check was cashed XX/XX/XXXX. I still have not received any indication that they intend to schedule this appraisal. I call in on a weekly basis where the same script is recirculated we are escalating your case They continue to stall claiming the department is backed up or that my request was accidentally cancelled. They claim I am entitled to a refund for the time I have been waiting. My Loan-to-Value is well above 80 % needed to remove the PMI and its my belief the company is attempting to stall this process until the housing market recedes. XX/XX/XXXX will be the XXXX month in this process, 5 months since they cashed my appraisal check, and no progress has been made. Im not sure what steps to take next.
Product: Credit reporting or other personal consumer reports

Navient Solutions , LLC, a third party servicer, has been sending my private information to credit reporting agencies about student loans for more than a decade on individual and co-signed loans. As a third party servicer, they had no expressed permission to do so, and release all of my identifiable information ( SSN, DOB, name address ) to XXXX, XXXX, XXXX, and XXXX especially since XXXX had a major security breach that I was involved in. They have never made it clear by whose authority they believe they have the right to release this information. 

I have called and complained to customer service that they are not suppose to release private information to credit agencies pursuant to FERPA and teh Privacy ACt of 1974. My requests have been ignored. However, I have discovered that Navient has a history of doing this to consumers, which has resulted in legal action in the past by others.

There actions have damaged my credit score rating and hindered my ability to conduct business and access other forms of credit.
Product: Debt collection

XXXX XXXX calls me daily twice a day during work hours. Their calls are stressing me out and I am starting to have anxiety because of their daily calls.