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, Equifax and XXXX 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. 'XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. 'XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX, Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Equifax, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. Per 15 USC 1681a ( 2 ) ( A ) ( 1 ) reporting transaction history is ILLEGAL. 12 CFR 1022.3 defines IDENTITY THEFT as a fraud committed or attempted using the identifying information of another person without authority. 15 USC 1681o is civil liability for non compliance. I never received a 30 day opt out notice per 12 CFR 1016.7. Nor was I given reasonable opportunity to opt out per 12 CFR 1022.24. I am requesting XXXX, EQUIFAX and XXXX to provide documentation used to determine reporting transactional history was authorized by me the federally protected consumer signed with a wet ink signature. XXXX, EQUIFAX and XXXX have 15 days provide me with name of person spoken to, documentation used and any proof of reporting authorization. This information is being reported and used fraudulently as I have not given authorization or permission to use it especially my non public personal information.
Product: Debt collection

Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to Transworld System Inc. I had my Personal financial Consultant speak on my behalf. XXXX XXXX XXXX spoke with Transworld System Inc. This was a XXXX XXXX Account and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by Transworld System Inc. In this case the debt should be removed from my credit report and out of the office of XXXX XXXX XXXX because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can not collect in the state unless they are register by the State of Texas and bonded.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX, XXXX Inquiry that I didn't authorize. The company said they didn't run my credit and I got alerts from XXXX Transunion and XXXX. They are in denial and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XXXX Inquiry that I didn't authorize. The company said they didn't run my credit and I got alerts from XXXX   Transunion and XXXX. They are in denial and I want this fraudulent inquiry removed. 

XXXXXXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 


I have a fraud alert on my account that states do not run credit or extend credit without contacting me personally, so I don't understand how these companies got away with doing this without my consent. I'm requesting removal of these fraudulent inquires and an updated credit report from all three Bureaus. Thank you
Product: Money transfer, virtual currency, or money service

I had a CD with Ally bank since 2020, closed the CD out for over 2 weeks now. The first message was that Ill get my check in the mail between 7-10 business days. 10 business days passed I didnt receive the check. I called them and was told the check got returned because of my address. Verified my home address with them on the phone that it was correct with what they have in the system. I was told that day that they have expedited the process for me to receive the check between 2-3 business days. 3 business days passed and I still havent gotten the check. I called back again, and was told the check hasnt been mailed. That it will be mailed out soon but they can not even give me any tracking number or courier that theyre using. Its my hard earned money Im trying to get back from them and theyre giving me a run around of my money. Im not even going to talk about the hours I have spent on the phone with them or them hanging up the call on me. To receive a check within the states should be maximum 5 business days. I told them today that Ill be filling a complaint with CFPB.

Thanks.
Product: Credit reporting

I never lived outside the state of XXXX except for when I was in the XXXX and then it was not in the state of XXXX. XXXX was in XXXX and my XXXX was in XXXX and I was station in XXXX. I never lived in XXXX. I reported this to the credit bureau once before.
Product: Debt collection

Repeatedly calling me about a medical debt and told me that I should be getting the notice in the mail but the doctors office never contacted me and I paid a bill from that doctors office in XXXX of 2020. Its the same woman that is calling and she leaves the exact same voicemail every time. The doctors office is XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I found an issue in my consumer report regarding my credit account with XXXX XXXX XXXX ( Account Number : XXXX ). There's an unexpected 60-day late payment entry, and I believe it needs prompt attention. 

I kindly ask for a thorough investigation into this matter, along with documented evidence like statements supporting the legitimacy of the reported 60-day late payment. I'm eager to understand the basis for this entry and hope your agency can provide clarification. 

If, upon investigation, you can't confirm the accuracy of the 60-day late payment entry, I insist on a quick update of the record to show the accurate statuspaid on time. My consistent payment history reflects my commitment to financial responsibility, making this sudden deviation confusing. 

I appreciate your prompt attention and cooperation in resolving this efficiently. Accurate reporting is crucial for credit information credibility, and I trust your agency will handle this with the necessary diligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX account appears linked to an address on my credit report. Neither account nor XXXX Ky address are mine. With another dispute I sent the request to investigate and upload documents Experian requested they need to identify my identity. I attached what I sent them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and from the period of XXXX there were hard inquiries to all three credit bureaus. Later it was discovered that there was a fraudulent loan issued. On XX/XX/XXXX I placed a credit freeze and fraud alert with all three credit bureaus, XXXX. XXXX and Equifax. XXXX and XXXX worked with myself and the creditors to get all information removed from my credit report, however Equifax has made this process extremely difficult and time consuming and are refusing to remove the four hard inquiries on my credit report with information provided to them. Two of the Credit agencies in which the fraudulent applications were made and represent two of the hard inquiries, sent letters confirming the fraud and indicated they would notify the agencies to get them removed. Equifax claims never to have received them. I sent a large fax on XX/XX/XXXX which included a police report and FTC report., and the two letters regarding two of the hard inquiries confirming that the inquiries were fraudulent.. I phoned them on XX/XX/XXXX and they indicated that the FTC report had to include the specific inquiries in their file. The FTC only allows 3 to be listed and I had 13 hard inquiries from the 3 agencies. I then sent them another fax on XX/XX/XXXX including another claim with the FTC with the specific inquiries, and phoned this morning and they indicated that it is not in my file and it may take 5 business days to process and once complete, I will get a notification of the results by mail. I don't know if at this point it will be adequate as each time I contact them, they want something more. I have attached a copy of the faxed documents excluding my identification, which was included in the fax to them.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX, Account # XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay. With the attached PDF they must all match in Year and Month and they are not to do so.
Product: Student loan

I had negotiated in good faith a repayment plan at a low 1 % rate to payback of my loan. After 6 months of making this payment plan, I noticed online that I was reverted back to the original high-interest rate. I called Navient and was told that I would need to renegotiate the loan rate and amount ever 6 months and that the rate would increase incrementally higher as they saw fit. After a second renegotiation of the loan, they said I was making to much money ( nothing had changed in the last 6 months financially for me ) and that I would have to wait a month and try again. In the meantime, I am paying high-interest rates and fees. On the third negotiation attempt after receiving a " make us an offer '' letter in the mail saying that no reasonable offer would be refused for a one-time payoff or installment payments. I was told that that was just an inaccurate letter and that the information on the letter was incomplete and that certain criteria that need to be met. I was also told as this was my XXXX number of repayment plan request that now I had to send in three months of banks statements and payroll statements, which was never mentioned before. They are telling me that they can not give me my original 1 % interest payment and now have raised the monthly payment more because that plan that I was no longer being offered. Nothing about the letter was really for real it was very misleading and only makes this debt impossible to payback. These private student loans are creating the new indentured servitude of the 21st century. I am so frustrated with this company and its predatory loan practices. Navient is making it impossible for me to get another loan because they have driven my FICA score so low. Please Help
Product: Mortgage

As a first time buyer back in XX/XX/XXXX, I entered into a mortgage at XXXX XXXX XXXX XXXX XXXX XXXX ca with Wells Fargo Bank for {$200000.00}. A year later, I requested a XXXX loan to fix do repairs on the house. The XXXX Account number : XXXX. That year is when the market crash and I lost my job. I also went into foreclosure along with millions of people at that time. The house was resold and the bank wrote off the lost. 

My issue is that the heloc should have been wrote off along with the mortgage. Wells Fargo has refused to do this. I have been paying on this loan since XXXX, with no end in sight. 
I have paid more that double the {$40000.00} that I borrowed on this loan. Can you assist me in ending this predatory loan. 

Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Some one from the US SM BUS ADMIN ODA, made a hard inquiry on my Experian credit report. on XX/XX/2020. 
I did not authorize an inquiry and I have NOT applied for a small business loan or an Economic injury Disaster loan.
Product: Student loan

I have had this problem for over a year now ... Every time I make a payment, despite having my profile indicate that I want payments to advance the next payment due date ; this is not happening. The due date is only advanced after I call the lender and not automatically with my payment as requested. They know this is an ongoing issue and have still not fixed the problem ( despite being told each month that it has been fixed ). 

When they adjust the payment, for some reason, they also adjust the amounts applied to interest and to principle -- making transparency of how my payments are being applied close to impossible. Why would the amount of interest and principle paid change because the due date was adjusted?
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of your report ( shared without consent, credit inquiries from unknown sources ) XXXX Experian XXXX XXXX ( Original Creditor : CITY OF XXXX FL ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) BALANCE : {$150.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX  Experian XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) BALANCE : {$1600.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX Experian XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX Experian XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX  Experian XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX Experian XXXX  XXXX BALANCE : {$130.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX  XXXX XXXX XXXX BALANCE : {$920.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX  XXXX XXXX BALANCE : {$0.00} STATUS : PAID ACCOUNT # XXXX XXXX  Experian   XXXX   XXXX XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT XXXX XXXX XXXX XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT # XXXX XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT # XXXX XXXX  Experian XXXX  XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT # XXXX Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Experian XXXX XXXX XXXX Finance Reseller XX/XX/2018 XXXX XXXX XXXX Finance/Personal XX/XX/2018 XXXX   XXXX XXXX XXXX XX/XX/2018 Experian XXXX XXXX XXXX XXXX   Credit Cards XX/XX/2018 XXXX  XXXX XXXX XXXX  XX/XX/2018
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - Account Number : XXXX XX/XX/XXXX Account Name : XXXX - Account Number : XXXX XX/XX/XXXX Unauthorized inquiries : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have been try to disputed with CAVALRY PORTFOLIO SERVICES about this collection debt because I never signed up any documents with them for debt I see i own them {$2000.00}
Product: Debt collection

Had judgment against me after it was paid off they still took money out of my check even though it was paid off because they still said that I owed
Product: Mortgage

I tried to file this complaint on yesterday and show that before it can even be investigated that it has already been closed by the CFPB. This service come is bad. When I go on line and report to the XXXX there are hundreds of complaints of the poor service they do for the consumer. My complaint is still that they add fees and charges and hold payments for months and then report that you are late to the credit bureaus. This information is not true and I have sent them the factual information.
Product: Checking or savings account

on XX/XX/XXXX I filed a claim regarding XXXX transactions being made after my wallet was stolen on XX/XX/XXXX. On XX/XX/XXXX my claim was denied and then I sent a police report to show I had evidence that my card was stolen. XXXX XXXX still denied my claim so I called customer support. They told me my claim was denied because there were charges on my debit card using the pin after my card was stolen. XX/XX/XXXX I called them back after going through my account. I found that any purchases I made after XX/XX/XXXX were all made using my digital wallet or the card number which was on file with certain companies. I tried to file another dispute with XXXX XXXX they told me that because the claim was made last year that the case was closed and the decision was final.
Product: Credit reporting or other personal consumer reports

LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

FOR MONTHS, I have been going back and forth trying to solve this problem for some time with your credit reporting agency and the corporations and debt collectors you authorized to put fraudulent, inaccurate, and unauthorized items on my credit report without my written instruction or permissible purpose. The importance of this issue is you continued to report items as well despite the items not being 100 % accurate under 15 US Code 1681e ( b ). YOU MUST UNDERSTAND THAT THIS IS NOT A MISREPRESENTATION OR HAVE BEEN SENT IN ERROR. THIS IS INDEED FROM ME AND I AM FULLY AWARE AND CAPABLE OF WHAT I AM DOING. PLEASE DO NOT UNDERESTIMATE ME, AND INSULT THE LEXICON THAT I HAVE SPENT MY WHOLE LIFE ESTABLISHING. I am THE LITIGOUS CONSUMER WHICH MEANS I AM unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. THIS IS MY OFFICIAL NOTICE TO YOU AND LAST WARNING BEFORE FEDERAL COURTS ARE INFORMED. These items should be deleted immediately while in litigation per FCRA guidelines. if you fail to comply with Federal Law and not delete these items after receiving this paperwork will result in your company owing 1,000 per violation. Please, within 14 days of receiving this notice, mail the results or anything that has been attempted on my credit file.
Product: Money transfer, virtual currency, or money service

As the XXXXXXXX XXXX XXXX XXXX 501 ( c ) ( 3 ), I made a payment to a contractor usin

g PayPal. PayPal reported to me that the payment would have no fees and reported the gross and net of the transaction as being the same, even after the payment was submitted.

The recipient reported to me that in fact, PayPal did charge fees, which I would have no way of knowing if that hadn't been reported to me.

This practice has been going on for YEARS. I have to constantly dispute transfers where PayPal charges fees on the recipient end and doesn't report it on the sender end. How much money is PayPal skimming off the top with this deceptive practice? I've asked them multiple times to stop this practice, but they continue unabated.

I have multiple personal PayPal accounts and have seen this happen when transferring funds between my own accounts, so I've seen it happen to myself, but I'm including a current example in the attachment.
Product: Credit reporting or other personal consumer reports

Hey i am a co signer for XXXX XXXX and I need help with my credit report there is alot of errors I received a charge off after a total loss I have proof that the creditor/bank sent me a letter stating the account was paid in full and never received anything regarding a remaining balance they keep reporting the charge off every month I tried to dispute multiple times but they will not correct it they are reporting late payment and the charge off every month which is affecting me a lot the amount of the charge off is {$2400.00} lam now being harrased by 2 collection agency XXXX XXXX and XXXX XXXX XXXX  I refuse to pay a collection that is not mine or had no knowledge of after my total loss accident since they bank sent me a letter saying " As of the date of this letter, your account is considered as paid in full subject to a final accounting and receipt of good funds. '' please help me pleaseeeeee
Product: Credit card

On my Credit report a report of a charge off of {$4.00}, XXXX written off. {$4.00}, XXXX past due as of XX/XX/XXXX. Request for a debt validation, and XXXX was requested with no response. 

My letter requested XXXX sent Account was charged off in please send a XXXX XXXX I have never received one Federal regulations require the creditor to file an information return on Form XXXX with the IRS. 26 C.F.R. 1.6050P-1 ( a ) ( 1 ). In addition, the creditor must also provide the debtor with a copy of the XXXX for his or her records. Id. XXXX ( f ) ( XXXX Capital One  XXXX Account was charged off in XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Account info Account name CAPITAL ONE  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$4.00}, XXXX written off. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4100.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$3800.00} Highest balance {$4100.00} Terms - On record until XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX I leased a Honda I paid the payments on time & returned it in XX/XX/XXXX, its now on my credit report & has me owing {$5200.00} I reached out to all 3 credit bureaus & advised them of the inaccurate information, XXXX Removed this account & few months later its back on my report