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

On XX/XX/2023 I reviewed an online copy of my XXXX XXXX Profile and noticed a Voluntarily Vehicle Repossession had been entered. The entry had been reported by a XXXX XXXX XXXX located in XXXX XXXX California. Now 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. '' 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 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. '' XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  and the Consumer reporting agencies Equifax, XXXX 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 Equifax, XXXX, XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX  whether it be verbal, non-verbal, written, implied or otherwise is now 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. '' XXXX XXXX XXXX and XXXX XXXXXXXX XXXX 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. Equifax, XXXX and XXXX 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.
Product: Credit card or prepaid card

I received a letter stating that i applied for an ultimate rewards Mastercard and the application was unable to be processed due to requiring my social security number or other identification number. I did call the credit card company and explained what was going on. The representative stated that the application was submitted XX/XX/2023 and was Unable to be processed. The representative recommended to make a report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past few months, I have contacted XXXX Student Loans repeatedly to resolve late payments that have been attributed to my accounts. When I have reached out to XXXX Student Loans, I have been told each time that my accounts were incorrectly marked as delinquent. 

With that information from XXXX, and a documented ledger of my payments being on time ( provided by XXXX ), I opened a dispute with Experian. The dispute was kicked back, as was 4 other attempts. 

When reaching out to Experian as to why this was the case, I was told that XXXX said the late payments were valid. This is a direct contradiction to what I had been told by XXXX and also contradicted the documentation that XXXX had provided which showed payments being made on time, not delinquent.
Product: Debt collection

I wan na request these of the followings : Discover XXXX XXXX XXXX XXXX XXXXXXXX All descriptions have been already paid and closed. I kindly report this to get rid of, in my credit report. Thank you.
Product: Debt collection

The representative was completely belligerant and rude when I ATTEMPTED to let him know that I did not owe this debt. I made him aware that I was elderly and he was not legally allowed to call me anymore at that point he told me there would be a legal judgment placed on me and hung up.
Product: Debt collection

Collection appeared on my credit report with a date of XX/XX/XXXX but was not on my report until XX/XX/XXXX. Debt is not mine and I want it removed from my credit reports.
Product: Debt collection

A person that I was in a relationship with is using my email address for debt collection communication. He lives in another state than I do and I have not any contact since XXXX.
Product: Debt collection

DEBT COLLECTOR - XXXX, XXXX XXXX XXXX, XXXX, NH XXXX CLAIMED COLLECTION FOR : XXXX XXXX {$4600.00}. 

HAVE HAD TELEPHONE CONVERSATION TO ADVISE THE AGENCY TO DESIST FROM COLLECTION EFFORTS AND DO NOT CONTACT ME. AMOUNT LISTED ABOVE IS BEING ADDRESSED AS TO RESPONSIBILITY OF VETERANS AFFAIRS OR MEDICARE. XXXX ADVISES THEY HAVE TOLD PROCO TO STOP, BUT THEY HAVEN'T. 
I HAVE ALSO SENT A CEASE & DESIST CERTIFIED LETTER TO PROCO. STILL, I AM BEING CONTACTED FOR COLLECTION. COLLECTOR ADVISED THEY HAVE NOT BEEN IN THE OFFICE ( LISTED ON THEIR COLLECTION NOTICES ) SINCE 2020 AND CAN NOT CONFIRM RECEIPT OF THE LETTER. ADVISED TO SEND THEM AN EMAIL BUT GAVE AN ERRONEOUS ADDRESS.
Product: Checking or savings account

Hello, I closed my checking account with Bank Of America back in XXXX of 2023. I had a balance amount of ~ {$1300.00}. The bank personnel confirmed me on a phone call and my XXXX account that the bank will post me the checques for my pending amount to my XXXX address. They confirmed me the address, and also said that they have posted the checques. But I never received the checques for my pending amount. When I asked for tracking details, they said that they do not provide the tracking details. 
When I followed up after a month upon not receiving the checques, they admitted that there could be an error from the Bank End and confirmed me that they posted a 'new ' check. 
The above issue happened three times so far, and every time the bank wants me to just keep on calling them to get my funds back. But they are not willing to guarantee any other means to send my pending funds back. 
I sincerely request a legal action against BOFA for such a negligence for past 7 months now. The worst is they are not willing to share any alternate route to send my money back. 

regards, XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to address multiple unresolved issues with the information on my credit report in EQUIFAX, despite prior disputes I filed regarding inaccuracies. I initially reached out to correct discrepancies, including errors in the dates of last payments, dates accounts were opened, payment history, and account status. After providing supporting documentation, I was assured that an exhaustive examination had been conducted. However, as of today, my credit report remains unchanged, and the errors persist. Moreover, I have noticed negative actions have been taken on my credit report despite these unresolved issues. My full name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX XXXX. My date of birth is XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. Under 15 U.S.C. 1681e ( b ), EQUIFAX is required to maintain reasonable procedures to ensure the accuracy of the information provided, and my submitted evidence of inaccuracies shows a failure to do so. According to 15 U.S.C. 1681i, EQUIFAX is obligated to investigate disputes within 30 days, but I have not received any update or resolution. This delay constitutes a violation of my rights. Furthermore, under 15 U.S.C. 1681 ( a ) and 1681b, a consumer report can not be shared without my written consent unless exceptions apply. I request confirmation that my consent was obtained for any recent disclosures of my credit report. As part of my efforts to resolve this matter, I have filed a formal complaint with the Federal Trade Commission ( FTC ) under report number XXXX and expect EQUIFAX to cooperate with the FTC in addressing these concerns. To resolve this promptly, I request a reinvestigation of my credit report, specifically addressing the inaccuracies in payment dates, account opening dates, payment history, and account status. I further request that erroneous information be corrected or removed immediately. Please provide a detailed written response outlining the steps taken to resolve these issues and ensure compliance with the FCRA. If these issues are not resolved within 30 days, I will consider further legal action, including seeking damages for violations of the FCRA. I expect your prompt attention to this matter and resolution within the legally required 30-day timeframe.
Product: Checking or savings account

Called on XX/XX/11 to report fraudulent activity, I had tried to deposit a check that was found to be fraudulent unbeknownst to me. I was the victim of a scam. Specifically a gift card scam. I lost {$3000.00} of my money. All of my accounts : checking and two savings accounts were frozen with no access to other accounts not associated with the checking account involved. I have auto draft accounts that are trying to draw from the checking account and now I am getting charged fees because the account is frozen. Additionally I can not turn off auto bill pay entries because I have no online access to stop these auto payments. I was told the investigation would take 10 to 90 days.
Product: Debt collection

I'm under collection from TRANSWORLD SYSTEM INCXXXX. They claim I have an account from XXXX XXXX TEXAS XXXX. 

I don't know that company. They claim to be an energy company. 

I don't live in any of the cities they claim to service in Texas. I lived in another state from the times they are claiming I owe them. I don't know what they're billing me for. I don't know where or when the supposed debt is from. They're tanking the credit rating agencies. 

I've never seen a bill. I don't know where this is from. I don't have an account with either of these companies.
Product: Student loan

I have made several payments to Navient and not of it was put toward my student loan. It was over {$3000.00}.
Product: Credit card or prepaid card

previous complaint file no. XXXX, where account was opened without my knowledge and never received card. Wyndham said they would close credit card account they have not. I want it closed. The attached letter also has the wrong name listed. XXXX XXXX was deceptive during her presentation and mentioned noting about opening a credit card account which I never received.
Product: Bank account or service

On XXXX/XXXX/2016 - I was retained by Notary on the XXXX, XXXX a vendor of Wells Fargo. I was retained to oversee the opening a safety deposit box at a Wells Fargo branch in XXXX XXXX, FL. Wells Fargo retained the professional services of XXXX to drill open the safety deposit box. Wells Fargo failed to ensure that its vendors operated in an ethical business manner. In conjunction with XXXX, Notary on the XXXX Wells Fargo is defrauding the public by failing to vet its vendors.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX
Product: Mortgage

Ocwen has purposely delayed our Short Sale application which opened XXXX XXXX, 2015 and is still open as of XXXX XXXX, 2015 ( timeline attached with details ). We have signed there requested contracts twice and submitted our financial information twice. Due to there unethical delays we had to go thru a second home appraisal, sign and submit another set of documentation, go thru a second review by the PMI company and now it is costing my husband and I XXXX of dollars in CASH at the time of closing. This is all caused by Ocwen 's incompetence and unethical behavior of charging additional billable hours for the Short Sale process. Each time I speak to a Representative, they ca n't find the information we submitted and do n't know what 's going on. I make appointments with our Ocwen Home Retention Specialist, XXXX XXXX at XXXX but I do n't get a phone call and I do n't receive any messages. Please refer to attached document for detailed timeline and information.
Product: Credit card or prepaid card

A few months ago I found out that I supposedly had a debt for an XXXX credit card, a card that I never and never before had knowledge of, I have never applied or obtained an XXXX credit card, and now this Company Midland Credit Management , INC I have been sued for non-payment, and once again I have been a victim of fraud and identity theft, previously my identity has been stolen several times and credit cards have been opened with my information, I have made reports to the police of all that and also now I made the report of this card that was opened again in my name, I do not have any credit cards for fear of fraud of which I have been a victim several times, I need you to see and understand that I am a victim of identity theft and I have not the slightest interest in having any credit card from any company for fear that my identity will continue to be stolen, thank you.
Product: Credit reporting, credit repair services, 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  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXhis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX XXXXow.with no help.
Product: Credit reporting

I check my credit score every day and on XXXX XXXX my credit score was at XXXX, but when I checked it on XXXX XXXX, 2016 my score had fallen to XXXX ( XXXX devastating points ). I contacted XXXX and Equifax and discovered that XXXX ( Student Loan ) reported my XXXX payment as 30 days late although my payment was due on XXXX XXXX, 2016 and I made my payment on XXXX XXXX, 2016, which is only 15 days late. I would like to dispute the 30 day late payment for XXXX 2016. 
I have attached receipts of my on time payments with this letter for the last six months. My next payment is n't due until XXXX XXXX, 2016, so a receipt for that payment is not included. I am preparing to purchase a home for me and my daughters and am devastated by this set back after proudly watching my credit score rise over the last six months. 
Today, XXXX XXXX, 2016 my score rose by XXXX points to a high of XXXX with XXXX. I have no recent late payments and these credit reporting bureaus are playing with my credit score raising and dropping my score as they see fit. I spoke with the credit bureaus and they provide very limited information. I also spoke with XXXX, my student loan provider and they have confirmed that I do n't have any late payments with them. I have gone through my entire credit report and there are no recent missed/late payments that would 've caused my credit score to drop. This situation bothers me even more today than it did on XXXX XXXX, because my score rose XXXX points today and if if the credit bureaus had not dropped my score on XXXX XXXX I could be well on my way to almost a XXXX credit score. I really need assistance with this because I am making all types of sacrifices to make sure my payments are on time and I am trying to change my life as well as teach my teenage daughters about credit in the process. Please help me with this i beg of you!! 
Also, on my credit report it shows that I did n't pay the full balance to XXXX for a XXXX XXXX account I had. I have attached receipts to show that the account was paid in full. 
Please let me know if you need any additional information to expedite this request.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion regarding their failure to conduct an investigation into inaccurate items on my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I sent a dispute letter to TransUnion, requesting an investigation into inaccurate items and incorrect personal information listed on my credit report. Despite providing all necessary documentation, including a copy of my photo ID, social security card, and a recent bill with my current address, TransUnion has neglected to conduct the required investigation. 

In an attempt to rectify this matter, I sent a second dispute letter on XX/XX/XXXX, via XXXX mail ( Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX ), once again requesting an investigation into the disputed items. Despite the tracking information confirming delivery, I have not received any response from TransUnion. 

The only communication I received from TransUnion was a letter dated XX/XX/XXXX, stating that they received a request containing my information but questioned its authenticity : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
I want to emphasize that both dispute letters were sent directly from me and included all necessary documentation to verify my identity and address. 

It is evident that TransUnion is in violation of the FCRA, which mandates that credit bureaus conduct a reasonable reinvestigation when the completeness or accuracy of any item of information in a consumer 's file is disputed. Despite multiple attempts on my part to initiate this reinvestigation, TransUnion has failed to fulfill its legal obligations.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023, I was coming out of XXXX XXXX XXXX  where XXXX men of XXXX approached me asking to help them. They needed money transferred to a XXXX  card from a XXXX XXXX account. Due to feeling afraid and bodily harm, I did my best to comply after the XXXX became irate and defensive. I handed my phone over where my bank app was open and someway somehow, they were able to open up a personal expense loan for {$7000.00} dollars. They claimed it was their money, I immediately called XXXX XXXX where they explained they opened up a loan. I did not understand how this was able to happen as there should have been a security window to get through. For example, code word or social security number. XXXX XXXX received an affidavit of forgery and investigated it further to realize no error was done. I honestly disagreed with this investigation, so I filed an appeal. At the end of the day, I was placed in harm 's way and XXXX XXXX still has this loan open where I am unable to make payments. I feel this needs to be wiped off my credit. While it says, I am the borrower of the loan - I did not authorize this. These XXXX men were able to get through to get a loan without proper security measures.