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

Homebridge financial in XXXX Ca pulled my credit file without any authorization whatsoever from me in XXXX. This has had a damaging effect on my credit file. I contacted the credit bureaus and they are telling me they have no control over what they report and print, That the only one that can remove this is the [ party that put it on, in this case Homebridge Financial. 

These guys pulled my credit in XXXX with my permission to do a refinance of my home. Then they went and pulled it a second time in XXXX without my permission. This is Illegal and against the law. My name is XXXX XXXX and my social sec # is XXXX my dress is XXXX XXXX XXXX XXXX XXXX ca XXXX.
Product: Credit card

I had attempts to open a credit card for numerous banks and retailers from XX/XX/XXXX to the XXXX of XX/XX/2023. The companies are Capital One, XXXX which is a bank, XXXX XXXX, XXXX Bank and XXXX XXXX I never reached out to any of these companies nor banks about opening an account or any type of service from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is something seriously going on with my credit. I keep seeing some hard inquiries that are not mine or associated with me. I am a victim of identity theft, the 3 major bureaus have my proof already. I just checked my report again, and am see some hard inquire that aren't mine. I want them delete immediately, and i am asking for my credit report to be correctly update, and current. According to the law, all hard inquire reporting on a consumer 's report must have a permissible purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I still see items that aren't mine. I have reached out to the FTC and to my local police department and I am doing this on my own behalf, I don't understand what's going on but these items are not mine and all these items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. ( lnquiries ) : XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX.
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. 

In accordance with the fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A 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

XXXX, XXXX, a dispute was submitted to XXXX. It was noted by me in XXXX that principal amounts of the students loans are incorrect. During the course of these loans, the service providers have changed several times and the principal amounts changed as well. Instead of bringing the balance to XXXX  when transferring the loans from one servicer to the next, it stayed. The time period that is being disputed is XX/XX/XXXX and XX/XX/XXXX. XXXX records says that XXXX XXXX XXXX XXXX  and the XXXX XXXX submitted to XXXX XXXX XXXX  {$26000.00} on XXXX XXXX and on XXXX XXXX, submission of {$15000.00}. Keep in mind a XXXX XXXX was provided to me during these time periods and the tuition was less than {$10000.00} for the whole year. A dispute was made with XXXX and they indicate that these amounts are accurate and the principal balance is correct as indicated. The principal amount grew each time there was a new servicing agency. Example, XXXX XXXX XXXX XXXX transferred {$5500.00} to XXXX. Once transferred the balance for the XXXX XXXX XXXX should have been XXXX, while XXXX would show {$5500.00}. Instead it shows that the principal amount is {$11000.00} instead of {$5500.00}. Then when it transferred from XXXX to the next servicing agency, instead of showing the {$5500.00}, its now showing as {$16000.00} during the semester of XX/XX/XXXX. The same action happened for XX/XX/XXXX. This is ludicrous, the tuition was paid with a XXXX XXXX and part of the student loans. These amounts that are showing as accurate in the credit Bureaus are incorrect. As an XXXX, theres no way these amounts were given to me while at XXXX XXXX XXXX. It is the changing of the student loan servicing agencies that has driven up the principal of the loans. Each service provider is showing the same loan, XXXX is combining the amounts as accurate and they are not. Moehla is the new service provider and the principal is now over {$57000.00}. Theres no way the principal grew like this. The last semester that school was attended by me was the fall of XXXX. Unfortunately, for me, repayments of the loan was steady for 14 months during the time period of XXXX, I fell on hard times and was not able to continue making {$300.00} plus each month. Started raising my granddaughters. Its the servicing agencies not reflecting a XXXX balance after transferring the loans to a new agency. XXXX now, working part time and still taking care of my granddaughters. This incorrect amount is a heavy burden on me, different if it was accurate.
Product: Credit card

I used my credit card to place a XXXX deposit for a cybertruck. I no longer want and trying to get a refund. I requested a refund on their website and it states error. From what I can tell this is a problem many are facing. Called XXXX and they transferred me to sales and they have no people to answer the calls or to leave voicemail.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's rights to privacy. 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 it 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  ) 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 consumers report under the following circumstances and no other : in accordance with written instructions of the consumer whom it relates. '' ( XXXXXXXX XXXX XXXX XXXXXXXX ) the financial institutions and the Consumer reporting agencies Experian does not have my consent to furnish this information and they surely do not have my written consent. Any consent to Experian, ( XXXXXXXX XXXX XXXX whether it verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states a Financial Institution may not disclose nonpublic information to nonaffiliated third party unless : the consumer is given an explanation on how the consumer can exercise that nondisclosure option. '' XXXX XXXXXXXX XXXX XXXX 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. '' These accounts are adverse items that reporting without my permission which is illegal and against the law. 15 USC 1681 s-2 ( A ) ( 1 ) A " states a person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of this section 1681 c of this title and to limit the furnishing of consumer reports to the purposes listed under this section 1681b of this title. '' Experian, is not maintaining reasonable procedures. also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. And I'm opting out of your reporting services.
Product: Payday loan, title loan, personal loan, or advance loan

Possable loan financial Account # XXXX Open date : XXXXXXXX  Emailed them multiple times and never received a response and the account says it has been charged off and I havent received a 1099 for it
Product: Student loan

I feel XXXX XXXX ( Navient ) used deceptive practices while financing my degree. There was XXXX debt counseling as I applied for my first loan - the first day of my move in, I was pulled out of line at school and brought to the financial aid office and asked how I would pay for school ( 2003 ). Just turning XXXX, I asked them what do I do - the advisor instructed me to sit me down in a cubicle and dialed XXXX XXXX for me. Within a short time period, I had been approved for $ XXXX, after never holding a loan in my life. This became the norm each year which lead to $ XXXX in private student loans. Have tried multiple times to work with the lender for additional repayment options to no avail. I have currently paid $ XXXX towards these loans and the principle on the loans have only move by {$3000.00} ( from {$100000.00} to {$100000.00}. Roughly 8 years repaying and average payment of {$700.00} a month ). Multiple times I have called for assistance with the repayment and was pushed to a deference ( with capitalized interest ). I feel the company should work with high balance customers like myself to come to terms/agreements that work in both favors ( reduction in interest rate, fixed rate ). After research into this subject, it seems the only way to negotiate is through none payment and eventual default ( leading to ruined credit scores and potential loss for the lending company ). After paying more than {$40000.00} towards my loan, I should see a drastic decrease in overall principle. 

I believe I have experienced predatory lending practices in addition to deceptive allocation of payments and repayment recommendations from the company.
Product: Debt collection

According to my XXXX XXXX report a company known as Security Credit Services is reporting to my credit report that they are trying to collect a {$4700.00} debt. I have never received written notice about this debt. I don't know what it's for. If it is legitimate I haven't been notified where payments can be remitted. A read a lot of reviews from this company that said they don't send written notices they just show up and try to sue people. 

What recourse do I have and what can be done? This isn't legal right? It was my understanding that you need to be notified within 10 days of them mounting collections against you, right?
Product: Credit card or prepaid card

I originally disputed this account on XX/XX/19. I Did not go on the cruise and the cruise company offered a cruise credit. I contacted the company I booked the cruise through and did not receive my credit and also disputed with NFCU. Navy fed denied my dispute I did not receive my money back or get a cruise credit in which the told me I would. I prefer to receive the money back in the same way I paid. How can they just RIP me off without rendering the service.such a scam
Product: Debt or credit management

The company knowingly opened a finance account knowing the seller falsely advertised products geared towards gaining new clients
Product: Credit reporting or other personal consumer reports

I looked at my XXXX credit report on XX/XX/2024 and noticed an account that is NOT ACCURATE. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 


XXXX XXXX Account Number : XXXX -PLEASE UPDATE THIS ERRONEOUS INFORMATION And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

This information is invalid and must be deleted immediately as I have experienced extensive hardship over this late payment. 


Under 15 USC 1681e ( b ), THE LAW CLEARLY STATES : ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 


I have attached a screenshot of the late payment in question as XXXX has this payment CORRECT and listed as PAID ON TIME/NEVER LATE on their report. 



I am attempting to settle this privately. Please correct this late payment to PAID ON TIME/NEVER LATE by XXXX  days of receipt of this letter and send me an updated report.
Product: Mortgage

MY HOME INSURANE DOUBLE EVERY YEAR, MAKING IT IMPOSIBLE FOR ME TO PAY MY MONTHLY MORTGAGE PAYMENT, IT IS SIX/SEVEN TIMES HIGHER THAN THE MORTGAGE PAYMENTS. IT IS ADVERTISE THAT THE MORTGAGE RATE IS SO LOW EVEN 1.5 %, 1.75 %, I AM PAYING 2 %. AUTHORITY NEEDS TO CONTROL THE HOME INSURANCE DEPATMENT AND STOP ADVERTISING THOSE LOW MORTGAGE INTEREST RATES, INDUCING PEOPLE TO BUY THEIR HOUSES WITHOUT TELLING THEM HOW HIGH HOME INSURANCE ARE. IT IS NOT FAIR MAKING PEOPLE TO GET INVOLVED IN BUYING A HOUSE KNOWING THAT THEY WON'T BE ABLE TO BECOME HOME OWNER TO GET THEIR AMERICAN DREAM, LIKE MYSELF, I HAVE BEEN PAYING MY MORTGAGE FOR 34 YEARS. AS A SINGLE MOTHER I HAVE WORKED VERY, VERY HARD TO RAISE MY CHILDREN WITHOUT ANY HELP FROM NOWHERE, NOW I AM A SENIOR CITIZEN SCARE OF LOSING MY HOME, IT IS NO FAIR. JUST THE IDEA OF BECOMING HOMELESS OR LIVING IN A SENIOR CITIZEN PLACE TERRIFIES ME. PLEASE HELP ME TO KEEP MY HOME, HELP ME BUYING MY HOME INSURANCE WHICH EXPIRES XX/XX/XXXX, XXXXOR MAYBE YOU HAVE A PROGRAM OR RESOURCES TO HELP ME TO PAY OFF MY MORTGAGE SO I CAN REACH MY AMERICAN DREAM. 
THANK YOU VERY MUCH
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 rights to privacy, confidentiality, and my rights of being a victim of identity theft under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One 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 

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 an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section 2 : 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. 1681 Section 623 ( a ) ( 6 ) If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information, 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. 

XXXX XXXX XXXX
Product: Debt collection

This company has failed to show proof of verified information of proof for this account. The amount owed on the account is {$2300.00}. Three has been no proof what so ever of this account being verified on all three of my credit bureaus XXXX, XXXX and XXXX. I've attempted to ask for knowledgable accurate information but the company has not supplied it at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian several times to have unauthorized inquiries removed, yet they will not remove them. There is no documentation that I authorized these transactions and I even have a fraud alert on my file. It is unfair to have to reach out to companies, with no success, to try to get inquiries removed that I did not authorize to begin with. Also, it is unfair and not good practice to continually deny me, yet when other customers call a rep will remove inquiries for them with no hesitation or valid reason being provided. If the policy is that an inquiry should stay on file for two years, this must be enforced consistently with each client. And that is not the case. At this point, if my issue is not resolved, I would have to escalate to BBB and The State Attorney 's office. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order None of the below inquiries have open/active accounts on my report nor were authorized and I would like them removed ASAP : -XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account number XXXX, XXXX/DEPT OF ED Account number XXXX, has violated my rights. 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

Account ending in XXXX XXXX XXXX XXXX writing this letter to help in this investigation to resolve asap. 
Barclay sent me New card without me knowing it and I continued using OLD one which was in my possession. 
On XX/XX/2024 on my lunch break I went to supermarket ( XXXX ) and made few purchases worth {$35.00} for my lunch on my old card in XXXX XXXX, NY. 
I came back to my office around XXXX started eating my lunch and received email ( attaching copy ) that my pin was changed. I never used cash advances on any of my credit cards, I IMMEADEATLY called to report and we blocked card and noticed within minutes that card already was used in XXXX XXXX XXXX for {$2500.00}! 
XXXX XXXX XXXX its more than XXXX miles away and with heavy traffic that usually happens at this hour it take good hour to drive.Obviouisly we started investigation and dispute, hovewer I received a letter that investigation is complete and iam responsible for this fraudulent transaction! 
Fraud dept.specialist/investigator DID NOT Bother to call me to help investigate or XXXX where fraud took place. 
I had to reopen case today and went to XXXX XXXX XXXX myself and found out that money were taken out from teller and I became identity theft victim.Manager of that branch told me to go to detective squad and file the report which I did.Its identity theft as well as Grand Larceny. 
Detective will subpoena XXXX XXXX  for video to catch that criminal. 
Pleas return my {$2500.00} as I DID NOT have that card in my possession and NEVER took any cash advances from any credit cards. 
Barclay has to have more security, any credit card that I owe, I activate them via my cell phone or web portal! HOW DID THAT CARD WAS ACTIVATED? I NEVER RECEIVED THAT CARD, NEVER ACTIVATED AND DID NOT HAVE IN MY POSSESIONS AS YOU ACCUSING ME.I am sure Detectives will make it clear.

Please call me anytime if I can assist more to resolve this case and bring those criminals to Justice. 
Detectives will subpoena Chase following week.Detective XXXX XXXX was assigned to this case XXXX XXXX XXXX from XXXX XXXX if you have question to him his # ( XXXX ) XXXX PLEASE RETURN MY MONEY AS THIS CARD WAS NOT IN MY POSSESIONS! 
XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit card

I have been issued a new card from US Bank with a credit limit of {$5000.00} and attempted to make a purchase of {$1300.00} ( XXXX ). The request was declined, followed by a call from their fraud detection services. 

I then spoke with the manager, verifying my account information, that the purchase was indeed legit and wanted it to be approved. She told me that the block was removed, and I would be able to make the transaction, but that was not the case and it was declined again. 

I then reached out to their card services multiple times this day, XXXX, to resolve the issue, but it was unsuccessful. Every time during the call, they went through a lengthy authentication procedure, only to pass the call to someone else and do the same. I have spent the entire afternoon on the phone, with little progress. 

Ultimately, my card was entirely blocked, and only was able to be unblocked by visiting a local branch with my ID. I have done that the next day ( today ), and they indeed removed the block. 

However, they informed me that I will encounter the same problem by making large purchases in the future, without telling me what the trigger to such block is. During the same day, I attempted a purchase of {$1300.00} once again, and indeed the card was blocked again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX, XXXX. XXXX