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

In my capacity as a consumer to address serious concerns regarding the reporting practices of XXXX and Experian and XXXX consumer reporting agencies. please delete the following company for violations. 

XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 section 602 ( a ), it is stipulated that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. Furthermore, 15 USC 6801 emphasizes the obligation of financial institutions to respect the privacy of their customers and protect the security and confidentiality of their nonpublic personal information.

According to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies are only permitted to furnish consumer reports in accordance with the written instructions of the consumer. I have not provided written consent for XXXX, Experian, or [ Furnisher of information to credit agencies ] to furnish my personal information. Therefore, any consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Moreover, XXXX XXXX XXXX ( b ) ( c ) requires financial institutions to inform consumers of their right to exercise a nondisclosure option before disclosing nonpublic personal information to nonaffiliated third parties. However, I have not been informed of this right by [ Furnisher of information to credit agencies ]. 

Additionally, XXXX XXXX XXXX ( a ) ( XXXX ) prohibits consumer reporting agencies from including adverse information in consumer reports without authorization. The reporting of adverse information without my consent is a violation of this provision. 

Furthermore, XXXX XXXX Code XXXX ( A ) ( XXXX ) mandates that information furnished to consumer reporting agencies must be accurate, and XXXX XXXX Code XXXX requires consumer reporting agencies to maintain reasonable procedures to ensure compliance with FCRA provisions. XXXX and Experian are not upholding these standards, as evidenced by the inaccurate reporting of my personal information. 

Finally, according to XXXX XXXX XXXX, consumers have the right to opt out of reporting services at any time. Therefore, I am formally exercising my right to opt out of the reporting services provided by XXXX, Experian, and [ Furnisher of information to credit agencies ]. 

In light of the aforementioned violations and concerns, I expect immediate cessation of the furnishing and reporting of my personal information to consumer reporting agencies. Failure to comply with this request will result in further legal action to protect my rights under the FCRA. 
I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. 

Thank you for your prompt attention to this matter. I anticipate your compliance with my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly on the XXXX XXXX   XXXX account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I do not now, nor have I in the past, had a credit card with XXXX. This account is being reported in error and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

FNB Omaha ran my credit twice without my permission The first attempt was XX/XX/XXXX and the second attempt was XX/XX/XXXX I think FNB Omaha A letter disputing The hard inquiries On my credit file. That letter was sent out XX/XX/XXXX And I have not had a response Or an update on my credit report.
Product: Credit card or prepaid card

I called Wells Fargo. I asked why I wasn't notified the promotional interest rate would expire in XXXX. I asked for a refund for XXXX and XXXX interest payments, since I didn't receive a letter in the mail or any notice of when the date was changing. I was told no this was not possible ( only a {$50.00} fee could be given ) Further, my minimum payment jumped from {$100.00} to {$400.00} during this time. I was confused how the payment could jump so significantly. I was told the minimum payment is 1 % of the balance due plus includes any fees & interest. I thought ( per other banks ) the minimum balance due is always a % of the balance. That's a significant jump, and an even harder hole to crawl out of. 

I have {$600.00} of interest being charged over the course of two months. 30 % interest rate and a payment of 1 % plus interest so {$800.00} due today. My account is {$41.00} dollars over the credit limit again thanks to the {$600.00} in interest. I'm at risk of default, and wells fargo offered no guidance or clear disclosure to ensure I was prepared for the months ahead.
Product: Credit reporting or other personal consumer reports

I've notice some unauthorized inquiries on my Report, Which I like to get removed. according to the FCRA, These unauthorized unverifiable negative items must be removed.
Product: Credit card or prepaid card

Below is a dispute letter I sent to Synchrony Bank three times. 

____________ Hello, I am writing to dispute a charge that has been going on for over a year. 

In XX/XX/XXXX, I placed two orders ( # XXXX and # XXXX ) and returned the items in both orders shortly after they had been received. 
I then received return confirmation emails on XX/XX/XXXX and XX/XX/XXXX, and the refunds were reflected on XX/XX/XXXX account statement. 
There should have been no transactions related to orders # XXXX and # XXXX after that, however, two months later in XX/XX/XXXX, those two charges {$120.00} and {$190.00} showed up again. 

After speaking with representatives of your bank more than a dozen times and sent a dispute letter on XX/XX/XXXX, one charge ( {$180.00} ) has been resolved but the other charge ( {$120.00} ) is still showing up on my account. 

Date Transaction Order # Amount ( USD ) XX/XX/XXXX Purchase XXXX XXXX XX/XX/XXXX Purchase XXXX XXXX XX/XX/XXXX Refund XXXX XXXX XX/XX/XXXX Refund XXXX XXXX XX/XX/XXXX Transaction Balance Transfer XXXX?????? 
XX/XX/XXXX Transaction Balance Transfer XXXX?????? 

XX/XX/XXXX Dispute filed XX/XX/XXXX Dispute partially resolved XXXX I HONESTLY DO NOT UNDERSTAND WHY THE BANK IS DRAGGING OUT FOR OVER A YEAR WHEN THIS SIMPLE TECHNICAL GLITCH COULD HAVE BEEN FIXED AS SOON AS I CALLED ON XX/XX/XXXX. 

Please refer to the enclosed dispute form and statements, and fix the error accordingly. 

Hope to hear back from you as soon as possible. 

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

I used to own three XXXX XXXX XXXX. At some point one of my ex managers used my information WITHOUT my approval or signature to open accounts without my knowledge. There are now two accounts from XXXX XXXX reflecting negative information on my personal credit reports. I have filed a police report addressing the problem and have contacted the credit reporting agency. XXXX XXXX still refuses to remove the information.
Product: Debt collection

Please REMOVE and DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. CREDENCE RESOURCE MANA I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it.
Product: Mortgage

Loancare has misapplied another principal reduction payment. They have done this several times in the last 6 months. They do not respond to inquiries through their website and the only department that can resolve is the cashiering department. The cashiering department does not take phone calls or communicate with customers. 

The date of the most current misapplication of the principal reduction payment is XXXX2019. The principal reduction amount is {$10000.00}. It is written on the cancelled check, there was a sticky note attached to the check as well as a letter stating the payment was to be applied to principal reduction. 

I have never been late with a payment and specified any payments sent that were principal reduction only.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft in the past. I recently noticed some unauthorized inquiries on my report that are NOT mine on my TransUnion and XXXX credit report. Incorrect inquiries on my TransUnion is XXXX XX/XX/XXXX. 
Incorrect XXXX inquiries are XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX Also XXXX XXXX  we bank is NOT my account. Please remove. XXXX XXXX XXXX a collection account is reporting Inaccurate comments. This account was paid in full. Please remove all these inaccuracies on my credit profile. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter of Complaint : Refuse to Validate Debt Beginning in XX/XX/2019, Ive disputed the debt with the major credit bureaus, as well as XXXX XXXX. I requested proof of validation. So far, none of them have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, Experian does not respond, or update the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. XXXX XXXX with Experian claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the XXXX XXXX XXXX to input codes is not sufficient verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi i am an XXXX XXXX veteran who has spent the last 8 months paying off every bit of credit debt i have. Student loans, deliquent debt etc. I am needing my score to equal XXXX so i can use my VA loan for a home purchase. I have battled with XXXX XXXX transunion and XXXX about the lopsided effects happening to my credit score. For instance on the verge of reaching the XXXX goal my credit score dropped 120 pts for no apparent reason setting me back months erasing every gain and putting me farther behind. Just recently i finished paying everything off expecting a similar jump in score and my score only moved 10pts after clearing XXXX $ worth of debt from my name. What is going on with our credit system how can i obtain answers and a remedy so i can no longer be homeless.
Product: Student loan

Good Afternoon, I am writing to you as I do not know where else to turn. I have already tried several times over the past year, spending countless hours on the phone with Fed Loan Servicing to resolve this issue and emailing them as well. I am part of the Public Interest Loan Forgiveness Program and have contacted Fed Loan multiple times to correctly update my " Qualifying Payment Count '' to the accurate amount. All of my Employment Certification Forms have been submitted and uploaded by Fed Loan, and are even listed with the correct dates in Fed Loan 's letters that they send me, yet they still have an inaccurate number of Qualifying and inaccurate amount of eligible payments listed, keeping me at XXXX qualifying payments when the number is actually over 90. They estimate my forgiveness in the program to be XXXX when it is actually no later than XXXX. I have been in this program since XXXX making on-time monthly payments while employed full-time for qualifying employers that have been APPROVED by Fed Loan, yet they still do not update my payments despite countless requests, responding only with generic language from their website when I submit complaints through writing, and providing inaccurate information over the phone. The only time I did not make on-time payments while employed full-time by a qualifying employer during the past 11 years was for a brief period of 1 year total ( respectively one period of 8 months not working and another period of 3 months not working ). where I was not working. The only other time I did not make payments was during Covid when I was working for a qualifying employer but the amount was waived for all those in the Public Interest Program. I was told by Fed Loan Servicing that these {$0.00} payments would count since I was working full-time for a qualifying employer. They STILL have not been updated as qualifying payments in my account. 

This has been going on for over a year, and they each time fail to submit accurate counts. They also fail to provide a SPECIFIC timeline of days or a specific date of when I can expect to receive an ACCURATE updated payment count. Any help in resolving this issue would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
ONLINE IN SV XXXX XXXX XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy 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 XXXXK XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt or credit management

I have tried several attempts to make contact with the creditor on XXXX XXXX to dispute the inaccurate information. The account is with NATIONAL CREDIT SYSTEM  : XXXX XXXX XXXX unfortunately still remains on my credit and I need it removed. Which is in the amount of XXXX as amount owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX on XXXX/XXXX/2017 obtained a copy of my credit report without my consent
Product: Payday loan, title loan, or personal loan

I applied for an unsecured personal loan on XX/XX/XXXX. I was pre-approved for a {$1500.00} unsecured loan or a {$6000.00} secured loan if I used my car as collateral. I chose the unsecured loan personal loan for {$1500.00} and I submitted my financial information. I spoke to XXXX at the XXXX, OR branch on XX/XX/XXXX and she stated that they needed my vehicle registration or at the very least they needed the VIN to proceed with an unsecured personal loan since I have an auto loan listed on my credit report. I asked for documentation and why this was necessary for an unsecured personal loan and her was response was, " well I told you that you needed to provide your cars registration proceed in the first conversation. '' So there is no real explanation to why this lender wants a customers vehicle registration for an unsecured personal loan that doesn't require collateral except for there to making up there own rules. I'm filing a dispute to have the hard inquiry removed and filing a complaint with CFPB.
Product: Debt collection

Pinnacle Credit Services had placed a collection in XXXX of my credit reports. I became aware of this following my receipt of a copy of my annual credit report, in XXXX XXXX I had not received any prior notification of this alleged debt from Pinnacle Credit Services. I contacted Pinnacle via mail, requesting verification of the alleged debt including all information concerning this alleged debt. Pinnacle chose to ignore or refused to respond the written request. I followed this with a complaint to the XXXX. Pinnacle responded to this complaint with the same standard reply that they have issued to every complaint filed with the XXXX. The reply by this company states : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX VIA Electronic Mail Re : Complaint Case No. XXXX Dear XXXX, Pinnacle Credit Services , LLC ( " Pinnacle '' ) has received the above-referenced complaint. Pinnacle is unable to verify any of the information provided by the complainant. Due to the nature of Pinnacle 's business, we encourage the complainant to contact us directly at our toll free phone number ************, where we may address these concerns securely and in compliance with state and federal law. Sincerely, Pinnacle Credit Services , LLC '' I did place a call to the number provided in the response. The company refused to discuss the account over the phone. However, the company did remove their trade line from my credit report. On XXXX XXXX, of this year, I received a XXXX from this company. I immediately placed a call to the phone number provided on the XXXX, and left a message on the voice mail for this company, basically demanding an explanation. The following day, I received a phone call from XXXX, pertaining to the message I had left on the voice mail of Pinnacle Credit Services. The individual who called told me that he could not disclose any information. That he knew of no option for me obtaining the information I had requested. He had no explanation as to why I had not received any information prior to my receiving the XXXX. This call by " XXXX XXXX, XXXX. was nothing more than a scare tactic. Pinnacle Credit Services did not follow any state or federal law. And certainly did not follow the laws, pertaining to the Fair Debt Collection Practices Act or the Fair Debt Reporting Act. A certified letter was sent to both companies following the phone conversation on XXXX XXXX, XXXX. XXXX companies have continued to ignore or refuse to acknowledge any and all request or demands. Though XXXX letters have been received by the XXXX companies.
Product: Credit card

Sometime this past summer, I called Bank of America to explain our income situation because we were draining our savings account because we were bringing in very little income. I requested to close our Business Credit card registered to XXXX XXXX and requested a payment plan of {$60.00} per month. 

I noticed recently we received a letter for a setoff amount of {$860.00}. This violates the agreement we previously set up and I'm not sure why even a setoff amount was taken when the card account is supposed to be closed. 

I request BOA to return the funds they seized which violate our payment agreement. I also request they adhere to the terms we previously set. In addition, I request clarification into this matter at once to know what went awry. 

Sincerely, XXXX
Product: Credit card or prepaid card

I had purchased a firearm through XXXX XXXX XXXX, a subsidiary to XXXX XXXX XXXX XXXX, through their line of credit for {$700.00}. my initial intention was to pay the minimum payment until I accumulated enough money to pay it off directly to avoid APR. I purchased it in XX/XX/XXXX and the first payment was due on XX/XX/XXXX. I linked my XXXX debit card to the account online and made my first payment of {$27.00}, their minimum payment onXX/XX/XXXX at approximately XXXX. When I made the payment, it was taken out of my account and noted in my transaction record. About a week later I received a notice from XXXX XXXX XXXX  XXXX through email stating my payment was declined and to try again. I promptly called their corporate office to which no one could give me an answer and they kept transferring me to other offices and their representatives kept answering around my question. I called my bank and they told me that there was n't a problem on their end and that everything was fine on their end. This has happened on four occasions now and I recently received a call demanding payment from their corporate office in XXXX XXXX, Ohio. I now have a late fee of {$68.00} because of their incompetence. On top of this, I am trying to open a business and I am concerned that these events are negatively affecting my credit score and are hurting my chances of starting my business. I would like at the very least, to have this case investigated and my overage fees taken care of and given a resolve to my issue. Thank you for your time.
Product: Debt collection

The company TRANSWORLD SYSTEMS INC. reported me to the credit bureau after I had set up payment arrangements on an account for medical debt .I was not informed that I could still be reported to the credit bureau after I had contacted them and set up arrangements to satisfy my medical debt. I made arrangements XX/XX/2016 for auto-pay to ensure they got their money. They reported me to the credit bureau XX/XX/2016. 
Nowhere on the statement does it disclose that I will be reported to a credit bureau. I was not told over the phone that I would still be reported 4 months after I had set up ongoing arrangements for ongoing satisfaction of payment of the debt. 
Unfortunately for me I was diagnosed with XXXX and this is what has happened, I feel as if I was taken advantage of and not presented with full disclosure. My credit has been perfect until my medical condition in which I had to quit my job.
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.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account has been Put on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT RECOGNIZE THESE ACCOUNTS
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. I possess no relevant information on this matter, and the company acted without my authorization.