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

Pursuant to 12 CFR 1016.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure. 
Ive never received an opt out notice from you. Due to this error on your behalf, I am now exercising my right to opt out from all reporting of my information to non-affiliated third parties including but not limited to XXXX, XXXX, XXXX, Experian as well as any other agencies of the like. 
Pursuant to 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods.

( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice.

( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.

Pursuant to 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with XXXX for the last 6 months and they are not investigating or sending method of validation as I have requested. They are refusing to investigate claims that are not valid. This statement is on my credit report : XX/XX/XXXXXX/XX/ ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XX/XX/XXXX XXXX has permitted inquiries which I have not authorized as I'm not trying to obtain credit because I'm in the process of disputing items that are not correct and this statement clearly states that XXXX should not allow this to happen and I would like them removed. I have disputed two Bankruptcies : US BKPT CT IL E ST LOU Bankruptcy ChapterXXXXpetition filed Original filing date : XX/XX/ Latest status date : XXXX XXXX, XXXX US BKPT CT IL E ST LOU Bankruptcy chapter XXXXdischarged Original filing date : XX/XX/XXXXXX/XX/Latest status date : XX/XX/XXXX and they are not investigating these or verifying they belong to me. The courts do not verify information and XXXX obtains public information which they state may not be correct. I have contacted XXXX and my account in frozen with them and can ; t be accessed so how is XXXX validating information XXXX says may be incorrect because they can't validate this information as stated on their website and dcoumentation they send you. I have 19 inquiries and I have not authorized any of them and would like them removed and several are from the same company multiple times.XXXX is allowing these companies to update my credit reports based off information in the disputes that I'm providing during my disputes instead of deleting them for inaccurate information. They are not investigating XXXX but allowing them to update an account that is charged off with dates that don't make sense or add up. XXXX is allowing inaccurate information to remain and are providing the companies with the disputed information to allow them to update my report incorrectly instead of deleting the information. I have not filed bankruptcy but XXXX is reporting that I have and have listed two accounts as being in bankruptcy but yet XXXX is not included. This misinformation is enough for the bankruptcies and the XXXX XXXX, XXXX and XXXX accounts to be removed. I would also like the method of validation not verification but validation per FCRA to be mailed to me.
Product: Mortgage

My husband lost his job XX/XX/XXXX and since he worked out of XXXX the last 3 years we were unable to collect unemployment. I contacted our mortgage company, Wells Fargo XX/XX/XXXX to tell them what had happened and ask for help because my husband has been unable to find work. He was a XXXX of a company and its very hard to find work when you 've been at that level. We have had ccellent credit and have never missed a payment on our bills. I talked to a person named XXXX and with a few short questions, she put us on a special program with a reduced payment from {$1900.00} to {$600.00}. She told me not to pay XX/XX/XXXX payment and that we would start making payments in XX/XX/XXXX. I told her we had automatic withdrawal from our account and asked if that would be continued and she said yes. I asked her several times and told her that I did n't want my credit affected. She assured me that it was set up and would n't be a problem. I did n't get my bank statement for XX/XX/XXXX intil XX/XX/XXXX and had n't checked to see if the payment was deducted because it did n't even occur to me that it would n't be. I got a call from the bank XX/XX/XXXX stating that we were 3 months behind in our payments and our house would be foreclosed on. I tried to call XXXX but got continual voicemail. I left many messages for her to call me with no avail. I talked to the collection part of Wells Fargo and they put me in touch with XXXX 's supervisor and she told me that I was kicked off the program and could n't be put back on again. When I got emotional and told her what happened she said they could make an exception and she 'd have someone call me back. Well appsrently that someonwas the original person, XXXX. She never called me back. Finally after talking to the bank countless times they put me on another program paying double of the original amount, which we ca n't afford, and told me that the only person that could fix the credit issue was XXXX and she 'd be in contact with me. Well, XXXX has yet to call and our credit has a black mark on it. Wells Fargo bought out our loan from another bank and changed the type of loan it was illegally from a fixed to an adjustable payment and it has gone from {$900.00} a month originally to {$2000.00} a month on top of that. They have done so many illegal and immoral things with our loan and I 'm beyond frustrated. I 've tried to work with them. I 've always paid my loan on time and now they are ruining my credit and we still have a loan payment we ca n't afford each month. Please let me know what can be done. They are not going to foreclose on our house for now if we can keep up the payments. We went from {$2000.00} to {$600.00} to {$1200.00} a month now.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit with you seems to have been hacked. While reviewing my data, I found numerous files that did not belong to me. Due to my meticulous study, I discovered that you are obligated by law to terminate and block any account that is determined to have been opened as a result of identity theft under section 605b of the FCRA. I do not own the objects in dispute. I've attached the necessary FTC Report for your records as well as the bank 's ( learned through more research both parties require ). Remove these files immediately. If you believe there is a chance that these accounts belong to me, I will need all supporting documents bearing my signature ( according to another research item I discovered, you must confirm each account is XXXX XXXX real, exact, correct, complete, and VERIFIABLE ). Please be aware that I will take legal action if you don't offer any records while saying the item is confirmed. Both my attorney and I do not enjoy gaming. Therefore, abide with the law so that this situation may be resolved quickly. 

The challenged items were opened without my knowledge or agreement, in accordance with Fair Credit Reporting Act Section 605B, so kindly erase them. 

Enclosed are the following : A copy of my Identity Theft Report and Proof of my Identity A copy of section 605B of Fair Credit Reporting Act, which requires you to block the Fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnishers of that information.
Product: Debt collection

This complaint relates to Complaint No. XXXX filed against XXXX and XXXX XXXX Fire Department on XX/XX/XXXX. This collection agency is attempting to collect an amount that was already paid and the remaining amount is also being paid by my insurance. I was never responsible for this payment. My insurance called them and let them know that I am not responsible for the balance and insurance was reprocessing the claim to get the second check sent. We waited on hold for over an hour to get someone on the line and they refused to assist. At the time we had them on the line, I wasnt aware that they are collecting the entire amount and not including the insurances first payment that was provided to me and I paid already back in early XX/XX/XXXX. This is so unethical to have a patient with serious medical conditions dealing with all of this. This is completely unacceptable.
Product: Debt collection

I owe a credit card debt, which I do not dispute. The Debt Collector Handling this debt is Presently Portfolio Recover Associates LLC, XXXX : XXXX. My complaint is about their fraudulent use of " spoofing '', using technology that allows Portfolio Recovery Associates to create fake caller I.D . numbers to mislead who is calling me on my cell phone, the latest number they used that was on my phone XXXX cell, was XXXX XXXX, others XXXX XXXX, usa, XXXX XXXX all false caller id numbers, this is fraudulent representation of themselves in regards to who is calling me, Portfolio Recovery Associates. sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I asked this debt collecter for a list of their office branches if they had more than one, they hung up. SS # XXXX please leave my personal information in this document! Do NOT REMOVE IT FOR THE LEGAL RECORD
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my addresses XXXX XXXX XXXXXXXX XXXX XXXX  XXXX TX XXXX XXXX type Post office box XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA violations XXXX not my names XXXX XXXX FCRA violations : payments never late XXXX XXXX FCRA violations : accounts not mine XXXX XXXXXXXX # XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1800.00} Status Account charged off. {$1000.00} written off. {$1800.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$820.00} XXXX XXXX account. $ Overview XXXX XXXX  Account Number XXXX XXXX Account Status XXXX XXXX XXXX XXXX  Account Number XXXX XXXX Account Status CHARGE_OFF Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification Loan Type NOTE_LOAN Original Creditor Name Months Reviewed XXXX Activity Designator Terms Frequency MONTHLY Term Duration 10 MONTHS Purchased From Sold To Balance and Amounts Balance {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification Loan Type UNSECURED Original Creditor Name Months Reviewed XXXX Activity Designator Terms Frequency MONTHLY Term Duration 13 MONTHS Purchased From Sold To Balance and Amounts Balance {$1400.00} Credit Limit High Credit Available Credit Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXXXXXX XXXX
Product: Credit card

XX/XX/XXXX XXXX I noticed a fraudulent charge of {$7400.00} on my credit card statement. I immediately notified Citibank and was told that I would not be responsible for the charge. I called a second time that day when I did not see an immediate reversal on my account. I was again told I would not be responsible. 

In XXXX, Citibank automatically renewed my card membership. 

XXXX XXXX I noticed the same charge on my account with the same amount from the same vendor. I went to a local Citibank branch and spoke with the manager. I was told to contact the fraud department again after reporting the unauthorized charge a third time. I again spoke with the fraud department and let them know that this charge was fraudulent and not authorized ( for the fourth time ). I was told that the vendor had not been paid and I was not responsible for the charge. I was told I would not see the charge on my statement again. 

I did not see any sort of reversal despite numerous reports to Citibank, so I immediately contacted an attorney, who sent a letter to Citibank on XX/XX/XXXX demanding the information I inquired regarding the charge. Citibank did not respond to the attorney. Please help.
Product: Checking or savings account

A company called XXXX XXXX  XXXX called me from XXXX attempting to collect a debt I dont owe. They called my mother and gave her information and said they didnt know why they didnt call me and the proceeds to tell me I dont sound like I have an education, didnt graduate high school and needed to go to work to pay my debts. He hung up and Ive tried calling again with just a voicemail option. There were no recordings saying this is an attempt to collect debt or anything. Ive never even had an account with Bank of America!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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: Checking or savings account

XX/XX/2014 overdraft fee XXXX
Product: Debt or credit management

When money was taken nobody to call or report my issue to no customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX 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 Bum. 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 n 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 XXXX 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 .This 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 XXXX admitted they had my police report XXXX 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 XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit card or prepaid card

Started 2 applications with Barclays Bank on XX/XX/19 as I really wanted the benefits of the XXXX and XXXX XXXX XXXX cards. After a few weeks they requested me to send some information. And there are other several information requests after that which I complied with all of them. I charge well over {$100000.00} a month on my company cards and you would think a company would want the business. If they didnt want the business they shouldnt drag the process along after I sent in tax returns credit card statements etc. I was really upset today after they stated my Social Security card was not clear after I sent it in twice and I used inappropriate language and feel bad about that. However after four months the process has gotten really frustrating and its not worth me giving them my business at this point. If the required information for approval it should have been once or twice not multiple times and many of the times I wasnt informed that they needed additional information at times until I called them. The XXXX application # is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. 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. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I request my PMI to be removed, because I already reached over 20 % equity in my property. And Mr. Cooper refuse to remove. Please assist
Product: Credit card

I started using the Apple Card in XXXXXXXX  and had some fraudulent charges that I disputed with apple through Goldman Sachs. They opened an investigation at least six or seven times and every time that it was rejected, they recharged my card. I disputed this because I made all of my payments on time and didnt carry a balance into the next month. In one case, the vendor charged my card seven times for one purchase and Goldman Sachs claimed that it was not fraud because the vendor credited the fraudulent amounts. The vendor did not credit me for any of the fraudulent purchases, nor did they provide credit for the one valid purchase. They constantly claimed to need documentation which I provided but they claimed with every dispute credit reversal that they didnt have any documents to prove it was fraud. It was a black hole despite sending via chat and email that was opened up for me by Goldman. Apple Card recently closed my account without explanation or even making customer service for the card aware. The decision was made in XXXX XXXX XXXX and it is non-negotiable. The Apple card company is now reversing charges for the EIGHTH time and rebilling me for charges paid in XXXXXXXX The total balance is approaching {$6000.00} with all of the rebilled charges throughout XXXX and XXXX This practice can not be legal and at the least is incredibly unethical. I have always paid my bill on time or before it was due and the suggestion that I did something against their policies is ludicrous.
Product: Student loan

I left school in XX/XX/XXXX and my last student loan was issued prior to that. I consolidated and made payments under a consolidation plan. After that I was forced into a new consolidation because loans that had been paid off were being placed in collections. Now, after making more than {$20000.00} in payments, I have a balance due of {$140000.00} on loans that originally totaled around {$50000.00}. I have asked the both the servicer and the Department of Education for copies of all of the promissory throughout my loan history as I believe there are discrepancies. The servicer told me to contact XXXX and XXXX told me to contact the servicer and this has just gone back and forth for about two weeks. 

I want the copies because I believe they reconsolidated loans that had already been consolidated. 

I also want these copies so I can share them with my Senators as they move forward with their loan forgiveness legislation.
Product: Student loan

Unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : My academic records and personally identifiable information ( PII ).

My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.
Product: Credit card or prepaid card

It is very apparent that either nobody bother to reads the full statement, or you guys are absolutely illiterate and can't comprehend what I have written.. PLEASE READ THE STATEMENT IN ITS ENTIRETY, AND BEFORE JUMPING TO CONCLUSIONS, YOU'LL NEED TO DO YOUR DUE DILIGENCE AND RESEARCH THE CALL AND HONOR THE STATEMENT, BECAUSE YOU DO SPEAK ON RECORDED LINES. 

I called and spoke an agent on or around XX/XX/XXXX, or somewhere within that time frame, and the agent advised me on the phone that once I got my balance really close to 50 % of the credit limit, that capital one would go ahead and turn my card back on. I called back on XX/XX/2017 to confirm this and was given the run around, after I advised them that if the call was recorded, which they claim they are, that it was stated on a recorded line, and they made a promise that must be honored. I do not want to wait 6 - 10 weeks for someone to just go and listen to a call to confirm what the agent said on the phone, which I think is highly unfair.
Product: Credit reporting or other personal consumer reports

I noticed a credit inquiry from XXXX XXXX. I do not, nor have I ever had a relationship with this bank. I also haven't ever engaged with this bank for any of their products. 

I contacted the bank to get more information, they stated that they didn't have records of any accounts, requests, or credit inquiries from myself. 

I disputed the inquiry with Equifax and they declined to remove the inquiry. I was not able to find a reason as to why the dispute was denied.