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

Per the Fair Credit Reporting Act ( FCRA ), as delineated in 15 USC 1681 section 602 ( a ), it is emphasized that consumer reporting agencies must execute their significant responsibilities with fairness, impartiality, and a profound respect for the consumer 's privacy rights. Equifax, XXXX, XXXX XXXX XXXX, and XXXX, being consumer reporting agencies, hold this obligation. As a federally protected consumer, I have the right to safeguard my private information, as reinforced by 15 USC 6801, which underscores the Congressional policy of ensuring financial institutions respect customer privacy and safeguard nonpublic personal information. 

Furthermore, entities providing information to credit agencies, categorized as financial institutions under this statute, are bound by 15 USC 1681 section 604 ( a ) ( 2 ), requiring consumer reporting agencies to furnish consumer reports solely in accordance with the written instructions of the concerned consumer. Equifax, XXXX, XXXX, XXXX XXXX XXXX, and the financial institution furnishing information to credit agencies lack my consent to furnish this information, let alone my written consent and violate their own terms and conditions by sharing information with nonaffiliate. Consequently, any and all consent, whether verbal, non-verbal, written, or implied, to Equifax, XXXX, XXXX, XXXX XXXX XXXX, and the aforementioned financial institution is hereby revoked. 

Moreover, 15 USC 6802 ( b ) ( c ) mandates that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to exercise the nondisclosure option. Regrettably, I have not been informed of this right by the financial institution furnishing information to credit agencies. Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in consumer reports without authorization. Despite this, the account in question is being reported without my permission, contravening the law. 

Further, 15 U.S. Code 1681s2 ( A ) ( 1 ) dictates that no person shall furnish inaccurate information relating to a consumer to any consumer reporting agency. Equifax, XXXX XXXX XXXX, XXXX, and XXXX, therefore, are failing to maintain reasonable procedures to avoid violations of this statute, as required by 15 U.S. Code 1681e. 

Finally, pursuant to 12 CFR 1016.7, I am exercising my right to opt out of your reporting services effective immediately.
Product: Consumer Loan

I got a letter in the mail from Pioneer Credit Company that that had an actual check for a loan that they created pending deposit of the check or cashing the check. If this got lost in the mail this could 've hurt my credit. Anyone could 've cashed this
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE SEE THE ATTACHMENTS! - Hello ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found those accounts attached still on my credit report despite the fact that it's reporting incomplete, inaccurate, erroneous, and with misleading and inconsistent information. There is no way that these accounts could've been verified as accurate because it continues to report incorrect information and it's actually illegally causing this account to re-aged. These accounts attached are not reporting in compliance with the law and saying that you " VERIFIED AS ACCURATE '' ; it's basically a binding contract when you say those words. Base on my understanding, account status needs to be updated when I dispute an item, and why is it showing XXXX credit bureau that the payment history was OK but the others showing CO status. So many violations and inconsistencies and i need them removed and deleted from my credit report effective immediately and i think 15 days way enough time. Please delete them all for violation and inaccuracies.
Product: Credit reporting or other personal consumer reports

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with XXXX XXXX XXXX Please prioritize this matter for prompt action. I have tried to email them, at Innovis Consumer Assistance XXXX XXXX XXXX XXXX, GA XXXX But I am not getting any response or completion of my request. I have also submitted the Innovis Credit Report Request Online form and NO SUCCESS.
Product: Credit reporting or other personal consumer reports

Equifax and XXXX are reporting the wrong name
Product: Student loan

I wrote a cease and desist order on my account, however the company is still calling and send various letter in the mail about the debt. I have called and tried to speak various people in leadership but no one seems to care. They stated and I quoted. the do not have to abide by Debt collector rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I was employed by XXXX XXXX XXXX, a business located in XXXX XXXX, Oh. XX/XX/XXXX their collections department, XXXX XXXX XXXX, reported a delinquent balance to my Transunion Credit Report. Supposedly, when I resigned the system they use, XXXX, put my account into collections and it looked like I owed XXXX XXXX a balance. I called the owner of XXXX XXXX and asked how I owed a balance. He stated that I don't. He emailed XXXX XXXX and told them to delete my account. XX/XX/XXXX XXXX XXXX XXXX deleted my account from their system but stated they can't call Transunion to remove it from my credit report because they no longer have my account. XX/XX/XXXX I opened a dispute with Transunion. The next day XX/XX/XXXX Transunion stated they reached out to XXXX XXXX XXXX. I called XXXX XXXX and they stated it's a process and will take 30 days. I don't have 30 days. I was in the process of purchasing a house. I need this collection account deleted from my report now.
Product: Debt collection

They call my home over and over again. They call my employment and not my direct phone number, over and over again and harrass my coworkers with questions but provide no information for them to take a msg. They just called my job three times in five minutes to our customer service XXXX #. They are going to get me fired and it is very embarrassing. They are harrassing, provide no information and ask for personal information i would never disclose by phone and that they should have already if i am the correct debt collector they are looking for. They will not provide me with the bill they claim i owe, nor are they providing the original creditor information etc. I would like them to stop calling me as a whole until they can provide me by phone the information that i will need to pay this bill if i am the correct debtor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Continue To Write To Equifax For Having Inaccurate Information On My Credit Report From XXXX. Equifax Continue To Report Inaccurate Information From XXXX. Equifax has list 4 inaccurate items on my report. XXXX continue to send me printed bill. I HAVE ANOTHER PRINTED LETTER. I continue to ask XXXX to send My " Original CONTRACT BARING MY SIGNATURE THAT I OWE THEM. XXXX CONTINUE TO SEND THE SAME PRINTED BILL. I NEEF TO SEE ORIGINAL CONTACT BARING MY SIGNATURE. THAT'S INACCURATE INFORMATION ON MY CREDIT REPORT. If XXXX AND EQUIFAX CONTINUE TO REPORT INACCURATE INFORMATION WITHOUT ORIGINAL CONTRACT I WILL TAKE LEGAL ACTIONS.
Product: Prepaid card

Purchased a {$100.00} gift card to earn {$20.00} promotional credit from : XXXX XXXX XXXX XXXX. The website is operated by Blackhawk Network / Cashstar ( BHN ). I received an email confirmation that {$100.00} was purchased on XX/XX/XXXX. on XX/XX/XXXX I went to redeem the gift card at the restaurant and only {$10.00} was on the card and {$0.00} remaining balance. I am missing {$90.00}. The restaurant was unable to see transaction history and so I asked BHN. They only see a purchase for {$100.00} and a current balance of {$0.00}. I received the {$20.00} promotional credit but would rather have my full value of {$100.00}. They do not have transaction history. This is a XXXX issue. I was deceived and now I have lost {$90.00}. If we can see transaction history, you will see that only {$10.00} was loaded onto the card. I plan to dispute with my credit card company, but the transaction has not posted to my card yet. I can only speculate that the coding was entered incorrectly. I was charged correctly, however, the value loaded onto the card was incorrect. Please see the receipts and pictures as evidence. This is a holiday offer and I am worried that they are going to take the deal down before this can be investigated.
Product: Credit reporting or other personal consumer reports

Without my knowledge, XXXX XXXX Bank ( XXXX ) increased credit limit from {$17000.00} to {$20000.00}. I contacted XXXX representative to discuss and request that it be kept at its original amount due to identify theft concerns. I also requested she place an " opt out '' note to prevent future increases. She did not mention this would be reported to credit agencies as a decrease in credit limit. 
XX/XX/year> Called WFB to complain ; I was instructed to submit a dispute. 
XX/XX/year> Submitted a written Credit Bureau dispute to XXXX XX/XX/year> XXXX XXXX XXXX to Equifax, XXXX and XXXX that the credit increase/decrease on my credit report as submitted by XXXX were, in fact, false and not accurate. The decrease in limit was initiated by the consumer and not XXXX. I also submitted Consumer Statements stating that the information reported by XXXX was false. All three agencies refuse to correct credit increase/decrease reported falsely by XXXX. 
XX/XX/year> Received call from XXXX ( XXXX XXXX that he was advocating for a correction. He was not able to assist me. 
XX/XX/year> Received letter from XXXX ( dated XX/XX/year> ) refusing to correct the information submitted to XXXX credit agencies. 
I am requesting that XXXX reverse their decision and correct information on my XXXX credit reports indicating that " they '' increased credit limited from XX/XX/XXXX - XX/XX/XXXX and then decreased it on XX/XX/XXXX. 
Consumers should not be penalized for trying to protect their credit that, unfortunately, allows credit card companies to automatically increase credit limits without their knowledge. 
This was a WFB error that they reported my consumer request as a " credit decrease '' when, in fact, it was the consumer who requested the change to the original credit to protect credit scores.
Product: Student loan

I started at XXXX in XX/XX/XXXX The XXXX lied about job placements and potential salaries. XXXX fail to properly inform me about loan options available and the differences between federal and private loans. When I graduated I had XXXX loans at differentiate interest rates, and they could not be combined till XXXX. This loan has been a heavy burden sense then. I had to fill XXXX in XXXX. I lost my job in XXXX and had to put my loan in forbearance which is now come out of and the payment is {$850.00}. I am worried about my future ability to buy a car or a home some day. 

On XX/XX/XXXX the XXXX XXXX sent the department of education XXXX XXXX XXXX XXXX : A Borrower 's Investigation details the specifics of the predatory nature of the school, including XXXX pages of evidence they have collected against XXXX and XXXX  by the borrowers themselves. The evidence comes from lawsuits, settlements, congressional testimony, and federal investigations. Furthermore, the Ask Letter cosigned by XXXX organizations including, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, the Debt Collective, and others collectively recommends the broad cancellation of all XXXX XXXX loans. 
We are asking the XXXX  to support the borrowers by asking the Department to cancel their loans before the end of the year to ensure they receive cancellation before another administration takes office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX  XXXX credit card for a few years. At the beginning of XXXX, due to XXXX, I fell a few months behind on my payments. XXXX XXXXXXXX XXXX offered me a settlement to settle my debt for less than I owed, which I accepted. Before my next settlment payment was due, my financial situation improved due to XXXX and offices opening back up remotely. 
I contacted XXXX  XXXX XXXX and asked if I could get out of the settlement agreement and pay them the full amount i owed. I did not want a " settled for less '' on my credit report and I was now in a position to pay the full debt as agreed upon. I was ASSURED on numerous recorded phone calls that this was an option, and that I had successfully exited the settlment agreement and that I could pay down my card balance monthly per normal. I was also ASSURED the account would not be charged off. 
I asked multiple phone reps to make notes on my account, and confirmed multiple times that our calls were being recorded. Shortly after this resolution, XXXX XXXXXXXX XXXX continued to charge off my account for not meeting the terms of the settlment. 
I have been in contact with them and multiple escalation managers have reviewed the recorded phone calls. These escalation managers, as well as XXXX 's legal team, confirmed I was repeatedly given misinformation on the recorded line that lead to the charge off. 
Despite their admission and error, they refuse to remove the charge off from my account even though I have offered to paid the debt in full. 
This account should have never been charged off. If I had been given accurate information, I could have paid off the debt in full at that time. I was specifically told that I'd be able to go back to making monthly payments, that I had successfully excited the settlement agreement and that my account would NOT be charged off. 
XXXX XXXX XXXX gave me numerous pieces of bad information on recorded lines that lead to this, and numerous REPs for XXXX have admitted/verified this information. 
The charge off is significantly hurting my credit score and my ability to get credit fro other agencies and I want to sue them for the harm they have done.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX
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.

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. 

XXXXALL ACCOUNTS BELOW HAS VIOLATED MY RIGHTS*** XXXX  Account XXXX # XXXX has violated my rights. 
XXXX  Account XXXX  XXXX  IN CO # XXXX has violated my rights. 
XXXX Account XXXX # XXXX has violated my rights. 
XXXX Account XXXX # XXXX has violated my rights. 
XXXX Account XXXX # XXXX has violated my rights. 
XXXX Account XXXX # XXXX has violated my rights. 
XXXX Account XXXX # XXXX has violated my rights. 
XXXX Account XXXX # XXXX has violated my rights. 
XXXX Account XXXX XXXX # XXXX has violated my rights. 
XXXX Account XXXX  XXXX # XXXX has violated my rights. 
XXXX Account XXXX XXXX # XXXX has violated my rights.
Product: Mortgage

My complaint is in reference to Fifth Third Bank and their remitting payments to our homeowner 's insurance company ( XXXX XXXX ) from our escrow account. 

My husband and I closed on our house on XX/XX/20. We identified XXXX XXXX as our homeowner 's insurance and set up automatic payments from our account prior to closing. 

After closing, our mortgage was sold to Fifth Third Bank. On XX/XX/20 Fifth Third Bank communicated with Traveler 's and discontinued our automatic payments. They requested a direct bill. My assumption is so that they could pay XXXX XXXX from our escrow account. We were not notified of this change. 

On XX/XX/20 I was notified by XXXX XXXX that my policy was pending cancellation due to non-payment. I called XXXX XXXX to understand and was informed of the above. While I was on the call with XXXX XXXX, they called Fifth Third Bank who promised to remit a payment. 

One week later, approximately XX/XX/20, I checked my XXXX XXXX   account, still not paid. My husband called XXXX XXXX again. Again, while he was on the phone, XXXX XXXX  called Fifth Third Bank who promised to remit a payment. At this time, Fifth Third Bank admitted that they had been confused about the amount to pay but promised to remit the payment. 

On XX/XX/20 the bill still was not paid. My husband called XXXX XXXX  again, who again called Fifth Third Bank. At this point our insurance was scheduled to be cancelled on XX/XX/20. Fifth Third Bank promised to send payment and assured him that it would be posted by XX/XX/20. 

On XX/XX/20 the payment was still not reflected in our Traveler 's account. I called XXXX XXXX to see if there was a delay and they still had not received it. Fifth Third Bank informed us that they had sent an overnight payment to XXXX XXXX on XX/XX/20. Traveler 's agreed to suspend our billing so that the insurance was not cancelled and felt confident that they would receive the payment by XX/XX/20. They set our billing to resume on XX/XX/20, meaning if payment was not received by then, our account would be canceled. 

As of XX/XX/20 the account is still not paid. At this point my husband and I will likely pay the bill out of pocket so that we do not have any interruption in our insurance. I ave never dealt with such an inept company.
Product: Debt or credit management

I have just called Chase today ( XX/XX/2023 ). Chase Bank is making efforts to drive me insane in order to make me as insane as them. I have wasted over XXXX minutes with a representative who refused to process XXXX forms we emailed to Chase several times already. For several years, Chase has refused any cooperation with us over this matter. The representative baited me into wasting time by saying they would help me fill in XXXX forms for the alleged PPP loans/grants. I do not even want their help ; I have demanded several times that they send XXXX links that my accountant can use to fill in the forms himself. Chase has instead written to me text ( s ) that are anti-accountant. 

After I wasted several minutes answering stupid questions on XXXX and making XXXX work, Chase then pretended to not know they just sent me a XXXX link as if they haven not been calling to tell me they could help me fill it out -- since they refuse to use the forms I sent to them which my accountant prepared.
Product: Credit reporting or other personal consumer reports

I just checked again my credit report and I can see accounts reporting inaccurately. These late payments are illegal. This is a violation of the United States XXXXXX/XX/XXXXXX/XX/XXXXXXXX XXXX Code XXXXXX/XX/XXXXbilling error ). Please see attached file below
Product: Credit card

I lost my job and was trying to find a way to work with my bank considering my line of credit. I told them I had trouble paying the minimum payment. They told me they could n't help me if my account was current, and that in order to get help, I need to owe a payment. So I did that, and then they told me I could n't qualify to get a loan or to get help because I had a delinquency. Now I am stuck, and I still can not afford the payment. I have complained to customer service, and even went into a branch where the representative was given the run around by their own customer service. I was then told in so many words that I ca n't get help until I get out of a " dead end job ''. As if I have n't tried! Then this same institution gave me an overdraft fee the same week that their exec got a ton of money after frauding people over products they did n't ask for.
Product: Mortgage

We have an undrawn home equity line with Wells Fargo that has rarely been drawn and never been paid late. Several years ago we discovered that an annual fee of {$75.00} was being charged but there was no attempt to collect it, notify us, etc. I only saw it when I happened to look at a statement. Wells agreed to waive these fees as they are no longer charging fees on home equity lines of credit. Recently I discovered an outstanding {$75.00} fee. When I called Wells, they said it was from XXXX, before the time they decided to waive these fees, therefore I would have to pay it. This is clearly not in the spirit of all the consumer protections that the regulators are asking them to put in place. It seems like waiving any old fees would be reasonable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD  XXXX XXXX  CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 TX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was XXXX in an accident.The insurance company was in communication with XXXX XXXX. There was a administration lapse of communication between XXXX XXXX and XXXX on releasing the check.The accident happened in Florida. Causing XXXX delays in the inspection. Finally I communicated with the bank on XX/XX/XXXX XXXX. It took XXXX XXXX another 18 days to get payoff get the administrative delays resolve. They cashed the check 3 days late. I was advised not yo make the payment because it would change the payoff. Ive called Explaining the mistake even the XXXX representative or the adjuster Is willing to talk to them they will not comply. I have never missed a payment or ever been late on anything in my life. To have my car XXXX and then for them to add this late payment when its ultimately the insurance company and they are dealings its not fair. Thank you for your help