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

According to the Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ) states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, 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 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 is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that : " In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies XXXX, XXXX, and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) states that : " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states : " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states : " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that : " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I noticed Experian added a new collection to my credit report by XXXX XXXX XXXX XXXX XXXX account number : ( XXXX ) but this account was charged off with original creditor XXXX XXXX XXXX  aka XXXX XX/XX/year> account considered 1099c cancelled debt to be filed on taxes my credit report even show I owe {$0.00} balance for this account. Several months later down the road the collection agency XXXX XXXX attempts to collect on a 1099c cancelled debt account and reporting this as a duplicate account because its already being reported on my credit report by XXXX XXXX XXXXi aka XXXX account number : ( XXXX ) please remove duplicate accounts this is not lawful thank you!
Product: Credit reporting or other personal consumer reports

I recently received a copy of my Experian XXXX and XXXX credit report, and I notice some late payments posted on my credit report. I have never been late on this account. XXXX XXXX XXXX XXXXXXXX XXXX XXXX was never late on this account. Please show me documentation showing proof of a late payment showing late payment to support you inaccurate reporting on my account. If you can not supply this, please Delete this alleged late payment from my credit report per 15 USC & 1681b. Your company is in clear violation of the law. Under 15USC $ 1681b-permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) IN GENERAL Subject to subsection ( c ) and no other : 2In accordance with the written instruction the consumer to whom it relates. Did I give you written instruction to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC & 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clear state : ( A ) Subject to section 1681s-3of this title, any- ( i ) report contain information solely as to transactions or experience between the consumer and the person making the report. Delete the above late payment from my consumer report, this agency is in violation of 15 USC & 1681.Failure to respond satisfactory with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of character ( per Se ) 2 Negligent Enable of Identity Fraud 3 Fair Debt Collection Practices Act 15 USC & 1692g violations.4 Fair Credit Reporting Act 15USC & 1681 violation for willful noncompliance-616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit card or prepaid card

I have an Account with Aspire credit card issued by XXXX XXXX XXXX I closed my Account a year ago in XX/XX/2021. I have continued to make payments. They continue to charge maintenance fee of XXXX a month and also was charge another annual fee. Of XXXX. They keep bringing up the balance which makes it impossible to pay it off. This is and should be illegal. I have been making my payments on time and they refuse to remove the fee. In the first agreement upon receiving this card I said that fees would be waived if card was canceled within 30 days of statement closing which I did. I called the first time to have the fee waived and they never did. Now after a year of closing the account they haved charge another annual fee. This company has been fraudulent from the beginning and needs to be investicated.
Product: Checking or savings account

I am submitting a complaint against Navy Federal Credit Union to warn others that if your account is ever compromised as an immediate result of being a victim of fraud they will not resolve your case to have your account unrestricted. A teller there informed me of my account being restricted when I went to make a deposit for {$30.00} one day. The deposit went towards the outstanding balance of about {$210.00} due to an unknown check that was cashed into my account by a perpetrator and not even endorsed with my signature, or any signature, on the back of it. I had no knowledge of this activity until the teller informed me. I then was told the account will be reinstated once the outstanding balance is paid in full and an appeal was submitted. Well, I went through a lot of trouble filing a case and contacting the police department about my situation that involved this dispute before paying any full amount of anything I had no partake in. Once my case on file with the police department was getting somewhere, I decided to go back to Navy Federal to pay the full balance and submit my appeal. I was granted victim restitution reimbursement for my financial loss and had my paperwork to back up my claims ready for investigation and review. Even though my legal documents and explanation of the situation that transpired were submitted to Navy Federal Credit Unions security specialist team, they denied my appeal. Shocked by the outcome, I then went further to contact the president of the company by email and was reached by a senior executive who confirmed that the decision to deny my appeal was final. This shows that they do not care about their members once a problem as such occurs. It is not uncommon for people to be victims of identity theft. Anyone who is and finds their accounts compromised with Navy Federal Credit Union will NEVER be granted access to be a member again and you will not get your money back. This is unfortunate because the credit union is highly recommended and favorable for the perks they offer to their members and I was stripped of the opportunity to be able to continue utilizing their services due to the nature of this incident. Im not for certain if this reasoning is mentioned in the fine print of their new member agreement contracts, but it was not a specified reasoning that was mentioned to be used in part of them making their decision to deny my appeal. As a prior member, I am very disappointed and displeased with my experience with Navy Federal Credit Union. Their security specialists team pretty much overthrew police records and documentation that may or might not have even been thoroughly investigated to begin with. Dont try your luck getting a similar situation resolved, if you are being affected. Reporting to the police doesnt work in this case. If anything like this has ever happened to you, your best bet is to bank somewhere else. Dont even consider Navy Federal.
Product: Credit card or prepaid card

On XX/XX/XXXX, I got a new personal credit card with a new account number from Capital One, because of a fraudulent transaction in that occurred in XX/XX/XXXX. At the same time I was cancelling my automatic monthly prepaid advertising services with XXXX, that would be paid on the XXXX of each month, but, because I got a new card with a new account number from Capital One, and because my XXXX XXXX monthly charge of {$390.00} kept on getting declined by Capital One, I figured I did n't have to do anything more. However, on XX/XX/XXXX, and then again on XX/XX/XXXX, two new {$390.00} charges were taken out from my new credit card account. I never authorized Capital One or XXXX to process any new charges on my new credit card account, and I was not told that this was possible to occur by either of them. I protested the charges, But Capital One declined my protest telling me that just because I got a different credit card number that certain vendors can still add new charges on my new account number even if they do n't know my new credit card number. This appears to be just as fraudulent as the unknown fraudulent charge that occurred on my card in XX/XX/XXXX! Please advise, and thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX today and spoke to rep XXXX, the confirmed receipt of the letter, ftc and police report I sent. They even waived the late fee for XX/XX/XXXX and said that the have already submitted a request to investigate last XX/XX/XXXX which will take 30 more days to complete! This is unacceptable! EVEN FCRA 605B states that the account linked to any ID THEFT MUST BE REMOVED WITHIN 4 DAYS by the credit bureaus! More over, It has been more than 30 days and yet, I received nothing from the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

My acco unt is with CONN 's Furniture. I ha d a payment contract with them after I fell behind in  XXXX   2016 . Starting in  XXXX   2016  I made  two  payments a month of {$200.00} and {$240.00}. The last payment was  XXXX   XXXX  where I paid {$650.00} the confirmation #  XXXX .     I have conta cted CONN 's n umerous times to report my payments they said they would but yet my report still says over 200 days late. Shows no payments since  XXXX   2016 .   The last payment which paid off the account they do not have noted on my account. They were to report my account in good standing and paid in full.   No one seems to know what is happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. I have the tracking numbers which are : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 

according to the FRCA the term " investigate consumer report '' means a consumer or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate. The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$130.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX {$110.00} XXXX XXXX {$6900.00} XXXX {$8900.00} XXXX {$1600.00}
Product: Mortgage

I have received a 45 day notice of foreclosure form SLS. According to SLS, I have missed payments. SLS has not been sending me monthly statements. I was under the impression that my mortgage was being paid on time every month. SLS tells me that because of Chapter XXXX bankruptcy they have not been sending me any correspondences regarding my account. If this is the reason then why add late payments and Corporate Recovery Advance fees and a 45 day notice of foreclosure. 
Last year, my mortgage was transferred form XXXX XXXX to SLS. My very first payment had been applied to someone else 's account. I find this out after SLS sent me a 45 day notice of foreclosure and having to prove to them that I had paid the bill. 
My current situation is that I have been sent another 45 day notice of foreclosure. I have been paying {$850.00} every month on time. After calling SLS concerning this, I have talked to several different customer service representatives. One of them tells me that the account has been delinquent since XX/XX/XXXX because escrow went up, another one tells me that the account has been delinquent since XX/XX/XXXX because the escrow was short. Either way late fees have been accumulated nobody is able to tell me when the late fees started or how much the late fees are and why I was not notified of any of this. I believe this is a predatory practice. SLS has not sent me any correspondences regarding escrow or monthly payments. They wait until the account is so far passed due that I can't afford to pay it so that they can take my house. This seems to me to be a predatory practice. After all this time, they never let me know that the bill was late and that they were tackling on late fees and corporate recovery advances fees. If they had been sending out the statements and making me aware of what was going on with my account ; my account would be current as of today. According to SLS, my monthly payment is {$900.00} that is only a {$45.00} increase. It is a devastating to me that SLS is trying to force me into foreclosure with their predatory practices.
Product: Credit reporting or other personal consumer reports

I did not give permission to this company to have this report. 
You have no legal authority or permissible purpose to place any account in my consumer reports pursuant to 15USC 6802. 

XXXX Department of Education loan servicing Account XXXX Tracking XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Why are you still reporting inaccurate information on my credit file. I sent a dispute which you Experian received on XXXX/XXXX/XXXX  at XXXXXXXX XXXX XXXX XXXX  This is my 4th dispute about this same inaccurate account. You didn't do a proper investigation. You need to reinvestigate these issues and delete XXXX  account from my credit file because it's not accurate.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX XXXX  were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Product: Debt collection

I have been contacted by " XXXX Collections '' on XXXX occasions within the past 2 weeks regarding a debt that is owed by someone named " XXXX '', who I do not know. I have told this company XXXX already that I do n't know anyone named " XXXX '' and to stop calling me about " XXXX '' debt. The phone number for " XXXX Collections '' is XXXX.
Product: Mortgage

I received a response from Wells fargo which is unacceptable. I would like to see evidence from my court proceedings 1 ) that states Wells fargo is not liable for my attorney fees.

2 ) XXXX XXXX at Wells fargo found in his research that we'll fargo inadvertently applied my funds on an incorrect loan and never reversed them.

3 ) Wells fargo has not correctly responded to all of my questions.

4 ) Wells fargo has refused to work with me on all of these issues, and will admit no fault 5 ) Wells fargo has refused to report correctly to the CFSB and your organization does not do the appropriate follow up 6 ) I have a letter from Wells fargo which shows me having a XXXX  in escrow, they they're tell me.its something different 7 ) Wells paid my Tennant XXXX XXXX at XXXX XXXX XXXX XXXX XXXX minute XXXX  $ to move out. This was done in XXXX  or XX/XX/2012. This was done under their REO ( real estate owned ) unit. They refuse to admit this
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays Bank Account Number XXXX XXXX I wrote to XXXX on more than one occasion informing them that this is not my debt and I am not responsible for this debt. This is actually my ex-girlfriends debt and I would like it removed from credit report. They have not done so. I did not apply for this debt and I am not liable for this debt so I don't understand why they won't remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX refuses to remove negative payment history from my credit reporting. 

I purchased a XXXX XXXX XXXX for my husband in XXXX of XXXX, but we have since been divorced. The divorce filing was finalized on XX/XX/XXXX, which states, Husband shall retain the XXXX XXXX XXXX, titled in his name, free and clear of any claim of wife. Husband shall be responsible for the loan on this vehicle to XXXX, held Wifes name, holding wife harmless from collection there on. 

I filed a dispute with Experian in XX/XX/XXXX. On XX/XX/XXXX Experian reported the my credit file had been updated, but the negative payment history was not removed from my report and my credit file was updated and it was suggested that I reach out to the lender to file a dispute with them. 

I contacted XXXX XXXX on XX/XX/XXXX and was given a direct fax number to the department that handles their disputes. I faxed a copy of my divorce decree to support the dispute on XX/XX/XXXX. I also filed disputes with Experian, XXXX and XXXX at that time and provided supporting copies of my divorce decree. All have resulted in some sort of update to my credit report, however, the negative history remains. Additionally, I received a loan extension agreement from XXXX dated XX/XX/XXXX. I was never consulted about the extension agreement prior to being put into place. 

This is very damaging to me as I was forced to purchase my home at a higher interest rate, and am currently trying to refinance, but am unable to until my credit score increases and the {$20000.00} debt no longer impacts my debt to income ratio. Per my divorce decree my ex husband, his lawyer and XXXX XXXX had 45 days from finalization of the decree to have this issue corrected. As a result, Ive paid an incredibly significant amount in interest on my home loan that was unnecessary and has put me and my children under significant financial hardship.
Product: Credit reporting or other personal consumer reports

The following inquiries were reported to my credit without my authorization. 

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: Credit card or prepaid card

On XX/XX/2022, I looked at my account and Avant credit card company had dropped my limit from XXXX to XXXX for no reason. I recently made a payment on my account for over XXXX. I never been over my limit or missed a payment. I know someone else that this recently happened to. She had XXXX and they dropped her to XXXX for now reason at all. And she had just paid her card completely off.
Product: Credit reporting or other personal consumer reports

There is an inquiry from SYNCXXXX XXXXXXXX XXXX XXXX XX/XX/year> which I didn't not apply for on my Credit Report. I had my idenity stolen on XX/XX/year> and have been dealing with this with my bank at this time and was notified of this issue and put a freeze on my Credit reports today. I also noticed that my only phone number I have had on my Credit Report is changed to XXXX which is NOT me. Looks like they go into my account and changed that. I did speak to XXXX and they said they put my correct phone number back which is XXXX. That is the only number that should be on my account. I would like the XXXX XXXXe inquiry removed off my credit report and would like to have the only contact number on all my credit reports to be XXXX. If I need to setup a password or something, then that is great. 

Any help is greatly appreciated.
Product: Debt collection

Credence, This is your formal notice that the account in question is a result of identity theft, and I have also submitted a formal complaint via the CFPB portal. 
I would request that you immediately do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 
Provide proof that it was removed from my report as-well I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. 

Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

Best Regards ; XXXX XXXX Mobile Number : XXXX