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

Greetings, Per the FCRA, as a federally protected consumer, I am opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, or non-verbal per 15 usc 6802.

My consent was never given according to : Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

All inquiries should be removed from my report as well due to the aforementioned 15 U.S.C. 1681.

All student loan history reported is in violation of the Family and Educational Privacy Act of 1974 and MUST BE REMOVED immediately.

Various accounts have been charged off by creditors. Charged off accounts are considered certificates of indebtedness in which I am awaiting 1099-Cs qualifying as in
come. As we know income cant be reported on a consumer credit report. In conjunction, according to 15 U.S. Code 1681c : ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

Aside from these glaring infringements, you will also notice virtually each account noted between Experian, Transunion, and Equifax either arent noted among all three, have varying origination dates, and/or inaccurate balance information. Each of these are in opposition with US 15 1681g ( a ) ; Congress requires disclosure that is both clearly and accurately made. The associated report proves consumer information is neither and should be removed immediately.

In addition I am seeking damages for each month transaction history according to : 15 U.S. Code 1681n - Civil liability for willful noncompliance In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or XXXX = XXXX history notations @ a sum of {$520000.00} Equifax = XXXX notations @ a sum of {$720000.00} Transunion = XXXX notations @ a sum of {$400000.00} All addresses should be removed as non-mailable with the exception of my XXXX XXXX XXXX 


All aforementioned violations are in accordance with the Privacy Act of 1974. Your speedy response, remedy, and restitution is greatly appreciated. 


Sincerely,
Product: Mortgage

For the past 3 months, I have been trying to cancel the PMI on my loan under the Homeowners Protection Act of 1998. I have met all the requirements yet my mortgage lender kept denying me for inconsistent reasons. Sometimes they say my equity is not 80 % and others that I didn't meet payments history ( I attached their latest letter ). 

I never missed nor was late on any payments ( even according to their statement that I highlighted ) since I borrowed the loan ( see attached payments history I printed out from the mortgage lender website ), and my current equity ratio is 79.8 % ( see attachment from the the same website ).
Product: Checking or savings account

I need help paying my phones bills and school bills even I got laid off in XXXX in my job because I struggle to save my money.
Product: Credit reporting

I have received my credit report from Transunion, XXXX, and XXXX. I have contacted XXXX XXXX and XXXX XXXX numerous times and even disputed it with the Credit Bureaus. I am requesting A goodwill adjustment to remove the late payments in order to finance a home. I know this request is unusual, it is ruining my good credit standing. I have had a mishap, and realize things happen. If you look at my records, I was always on time and this was years ago. The late payment is reported to Transunion and XXXX bureau and I am requesting removal of these XXXX late payments below. 

Company Name Account # Date Account was Opened Late Pmt. Dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX
Product: Payday loan, title loan, or personal loan

My Pnc bank disconnected from XXXX about XXXX weeks ago before the quarantine and since then I wasnt able to use the app for payday advances.
Product: Payday loan, title loan, personal loan, or advance loan

They did a hard credit pull without making it clear that they were. They ruined my credit and i looked before i hit it to see if its a hard pull and im pretty sure it did not say.
Product: Checking or savings account

Claim # XXXX and Claim # XXXX denied. 

Last year I contracted XXXX and was XXXX  for multiple weeks and placed on a XXXX. Since then, I have been XXXX XXXX XXXX  of the XXXX  numerous times due to the XXXX XXXX  incurred from XXXX. My recent XXXX  stays occurred from XXXX, XXXX, XXXX, XXXX, and XXXX. It should be noted that XX/XX/XXXX, I was unable to find my driver license and do not know how long it had been missing. 

The purpose of this email is that during and in between my hospital stays fraudulent activity occurred on my debit card. Due to my XXXX, I was not aware of the unauthorized activity at the time. I reported this fraud, but both Claims ( Claim # XXXX and Claim # XXXX ) were denied. I informed the phone representative I can provide copies of medical documentation to provide Wells Fargo, as well as file police report. They stated this was not necessary.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fee i have incurred. Despite having insufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB finding against navy federal for similar practices, where transactions settles with insufficient balances despite initially available finds. I believe these practices are unfair
Product: Credit reporting or other personal consumer reports

I'm positioning to offer my hesitation concerning the gave records a shot my credit report. On different occasions, I have raised the issue of mistakes in these records, and have persistently suggested that they be overall around isolated. Regardless of my endeavors, I in a short time plainly can't get any goal or fixing development. These off track records are really harming my credit report and dissuading my capacity to occur with an ordinary life. The hostile results of these goofs have caused colossal difficulties for me, and I'm left with no decision close to fight for your help with moving an eye on what's along on at the earliest entryway. I cautiously demand that you direct an exhaustive evaluation concerning the principal of these attempted records. It is fundamental that the critical advances are taken to empower and change my credit report right away. With your assistance, I truly need to reestablish the precision and standardness of my credit record so I could recover command over my cash related flourishing. I truly ask you to introduce this matter your generally ridiculous idea and make an impetus move. Your organized exertion and moving in settling this issue quickly would be tremendously basic. XXXX to you without even batting an eye for your insight and help.
Product: Debt collection

Nationwide Recovery Services has placed a collection on my credit profiles claiming that I owe {$330.00} to XXXX XXXX XXXX. I have never had an account with XXXX XXXX XXXX and this claim is erroneous. I have contacted them 3 times via phone and certified USPS letter asking them to verify this erroneous debt. They have failed to do so. They have not verified it because they can't verify because the debt is not mine.
Product: Credit card or prepaid card

I had two ( 2 ) fraudulent charges on my Citi Credit Card at XXXX 's XXXX online in the amount of {$890.00} & {$4400.00} on XX/XX/21 & XX/XX/21. I filed the claim and I was bounced around to multiple different departments with the claims closed several times stating my I was responsible even though Citi stated I was NOT responsible. There were numerous credits and debits and partial reversals on my account that has created a reconciliation nightmare and Citi has still overcharged me {$450.00}, which they partially reversed off my account. Now an audit needs to take place to ensure that they overcharged me and will take another five ( 5 ) days to reconcile. I have stressed numerous times that this is incorrect with Citi just opening another dispute case and closing it deeming me responsible. I am unable to get a resolution same day and another case has to be opened to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are following on my credit report. 

XXXX XXXX XXXXXXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX : {$560.00} ; XXXX XXXXXXXX Balance : {$5700.00} ; XXXX XXXX XXXX  XXXX Balance XXXX {$1100.00} ; XXXX XX/XX/2023.
Product: Mortgage

On XX/XX/2014 Mr. Cooper/Nationstar Mortgage received payment in full for a mortgage including a fee to record a mortgage discharge.

Despite being contacted numerous times both by fax and by telephone since XXXXhas not been recorded a mortgage discharge as required by law. 

My office paid the loan and full and has made numerous attempts to obtain a mortgage discharge. 

Attached is proof of payment and evidence of multiple contacts. The latest contact today was by telephone wherein heh telephone representative refused to speak to be because I was not authorized.
Product: Consumer Loan

XXXX I am in Dispute of - THE RESULTS OF YOUR INVESTIGATION -CREDIT FILE DATED : XXXX XXXX XXXX Confirmation # - XXXX / of RECEIVED : XX/XX/XXXX ( ENCLOSED ) XXXX - I am in Dispute of - THE RESULTS OF YOUR INVESTIGATON - CREDIT FILE DATED- XX/XX/XXXX - REPORT NUMBER- XXXX RECEIVED : XXXX XXXX, XXXX credit report prepared for - XXXX, XXXX XXXXYour report number is XXXX date : XX/XX/XXXX Credit Items LEXUS FINANCIAL SERVICESAccount Number : XXXX ... ... .Outcome : UpdatedTo Whom It May Concern - REINVESTIGATION RESULTS/ BILLING ERROR DISPUTEFirst and far most, PLEASE NOTE : Account 1 ) : Experian- LEXUS FINANCIAL SERVICES - Account XXXX is an inaccurate account XXXX This is the first inaccurate Noticeable point, I would like to imprecise. Next, Account 2 ) XXXX TOYOTA MOTOR XXXX XXXX Account XXXX is an inaccurate account. Therefore, this account is apparently a fraudulent account. Your re-investigation will determine, There is certainly more than XXXX creditor, for the same vehicle/ with the same- Vehicle Identification Numbers ( VINs ) - Vehicle Identification Numbers are unique codes given to each on-road vehicle in the United States XXXX From XX/XX/XXXX, each new car is given a standardized XXXX code, which includes a serial number. A XXXX lets you unlock vital information about the vehicle and its history. In addition, Locating VINs - You can find a XXXX on the car itself and on a variety of documents.
Product: Debt collection

XX/XX/XXXX and XX/XX/XXXX filed a dispute against accounts that were wrongfully added to my credit profile. I stated in the dispute that I NEVER had wireless services with their company. I made phone calls and was advised to file a dispute after the representative looked into the system placed me on hold to have a further review with supervior, they could not find an account and the call dropped. After the dispute was filed there was an update to my credit report which gave a current date and stated that the information was accurate. 

XX/XX/XXXX and XX/XX/XXXX filed a dispute for old accounts that have been paid with zero balance. Requested to have accounts removed, and was told the accounts will be removed and a letter will be mailed for confirmation. DID NOT HAPPEN!
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation did not fix problem on my transunion credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report today XX/XX/21, I noticed CBNA & XXXX  are reporting incorrect information on my credit report and It is causing a hardship for me to get approved for credit. Account rating shows Derogatory but creditor remarks states it was paid.
Product: Debt collection

XXXX XXXX has been reporting to all three credit bureaus since XX/XX/XXXX. I have been requesting this company to verify the debt they claim I owe them. I have disputed with all three credit bureaus and none have provided documentation. ARS collection company has sent me a letter stating they understand I am disputing the information to be verified and they just stated in the letter that it was verified and mine. They state on my credit report that the original creditor is XXXX XXXX XXXX XXXX XXXX which I have no knowledge of ever being seen by anyone by this name. Further more I was working and had medical insurance through both my employer and a secondary insurance plan with the VA because I am veteran. This has been going on for 5 months now and really causing a hardship because of this inaccurate information on my credit reports. XXXX   actually removed the debt on XX/XX/XXXX but added it back to credit profile on XX/XX/XXXX.
Product: Debt collection

I have been in constant dispute with this company ( NATIONAL CREDIT ADJUSTERS ) to remove themselves and this alleged debt off of my credit accounts/agencies/reports. They ( NATIONAL CREDIT ADJUSTERS ) are claiming I " owe '' this debt which is false. I have asked multiple times for an original contract with this company and to show me my original signature on a contract with NATIONAL CREDIT ADJUSTERS and have failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

imcorrect personal information about my self in my credit reports that cause me to fear for credit fraud and identity theft.
Product: Mortgage

HSBC FRAUD - I contacted HSBC around XX/XX/2020 and INQUIRED about a mortgage forbearance but mentioned I did not need it at this time. I received a confirmation letter in the mail on XX/XX/2020 and did NOT sign it and emailed it to HSBC and let them know I did not need it. However, I found out around XX/XX/2020 that I was put on the forbearance without my knowledge. I have since called and emailed and have not received any information or response back. This was without my knowledge and HSBC should be reprimanded.
Product: Credit reporting, credit repair services, or other personal consumer reports

The vehicle was a lemon and returned within two weeks of purchase. Equifax is reporting the accurate dates of account open XX/XX/XXXX and correct date for account closed XX/XX/XXXX. The account status is inaccurate it is reflecting as an open installment and was never updated XX/XX/XXXX with the last activity date that is closed in repossession. Since the account holder has updated the account as of XX/XX/XXXX with 120 day late payments from XX/XX/XXXX-XX/XX/XXXX. This is fraud, this goes above inaccurate reporting. The account needs to be removed and Equifax should be held accountable for allowing this company to conduct such illegal credit reporting practices. Instead they advise you to file a dispute and refuse to admit the companies accountability for accurate reporting to Equifax on their consumers but instead want you to file a dispute as 5 billions others would as if this is the same issue and it is not. This company is a fraud from the inception of selling used damaged unsalable cars and then traumatizing consumers even further by using Equifax credit reporting to torture you even further by not reporting the account closing or accurately reporting their repossession and voluntary repossession rates to be scored and taken to account against their business practices and better business ratings. In my experience as one of their many victims they are continued to allow lending if they don't show their true first payment default ratio. Again another use of the credit reporting agency to fraud Equifax which they allow by not averaging the complaints against the companies reporting with the numbers of first payment recalls or repossessions as they arent being reported. I am using myself as an example to assist others in receiving the same long term fraudulent activity from XXXX XXXX XXXX through the Equifax reporting bureau. This complaint is against Equifax for not protecting my rights per the FDCPA. I intend to contact the FDCPA and advise of the activity allowed against me the response from Equifax and the ongoing continued issue still unresolved in almost 4 years come XX/XX/XXXX. Based on the activity of Equifax allowing the customer XXXX   XXXX XXXX to utilize their resources to victimize me I want them removed immediately from my Equifax credit report and their access to my Equifax credit report blocked never allowing them access again as I never intend on conducting current and or future services from this corrupt, fraudulent, inhuman credit practicing company again and if I could avoid Equifax being allowed to report for me I would remove myself from ever being reported by them again after this very traumatic experience I can't sleep
Product: Debt collection

A roommate used my social security number and forged my signature to get medical help. This collection was previously deleted when the collection agency could not provide identification used at the time my information was used. They simply provided an invoice with my social security number and a forged signature. NO ID showing me as the debtor has been provided! It 's well documented that this company uses false and illegal tactics to collect money from innocent victims. I feel sorry for all the people that have had this same experience with this company. The fact that I have never had a collection against me and have perfect credit otherwise, why would n't I pay this if were really mine? I pay my bills.
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. 



XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights. 



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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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

Upon receiving my dispute for " ONLY '' XXXX XXXX XXXX on Experians dispute form they provided, along with all required documentation, they admittedly made an error in disputing information I did not authorize on XX/XX/2022 report # XXXX. I spoke with the dispute specialist who assured me it would be taken care of, as it was their mistake in confusing a check fraud claim from the FTC Identity Theft Report XXXX, in turn, filing a dispute ( without my authorization ) to remove my XXXX XXXX XXXX XXXX account from my report causing a drop of XXXX on XX/XX/2022 & an additional XXXX on XX/XX/2022 totalling XXXX from Experian and XXXX 's from XXXX & XXXX also ... 2 hours prior to my having to call XXXX XXXX and try to resolve it myself. Failing to correct their own mistakes caused me to completely start over again with XXXX XXXX. This was poorly handled with NO apology or resolution. I request everything be reversed immediately and they be held responsible for my troubles of this occurring after tirelessly cleaning up the nightmare of being a victim of ID Theft and at the very LEAST offer me free credit monitoring to prevent even them from possibly doing this again. 
Thank you for your consideration in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out these companies thur via the credit Bureau and I haven't heard any response, feel I've been ignored and degraded im a women of proud and I demand this incorrect, inaccurate, and unverifiable Information ( inquiries ) be deleted from my report. 60 Days later no response is insane why take of someone who is trying so hard as a single mother.Also my Information was exposed in several data breaches who knows who has my Information with all this craziness In the world today. All I ask is to remove the information because it is invalid.
Product: Checking or savings account

I created a dispute with Capital One with a Moving Company in regards to them never showing up to pick up my items. I also explained which they can pull up the recorded call that the merchant cursed at me call me a piece of XXXX and that Im not going to do anything about it since they didnt show up to pick up my items. I was moving from XXXX to XXXX and this moving company failed to show up on the date and time agreed. I called Capital One to dispute this and they stated the merchant provided proof that I cancelled when I asked for this proof the only thing they showed me was the agreed date and time they were supposed to come with the total cost. When I asked for proof of cancelling with the merchant the company could not provide it and kept sending the same document. I had to last minute find another moving company paid {$1500.00} more to move my items to another state gave the invoice proof to Capital One and they still declined my dispute and allowed the company to get away with fraud on taking my money and never showing up. The company also charged my card manually without my permission over the phone when I was told this would be a hold until the delivery team arrived. I want my money back and my account back in good standing this is unacceptable to allow a company to get away with not providing services paid for. Attached youll find the invoice of the new company I had to use last minute to move my items. Why would I cancel the old movers I had to pay {$1500.00} more with a new company that doesnt make sense at all the only reason I did it was because I had to move and I would have lost my job if I didnt make it to XXXX on the date agreed with from my company.
Product: Debt collection

Nelnet is trying to collect from me, however I have no contract with this collection agency and do not owe them anything. 
I have an unverified account from Nelnet. Nelnet can not provide me with any original paper work, signatures or ID copies.