23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had several items I disputed. I was given provisional credit then it was reversed. I asked for transaction id and all documents used in their decision and I was denied at branch and at corporate saying they could not give out. Online and bank statements give no identification markers- no way to find out where a charge came from
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. CHAPTERXXXXBANKRUPTCYDISCHARGED XXXXXXXX
Product: Credit card or prepaid card

Pnc would not allow for my account to link! Its my money and my account, so I should be able to link my account to a card if I choose to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : XXXX : XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Home shopping ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX EQUIFAX XXXX  XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Equifax inquiries : 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
Product: Credit reporting or other personal consumer reports

I am writing to officially dispute information within my consumer report, as provided by your agency. Upon reviewing a copy of my consumer report, I discovered that non-public information about me has been disclosed to a non-affiliated third party without my written consent, potentially violating the provisions outlined in 15 USC 6802. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to be informed about and control the disclosure of my personal information. The non-affiliated third-party disclosure in question raises concerns about my privacy rights, as I was not provided with an opportunity to opt-out, as required by law. 

Upon reviewing the report, I noted that certain accounts are being reported without my explicit written consent. I want to clarify that my dispute lies not with the creditor but with your reporting agency for disclosing and reporting information without proper authorization. 

Referring to 15 USC 1681b - Permissible Purpose, which mandates consumer written consent for the reporting of personal information, I have not provided such written consent. I kindly request that you provide evidence of my consent to ensure compliance with this legal requirement. Failure to furnish proof of my consent may be interpreted as a violation of my rights under the FCRA. 

I have also filed a report with the Federal Trade Commission ( FTC ), and the reference number for my complaint is XXXX. I believe that the unauthorized disclosure and reporting of my personal information may potentially constitute a violation under 18 USC 1028a, resembling a form of identity theft. 

In accordance with 15 USC 1681c-2, I am formally requesting the removal of the following accounts from my consumer report within four business days from the date of this letter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I assert my right to a fair and accurate credit reporting process, and I believe the prompt removal of these accounts is crucial to rectifying the reported inaccuracies. 

Furthermore, I request documentation regarding your method of verification for the disputed accounts and records proving that I was provided with the option to opt out of the information being reported in my consumer report. This request is essential to ensure your reporting agency adheres to the necessary standards for accuracy and fairness in credit reporting. 

I anticipate your prompt attention to this matter and the resolution of my dispute within the specified time frame of four business days. Failure to comply with the provisions of the FCRA may result in further legal action. 

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company allows the furnishing of inaccurate late payments on my credit report which is a violation of my privacy under 15 US Code 1666b XXXX XXXX XXXX : Account number : XXXX
Product: Mortgage

PHH Mortgage po box XXXX Mt. XXXX NJ XXXX ; XXXX ; Fax XXXX ; www.MortgageQuestions.com AN : XXXX took over from Ocwen Loan Servicing LLC XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX ; XXXX & added more money to my balance this falsifying records. After filing several complaints with your office because XXXX credited the first ( XXXX ) waiver on XX/XX/XXXX but failed to credit my account correctly the {$58000.00} each twice ( 2x on XX/XX/XXXX & XXXX {$110000.00} ). According to the loan modification agreement ( See Ocwen letter dated XX/XX/XXXX, The amount of the Home Affordable Modification Program ( HAMP ) Tier 2 on XX/XX/XXXX, the new unpaid principal balance was {$240000.00} & {$170000.00} was the Deferred Principal balance which at the end I would have a balance of {$66000.00} in XXXX. I was never given the credit. After talking with several representatives namely XXXX, XXXX ID : XXXX & filing a complaint with XXXX XXXX on XX/XX/XXXX, the records was supposedly corrected. It took many hours on the phone & years to get the credit after providing proof of all on time payments from XXXX XXXX  ( See statements XXXX ) Now PHH Mortgage went back to the original Loan from XXXX to {$350000.00} without regards for the 1st Loan Modification from XXXX XXXX XXXX and the 2nd Lian Modification from Ocwen Loan Servicing LLC. Im demanding justice & restitution fir all the stress, anxiety & aggravations. In addition overcharging for late fees before the XXXX of the month
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my application are not mine. Please remove these unknown items from my report. 

XXXX XXXX  XXXX {$1100.00}
Product: Student loan

My federal student loans have only more recently been serviced by Nelnet but it has been nothing but problems since the start. When my loan was with the previous service I was given a 1 % discount for paying 24months on time - this discount was completely lost and never and applied when Nelnet began servicing the loan. I finally got a customer service agent at Nelnet to agree and see the problem and she said that someone would be calling but no one ever called. There should also be a discount in the loan percentage for doing it paperless. 

Further, I have an income based repayment ( IBR ) payment plan and was told that I have to change the loans to Direct consolidation from XXXX in order to be considered for loan forgiveness - this makes no sense and no one is able to give me any answers and we are running out of time as the deadline is looming at the end of XXXX. Further, I don't really want to consolidate my loans at the higher percentage rate because Nelnet screwed up. 

Further, IBR should be only paid for 20 years, and I think I am at just about at that but no one had any history or information or history of payments to give me any information when I would be done with payments and the loan would be forgiven. I am really just looking for answers as Nelnet has been nothing but sneaky and fraudulent and this is the 2nd complaint I have had to file. In fact I am pretty sure they owe me money as a penalty for falsely reporting my loans as late a year ago to all the credit bureaus and they never did.
Product: Credit reporting or other personal consumer reports

Per the " Fair Credit Reporting Act '', the listed account below, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The public record account : Bankruptcy XXXX dismissed ; date filed XXXX ; reference # XXXX does not provide any information to any reporting agencies, inclusive of causation, content, context, nor the basis by which the decision to dismiss was reached. The primary force behind the filing was the commission of significant fraud and the seeking of temporary relief created by an unlawful act. Further, there was a determination of " identity theft '' and " fraud '' in every account listed, and the formal complaints on each account have been filed through the FTC " identity theft '' and fraud division ( Reference # XXXX and Reference # XXXX ) which you have been provided and made aware. 1 ) The account listed above has violated my rights under 15 USC 1681, 15 USC 1681 section 602 A states I have a right to privacy. 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 conviction of crimes which antedates the report by more than seven years, 15 USC 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. The significance of " identity theft '' and " fraud '' as the sole determination for both the filing and decision to dismiss ; the evidenced formally filed FTC complaints and accounts reporting of " identity theft '' and " fraud '' on all correlating accounts, requires you, the reporting bureau, to remove this account and within regulatory time constraints. Please note this account in the provided FTC Report.

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Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a loan account opened at XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, and a loan account opened at XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX with a balance of {$63000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

I have Navient as a loan service. I am on a low income based plan because I have loans from XXXX and graduate school. I made payments, did the yearly income verification and setup auto payment for a few years. 

Towards the end of XXXX XXXX, I was laid off. I called Navient, said I was laid off and had the paperwork from previous employer and the unemployment office. I was told that they would defer it and no payments would be due. I asked if anything else could be done because I know that I have to make 25 years of qualifying payments for forgiveness and I wouldnt owe much on my income based plan. I was told that it wasnt my time for income verification and could not do anything except a forebearance. It took me several months and XXXX states to find another job because if my circumstances. 

I found a new job at a startup, eventually got back on my feet and did the income verification with my new employer. In XXXX XXXX, I was laid off again as most of the startup company started to go under ( and is now out of business ). I called again with my paperwork ready. I was once again told that I could only do a forbearance, there was no other option. Having gone through this before, I thought that was the truth. 

It took me a few more months to once again get back on my feet and am still struggling after so many months of being laid off. My forbearance ended, my income verification came up and the fraud protection on the IRS site that links your tax return to the Department of Education was in effect at that time as well. This caused me to be late on payments, and Navient filed a 90 day late on my credit report. However, if I had the option to do a verification of income when I was laid off, there would not have been any late payments. This one mark is crippling my credit severely impacted. 

I was not offered, told or suggested that there was the opportunity to reverify my income. Only that you do that once per year. I didnt know that option until all of the consumer articles came out over the summer and recently, and I looked more into the complaints. I now have roughly two years where I would have qualified for a lower to no payment based on my income based plan but its shown as a in forbearance that doesnt go towards the 25 years of payments. This has lead to higher interest amounts and an extra two years of payments and interest that will go to them. I really think I was blatantly defrauded at a very trying time where I took them for their word and was very distraught after losing my job. Because I went to college and graduate school, this is going to cost my extra thousands if not more. Something has to be done, because between the credit report hit and them extending the life of my loan, Ive become extremely financially crippled.
Product: Credit reporting or other personal consumer reports

I just checked and reviewed again my XXXX and Transunion credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, ASSOCIATED CREDIT SE add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ASSOCIATED CREDIT SE has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

According to the XXXX reporting credit act, XXXX XXXX section XXXX states " there is need to insure that credit agencies exercise their grave responsibilites with fairness, impartialitty and a respect for the consumer 's right to proivacy '' Transunion and XXXX are credit reporting agency and financial institution in which I am in the consumer. it is my right to ensure that my private information is shared or distributed, this is backed by XXXX XXXX XXXX which states " it is the policy of the XXXX that each financial institution has affirmative and continuing obligation to respect the privacy of it customers and to protext the security and confidentiality of " customers non public information ''. Transunion and XXXX are credit report agency under this title. Section XXXX of XXXX XXXX section XXXX states that " in general subject to subsequent ( c ) any consumer reporting agency XXXX furnish a soncusmer report under the following circomstances and no other " in accordance with the written insturction of the consumer to which it relates ''. this. Transunion and XXXX consumer reporting agency does not have my consent, and writen consent to furnish this information, Any and all consent XXXX, non verbal, written, and or otherwise implied is now revoked. XXXX XXXX ( b ) ( c ) states " A Financial insituion XXXX not disclose nonpublic personal information to a non affilitated third party unless the XXXX can exercise the non disclosure option ''. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never informed me of my right to exercise the non disclosure option ''. Furthermore XXXX XXXX XXXX ( a ) ( XXXX ) states " Except as authorized under subsection ( b ) no consumer reporting agency XXXX make any consumer report contaning any of the following items of information, any Adverse item information, other than the records of convictionof crimes which antedates the report by more than seven years ''. These three accounts is an adverse item thaey are reporting without my pemission which is against the law. XXXX XXXX XXXX ( A ) ( I ) A states " A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has resonable cassuse to believe that infomration is inaccurate. XXXX XXXX code XXXX state " Every consumer reporting agency shall maintain reasonable procedure designed to avoid violations of section XXXX of this title and to limist the furnishing of ocnsumer report to the purpose listed under section XXXX of this title ''. 
Transunion is not conducting reasonable procedures in regards to this accounts stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update and remove the negative status in this account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} Please remove the following accounts completely from my Credit Reports : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit freeze placed with the Equifax, XXXX and XXXX. With XXXX and XXXX, I am always able to quickly temporarily lift the freeze online without issue. With Equifax I have never been able to successfully remove the freeze online. Today was no different, after resetting my password and jumping through several hoops, I was told to call in. I called and requested the freeze be temporarily lifted. The automated system advised that the freeze would be lifted effective XX/XX/XXXX ( tomorrow ) - XX/XX/XXXX. Because I needed the freeze lifted tonight and it was only XXXX XXXX. CT, I requested a representative. They advised that it'd already been lifted, despite what the automated system stated. 

I submitted a credit application over an hour later which was declined due to the freeze. I called Equifax back and had an extremely difficult time getting an associate. When I did, they advised they have 24 hours to remove the freeze. I advised I didn't believe that to be the case, that it was one hour, and they just repeated themselves that it can take 24 hours. I then searched online about the one hour requirement and found that others having the same issue with Equifax were able to get the freeze lifted by requesting it be permanently lifted instead of temporarily. This worked for me as well, but shouldn't be necessary.
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting Act XXXX has violated my rights 15 USC 1681section 602 states that I have a right to privacy 15USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written Instructions 15 USC 1666b A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for and purpose
Product: Vehicle loan or lease

As a florida resident, I was frivolously excluded from the class action lawsuit providing relief, restitution and/or waivers to XXXX XXXX XXXX over a violation in consumer protection laws with regards to excessive fees, charges, and costs not made transparent to the borrower. I have now paid this loan 3 times over and the company has refused resolve. My next course of action will be civil litigation, in which I will not only request a waiver of the balance, but compensatory damages as a XXXX XXXX XXXXXXXX vet stressed from their unlawful practices.
Product: Credit reporting or other personal consumer reports

Hello I noticed yesterday afternoon that Avant credit card had placed my account as being over limit I had no idea because I was never notified and when I checked online today nothing showed up on theyre app showing any pending transaction or on statement on the app so I called and told representative I had no idea why it would be over credit limit that I had already made my payments are in time never late and never been over my limit she stated they had taken theyre fee out of the card of XXXX why would I not be informed I said she tried telling me that this is annual fee and that I was notified I repeated no I was not notified at all I asked if over credit limit was being reported to effect my credit score and that it is extremely wrong to not notify someone so this does not occur XXXX  yes already reported I would like this to be taken off my credit report this was not right to do this and then report it