23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XX/XX/XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date of the last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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: Student loan

In  XXXX  of  XXXX  I began the process of consolidating all of my loans in order to enroll in th e Public Service Loan Forgiveness Program. I have   XXXX  sets of loan s (   XXXX  for  XXXX  and  XXXX  for  XXXX   ).  The newer loans were released for consolidation in  XXXX  of  XXXX , but the older ones were retained by  Navient. It  has taken me since  XXXX  of last ye ar ( countle ss hours on the phone wit h Navient a nd the new loan servicer ) to find out why the older loans were not released. Apparently, at some point during their history, my previously federal/public student loans, became " unsecured '', making them ineligible for release ( according to Navient ).  Navient is   either unable or unwilling to provide documentation showing when or how the loans became unsecured. I believe that the current " unsecured '' status of my loans is due to an error, either on the part  of Navient  or  one of i ts predecessors/previous iterati ons (   XXXX   XXXX , etc. ). After all these months and countless hours on the phone with  Navient, I am now (   XXXX   XXXX  ) being offered the option to settle on my loan. This further increases my suspicions that my loans have been mishandled. Along with the fact that I felt the supervisor that I spoke with last was condescending and threatening with me.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Subject : Formal Complaint Regarding Failure to Reinvestigate and Remove Late Payment under 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to formally file a complaint against [ Credit Bureau Name : XXXX XXXX for failing to properly reinvestigate and remove a late payment that has been inaccurately reported on my credit report, in violation of federal law. 
Details of the Issue : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Incorrect Late Payment Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION Credit Bureaus Involved XXXX ** TransUnion, XXXX Under the Fair Credit Billing Act ( 15 USC 1666 ( b ) ) and the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 2 ) ( 4/0 ) ), I am entitled to have any erroneous information removed from my credit report following a proper reinvestigation. I disputed the reported late payment with TransUnion and XXXX on XX/XX/2024, providing all necessary supporting documentation to prove that the payment was not late. Despite this, the late payment remains on my credit report, negatively impacting my credit score. 
Steps Taken : 1. I submitted a formal dispute to TransUnion and XXXX on XX/XX/2024, requesting a reinvestigation into the erroneous late payment reporting. 
2. I provided evidence, including bank statements and payment confirmations, showing that the payment was made on time.

XXXX. I received a response from TransUnion and XXXX in XXXX XXXX indicating that the late payment would not be removed without a satisfactory explanation or evidence for their decision. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
5.Additionally, I want to inform you that no information about this account appears on XXXX, which constitutes a violation of my rights, since the account must be reported uniformly in the three credit bureaus.
Product: Debt collection

Midland credit management is reporting a collection account to my credit reports for a XXXX XXXX card that I never had. In addition to the debt not being validated/verified after disputing, it has remained and the amount owed is being increased over time. I have never heard anything from this company and this fraudulent account is preventing me from qualifying for a mortgage. 

The original amount they reported on XX/XX/2019 and now the balance is showing {$620.00}. There is no original account on my credit report because I did not have this card ever. I have asked for all documentation showing that 1 ) This account actually belongs to me and 2 ) Midland Credit Management actually has the right to collect money from me and I have not received this information. Due to these facts, this account should have been deleted. 

This account is inaccurate, in violation of the FCRA and does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Product: Debt collection

True Accord has contacted me by mail and email claiming that I owe debt. I requested proof of the debt, and disputed it. By selling my debt to True Accord, my contract with the original company ''XXXX  '' was therefore invalidated. I disputed this in XXXX and they have not contacted me back nor took the debt out of dispute status. This has been paid to XXXX, but True Accord has not been notified
Product: Money transfer, virtual currency, or money service

Coinbase has consistently blocked me from accessing my account. I have sent a small amount of currency to show my bank is legitimate but they have not recognized this and I can get no further. Yes just want my money out of this dreadful company. They even tried to take money out of my bank account but I was fortunate that my bank blocked this. Please look into this for me. Thank you
Product: Credit reporting or other personal consumer reports

I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.
Product: Money transfer, virtual currency, or money service

On or approximately the year of 2018, I walked into a branch of Wells Fargo on XXXX XXXX in XXXX XXXX XXXX, CA. Tried cashing a XXXX bank check in the amount of {$2900.00} or so and the bank management at that time took my check and did not give it back. It's left me traumatized, forcing me to be homeless. I was threaten by the guy. He also said that he was not going to give me the check back that was in legit and in my name. Was very disappointed ..... Frustrated, everything you name it.
Product: Credit card or prepaid card

I recieved an alert notification from my XX/XX/XXXXXX/XX/XXXX account indicating that I had a new account reported under my ss #. 
I checked my account to my surprised discovered that a citi bank credit card showed reporting under my name and social security number. I know I never sign up for a credit card by citi bank. I am aware that my husband added me as an authorized user on his account but not a responsible party for any financial lost. My husband never gave Citi bank my social security number only my name and date of birth. My husband Clearly made sure Citi bank will not report this as my credit and being responsible for any of the debts while using my husbands citi credit card. He added me as an authorized user on XX/XX/XXXX shortly after we got married. 
Citi bank reported me to the 3 major credit bureaus i e XXXXXXXX XXXX and XXXX. 
My husband contacted Citi bank and explained to them that I was only to be added as an authorized user and nothing more. He also asked them how did they locate my personal information to report me to the credit bureaus. They said it came from XX/XX/XXXX, a warehouse store that requires a membership to shop and paying an annual fee. However XX/XX/XXXX does not required anyone 's social security number to obtain a club card unless that individual decided to applied for a credit card. My husban open a Citi credit card I believe on or aroundXX/XX/XXXX of XX/XX/XXXXHe opened a XX/XX/XXXX XX/XX/XXXX card onXX/XX/XXXX. 
Citi bank reported me the credit bureaus XX/XX/XXXX. 
The call was made to removed me from the reporting and to closed the citi bank credit card. 
I feel this practice is not legal and it is adversely effecting my personal credit negatively and Citi Bank needs to be addressed and inform regarding to this practice.
Product: Money transfer, virtual currency, or money service

I would like to be reimbursed for the reported transactions in the lawsuit.
Product: Credit card or prepaid card

My wife had a Capital One credit card in her name and she passed away on XX/XX/22. We were dependent on my wife 's social security income and pension which have both been discontinued upon her death. I am unable to afford to continue to pay this credit card with a balance of {$2100.00} on my social security income. I called Capital One on XX/XX/XXXX to ask if they would negotiate a lower interest rate from 22.9 % which I always felt was taking advantage of us due to our advanced age. With the minimum monthly payment my wife was making, she was barely paying towards the principal. I need help to deal with this debt and the credit card company did not care about my current financial situation or death of my wife.
Product: Credit card or prepaid card

I purchased a new pressure washer that was sold through XXXX and the brand of washer is XXXX. I after a couple of weeks I called to check delivery status and was told they have no idea when the pressure washer would be shipped or arrive. I asked for a refund and was told I have to dispute the charge and have no proof of the refund. I never received any merchandise and only want a refund of {$300.00} which is the purchase price of the pressure washer. I paid with my Lowes credit card and can not get refunded for some reason.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX menulis : Dear sir, Base on Support XXXX Ref : XXXX i need legal aid from advocacy. 

I just want to know how to access funds that will be sent to me, from the XXXX people who played a role in requesting payment from me on behalf of a claim based on the name of the Wells Fargo Bank company, regarding international remittances to me, through proof of receipts and receipts that I have received. and on behalf of my own account as beneficiary funds. 

the XXXX individuals have had their respective roles in the order to request payment from me using the name wells fargo : 1. the sender named XXXX XXXX XXXX based on the bank receipt i received i will receive the transfer XXXX {$2.00} claiming to be XXXX requesting crypto payments from me ( someone claiming to be from XXXX is asking for crypto payments that I've transferred for international remittance payments ) 3. the head of the international wells fargo bank fund transfer center XXXX who acts as an employee of wells fargo bank with the nametaxt employment of wells fargo bank , as director of the bank named XXXX XXXX XXXX. ( someone who asked to collect my payment processing international funds, that I got the winnings XXXX $ and I have received the receipt of proof of delivery ) of the XXXX individuals have had their respective roles who have requested payment from me through the XXXX that I have transferred. 

they are the XXXX unbroken link in the wells fargo bank that has switched roles to contact me. 

Even though in your investigation, they are not part of you, but they do have the official wells fargo bank receipt that I have received. and lastly the ball is in the third person, namely XXXX and XXXX. 

I don't know how you found access to my remittances working in law enforcement within the United Federal State government? 

So you can immediately decide for yourself without me involving wells fargo customers to lead to law enforcement police offices or law enforcement offices. if it's true they're definitely all involved in a fraud syndicate, froud, international code of ethics. because I don't really know and don't know about the laws that apply to all federal states. On behalf of Wells Fargo Bank I need your help, to resolve this case to a transparent law enforcement and sense of justice. 

What is certain is that a customer only needs the funds that have been issued for payments that have been transferred to all of them, to be able to return to my bitcoin account or address, which I can use to pay my XXXX XXXX credit card monthly bills in XXXX as my loan for crypto purchases in my wallet. For the payment to them. 

Thus my explanation is so that it can be understood, for your attention I thank you.
Product: Debt collection

I contacted XXXX which I have never done any business with and they advised me that they didnt have me in their data base to see why the placed this on my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX have inaccurately reported late payments to the credit bureaus on my consumer report. I pay my car note as agreed. I was never late. I have contacted them but they still have not corrected this issue.
Product: Mortgage

I was in the process of refinancing my Flagstar mortgage with XXXXXXXX XXXX and Flagstar sent the wrong payoff amount to XXXX costing me 14 days of additional interest @ {$16.00} a day for a total of {$230.00}. 

I closed my refinance loan with XXXX on t he XXXX of XXXX. On XXXX Flagstar sent the check back to me stating that the payoff amount was incorrect. I have their payoff statement and the check that was sent was for the exact amount they requested. 

I called Flagstar to inquire about why they sent me the check back and not XXXX and why the payoff amount that they sent was incorrect. The customer service agent said that an escrow payment was made after they quoted the payoff and that it is my responsibility. I agreed that I owe the additional amount, however, she could not tell me why this amount was not added to the payoff letter or why they would send it to my house and not XXXX Bank. 

I have no problem paying the additional Escrow amount, however, they should refund the additional interest due to their incorrect payoff letter. The payoff check for their payoff amount was sent to them on XXXX and it took me until XXXX to payoff my mortgage.
Product: Credit reporting or other personal consumer reports

Well I recently got on the Internet to see if I had remembered my login information for Experian Credit XXXX I was curious so oddly I was able to login into my account which was odd I thought for sure I would of had to reset my password to get into my account.Well I dont know how to read my credit report like an expert but I was shocked to find a report for this year XXXX and Last year XXXX because I had not been monitoring my account for some XXXX for seen complications lifes been so I was shocked to learn I had XXXX Hard Inquiries and several soft inquiries which was more than just a few soft inquiries it really had me look into my history of my account looked up and found credit reports going back to XX/XX/XXXX to Present XXXX well I was in a bad relationship from XXXX - XXXX and Ive been mentally recovering from the chaos well Ive been able to remember durning that time frame XXXX I was able to pay for the apartment during that time and pay the internet bill, and pre paid phone bills and a few Miscellaneous bills with my XXXX I was receiving well I was not able to really pay for those things and see were my money was going to due to the other party being very controlling so all that chaos I was curious on whether He used my personal information without my knowledge. Which was very alarming because Im left with nothing and before I left He got a phone plan for us both through XXXX and without my knowledge he added me to his account as an authorized user well that helped me know none due to him taking the phone away from me and I left it at that. But Im now investigating why Ive been having issues with being a victim of identity theft and fraud and Data was breached. I apologize for the the paragraph long concern. Long story short my credit reports all have incorrect information Im unable to have this checked out and fixed Ive never applied for credit and seeing my credit reports from XXXX XXXX with Hard inquiries and Soft inquiries and other information on the reports incorrect and there are two years that dont have a credit report I get a notification saying something went wrong which seems very odd. Just need to get things straightened out.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX XXXXXXXX Balanced {$1900.00} XXXX XXXX Balanced {$1400.00}
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or RECTIFY the following items : 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: Mortgage

I was charged a late fee for my mortgage payment by BB & T Bank, even though the payments are set to automatic bill pay ( from a different bank, with whom I have a checking account ). The bank from which the payment came states clearly that the eCheck was sent the day it was due ( the same day of the month on which it is always sent ), and it was received that same day by BB & T.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their own grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and XXXX 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 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 XXXX ) the financial institution and the Consumer reporting agencies XXXX and XXXX 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, ( XXXX XXXX  XXXX ) 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  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 and XXXX 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

XXXX XXXX  I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.
Product: Credit card

I opened an account with Synchrony XXXX and they ran my credit and I was approved for {$5100.00} dollars. I never used the account nor have I EVER activated my card from Synchrony Bank. 

On XX/XX/2024 I received a letter from Synchrony XXXX saying that they are closing my account and their decision was based in part on a scoring system that was used to predict your creditworthiness? 
The reasons are : Balances on Bank Cards are too high compared with credit limits Too Many Revolving Accounts with High Balance Compared to Credit Limit Not Enough Balance Paid Down Over Time On Real Estate Secured Loans Too Few Installment Accounts Recently Paid As Agreed NEVER EVEN USED MY CREDIT CARD FROM THEM. 
IN ORDER TO OPEN AN ACCOUNT WITH Synchrony XXXX THEY RAN MY CREDIT AND MY SCORE DECREASED WITH THEM AND THE INQUIRY STAYED ON MY CREDIT ACCOUNT FOR 2 YEARS? 

I fill like they are trying to RUIN my credit. 
My major credit cards have not decreased my credit limits or closed my cards and Synchrony XXXX CREDIT are just a store credit card? 
What justifies them to be able to close my account?