23daVinci/CFPB_Complaints huggingface dataset:
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 account number # XXXX has violated my rights. 
XXXX ) XXXX Account number # XXXX XXXX ) XXXX Account number # XXXX XXXX ) XXXX XXXX  account number # XXXX XXXX ) XXXX  account number # XXXX XXXX ) XXXX account number # XXXX XXXX ) XXXX  Account # XXXX XXXX ) XXXX XXXX  account number # XXXX 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

I called and talked with a representative in XX/XX/2020. I asked to be put on the forbearance when XXXX hit. They assured me that I would not be marked late and that it would not report negatively on my credit report. I have contacted XXXX in XX/XX/2020 and they refunded me from the Late Payment fee they accidentally charged me but did not change on my credit report that I have never been late on any payments.
Product: Credit reporting or other personal consumer reports

Experian has been providing out of date and incorrect information since XXXX, there's been no updates to my file and I am unable to access my own information. I can not recieve a credit report, nor can I dispute any info being transmitted without my express permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection on my report for an account I never signed for its clearly signed by XXXX XXXX not by XXXX XXXX XXXX. Although it has my name typed there I never signed this as a joint account. I have attached all supporting documents from the original agreement after speaking with the collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

The current issue I am having is with Synchrony Bank/JC Penney. They have been improperly reporting to XXXX   credit report agency. Synchrony Bank has been reporting a date that is inaccurate. They said that the last payment was on XX/XX/XXXX. The account was closed in XX/XX/XXXX and I had made no payments in the year of XX/XX/XXXX The last payment that I had made was XX/XX/XXXX. The date of XX/XX/XXXX should not be listed as a last payment. It should reflect as last payment XX/XX/XXXX. Just by them reporting this date inaccurately has lowered my credit scores by a fair amount.
Product: Vehicle loan or lease

First Investors Servicing Corp is reporting late payments on my account. I have spoken with several First Investors Representatives and explained my hours has been cut tremendously due to the Coronavirus Pandemic. Due to the CARES ACT CONGRESS has enacted the Coronavirus Aid, Relief and Economic Security act that states a consumer whose account was not previously delinquent is current on their loan should continue to report as current. 

Prior to the Global Pandemic my auto loan was current, due to the Pandemic I have been late with 2 payments and per the Federal Government and the President of the USA no company is to report late payments to any bureaus if the Consumer is affected financially from the Global pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  DEPT OF EDUCATION/NELN Account # XXXX 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 a account without my written instructions
Product: Payday loan, title loan, or personal loan

I was offered an approved loan in the amount of {$1400.00}, with the single requirement that I submit veirfications my stated XXXX income from social security. 

I submitted my income verifications that I received from social security. 

The company then denied my already approved loan because a portion of my stated income amount is social security benefits that I receive for my minor children. The company stated that I was now being denied credit because " my income could not be verified because the income verifications I provided are not for my income and they can not use another person 's income. '' When I told the company that this income is MY income and comes in my name and is for my minor children, but that the income is mine to use, the company refused to respond to me. 

This company unfairly denied me an already approved loan because I receive social security for myself and my children. This is unfair to me, and I believe it is illegal. Also, it has adversely affected my credit score to be denied this loan after I was already approved for it. 

Please look into this situation with this Upstart company. I was approved for an promised a {$1400.00} loan if I verified my income, and I did exactly that. This company should be forced to provide me with the loan I was promised. This company should not be able to deny me based upon the fact our income comes from social security. That is discrimination. 

Letter of denial from the company : Hi XXXX, We wanted to let you know about the status of your application. Based on our verification, we updated the following components : - Income : We could verify {$11000.00} of your reported income. We are unable to consider this income since it is not in your name. Since we can not use co-signers or joint applicants, we can only consider income that is in your name. 

Unfortunately, these changes caused you to be disqualified. For more information on the status of your application, please log into https : //finwise.upstart.com. 

We regret that we were unable to provide you with a financial solution at this time. If you are interested, you are welcome to reapply after a 30-day waiting period. Please note that you will need to use a different email address to reapply. 

If you have any questions, you can email Upstart Loan Operations at XXXX, or you can call us at XXXX XXXX XXXX XXXX. Our phone lines are open every day from XXXX XXXX XXXX, except XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ref : XXXX : ref
Product: Money transfer, virtual currency, or money service

Ally Bank has frozen my online profile. I received a large payroll deposit from my employer, XXXX for a commission check. I made several attempts to move my commission XXXX  XXXX from my Ally savings account to my XXXX brokerage ; first via ach ( since thats free, but ally rejected it ), then by wire twice. The first wire was returned and a fee charged. The second wire went through but I have been locked out of my ally account ever since. 

I called them and provided tons of answers to their questions on XXXX  XX/XX/XXXX. I was given no detail about why the account was frozen, despite asking multiple times. They rushed to get me off the phone and assured me fraud prevention will review it and contact me via email. No timeline was given. 


These accounts are where I do all of my primary banking. My pay checks are deposited here ; my bills are paid here. I have a significant saving account as well, and I now have no access to any of my funds because I moved XXXX  XXXX out of this bank. This feels very unethical and like a penalty for taking a large deposit away.
Product: Payday loan, title loan, or personal loan

I signed into the XXXX app to get my payday advancement and an notice popped up saying they ca n't view if I got paid because Wells Fargo blocked them from seeing I got paid. Maybe it 's because it 's the weekend. Not sure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This company is currently showing late payments as reported in XXXX and XXXX Credit Bureaus. I have read enough to understand my rights. The Bureaus are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Product: Student loan

I have federal student loans with Edfinancial. 
At the end of the school year in 2023 after completing my XXXX year in a XXXX XXXX XXXX, I put in my XXXX loan forgiveness application into Edfinancial with all of the appropriate paperwork with signatures proving my years of service at the XXXX XXXX XXXX In XXXX I got a notification from Edfinancial that my application was denied because XXXX of the schools I worked at was not on the list for low income schools. I checked the list after getting this denial and saw that my school was on the list but there was an error on the cover page that said XXXX XXXXXXXX XXXX XXXX  XXXX XXXX instead of XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX. The page that had to be signed by the HR department to prove I worked at the XXXX had the correct XXXXXXXX name listed on his paperwork that was included in the papers given with the application. I called Edfinancial Customer Service and told them what must have happened with the mistake and a claim was put forward. I was told by Edinancial Customer Service that they would reach out to me with information about the claim and the status and that it would take a while for it to process. I never had any email notice or letter in the mail about the status of the claim. 
This past weekend I was going through my exit loan process for my XXXX XXXX and saw that I had interest accruing on my loans. I had a forbearance put on my XXXX loan so that It would not accrue interest until it was paid off with the XXXX  forgiveness loan. 
I reached back out to Edfinancial and was on the phone with them for an hour and twenty minutes. I found out that the claim from XXXX was denied and they never reached out to me or sent me a letter giving me information. The customer service rep that i spoke to said he talked to several people in the office that agreed that the application should have gone through. I was told to resubmit my paperwork. The problem I have is that I have done everything I should have done to get this approved. I do not believe that I did anything wrong with my paperwork. Edfinancial has made this process ridiculously hard and I do not trust that they will do or have done what they are supposed to do with the application process. I believe that a third party will need to take part in order for this to be looked at again and for it to be processed correctly! Please help me with finalizing this.
Product: Debt collection

Credence resource management placed a collection on my credit report for XXXX. I called and spoke with them and they verified it was not legitimate. However they tried to charge me a XXXX fee to remove something that they placed on my report and when I refused to pay for their mistake they hung up and blocked my number.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, each account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account names and numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 USC 1681 section 602a states : I have the right to privacy.

15 USC 1681 section 604a section 2 states : a consumer reporting agency can not furnisha 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 itemsof information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) states : A person shall not furnish any information relatingto a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The 3 reporting agencies in addition to providing XXXX data in many points, are inconsistent with each other overall. Below is a list of the discrepancies found on and between the attached reports. These discrepancies have been marked on the scanned and uploaded reports which have the same numbers/letters written on them as the details below to guide you in your inspection.

Points of discrepancy : Account ending in XXXX 1a : date of account closure : inaccurate 1b : credit limit history tenure of {$2200.00} : inaccurate 1c : credit limit history tenure of {$500.00} : inaccurate 1d : acct balances by months listed : inaccurate 1d2 : acct balances by months amounts : inaccurate Account ending in XXXX XXXX : account is closed and has available credit and credit limit? Inaccurate.

2b : balances on account : Inaccurate.

2c : scheduled payments : Inaccurate.

2d : actual payments : Inaccurate.

2e : amount past due : Inaccurate 2f : payment history/rating : Inaccurate 4 : cancelled by grantor : inaccurate* 5 : card history range : inaccurate** 6 : payment history/rating : inaccurate*** Account ending in XXXX 3a : account is closed and has available credit and credit limit? Inaccurate.

3b : actual payments/remarks : inaccurate/no data 3c : balance : inaccurate 3d : scheduled payments : inaccurate 3e : credit limit : inaccurate 3f : amount past due : inaccurate/no data 4 : closed by consumer : inaccurate* 5 : card history range : inaccurate** 6 : payment history/rating : inaccurate*** The following were issues regarding cards XXXX and XXXX, and some within the same reporting agency reports : *4 : both are XXXX accounts which were resolved on the same call, same day, same time, with the same solutions, resolutions, and decisions. The disputes reported were over the reporting accuracy ( whether on the part of the creditor or reporting agency ), not the facts : Inaccurate.

**5 : both are XXXX accounts, drawn from/reported by same creditor/reporting agency : Inaccurate ***6 : same creditor, same date range, same reporting agency : Inaccurate
Product: Debt collection

I am writing to express my dissatisfaction with the response provided by Chase Bank to my previous complaint filed with the Consumer Financial Protection Bureau ( CFPB ). The response I received from Chase Bank is unacceptable and fails to address the concerns I have raised regarding the disputed credit card account. 

Chase Bank 's assertion that I am liable for the account simply because two letters were sent out and not returned is unjustified and lacks merit. It is important to note that multiple individuals reside at the address associated with the account, and thus, the assumption of liability based solely on this criterion is erroneous. Once again, I want to reiterate that I did not directly and voluntarily seek credit from Chase Bank. 

Despite my repeated requests for information and documentation, Chase Bank has continuously ignored my inquiries. I have requested full credit card statements, an email address on file, a phone number associated with the account, and details regarding the payment method used. However, Chase Bank has failed to provide any of the requested information. 

Furthermore, in their response to my complaint, Chase Bank denied selling the account, contrary to the information provided by XXXX XXXX XXXX. XXXX XXXX XXXX has admitted to purchasing the account and has illegally accessed my credit report. Despite providing evidence of these violations, Chase Bank continues to disregard my concerns. 

I have previously submitted FTC reports, proof of certified mail disputes, and all relevant documentation to support my claims. However, Chase Bank has chosen to ignore these submissions and has failed to address the issues raised. 

I am requesting that Chase Bank promptly provide the requested information so that I can proceed with appropriate legal action. I expect a thorough investigation into this matter and a timely response from Chase Bank. 

Thank you for your attention to this matter. I look forward to your prompt intervention and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Over the past 7 years or more, from XXXX. I have experienced unauthorized access to my personal information due to data breaches at XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX and the dark web. The XXXX data breach, which occurred in XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX and XXXX XXXX XXXX, have exposed sensitive personal information of millions of individuals, including myself. These breaches have left me vulnerable to various forms of identity theft, as my personal data was compromised without my consent or knowledge. These incidents have further exacerbated my concerns regarding the security of my personal information, leaving it exposed to even more of my sensitive data to potential misuse by malicious actors. As a result of these breaches, I have experienced significant financial and emotional distress. I have taken numerous steps to mitigate the damage, including validation, disputes and placing fraud alerts on my credit reports, monitoring my accounts closely for suspicious activity, and working with financial institutions to secure my accounts. However, despite my efforts to safeguard my identity, I remain deeply concerned about the long-term consequences of these breaches on my financial stability and personal well-being. Please see my attached FTC Identity Theft Reports.
Product: Mortgage

I 'm formally requesting you to delete 30 day late reported for act # XXXX for XX/XX/2015. My family on my behalf called Ditech to make a payment over the phone however it did NOT register in your system. I 'm a XXXX thus I used a line for XXXX to make the payment for XX/XX/XXXX and was assured that it will be property processed, but it was NOT. Now you are reporting a 30 day late on my credit report when in reality I was never late on this account it was YOUR fault and failure to properly process my payment. 
I 'm requesting you to delete this late reported as it is a violation and a discrimination on your behalf and it is hurting my credit greatly!
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice i have fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit card

I really need CITI to lower my interest rate for a short period of time. Because of lowering my original credit limits my credit score has dropped drastically. Therefore my ability to receive more work has been limited to the point where I need to make this request.
Product: Checking or savings account

TO WHOM THIS MAY CONCERN : MY NAME IS XXXX XXXX AND I AM REACHING OUT TO U ABOUT A SITUATION THAT TRANSPIRED ON XX/XX/ ON ROBINHOOD TRADING PLATFORM, WHICH INCLUDES ROBINHOOD FINANCIAL LLC/ ROBINHOOD MONEY.LLC. UP UNTIL THE THE DATE LISTED I HAD NEVER HAD TO REACH OUT TO ROBINHOOD, HOWEVER ON THE DATE LISTED THERE WAS SOME QUESTIONABLE ACTIVITY ON MY ACCOUNT SO I CALLED ROBINHOOD CUSTOMER SERVICE FROM A NUMBER THAT WAS POSTED PUBLICLY? SOME ONE ANSWERED AS IF THEY WERE ROBINHOOD CUSTOMER SERVICE AND BEGAN TO ASK LEGITIMATE QUESTIONS ABOUT MY CONCERN AND STATED THEY NEEDED TO ACCES MY ACCT TO SEE WHAT WAS GOING ON, LONG STORY SHORT THEY WERE VERY QUICK AND EFFICIENT AND HAD THE SAME TECHNOLOGY AS OTHER FINANCIAL INSTITUTIONS ; EVERTHING WAS JUST MOVING FAST. ONCE GAINING ACCESS TO MY ACCT. THEY BEGAN TO PURCHASE CRYPTO AND OPEN A ROBINHOOD SPENDING ACCT THAT I DID NT KNOW WAS EVEN OFFERDED AND BEGAN TRANSFERING MONEY ETC.I THATS WHEN I BEGAN QUESTIONING WHAT WAS GOING.. THEN WE GOT DISCONNECTED..THEY CALLED BACK AND I WAS CONFUSED AND AFRAID AT THAT POINT, I TRIED TO STALL THEM TO GET TO POLICE STATION, WHILE AT POLICE STATION THERE WAS A LINE IN FRONT BY THAT TIME THEY HUNG UP I MADE POLICE REPORT.. BUT I WAS STILLED CONFUSED ABOUT TO GET IN TOUCH WITH ROBINHOOD AFTER REALIZING THAT ROBINHOOD DID NT HAVE A DIRECT CUTOMER SERVICE LIKE MOST OTHER PLATEFORMS.. THEY ONLY HAD A VOICE MAIL BOX.. SO I BEGAN TO REACH TO THEM VIA E.MAIL WHICH THEY DID NT CORRESPOND FOR HOURS? AND STILL TO THIS DAY I HAVE NOT HEARD FROM THEM DIRECTLY NOW I AM LIMBO. WHAT THEY DID BETWEEN THE CRYPTO AND THE SPENDING ACCOUNT HAS COST ME APPROXIMATELY {$7000.00} AND I STILL HAVE NOT HEARD FROM ANYONE AFTER REACHING AT LEAST 5 TIMES SINCE XXXX PLEASE HELP. THANKS
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried disputing this address two years ago and the address is incorrect. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX Address Identification Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account name and number XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) had 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 : States consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX, 60 days XXXX, 90 days XXXX, 120 days XXXX, XXXX, 30 days XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found erroneous information. The XXXX and TransUnion credit bureaus are required to validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unauthorized to leave this reporting account as unverified information without providing proof within the legally allowed period. The following account needs to be investigated and corrected due to erroneous reporting in my file : XXXX XXXX XXXX  Balance Owed : {$260000.00}.