23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon. I am reaching out directly to the CFPB for help with an issue I noticed on my credit report from a credit card that I currently have with XXXX XXXX XXXX. I have had this card for a few years now and it has a {$600.00} credit limit on it. I had a balance of {$430.00} that on XX/XX/2018 I paid off in full with XXXX XXXX XXXX, which brought me down to a {$0.00} balance with XXXX XXXX XXXX. I have not once used this card to purchase anything, but I continued to get charged interest fees and annual fees every month since I have paid that account down to {$0.00}. Now, I got online today and received an email from my credit reporting agency informing me that I had a late payment posted to my credit report, which has never ever ever happened for me in my whole life, so naturally I was shocked and upset. So, I checked my credit report and it was showing XXXX XXXX XXXX as past due now over 30 days. I logged into my XXXX XXXX XXXX account and it is showing a past due balance of {$58.00}, which I paid that very moment. I researched into this and noticed that for some reason my automatic payment that came out automatically from my bank account eveyr month through XXXX XXXX XXXX had mysteriously just stopped being issues to my bank account since XXXX of this year. This credit card payment has always automatically cleared my bank account on auto payment every month on the XXXX of the month ever since I have had it. Upon researching even further I noticed that every month since I had paid this card down to a {$0.00} balance and have not used it I have an annual fee of {$8.00} posted, which had never been the case prior to me paying this account off. This is what lead to a payment being due, which I never used the card so there shouldn't have been a payment due, nor has there ever been a monthly fee for an annual fee ( redundant right? ) on this account before in the past. That combined with my monthly autopayment being mysteriously stopped lead to me having my first ever last payment posted to my credit bureau, which dropped my credit score over 150 points. Never once did I ever get anything in the mail showing a payment due, nothing in my email, no phone calls, absolutely nothing. When I pay the card off and don't use it I d n't expect to have a payment due so it's not something I would go looking for so this completely caught me off guard. Had I known of this payment being due I would've paid it. This is completely and totally wrong of this credit card company to do this to me and I am quite distraught about it and I am here begging someone to help me please get this off my credit reports. I am beginning the process of trying to buy a house and this is going to completely ruin all of the hard work I have put into my credit over the years over something that I did nothing wrong with. Please, is there anyone at the CFPB that can help me get this resolved?
Product: Credit reporting or other personal consumer reports

Please be minded that if you send a computer generated letter not to open the dispute request I am going to file a complaint. There is not a single item in my letter that could possibly lead one to believe it was not written by me. Failure to do so must be penalized according to 616. [ 15 U.S.C. 1681n ] that states any person who willfully fails to comply with any requirement under this law concerning a consumer is accountable to that consumer for a sum compromising : XXXX. A : The actual damages suffered by the consumer due to the failure, or damages ranging from not less than {$100.00} to not more than {$1000.00}. 

Firstly, I want to make sure that, in accordance with FCRA standards, you have and only retain current, true, correct, complete, and mandated reported information. I also want you to remove any and all deficiency of any condition, mentioned or not, and to demand any and all other information I request. 

I give you no permission to report any false information, past or present. Please check to make sure you are in complete and proper compliance with the regulations that control how you report consumer credit profiles. 

Kindly, look into the following and remove if it's not entirely accurate : XXXX | XX/XX/year> : Account number : XXXX, XXXX | XX/XX/year> : Account number : N/A, XXXX : Account number : XXXX, As you look into these things, I want my personal data to be updated. Please fix the spelling errors in my name and incorrect outdated address in my report. My name should be spelled as XXXX XXXX. My address that should be reporting is XXXX XXXX XXXX XXXX, SC XXXX. I am attaching a copy of my ID and a Proof of Address supporting my request. Kindly make sure that all misspelled names and incorrect addresses shall be removed immediately. 

I appreciate you acknowledging how serious and frustrating this issue has been for me. I appreciate you carrying out your duties. 

Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the fair credit reporting act FCRA section 605B it is illegal to report information on my credit report without my permission. I am a victim of identity theft. Please remove this item from my credit report. Thank you
Product: Mortgage

XXXX charged my husbands checking account after being told he passed. They charged his account 3 times and charged me charge back fees for this. Next they never informed me that the insurance company canceled the policy instead sent emails to my dead husbands email account now they are charging me XXXX dollars for 30 days of no insurance. Finally I am trying to assume the loan and they refuse to work with my attorney or I Or give me call back to work with us to assume the loan. They told my attorney that I assume with will take 9-12 months or surrender my house immediately.
Product: Student loan

I am writing to formally contest the unfair determination, denying my multiple applications for the Public Service Student Loan Forgiveness Program program. I have worked in public service continuously for my entire career and have been paying on my student loans since XXXX. I was denied this last time due to an issue that could be rectified immediately with a public EIN search. There are extensive notes and annotations on my account explaining the situation that I have been put through by this incredibly poorly managed federal program. 

When I submitted the initial application in XXXX, my application was denied and I was also denied the Temporary Public Service Student Loan Forgiveness Program because my payments were not considered qualifying. I was put in an appropriate payment plan, which I was told that if I paid for an entire year, I would be eligible again once that year was up. I submitted my forms again at the conclusion of the qualifying payment term and my current application, which is perfectly acceptable, has now been denied repeatedly for completely unfounded reasons. 

The most recent denial has happened after spending hours on the phone with representatives and following all explicit instructions on how to fix the issue. I was told that I needed to submit an explanation why the EIN from my employer is different on the form submitted in XXXX, which I did in writing via the website. I qualify for this program and yet have been repeatedly denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I submitted via certified mail in which was signed for on XX/XX/XXXX, a notarized FTC report, notarized police report, notarized personal statement and copy of my credit report including highlighted fraud and inaccurate items to the credit bureau. Per my request and FCRA rules the bureaus had 3 days to remove all listed fraud accounts and incorrect information from my profile however they only removed some items. I have given the bureau ample time past the allowed time given via the law to remove all fraud items and associated inquiries yet they are refusing. I have had a fraud alert and have taken proper legal precautions, such as flag my social and replace my DL since XXXX. I have even disputed such items and the bureaus have refused to properly verify the validity of such accounts, now they are refusing to remove them even with a Federal report and police report backing me as validity that the accounts are fraud. Please remove remaining fraud items from my report.
Product: Credit reporting

I have XXXX XXXX accts that have been sold to a XXXX party collection agency. Negatvies being reported by XXXX AND the new company ( XXXX XXXX ). so, instead of XXXX delinquent entry, all credit reports reflect XXXX delinquent entries. I feel this is a double jeopardy scenario. I do not feel that any of the XXXX major credit reporting bureaus have done anything to help me. they have attempted to pacify me with phone calls and offers of reduced rate credit monitoring services. they have done nothing to actually resolve my dispute up to and including investigation into my issue.
Product: Credit reporting or other personal consumer reports

1. On XX/XX/XXXX I sent XXXX a letter opting out of reporting. Its been over a month and they are still reporting. According to 12 CFR Part 1001, the Consumer Financial Protection Bureau ( CFPB ) is mandated to enforce federal consumer financial laws, ensuring the protection of consumers in financial transactions. This is also found in 15 usc 6805.

2. Family Educational Rights and Privacy Act ( FERPA ) of 1974. As a federally protected individual under this act, I am entitled to the privacy and confidentiality of my educational records. XXXX continued to violate me by disclosing information without my explicit written consent, in accordance with the provisions outlined in FERPA.. FERPA can be found in 20 usc 1232G and codified in 34 cfr 99. 

3. By XXXX still reporting to third parties AGAINST my consent. Its a violation of my privacy. The Privacy Act of 1974, specifically under USC 5 U.S.C. 552a and 34 CFR Part 99.. This action violates the privacy protections outlined in the Privacy Act, which governs the collection, use, and disclosure of personal information by federal agencies, including educational institutions like XXXX. 

4. Please refer to the letter attached for more laws and violations.
Product: Mortgage

I refinanced my residence with XX/XX/XXXXin the spring of 2020. I had set my payments up to coincide with my payroll so that I was making 26 full payments a year as I'm trying to get the loan paid down as quickly as possible to retire in a few years. 
XXXX sold my mortgage servicing to PHH.

I researched payment methods available at PHH and they do not provide an option to sync your mortgage payments with your payroll frequency. The best they can do is have you sign up for two specific dates during the month which will become out of sync with your payroll and eventually result in over drafting of you checking or the ACH Debit being returned for inadequate funds. 
In any event this is to the detriment to the consumer. 

It does not seem appropriate that a mortgage can be sold to another servicer if the new servicer can not provide the same level of service as originally provided. If this has an adverse impact on the consumer the consumer should be able to require the original servicer maintain the servicing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit bureaus ( XXXX, Experian, XXXX ) are reporting inaccurate information on my credit report and have refused to help me! The following accounts are not accurate : 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 In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that possible if dates and other items are inaccurate. This is grounds for removal and they also violated my rights under 15 U.SC1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A. section 2 states a consumer reporting agency can not furnish an account without my written instructions Also the credit bureaus took more time than allowed to complete their investigation, here is my certified tracking # : XXXX - XXXX Experian - XXXX XXXX - XXXX
Product: Student loan

I am attempting to transfer to a University in Oregon but I can not due to defaulted loans. I'm not sure how much I owe. I don't feel comfortable giving out my contact information to General Revenue Corporation just to retrieve information. With the recent student loan forgiveness, isn't this illegal?
Product: Credit reporting or other personal consumer reports

Please find attached, along with XXXX supporting attachments, my Formal Direct Dispute of Alleged Account No. : XXXX XXXX XXXX XXXX and its corresponding Receivables In Case Of XXXX XXXX XXXX XXXX  ( formerly known as ) XXXX XXXX XXXX XXXXXXXX, dated XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint regarding inaccurate information on my credit report provided by Transunion I have identified several inaccuracies that I have disputed, but my concerns have not been adequately addressed. 

Inaccuracy # XXXX : XXXX XXXX Account Number : XXXX Description : Never Late Inaccuracy # XXXX : XXXX XXXX Account Number : XXXX Description : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Inaccuracy # XXXX : XXXXXXXX XXXX  Account Number : XXXX Description : charge OFF Inaccuracy # XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Description : Charge off Inaccuracy # XXXX : XXXX XXXX XXXXXXXX Account Number : XXXX Description : Never Late Inaccuracy # XXXX : XXXX XXXX  Account Number : XXXX Description : Never Late Inaccuracy # XXXX : XXXX XXXXXXXX XXXX Account Number : XXXX Description : NEVER LATE Inaccuracy # XXXX : XXXX XXXX  XXXX Account Number : XXXX Description : CHARGED OFF Inaccuracy # XXXX : XXXX XXXX  XXXX Account Number : XXXX Description : Charge off Inaccuracy # XXXX : XXXX Account Number : XXXX Description : CHARGE OFF Inaccuracy # XXXX : XXXX XXXX XXXX Account Number : XXXX Description : NEVER LATE Inaccuracy # XXXX : XXXX XXXX Account Number : XXXX Description : NEVER LATE I have made multiple attempts to resolve these issues directly with the agency, including submitting documentation to support my claims. However, the agency has not provided satisfactory responses or corrected the inaccuracies. 

This complaint is based on potential violations of the following laws and regulations : 1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) : 1. Under the FCRA, consumers have the right to dispute inaccurate information in their credit reports, and credit reporting agencies are required to investigate disputes and correct any inaccuracies.

2. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) : 2. If any of the inaccuracies relate to debt collection, the FDCPA prohibits unfair practices in the collection of consumer debts. 
3. Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5481 et seq. ) : 3. This act grants the CFPB authority to oversee and enforce compliance with consumer protection laws, including those related to credit reporting. 
4. Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) : 4. If applicable, this act requires lenders to provide clear and accurate information about credit terms and costs. 

I am particularly concerned about the lack of transparency in the verification process and the impact these inaccuracies have on my credit score and financial well-being.
Product: Bank account or service

I opened a checking account with hunington two months ago on XXXX/XXXX/XXXX i got a alert on my phone stating XXXX was withdrawn I called hunington they stated I had a offset with them from XXXX from a old checking account I stated I did not recall this and how was a able to open a new account if i owed them money they could n't answer my question. My pay was deposited on XXXX/XXXX/XXXX and my sons ssi beneft was deposited on the XXXX/XXXX/XXXX they stated that i would get his ssi back to send proof so i emailed XXXX with proof and she stated spoke with manager and since my check was deposited and his they cant tell which money it came from so no refund??? My account was never froze or i did n't get any notification of this. I do n't understand how they can do this
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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXXXXXX XXXX Account XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Acct # 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 instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

COLLECTION, CHARGE-OFF ACCOUNTS APPEARING ON CREDIT CLOSED AND CAN NOT HAVE LATE PAYMENTS. THESE COLLECTION ACCOUNTS MEANING THAT THERE SHOULDN'T BE REPORTING OPEN, NO LIMIT, NO PAST DUE AND NO PAYMENT STATUS. 
NOT ONLY THESE COLLECTION ACCOUNTS DOESN'T BELONG TO ME BUT THESE ACCOUNTS ARE IN VIOLATION AND NEED TO BE REMOVED IMMEDIATELY BECAUSE THERE ARE LATE PAYMENTS AFTER THE ACCOUNT IS CLOSED. 
1. XXXX 2XXXX XXXX 3.XXXX XXXX  4.XXXX 5.XXXX IN THESE ACCOUNTS ARE REPORTING INACCURATE ALONG WITH DATE OF LAST ACTIVITY AND DATE OF LAST PAYMENT
Product: Checking or savings account

No matter how much I do verification or whatever Capital One keeps locking my account freezing my transactions reversing my transactions I'm going to get criminal charges for a vehicle because they keep reversing a transaction that I'm calling to tell them I'm making. I am bed bound I physically can not ride an hour and a half to go to a brick-and-mortar building I have told them this over and over I've also told them that I have a id me online or I could send them a selfie go to my ID with today 's date anything that I could possibly do besides physically be there and no one will work with me and they keep locking my account and I was supposed to be out of my house 2 weeks ago I have till tomorrow and I can't access any of my money and when they say I can and unlock everything they reverse all the charges again and the dealership said they are going to go for criminal charges if I don't get it taken care of soon
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SEVERAL Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$8200.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXXXXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Bank account or service

Bank of America has stolen money from me for years, but now I have proof. 
I was sent {$200.00} and {$100.00} by way of their banking app and never received the money in my account. I have done this numerous times over the past year, and it has worked fine. But for some reason, now, the money is not coming into my account. I have already spent a few hours on the phone about this and they continue to tell me they do n't see anything. I have pictures from the individuals ' accounts who sent me the money confirming the money left their account into mine. I have given confirmation numbers for both transactions and the bank told me those are n't good for anything.
Product: Credit card

My Discover card was used for unauthorized online purchases at XXXX and XXXX. The total amount may be calculated from the attached statements. I can't list all the charges and dates due to lack of provided space in this report, as some of transactions were repeated by the Discover card Customer Protection Services, as they gave me temporary credits and charged me back more than once for the same transactions. The attached statement indicate charges from XX/XX/2023 in XXXX online store for {$530.00} ending in XX/XX/2023 security adjustment for {$2200.00}, which was originally posted on XX/XX/203 on XXXX online store. The total amount of XXXX online charges were {$13000.00}, which included multiple disputes and reversals by Discover Customer Protection Services. XXXX online charges started on XX/XX/2023 with the amount of {$680.00} and ended on XX/XX/2023 with the amount of {$3300.00}. For some reason, Discover Customer Protection Services charged me additionally for the unauthorized online purchases delivered to unknown address to unknown person named " XXXX '', which is neither of my first, middle, or last name. The total amount of unauthorized charges, disputes, reversals, and adjustments related to XXXX online purchases was {$43000.00}. All details about unauthorized charges, temporary credits, reversals, and adjustments are listed in my attached Discover statements, and Discover card Customer Protection Services gaslighted and blamed me for being a victim of unauthorized online purchases delivered to unknown people by also making me liable for all fraudulent activity with my Discover credit card. Those unauthorized transactions drained my savings account linked to my Discover card for Auto-Pay. They also blamed me that my previously submitted police report # XXXX indicated " Identity theft '' instead of " Fraud '', which was not an option for submitting such a report.
Product: Credit reporting, credit repair services, or other personal consumer reports

BMW financial services is reporting a balance twice on my credit report. Also the balance is incorrect. I do not owe BMW anything. They also have an account trying to collect twice with a collection firm.