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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

On XX/XX/2021. Someone try to deposit {$1500.00} fake check to my checking account, and on the same time, after he/she deposit fake check, he/she also withdraw {$1000.00} cash from my checking account. Few days laster, the {$1500.00} fake check return back .so I lost {$1000.00} from my checking account. I try to contact Chase customer and go to Chase branch to talk with them.Chase bank didnt give me a response.Chase bank close my checking account without any reason.and also didnt refund {$1000.00} to me I also have a police report before my Chase checking account Fraud. Because around XX/XX/2021, someone stole my Identity.
Product: Debt collection

as of XX/XX/2021 Universal Collection Sys has reported a as a collection on my credit report, thus damaging my credit. I previously reached out to company to inform them that I do not owe any debt and any attempt to collect a debt from me or damage my report would be fraudulent in nature and according to the FDCPA I am the consumer pursuant 15 USC 1692, and I do NOT owe any debt. I have never provided my social security number or card for any line of credit from this company. I am an XXXX XXXX pursuant 15 USC 1602 and upon the request of the Social Security Administration I am to immediately return the Social Security Card, therefore I do NOT owe any debt attached to the card pursuant 18 USC 8. I have never entered into any contract with this company and This company has refused to validate any debt owed by investigating family, associates, and/or neighbors pursuant 15 USC 1681 ( a-e ).
Product: Mortgage

Error. XXXX XXXX ( Lender ) and Specialized Loan Service ( Servicer ) ( " SLS '' ) have erred by not evaluating my ( several ) loss mitigation application ( s ) in accordance with RESPA. In particular : a. Failure to evaluate a complete loss mitigation application. SLS has requested the same documentation several times, to which I have responded each time : SLS request XXXX XXXX ; SLS request XXXX reply XXXX ; SLS request XXXX reply XXXX ; SLS request XXXX reply XXXX, and SLS request XXXX reply XXXX. 

b. Failure to provide accurate information. SLS is requiring a signature and/or information from a party unnecessarily. 
XXXX SLS continues to require financial information for an owner of the property who is not personally liable to repay the note, has surrendered the property in XXXX per final bankruptcy discharge, has been living in another home since XXXX as evidenced by a signed lease agreement for a residence which has been provided to SLS, who is not contributing to the mortgage payments in any manner, who is noted in court orders since XXXX XXXX as residing at the leased residence, and has no intention of returning to the property. 
ii. SLS has dual tracked by filing a motion for relief in my bankruptcy case no. XXXX ( XXXX XXXX XXXX ) while complete loss mitigation application ( s ) are pending. 
iii. SLS has failed to acknowledge and failed to respond to my Requests for Information sent on XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the XXXX period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, XXXX consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in XXXX XXXX highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in XXXX XXXX highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data. 
Please make all listed below update or deleted in my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

i have never been late to this account. i have records of all my payments sent to XXXX XXXX and XXXX for this vehicle. 

on the month of XX/XX/XXXX XXXX apparently misplaced my check and payment. 

i paid my XX/XX/XXXX payment on XX/XX/XXXX Check # XXXX i paid my XX/XX/XXXX payment on XX/XX/XXXX check # XXXX i paid my XX/XX/XXXX payment on XX/XX/XXXX check # XXXX i paid an additional payment on XX/XX/XXXX via phone. 

later on i spoke to XXXX and they apologized ad cleared the late payment fees and asked me to dispute the information with the credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XX/XX/XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XX/XX/XXXXXXXX XXXX XXXX {$22000.00} XX/XX/XXXX XXXX {$17000.00} JXX/XX/XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX {$5000.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I have been a victim of identity theft since 2012. I took it upon myself to turn in all documents related to my identity theft to send to the three major credit bureaus to prove a solid case against items continually showing on my credit reports. This process goes as far back as XX/XX/XXXX. Since then Equifax has completely mixed my file with other individuals resulting in over 36 negative accounts being added to my report and causing a very depressing drop in my credit. Each week Equifax would report a new item being removed but it would still remain, this makes my score down even more. I've sent documents certified mail, I've called and Emailed and now, reports that have been removed just keep reporting. Something needs to be done immediately as this is sending me to suicidal thoughts. If an item has been removed and proof was giving, how can they keep reporting inaccurate information? That is illegal and I am ready to file a complaint and sue. I have been XXXX due to not being approved for housing because of negative items that have been proven aren't mine but continue to be reported. I am not at all ok. XXXX  and XXXX  are doing the same exact thing. Removing accounts and stating they are blocked but reporting them every month even when it's proof they have been removed but put back on. This is illegal and I want to sue them all.
Product: Debt collection

In XX/XX/2019, I had a XXXX and was taken to the hospital in an ambulance operated by XXXX XXXX XXXX. Initially, my health insurance only paid {$560.00} towards an overall bill of {$3800.00}. When I called my health insurance, and explained that this was an emergency situation and that I was admitted to the hospital, my insurance paid XXXX XXXX XXXX an additional {$3300.00}. 


XXXX XXXX XXXX has contracted with Credence Resource Management to collect the debt of {$3300.00}. They have called my phone and sent bills via the mail many times over the past 2 years. I have told Credence Resource Management every time that this bill has been paid and to stop contacting me. I got yet another bill in the mail today and I'm sick to death of being contacted.
Product: Credit reporting or other personal consumer reports

These accounts were charged off on the following date : XX/XX/year> Since then the date of last activity has been inconsistently updated to all XXXX credit reporting agencies XXXX, XXXX, and Experian If the dates are coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate, therefore all the accounts are deemed inaccurate. Please delete all accounts from my credit report immediately. The accounts are listed below with all relevant information. 

Account name : XXXX Account # : XXXX XXXX : Date last XXXX XXXX : Date last XXXX, XXXX Experian : Date last active, XXXX Account : XXXX Account # : XXXX XXXX : Date last XXXX XXXX : Date last active, XXXX Experian XXXX Date last active, XXXX Account : XXXX  Account # : XXXX XXXX : Date last active XXXX XXXX : Date last active, XXXX Experian : Date last XXXX
Product: Vehicle loan or lease

Summary : Hyundai Motor Finance allowed me to setup an autopay but prevented me from cancelling it online and did not cancel it over the phone. As a result, they continued to attempt to make the payment, which resulted in me owing XXXX further NSF fees. 

Details : I had a bank account closed due to fraud. This generated a return due to " Account Closed '' on my Hyundai Motor Finance autopay. Despite this, XXXX continued to attempt to charge my account and after the second return blocked me from making online payments. As a result of the block, I was prevented by their website from making changes to my Autopay -- specifically I was blocked from cancelling it. I called them twice and was told by their debt collection team ( first call ) and their customer service team ( second call ) that my autopay was cancelled. On my third call today, 5-6 months after the initial bounce, I was told that my autopay had again been cancelled. 

XXXX refused to refund my NSF fees and refused to investigate the problem at hand ( which is clearly a software/dunning logic issue ). 

Thank you, XXXX
Product: Student loan

In XXXX of XXXX, I submitted my annual recertification for the IDR plan which I have done for years without issue. I spoke with XXXX XXXX at Aidvantage ( new servicer ). My payments were to be {$10.00} a month for the SAVE plan per XXXX XXXX. and those payments were made so I had no idea there was an issue with my loans. On XX/XX/XXXX, I discovered that Aidvantage is demanding a past due payment of {$600.00} for several months. Aidvantage screwed up my account and they can not be trusted. I set up autopay and made monthly auto payments. I have a PDF stated my IDR recertification was approved. I also want a full accounting done on my loans as I do not trust Aidvantage. I disagree with the amounts due and the interest accrued on each loan. Aidvantage is an unethical loan shark. I want the Department of Education to verify each loan 's interest charges and loan amounts. I WANT A NEW SERVICER. This company 's errors have the potential to ruin people 's lives and they must be held accountable. The CSRs keep customers on hold for over 45 minutes. Then I spent over an hour speaking with another CSR named XXXX XXXX. XXXX stated that I needed to go into forbearance so they could find out what happened. They screwed up that is what happened! I was on the phone for over 2 hours. THIS MUST BE TAKEN CARE OF. I DO NOT TRUST AIDVANTAGE!
Product: Credit reporting

My credit report included a collections balance that was caused by my utility company sending a bill to a wrong address and not following up on correct address. Upon learning of the collection, I had the mistake corrected with XXXX, paid the balance and requested a letter from XXXX acknowledging the mistake and the fact that the balance was erroneously sent to collection and was recalled. Since I am applying for a mortgage currently, I had submitted the letter from XXXX to the major credit agencies. XXXX of the XXXX were able to process the error in a relatively timely fashion. However, the equifax website has been unavailable / non functional for the past 45 days ( I have tried XXXX to submit the dispute and upload the letter but it keeps giving an error ). I called them today ( recorded call ) and they acknowledged receiving a notice from the collection agent in XXXX ( 3+ months ago ), but have not yet been able to amend the error. They also refused to get in touch with XXXX collection and stated that they need to passively receive a " secure feed '' from the collection agent in order to make a change. The other XXXX agencies had no such issue. I have been in touch with XXXX, they acknowledged the recall action took place weeks ago. 

As mentioned, I am applying for a mortgage and am risk of being turned down or not getting the rate or product I prefer due to Equifax 's incompetence and negligence.
Product: Credit card or prepaid card

BOA is a bunch of thieves. I have had a BOA credit card since 2015. Prior to that I had a car loan that I paid off. My consumer credit score is XXXX. I pay my credit cards off weekly for the most part. Since having the credit card I have paid just over {$470.00} in interest. It is a rewards card that pays me cash back. Tried to use my credit card last week, but it was declined at the register. Thought it was the XXXX machine issue so I gave it no thought at the time. Logged into the app on my phone. No notice of any issues from the BOA. Received a letter in the mail that the card was canceled by BOA. Called to find out why, the person at BOA said they do not need to tell me. I Asked to speak to the manager, but they said they couldn't transfer me. That person was the last one I would be able to speak to. I asked to use the cash back of {$82.00} in my account to pay down the {$450.00} bill, they said no. Once the account is closed, I have no access to the cash back I earned. Horrible company. Guess they didn't make enough interest in me so they closed the account and stole the {$82.00}.
Product: Debt collection

This debt is unfair and not correct to my knowledge. The issue now is that NCB has responded to a previous complaint but this complaint is different. I want NCB to be able to explain why Im being charged of a debt when I have a balance of XXXX $ with my XXXX  account and have documents that display I have 100 percent paid off this balance. This is was not explained to me in my previous complaint to NCB management. NCB management has stated XXXX sold them this debt when I spoke to them via phone and Ive tried several times to reach NCB via phone since then and have not spoken to someone further regarding this issue. They have stated this debt was sold to them but I would like further documentation that can explain why and how this is so when Im attaching docs that shows my XXXX account was closed and paid off 100 percent. Years later, I receive notice from my credit report that of a debt I never had any knowledge of due to the fact I was always understanding that the account was closed and again, with a XXXX balance. 

Again, please show other information and document that can explain why i have documentation that says otherwise which is very unfair to me to understand an account is paid off and then years later receive notice saying something other than this. I have docs. aSee attachments
Product: Credit reporting or other personal consumer reports

Ive had identity theft issues for the last six years and I have recently seen that someone has used my identification possibly at a Car dealership as well as a local bank or several local banks. There are three people of interest including a VA revenue of XXXX XXXX and XXXX XXXX as well as XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

There are 3 addresses showing on my credit report. I currently live at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I have not lived at the other addresses XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  or XXXX XXXX, XXXX  XXXX in over 15-20 years and these addresses need to be removed from my report. In addition there's an account that has been closed for 8 years and still showing on my report ( XXXX ). The balance is XXXX and it's paid in full. I would like to have this removed as well. I voluntarily closed my acct ( XXXX  ) and left it with a XXXX balance. Is it possible for me to have this removed as well?
Product: Credit reporting or other personal consumer reports

What Happened? 

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Student loan

I am actively participating in the PSLF program. I submitted a PSLF application to FedLoan Servicing on XX/XX/XXXX with acknowledgment of receipt. On XX/XX/XXXX I received an updated count of my qualifying payments which showed a sufficient number for forgiveness under the PSLF program ( 126 of required 120 payments ). 

On XX/XX/XXXX I received notice that I was denied loan forgiveness under this program with the following reason provided : " NOT ELIGIBLE YET : You have not yet made the required 120 qualifying payments necessary to be eligible for PSLF. To qualify for PSLF, you must make 120 qualifying payments. '' This same letter still quoted my total qualifying payment count as being above 120. 

On XX/XX/XXXX I spoke to a representative at FedLoan Servicing who told me this is incorrect and just " wait for an updated letter ''. 

On XX/XX/XXXX I received an updated letter from FedLoan Servicing again denying me forgiveness with the new stated reason being " NOT ELIGIBLE : Your employment dates listed on the application were prior to XX/XX/XXXX. Only dates of employment on or after XX/XX/XXXX at a qualifying public service organization can be considered for PSLF or TEPSLF. '' This is incorrect information as the loans in question were not even disbursed until XXXX.