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 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 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

The credit bureaus especially and most specifically XXXX has allowed inaccuracy from reporting agencies onto my credit they're also seems to be a discriminatory process taking place with XXXX for instance their XXXX boost is not made available to all customers it is selected or given according to race their concluded that I'm XXXX  and have for no good reason continually disconnected my account from being able to receive the XXXX boost option they have also made it impossible for contact when my social security number is entered their phone options become inoperable... The reporting agencies Equifax and XXXX along with them have been in non-compliance and have not screened out violators specifically in regards to reporting from car finance companies about late payments customer needs to be able to understand the correct process in seeking damages for these failures of accuracy and procedures of unfairness.
Product: Student loan

I became XXXX in XX/XX/XXXX and notified MOHELA, the company holding my loans ( {$58000.00} ; {$8800.00} and {$5200.00} from XXXX ) that I was no longer working and dependent on food stamps as I applied for XXXX. The customer service agent, XXXX, said I would be placed on zero payment due status because I was receiving food stamps. I began the process for permanent dismissal of the loans through XXXX. Over the past two years ( it has taken over 4 years to qualify for XXXX because I have severe XXXX at least 4 days a week and suffer from XXXX XXXX/XXXX ), MOHELA representatives began calling, sometimes twice a week. I notified them that I was still on food stamps awaiting XXXX and was forced to allow a friend to live in the home I had rented since I could n't afford the payment, and lived with different friends ; therefore, I did not receive communications from MOHELA. On XXXX XXXX, I called MOHELA and spoke with XXXX, to let her know documentation had been submitted to the Dept. of Education/XXXX to dismiss my loan permanently. Although she initially indicated she would correct the delinquent payment indications on my credit report since my circumstances had not changed until I was approved by XXXX ( though still waiting for payments ) ; she indicated I would have to complete another form for them because dismissal by XXXX could take up to 120 days ( I submitted all required documentation to them XX/XX/XXXX ). Then she told me she would not make the corrections to my credit report ( which have dropped my FICO score 200 or more points ). I am afraid to sign anything from MOHELA after this experience. I simply want MOHELA to remove the delinquent payment indications on my credit report because of the financial hardship I was suffering for the past four years ; I am XXXX XXXX ; and I was not in the home to receive communication from them.
Product: Credit card or prepaid card

USAA Account # XXXX for {$49000.00} and USAA Account # XXXX XXXX XXXX XXXX for {$32000.00} are the sole responsibility of XXXX XXXX XXXX, DOB=XX/XX/XXXX, SSN=XXXX-XXXX-XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.
Product: Credit card or prepaid card

I recently pulled my credit reports and noticed a Capital One account that is not mine and is reporting derogatory. I contacted Capital One and they refused to investigate. It also appears that they attached my social security number on the account that I did authorize to the fraud account, making it look like I have 2 accounts. This is having a severe impact on my credit reporting and scores.
Product: Student loan

XX/XX/2023 - My income has been dramatically reduced. XXXX wouldn't offer forbearance or deferment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting derogatory on XX/XX/2020 with payment status of collection Chargeoff when account was settled with chapter XXXX bankruptcy. If account had been charged off I would have received a 1099 form.
Product: Credit reporting, credit repair services, or other personal consumer reports

A bankruptcy was filed in XXXX. I was a Victim of identity theft and was unaware until XX/XX/XXXX. I have provided court documents to all three bureaus with no resolution. I would like to know that this attempt actually results in this item being removed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act US DEPT OF ED 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX****, XXXX XXXX XXXX****, XXXX   XXXX ( Original Creditor : 08 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX**** and XXXX XXXX  ( Original Creditor : 12 XXXX XXXX XXXX XXXX A ) XXXX****
Product: Debt collection

I called Creedence resource management to pay the {$150.00} balance that was showed on my credit report and to find out who the original creditor was. I advised that I was willing to pay in full the remaining balance.. I was told by the representative that even if I paid the balance, it would not come off of my credit report and he could help me to not only pay the balance but get it off of my credit report, but he asked for my credit card information and told me that he was going to charge me XXXX dollar to pull my credit report. I explained several times I did not want to do that. I just wanted to pay the balance in full the conversation was longer than 15 minutes, and he refused to continue the conversation unless I agreed to pay the XXXX dollar for my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved out of property that was managed by XXXX XXXX XXXX XXXX. at address : XXXX XXXX XXXX, XXXX, CA XXXX. On or about the week of XX/XX/2016. My final day at the residence managed by XXXX XXXX XXXX XXXX I paid the remainder on my lease in full to the employee and dropped of my keys. She mentioned that she could not assist me the moment with a receipt because of new company taking over properties was in the middle of transferring documents to them but assured me that a receipt would be mailed to me at my new address Approx. 190 miles away ( I NEVER RECEIVED ANY RECEIPT IN THE MAIL EVER!!! ). A few month later when I had a chance to go back in person they no longer were in business, last time i checked its now a massage parlor. XXXX XXXXXXXX XXXX XXXX is incorrectly billing me for monies and debt that I already paid in person to XXXX XXXX XXXX and they illegally sold this debt. I have disputed multiple times and currently have another active dispute on EXPERIAN credit reporting agency. Experian has ruled each dispute in favor of XXXX XXXX XXXX without providing any proof to my person.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was shocked to see inaccurate accounts listed, and I have no clue why theyre there. Ive always been diligent about reviewing my report, and everything was fine until now. Out of desperation, I refreshed my browser several times, thinking it might be a simple glitch, but the errors didnt go away. This situation is deeply upsetting, and Im pleading for the documents Ive sent to be examined carefully so this nightmare can end.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian Business Credit Report. Shows XXXX or XXXX different addresses. All the information for my business credit profile is inaccurate.
Product: Vehicle loan or lease

On XX/XX/XXXX I spoke with a broker XXXX XXXX from XXXX XXXX XXXX XXXX XXXX who recommended 5/3 Bank ( Fifth Third Bank ) for a XXXX  loan in the amount of {$50000.00}. On XX/XX/XXXX XXXX XXXX called me to inform me that XXXX XXXX XXXX was requesting Purchase Agreement, Sales Agreement, Contact information and Federal Tax returns Last XXXX  years of XXXX XXXX, copy of Drivers License and Insurance binder, in order to consider the loan. On XX/XX/XXXX XXXX XXXX sent me an email asking for my CPAs name. I did not comply with their request. I told them I could not provide my XXXX XXXX XXXX. XXXX XXXX then told me the bank will not approve my loan without the Tax Returns. I never received the loan from Fifth Third Bank. 

On XX/XX/XXXX I called XXXX XXXX XXXX XXXX and was given the loan immediately. 

I received a text message from Fifth Third Bank  reminding me of payment due soon. I immediately called XXXX XXXX with concerns because I never received the loan from Fifth Third Bank. He told me that he would contact Fifth Third Bank and clear up the situation. 

On XX/XX/XXXX I received a bill for the first installment payment from Fifth Third Bank in the amount of {$410.00} due on XX/XX/XXXX acct # XXXX. I called XXXX XXXX and he instructed for me to email the notice to him and that he would contact the bank. I immediately called Fifth Third Bank and spoke to XXXX employee # XXXX and was given a case number XXXX. I explained the situation to him and they said that it would be resolved in XXXX ( XXXX ) days. A few days later I received a phone call from Fifth Third Bank collecting on a past due payment. I made the bank get on a conference call with XXXX XXXX from XXXX XXXX bank in order to clarify the discrepancy. Fifth Third Bank then said they would contact me in XXXX ( XXXX ) Days with a resolution. XXXX XXXX sent a check in the amount of {$50000.00} check # XXXX drawn on XXXX Bank XXXX on XX/XX/XXXX in order to satisfy the loan. 

On XX/XX/XXXX, I called Fifth Third Bank and spoke to XXXX employee # XXXX. I had to explain my situation again because nothing has been done at this point. This employee denied me from speaking to a XXXX. He was very unprofessional and unsympathetic. I am at wits end. I am reaching out to you to find some solution to this problem. Below is the information to both parties involved. 

Thanking you in advance XXXX XXXX Fifth Third Bank XXXX Bank XXXX XXXX XXXX XXXX, OH XXXX Phone # XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Phone # XXXX Cell # XXXX
Product: Checking or savings account

On XX/XX/XXXX I disputed a unauthorized transaction with NetSpend All access in the amount of {$200.00} and zero cents. I was notified by the dispute department by email to write a letter of dispute within 10 business days to the department requesting the credit back to my card. I did that. I received a email after that stating that I have until the XXXX of XXXX to receive this credit back to my account. On XX/XX/XXXX I was notified over the phone by NetSpend that my dispute was closed and that they do not find any error with the the transaction. Stated that the transaction was valid and that a full investigation was made and they believe that because the transaction was made at a known merchant of mine and because I didn't change my pin before this happened that the transaction was valid and they are not issuing the credit back to my card. I called the same day of the incident and reported that my card was used and I do not recall and did not authorize the transaction. I said that " IT WAS NOT ME MADE THE ATM TRANSACTION ''. I was told that I will get help and this charge will be disputed, and on XX/XX/XXXX I was told that I can not receive my money back because NetSpend feels like there was no error found. I believe that if I call and say my card was stolen and I did not make this transaction, that is a error that needs corrected. NetSpend did not correct this error and their reason was because I have used that mechant before. I am desperately trying to recover the {$200.00} that was stolen from me and it is so not fair that my money was taken and NetSpend will not do what needs to be done to give it back. I am filling a complaint on the dispute because I know in my XXXX for a fact that NetSpend All access is wrong. If my money was wrongfully taken from me and I reported this in a timely manner, there is no reason why I shouldn't get it back. I did not receive a copy of the investigation that was supposed to be sent to me by mail and email. The supervisor I spoke to was vXXXX XXXX I was hung up on twice. I am completely feeling robbed with out any answers, this is very hurtful, I've gotten sick during the fight for my money back and I'm tired. Can someone from this Company please reach out and help me. This is my first time having to file a complaint with the cfpb.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from XXXX XXXX, that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, ( see Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which are attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct 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 legal action against them. These were already included in my prior complaint and I'm including them again. 

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

My XXXX account are saying that I have XXXX missed payments and that must be a mistake I paid those accounts on time. Can you show me proof if not can you make the XXXX negative payments positive.
Product: Credit card

I had multiple balance transfers with Discover all with a 0 % promotional interest rate, the first XXXX with the promotional rate expiring XX/XX/year>. I had been making payments for a while and they all applied to the oldest balance transfer, as I would expect. Then I had a newer balance transfer, and my payments after that were applied to the newest balance transfer instead of the oldest. I had made a large enough payment to pay off the oldest balance transfer so that I wouldn't be charged interest on it when the promotional period ended. However, since it was charged to the wrong balance, I will now be charged interest even though I paid enough to cover the promotional balance. When I contacted discover looking for assistance, I got the boilerplate explanation " We generally apply your minimum payment to the balance with the lowest XXXX. Anything paid over the minimum typically applies to balances with the higher XXXX. ". So all balance transfers were the same rate, and I would expect my payments to pay off the older balances first. I contacted Discover multiple times and didn't get any actual assistance, just the same general application hierarchy, with no offer to fix the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

On about the dates of XXXX-XXXX through XX/XX/XXXX I went online to Equifaxs online dispute platform to file a dispute of accounts that are listed and should not be there.Today is XXXX-XXXX and They have not provided me with the results of the investigation. This is a complete violation of the FCRA. Please investigate this
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 XXXXXX/XX/XXXX
Product: Student loan

I was charged an exorbitant amount of interest, so much so it made it impossible to make payments on my students loans whatsoever. Places like XXXX XXXX now Navient would n't work with me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute through Experian. {$68.00} was written off and the company ( XXXX XXXX XXXX ) is reporting {$68.00} is past due as of XX/XX/2018. How can that about be past due if it was charged off? The company refuses to remove it from my credit report even though there isn't a balance owed.
Product: Credit reporting or other personal consumer reports

I am speechless. Errors on my credit report are damaging my credit reputation. XXXX is in violation of the FCRA by reporting these inaccurate records.
Product: Mortgage

Hello ... 
I was told to go to a company named XXXX and they would give me a Loan on one of my Rental Properties. I went to this company and they told me that I would receive a loan but I asked if I paid the Loan off early would that change my payback amount and they told me no. I refinanced my House and paid XXXX on a XXXX loan but they told me that I still owed them XXXX in which I didnt understand. 
They turned the Loan over to McCarthy Burgess and Wolff Collection agency and they keep telling me I owe them XXXX. I have all my documents from my bank that shows I paid off the loan. 

What can I do?
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I opened my account XX/XX/XXXX. 
Made one transaction, can't see the date because they suspended my account. 
Then suspended my account of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Kindly remove this from my report immediately as my car and all stuff documents were stolen. Ive tried multiple times aswell as filed dispute so please remove it once and for all from ny report as I was before victim of identity theft XXXX XXXX  account {$890.00} Please remove this immediately!