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

I don't know how to go about getting this corrected so I was told to file a complaint if things on my credit were incorrect. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX, SS XXXX DOB XXXX I found an incorrect spelling of my name XXXX XXXX XXXX is my only name please delete any other version. I was looking further into my file I found addresses that I never lived at. Please delete the following unknown addresses : XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the company a validation of debt to prove that the alleged debt they say I owe belongs to me and they sent me back a couple of bills and I dont recall any services with this company and theyre reporting the debt on my consumer report by this company illegal action this a clear HIPAA violation and identity theft since I never gave the company permission to put anything on my consumer report
Product: Debt collection

I sent the Weinberg Mediation Group a validation debt letter, and cease and desist letter. They continue to call and  harass my mother and I.
Product: Debt collection

I recently sent a 2nd letter to XXXX asking them to investigate a negative Item on my credit report from Credit acceptance, in the letter as well as a wet signature from XXXX stating that they Received the letter ( I never received it ) the letter stated that XXXX XXXX was not a form of real investigation. I also reach out to credit acceptance asking them to close and delete this negative information as well from my credit report. I received a miscall from the company that led me to call them back in hopes that I would speak to someone about this matter, I ended up leaving a voicemail that I did receive a call from them to please call me back and they never did. Credit acceptance made a statement to your company that they called once and never got in touch with me, that is a lie being that I called back and left a message with XXXX XXXX XX/XX/ as well as sending her an email back on on XXXX she never responded to the email either. I am asking that I get a fair response about this matter and have it permanently removed from my credit report being that they can not provide me with the information that was stated in the letter that I sent off. I am reporting both XXXX and Credit Acceptance for not following through a proper investigation.
Product: Debt collection

Navient is calling me almost daily regarding my XXXX yr old daughter 's student loan debt. She does not live with me but they are calling my mobile number ( even on Saturdays ) in spite of my requests not to be called and informing them she is not a household member. 
I refused to cosign for her XXXX XXXX loan and do not understand why they would provide her funds when she did not qualify on her own. 
Her father says he agreed to help her with a loan but does not recall signing an application and requested a copy of this. Navient states he did sign but copy has not been provided. 
He has explained to Navient reps she is not a househd member, is unemployed and only had part-time employment prior to this. He also reported he was a XXXX, but recently retired after having several bad crop years. 
Several months ago when questioned about household income, he disclosed to a Navient rep that I received retirement benefits. Since that time Navient is calling me. Can they call after I requested not to be contacted? Can they call me if I am not a cosigner? How did they obtain my mobile number? Called ID displays call originates from GA & has a XXXX area code-is this legal?
Product: Credit reporting or other personal consumer reports

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

I opened a Value City Synchrony Credit Card in XXXX of 2020 and always paid on time and had {$0.00} balance with {$1000.00} credit available at the time they closed my account. The reason they closed my account was due to, too many open accounts and having a recent mortgage. I didnt know they close your account for buying a house which also approves my credit worthiness. When Synchrony closed my account it caused my credit score to drop due to the amount of my overall credit decreasing. I would like to synchrony to fix this issue and compensate me for decreasing my credit score.
Product: Credit card or prepaid card

Credit card name : The XXXX XXXX XXXX XXXX : Barclays Card type : Mastercard Advertised benefit 1 : 6X points per {$1.00} spent on XXXX  purchases Advertised benefit 2 : Receive a 50 % savings on eligible inflight purchases Card advertisement link : XXXX XXXX XXXX Unreceived benefits : On multiple occasions, inflight food/beverage purchases on XXXX  flights ( i.e. " eligible inflight purchases '' ) have been coded as " XXXX XXXX XXXX XXXX '' instead of " XXXX XXXX XXXX XXXX '' ). These " XXXX XXXX XXXX XXXX '' purchases receive only 1x points, which contradicts advertised benefit 1, and *do not* receive 50 % savings, which contradicts advertised benefit 2.

1st complaint to Barclay customer service XX/XX/XXXX ( picture attached ) summary : I complained about above issue. Barclay response : the 50 % discount can take 4-6 weeks to post.

2nd complaint to Barclay customer service XX/XX/XXXX ( picture attached ) summary : I say it has been >4-6 weeks now, and still no 50 % discount or 6x points. Barclay response : they will add the 50 % discount, but can not give me the 6x points.

3rd complaint to Barclay customer service XX/XX/XXXX ( picture attached ) summary : I complain about the above response from Barclays, saying they owe me the points as well, and I'm unhappy about the difficulty of this process. Barclay response : they will add the points.

4th complaint to Barclay customer service XX/XX/XXXX ( picture attached ) summary : the above issue has happened again, and I submit another complaint. Barclay response : TBD In summary, I am very unhappy with how Barclays has 1 ) failed to remedy this issue after I initially brought it up, and 2 ) initially did not offer to even provide the advertised benefits when I brought the issue to their attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to formally dispute several violations of consumer protection laws, as well as to share a deeply personal story that underscores the emotional and practical impact these violations have had on my life. I trust that the Consumer Financial Protection Bureau ( CFPB ) will take this matter seriously and enforce the necessary legal actions to rectify these issues. 

As a diligent and responsible consumer, I have taken great care to maintain accurate and truthful financial records. However, I have encountered numerous discrepancies on my credit report that are not only in violation of federal laws but have also adversely affected my financial stability and overall well-being. 

Violations : Inaccurate Personal Information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX Inquiries : Creditor : XXXX  Date of Inquiry : XX/XX/XXXX Creditor : XXXX Date of Inquiry : XX/XX/XXXX Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Questionable Account Information : Creditor : XXXX Account Number : XXXX Creditor : XXXX Account Number : XXXX Creditor : XXXX XXXX Account Number : XXXX Creditor : XXXXXXXX XXXX Account Number : XXXX Creditor : XXXX Account Number : XXXX Personal Story : The inaccurate information on my credit report has caused me profound distress and financial hardships. This situation has affected my ability to secure favorable interest rates on loans, obtain housing, and even pursue job opportunities. One particularly distressing incident involved my inability to secure a mortgage for a home my family had been dreaming of. Due to the erroneous data on my credit report, we lost out on a chance to provide stability and security for our children. This emotional turmoil has taken a toll on my mental well-being and has strained my relationships as well. 

Request : I urge the CFPB to enforce the relevant consumer protection laws and ensure that my rights are upheld. In light of the violations mentioned above, I request that the creditors immediately remove the unverified accounts from my credit report and provide written confirmation of their compliance within 30 days of receiving this letter. Additionally, I request a free copy of my updated credit report once the corrections are made. 

I appreciate your attention to this matter and your commitment to safeguarding consumer rights. Please feel free to contact me at [ Your Email Address ] or [ Your Phone Number ] if you require any further information or documentation to proceed with this dispute. 

Thank you for your prompt assistance in resolving this distressing situation. 

Sincerely, XXXX XXXX
Product: Debt collection

THE DEBT VALIDATION LETTER THAT WAS RECEIVED DID NOT HAVE THE FALSE INFORMATION ON IT AND WAS VERY UNFAMILIAR TO ME. THE ONLY FORM OF MASTER PROMISSORY NOTE WAS SIGNED AND COMPLETED BEFORE MOVING ON CAMPUS IN XX/XX/XXXX. EVERYTHING WAS ALL PAID UP AND TAKEN CARE OF DURING MY TIME AT XXXX. I RECEIVED MY XXXX DIPLOMA IN XX/XX/XXXX BY MAIL WITH NOT ISSUE. MY SUPPORTED DOCUMENT WAS PROVIDED MY FAFSA.
Product: Mortgage

We applied for mortgage to pay off a construction loan with a local Bank. The mortgage company sent us the closing disclosures showing we were approved for {$130000.00}. This was on XX/XX/2022. The closing date was set for XX/XX/2022. On XX/XX/2022 they were still approved for {$130000.00}. When they got to closing they were only given {$100000.00} which was the payoff on the construction loan. But when we found out we called the mortgage originator that we were approved for the {$130000.00} and that part of that was to pay our closing cost. We asked why the change from XX/XX/XXXX to XX/XX/XXXX. We were told a new underwriter decided this. We requested that we speak with the underwriter but were told they were not available. We told them we had no funds for the closing cost so then the agreed to increase the loan to {$110000.00} to cover those cost but not the {$130000.00} we were told we were approved for. We asked how this could be fixed and they told us that we would have to start all over again and wait another 6 months before we could close again. Since the interest rates were rising we chose to close although it was not for the amount we requested and were told we were approved for. We are asking assistance for this if possible. We feel that we were not treated correctly. Please advise.
Product: Credit reporting or other personal consumer reports

I looked at my report back on insert date, 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. 

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. 
And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 update to paid as agreed on 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. 

XXXX XXXX XXXX The furnisher name has violated my consumer rights according to WHAT THE LAW CLEARLY STATES : 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. 
( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 

( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

Update this account to paid as agreed.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2018 I received a phone call from East Point Recovery Group from a man named XXXX XXXX who wanted to speak to me about a loan that I took out from XXXX that got sent to their company to collect the debt. Speaking to him he openly admitted to me that he spoke to my 'estranged father ' who I haven't spoken with in years and who is no longer apart of my life about the debt that I owe, how much it is for, and the deal they are willing to offer me. My father is not on any documentation that would authorize them to call him or disclose my personal information to him and this man told me he was on the loan and was very easy to contact him and he did not go digging for him information to contact him ( not true ). I have never received a phone call from them before I spoke to XXXX XXXX on this day. While speaking with this man we had made a deal that I would speak with him in 2 weeks on what I will choose to do as I need to find a way to come up with the money. During this conversation and in later conversations they had told me multiple times there will a good possibility I will be litigated against if I do not settle this debt soon. Days later I spoke with the manager of this company named named XXXX XXXX. They had called me multiple times days later after I had agreed to speak with them again in 2 weeks. These dates they called me were on XX/XX/XXXX and XX/XX/XXXX. When I finally called them back XXXX XXXX was more aggressive with the matter saying they need to figure this out in the next couple days, threatened the possibility of me being sued, etc.. I had asked her for an invoice on how they are coming up with the amount I owe ( {$3300.00} ) and she said she cant legally give me that. I asked her to send me something in the mail showing me they are allowed to collect this debt and she said they can't mail me anything again because they already tried but I never received anything in the mail and are legally allowed to mail me again. I asked for original documentation of me signing for this loan ( just trying to find anything to show me some proof they are allowed to collect the debt ) and she said they don't have it. I was then emailed that day documentation of me signing for these paper with the papers being a XXXX and with my E-signature on it but I never authorized anybody to do so, this loan was approved in person with my own personal signature. Also on these documents she sent me there is other false information on there saying I signed for this loan at a certain time which is false, an email from XXXX that is false, and a credit score of mine when the loan was approved which is also false.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was compromised via XXXX XXXX XXXX in XX/XX/2021 I noticed my XXXX account was tampered and I attempted to have the fraudulent transactions stopped which continues and reflecting on XXXX, XXXX, experian as closed derogatory with XXXX. The inactive XXXX account was used to fund all the fraudulent charges processed through XXXX  which placed the bank in negative balance and in XXXX XXXX  The XXXX consumer reporting agencies did not notify me this account reporting and failed to establish validity. all fraudulent transactions linked to the XXXX amounting to over XXXX now showing on all my consumer reporting agencies profile. I saw fraudulent name and addresses listed also on my profile. 
This has damaged my credit and causing emotional stress, financial strain and prevents me from refinancing my home. I was never notified of the fraudulent transactions by XXXX and XXXX. I attached my identification of evidence of assurance and ssn card for the case
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. 

Account name : # XXXX XXXX XXXX, Account name : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs 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 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 or other personal consumer reports

On or about XX/XX/year>, my personally identifiable information, including details related to my student records, was accessed & disclosed without my authorization. Specifically, personal data from my education records, including but not limited to, my full name, student ID, academic history, & potentially other confidential information, were involved. The information disclosed was recorded in my education records as it relates to my academic history, student identification, & other personal details protected under XXXX. The disclosure was made to individuals or entities associated with XXXX XXXX XXXX XXXX. The entities involved had no authorization to access or share my personal educational data. The disclosure occurred without my consent & was related to external access to my personal information, likely involving unauthorized access by entities outside of the educational institution. At no point did I provide authorization for such access or disclosure. I became aware of the unauthorized disclosure on or about XX/XX/year>. As of now, I have not had any direct communication with the disclosing individual or entity regarding this matter. As a result of this unauthorized access & disclosure of my personal data, I am requesting the dissolution of my student loans, as this breach has affected my ability to manage my financial responsibilities & compromised my privacy rights under XXXX.
Product: Credit reporting or other personal consumer reports

THISS INQUIRIES ISNT MINE. 

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  - Incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

Security breach that was not made public until a month after it happened. According to their website, my personal information was accessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear, XXXX XXXX XXXX I received a copy of my credit report and I have found the following items listed below to be in error. Account-XXXX Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave either Experian OR XXXX XXXX XXXX  any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b XXXX XXXX XXXX XXXX have XXXX XXXX XXXX and anxiety due to the abusive and unfair practices. Both ExperianXXXX XXXX XXXX XXXX should be ashamed of themselves for ASSUMING this role and position to constantly commit fraud and cause harm to consumers!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following student loans were reported on my credit report.. Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with the credit bureaus for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home. 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

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX