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. 

Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account 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 card

I went online on American Express XXXX XXXX XXXX. I currently had a bronze card and wanted to upgrade to platinum. It said XXXX miles would be applied if a certain dollar amount was spent in a specific timeframe which I did. The miles were never applied to my delta skymiles account so I called. They said they had to do an investigation. I called back two weeks later for an update and they said you didn't get the miles because you did an upgrade and didn't get a net new card. The website is very unclear that it is only applies to net new cards. After searching some more and digging in it does look like there are miles for upgrades but they said it didn't apply to me. Overall the advertising is very unclear and misleading. I would not have upgraded my card if I knew this promotion was not available. I upgraded my card I believe XX/XX/XXXX and I just received the update that no additional miles would be applied XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called on XX/XX/XXXX and requested help on filing a complaint because about the late payments from XXXX to XX/XX/XXXX that was being reported needed help on a hardship forgiveness because during Covid I had lost my job and wasnt able to pay my debt but am caught up now. They said they would open an investigation to it to no avail. I really need help with getting these over 30 days late reports removed as it really wasnt my fault can someone help me
Product: Credit reporting, credit repair services, or other personal consumer reports

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 states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

XXXX XXXX XXXX Lvnv Funding llc
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a full dispute of accounts that were erroneously place on my credit report according to 605b of the FCRA with XXXX, Experian and XXXX, yet to no avail, as they have not removed or " blocked the items '' in the determined amount of time from the congressional act.
Product: Credit reporting or other personal consumer reports

All Three XXXX Transunion XXXX reporting incorrect All inquiry And my Account Never was Late
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. 1 Please remove the following inaccurate address from my credit report : XXXX IL, XXXX XXXX XXXX XXXX # XXXX You did not con LVNV FUNDING LLC # XXXX According to the FCRA, accounts that have been disputed by the consumer must be notated as such. Your failure to investigate this account, and notate it as such, is a violation of the Fair Credit Reporting Act. Please remove immediately
Product: Credit reporting or other personal consumer reports

I've attached the required documentation to validate my XXXX. I appreciate your swift action to address and correct this issue by ensuring the removal of the account from my credit report. Your prompt attention to this concern is greatly valued.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inclusion of Delinquent Child Support Payments, on my credit report. According to the recent notice from your agency, federal court rulings have determined that Delinquent Child Support Payments do not arise from credit Transactions and should not be reported on credit reports. 

I request that you promptly review my credit report and remove the Child Support Account. I have enclosed supporting documents supporting the inaccuracy of these entries. 

Please comply with the new interpretation of the law and ensure the timely correction of this error. Kindly provide written conformation of the removal of the Child Support Account from my credit report. 

Thank you for your immediate attention to this matter. I expect a swift resolution Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This company, XXXX XXXX XXXX has been on all three of my credit reports. I have disputed this company numerous times, yet, all three credit bureaus keep indicating its coming back verified. What doesnt make sense is, how can it be verified if the company itself is saying I dont have an account with them. I need this resolved. It has been impacting my credit report negatively and I have tried to reach a resolution many times over without success.
Product: Checking or savings account

I have opened a claim with Bank of America my phone was compromised and my XXXX XXXX was hacked and there was a transfer done for XXXX they denied my claim because I couldnt provide them proof that my phone was hacked. I am getting evicted from my apartment because of this and this sorry excuse for a bank does not care one bit bout my funds being stolen from me. I have had the claim re opened for reconsideration and that will take up to XX/XX/XXXX which does not help me now because my eviction is already in process. Please help me get my money back
Product: Credit reporting or other personal consumer reports

I am filing this complaint because TransUnion has denied me access to my credit report, effectively preventing me from viewing or monitoring my credit information. Despite multiple attempts to access my report, I was completely blocked and unable to obtain any information about my credit accounts. 

Additionally, I requested copies of past credit dispute records and the results of those disputes. I was informed by TransUnion that they do not maintain records of past disputes or their outcomes. This lack of record-keeping is concerning and seems to violate federal regulations, as consumers are entitled to accurate and transparent information regarding their credit history and dispute resolutions. 

These issues occurred most recently on XX/XX/year> when I contacted TransUnion directly to resolve the matter. Their refusal to provide access to my report and records is negatively affecting my ability to manage my financial health. I request immediate assistance in gaining access to my credit report and a full investigation into TransUnion 's record-keeping practices.
Product: Credit card

I contacted Capital One regarding my Savor One account ( ending in XXXX  ) with a balance of {$4000.00}. Due to my XXXXXXXX XXXX and my work in a XXXX XXXX, my income fluctuates, which presents unique financial challenges. I requested accommodation under the XXXX, specifically asking for either a balance reduction or other forms of relief to make repayment more manageable. I explained that a recent period of unemployment further exacerbated my financial situation, and although I have secured full-time employment with my first paycheck expected on XX/XX/2024, the rigidity in Capital Ones repayment structure has been difficult to manage given my XXXX. 

In my original message, I requested that all future communication regarding this matter be conducted via email, as frequent phone calls have led to significant emotional distress, XXXX XXXX XXXX, increasing my XXXX and making it harder to manage my XXXXXXXX XXXX. Despite this request, Capital One has continued to contact me by phone, disregarding my XXXX accommodation needs. This lack of acknowledgment of my request for accommodations and the continuous phone calls undermine both my stability and Capital Ones commitment to accessibility. 

In summary, I believe Capital One has not adequately supported customers with XXXX or non-traditional income sources. I am requesting CFPB intervention to ensure that Capital One recognizes my accommodation needs and implements necessary adjustments in line with XXXX principles, especially regarding communication methods and account management for individuals with XXXX. 

Thank you for your assistance in addressing this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that i did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Site : XXXX XXXX Account : Capital One- XX/XX/XXXX There is no balance to view for this. It is marked as a hard inquiry but I have never applied for any type of credit card. I already called Capitol One and spoke with an employee. They didnt have me in their system and recommend that I try to get ahold of somebody at XXXX XXXX. My credit is being affected by this and I dont know what to do. Please help me out!!!!
Product: Credit reporting or other personal consumer reports

I reached out to XXXX, Equifax and XXXX in XXXX of 2023 regarding information reporting on my credit report that I can not identify as being mine. They stated I needed to file an Identity theft report regarding the inaccuracy of my report. On XX/XX/2023 I mailed off Certified documents such as my FTC.Report, drivers License, social security card, proof of residency, a notarized affidavit report and a personal letter supporting the fraudulent Activity. They responded after the 30 days allotted time and said I needed my supporting information for my identity theft. I have filed yet another identity theft report as well as an Equifax Breach Report that supports my information has been compromised and I do not know of the accounts or inquiries reporting. These are the COMPANIES AND ACCOUNT NUMBERS and inquiries as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address and phone number XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX All application as not been turn down do to my address not on my credit file I HAVE BEEN LIVING IN THIS ADRESS SINCE XX/XX/XXXX Have enclosed a copy of two bills Please delte this number on my allert its not my number XXXX Please delete the address bellow they are not my address ADDRESS : XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, FL XXXX - REPORTED XX/XX/XXXX Please correct this phone number on my fraud alert to XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address. 
XXXX XXXX ss # XXXX dob XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

On XX/XX/2019 I called the Kohls company and spoke to XXXX, employee ID XXXX. He advised me that even though I could make the full payment and clear the account, the late fee of {$27.00} would not be waived. This fee is assessed immediately despite good past billing, etc.
Product: Checking or savings account

I have an original copy of a Certificate of Deposit held with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX IN XXXX, for which I discovered they were merged with or acquired by BMO Harris Bank National Association, on XX/XX/XXXX. I contacted BMO bank and spoke with 2 different representatives on XX/XX/XXXX. The first representative had no information regarding these unclaimed funds and suggested I contact State of Indiana. State of Indiana informed me they had no information regarding unclaimed funds, and suggested I find out from BMO Harris more information regarding Report number, Date and name it was filed as, and amount. When I contacted XXXX XXXX on their national toll free line, I was instructed they can not help me. I asked that they route me up the chain to their supervisor or management and agent stated this was not allowed. Agents name was XXXX and his supervisor 's name was XXXX XXXX, though agent would not spell names, nor provide me with and Agent ID number. 
I am left without any record or way of tracking down the funds for my Certificate of Deposit, for which I have the original signed CD paperwork, as well as the last notice I received from XXXX XXXX XXXX in XX/XX/XXXXwith the maturity amount. I am happy to forward copies of paperwork. Can you please help me?
Product: Mortgage

WE HAVE A COMPLAINT AGAINST BB & T BANK FOR WITHHOLDING INFORMATION, NON-COOPERATION AND FAILUE TO PROVIDE ACCURATE INTEREST INFORMATION AS REPORTED ON XXXX
Product: Credit card or prepaid card

Th e MasterCard Gold Card, issued by Barclays, provided SCRA benefits for military service members when I applied for the card just over a year ago. As a   XXXX   member, I received these benefits. One of the benefits offered by Barclays was waiving the {$1000.00} annual fee. This fee  was waived for the first year. When I spoke to a customer representative on the phone, I was assured that these benefits, including the waived fee, would last for the entirety of my  XXXX   XXXX    XXXX   service.     A few weeks ago, I received a letter stating tha t Barclays is rescindin g their assurance to waive the annual fee and that I will be charged this fee by  XXXX   XXXX . I called   Barclays and was told that I could either cancel the card or receive the fee.
I plan on canceling the card in order to not be charged the fee, but would like to extend a chance to Barclays to review this practice of making an initial offer to service members and then removing that offer just a year later. This has affected myself as well as ma  ny men and women that I am proud to serve with.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is reflecting Bankruptcy i have disputed the bankruptcy the came back saying it was verified with lexisNexis i have a copy of my Lexisnexis shows No bankruptcy so i called LexisNexis they informed me they have Two reports verified and unverified my verified shows no bankruptcy and my unverified shows bankruptcy and they supplied the unverified information the the credit reporting companies why are they reporting unverified infomation on me to companies
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS AN ATTACHMENT OF ADDITIONAL EVIDENCE OF THIS COMPANY 'S INJURY TO MY ENTITY BASED UPON THEIR INACCURATE AND INCORRECT REPORTING. 
MY INITIAL COMPLAINT REGARDING THIS ISSUE IS DETAILED IN REPORT NUMBER XXXX OF CFPB FILING PURSUANT TO FCRA.
Product: Mortgage

I have had a mortgage since XXXX. The loan has been handled by multiple servicers due to the discretion of mortgage companies to sell the loan at their discretion. Since the purchase of my home, the loan has been serviced by XXXX XXXXXXXX XXXX XXXX XXXX XXXX AmeriHome Mortgage and most recently XXXX XXXX 

While I was being serviced by AmeriHome, I made mostly online payments. The XX/XX/XXXX online payment seemed to have an error in processing ( payment was made XXXX ) that I was not made aware of until the XXXX billing statement was received. Upon learning that the XXXX payment didn't process, I immediately processed the payment online AND paid the XX/XX/XXXX payment. There was no issue with lack of funds. I submitted an online payment request in XXXX and moved on as I have done for several months. 

I learned in late XXXX that AmeriHome reported to XXXX a late payment on the mortgage ( the only XXXX since XXXX ). Subsequently, that XXXX late payment due to a technical issue with the AmeriHome online payment platform and NOT an inability to pay caused me to experience a XXXX XXXX XXXX in my XXXX XXXX, reducing my score from XXXX down to XXXX. I have contacted AmeriHome via telephone on numerous occasions in XXXX without success. I was notified in late XX/XX/XXXX that my loan was being sold to XXXX XXXX 

I feel like this action of AmerHome to drastically reduce my XXXX XXXX based on XXXX late payment and then sell the loan to another company XXXX day later was predatory and has cause me undue harm in my financial profile. A XXXX point decrease in my XXXX XXXX dropped me from the " very good '' to " fair '' tier with XXXX action. 

This situation does not accurately reflect my payment history, my credit management history and has placed me in a position of being perceived to be a credit risk unnecessarily. 

I am also extremely disappointed with AmeriHome 's unwillingness to even address this issue with me as a customer. I feel as though I experienced undue harm to my financial reputation due to no fault of my own and have had XXXX XXXX of recourse with AmeriHome.
Product: Credit reporting or other personal consumer reports

I am a victim of fraudulent information reporting and I am filing this complaint to TRANSUNION. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Student loan

I XXXX  in XXXX with a XXXX XXXX XXXX and took additional classes in the early XXXX. When I had trouble with an upcoming payment, the servicer, Navient, would automatically enter me into a forbearance for the maximum length and I would take it, rather than going into default. They told me that was the only way, unless I made the payment on time. 

In recent years ( I believe it was XXXX ), I was told by Navient that I could do an income-driven repayment plan only IF I consolidated my loans. I was NEVER told this would restart my payment count!! I've been paying for decades and never would have consolidated had I known it would erase all those years of paying. My balance is now much higher than when I started and I have never been in default. 

Now, it's been over 20 years of paying and the forgiveness offered in XXXX gave me hope. But XXXX just told me only XXXX payments I've made count : ( I'm so devastated. 

How can my servicers repeatedly guide me to options that hurt me and it's ok for them to do that???
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 i sent a letter regarding inaccurate and unknown thing on my credit report to this day over 60 days later i have not received a response yet. I feel like i'm taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts should be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person