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 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 has violated my rights. I looked up my XXXX credit report on XXXX XXXX, 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 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 delete that item of information from the file of the consumer, or modify 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 supposed to not furnish any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the accounts is inaccurate.
Product: Money transfer, virtual currency, or money service

Monies where taken out my account without authorization, spoke to Customer service rep and there was nothing they could do they stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent account which does not belong to me STILL reposting on my file in Experian. The other bureaus have already DELETED this fraudulent information so my question is why do you still report this damaging record? I have already disputed this account several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still, you chose to continue reporting this account. Additionally, I contacted the bank and they told me they would delete the account from my file. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now, I want you to REMOVE this account from my file like the other bureaus have done. 

XXXX XXXX XXXX XXXX ....
Product: Vehicle loan or lease

I've been with Navy Federal for about 8 months I think. I have paid My car loan on time every time every month without any issues. When I got this contract they sent me some envelopes to send the title back in if the previous company sent it to me. I returned the title as advised to navy federal, they confirmed they received it. I than few weeks later received a notice of Power of attorney. I called in as I am going to the mail box spoke with the navy federal auto department and specifically asked her if I needed to get a Notarized for this. She flat out told me no. Please review the call. I said are you sure? Me working in an XXXX office it just didn't seem correct so I asked her several times after this. She said no the power of attorney form does not need to be notarized. I told her okay I am putting in the mail. She stated she would note the account. Know XX/XX/XXXX I go online to pay my bill and its XXXX I got no call from navy federal- no email- no voicemail- no communication what so ever. I only log in to my account to pay my cc or my loan. I look up at the messages and they sent me a message after it was already raised from XXXX to XXXX when there employee instructed me the wrong information. I called them cause all of a sudden know they have sent me a text message at the time of a 2 day past account. Communication of a 2 day past account. I called the lady advised it was not notarized etc. Now this is not fair I have done my part my contract stated XXXX she advised she will send the form back out- so that it can be re-done. I need someone to pull the call when I called in and inquired about this- how is this my fault when I specifically asked this exact issue. I've had no problems with this credit union-I would love for it to continue this way.. Please fix this.
Product: Debt collection

The debt has been paid to another agency who assumed the debt. Nation wide credit agency should be removed from my credit report
Product: Money transfer, virtual currency, or money service

I have lost my XXXX XXXX to log into Binance.US. I have submitted ticket # XXXX but am not getting any response. They are holding my money hostage. I have submitted all the verification possible but nothing.
Product: Debt collection

I tried disputing this account and it was not approved and I reached out to the school because my refund from school balance was placed as a collection on my credit report and they refused to. Remove it
Product: Student loan

Navient is attempting to charge monthly payments on my account even though I am enrolled in school full time. The company claims I have not been verified by my school or the NSLDS. I have checked both sites and I have been given proof of enrollment by them as provided below.
Product: Credit card or prepaid card

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The Credit Bureaus are reporting inaccurate information on ELAN FINANCIAL SERVICE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX since XXXX of XXXX and XXXX XXXX XXXXXXXX of XXXX, upon checking my credit report, i have realized that someone has been using my identity using my personal information to obtain goods and services using my personal information
Product: Credit reporting or other personal consumer reports

FCRA 605B seems to indicate the need to remove any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
Product: Bank account or service

I have pending items on my account, and a {$10.00} check came through and was processed. Even though there are pending items that have n't posted to my account ( meaning that until those actually hit, my account is still not technically overdrawn ) PNC decided that it would still charge an overdraft on the check, charging my account {$36.00} additionally dollars.
Product: Checking or savings account

I had CD with Marcus that expired on XX/XX/2024 with instructions to send the funds to an external account. Five days after that date, there was not transfer to my external account so I called it to find out what happened. 
I was told there was a hold on my account because I added a new bank account to my online profile. Now keep in mind, that this account was linked on XX/XX/2024 and for 22 days no one called or emailed me telling me a hold was on my account. So this hold was cleared up on the XXXX when I called it. I verified my external account and was told that I would get my $ XXXX transferred to my external account I just need to wait 3 business days. 
End of the day on the XXXX, I see no transfer so I plan to call on the XXXX and complain. 

Now today ( XX/XX/2024 ), I was told that there was a hold on my account. This time, they don't know why there was. Furthermore, like before, no one called to inform me of this hold. ( Keep in mind, I complained about no one telling me there was a hold on my account on the XXXX also ). I was told today now that everything is fine and my money will be transferred but I heard this before. 
So I want the CFPB to step in and fix this problem and potentially have Marcus by Goldman Sachs fined!
Product: Mortgage

I switched insurance providers. The mortgagee clause was provided and I made the assumption that the Lender, Huntington Bank, was notified. 

I did get a letter to provide proof of insurance, which I did. I provided the Declarations Page prior to a deadline they gave me. However, someone in the Insurance Dept. decided not to accept the documentation- even though it had the property address of the house on the Form.

The tax bill has the name of the LLC that holds the property and the insurance was in the name of the LLC.

I wasn't told of the rejection until I discovered that force-placed insurance, the increased payment AND the notice from my credit monitoring company that they increased the loan amount by the cost of the insurance policy.

Insurance and taxes are NOT to be added to a principal balance! -
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was XXXX  and unable to check and monitor my credit I was a victim of identity theft and then the pandemic was in main swing and I'm just getting all the information I need too file my complaint and request these accounts be removed from my credit reports please and thank you. XXXX I have enclosed in the attached documents the list of all accounts not mine good bad or in between
Product: Credit reporting or other personal consumer reports

ACCOUNT # XXXX Whats up Just wan na let you know XXXX XXXX that debt you mentioned under the Fair Debt Collection Practices Act XXXX XXXX for more proof or docs just lettin you know I dont agree. If you need to reach me best way is by text on my cell or email on my cell or computer Monday to Friday between XXXX and XXXX XXXX XXXX XXXX Any other times or methods like live calls or voicemails aint good for me.ACCOUNT # XXXX plus other accounts you saying I'm oweing.
Product: Credit card

I have a Sears Mastercard issued by Citibank, which I have held since 2010. I have paperless online statements and email notification, and I make payments online. I have not had access to my online account or statements for XXXX billing cycles, and can not make payments online. though I receive email notification that a statement is available. I have talked with IR and customer service as recently as today, but they offer no solution nor a timeline for fixing the problem, which they explained as the result of a software upgrade. They offered to send me a paper statement that would arrive 3 days before my payment is do, and when I noted this was a violation of the law, they insisted that there is no legal requirement to send a statement to a card holder. Without online access, I have no access to my cardholder agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to repair my credit karma and they told me thru there app that I had an EXCELLENT CHANCE OF getting secured credit card from XXXX XXXXXXXX to help and assist with building my credit which I was turned down for and it hurt my credit and put me in a worst place it was FALSE ADVERTISING
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am disputing a recent hard inquiry on my credit report from XXXX XXXX XXXX. I explicitly authorized only a soft pull and clearly stated that I did not want my credit pulled. I also only provided the last four digits of my Social Security number, and I was assured this would not impact my credit. Please remove this unauthorized inquiry from my report immediately. 

Thank you, XXXX XXXX
Product: Student loan

I received my bill as usual. Paid it, 2 days later ( after checking that they cashed my check ) I received another bill! Now they are saying I'm past due. 
I called them, they hung up on me without answering any of my questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous request of debt verification for " XXXX XXXX XXXX XXXX '' collection account from Transunion credit bureau. Transunion continues to mail me letters stating, " debt has been verified '' but they refuse to provide me with proof of debt validation as required by law.
Product: Credit reporting or other personal consumer reports

The three main credit bureau are reporting inaccurate information on my credit report.

Please see attached files below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed dispute with Experian on XXXX, XXXX & XXXX. The nature of my dispute was requesting contract with my authentic signature that started alleged debts. 
As of today, have not heard back from Experian.
Product: Student loan

Nelnet can not provide my past payment history from Great Lakes. They will not reply back to emails, they purposefully drop my phone calls, they do not know what the issue is or how to fix, I constantly get transferred to another agent who does not know. I was told I had to sign up for paperless in order to receive my past payment history with Great Lakes, which I did not want to do. When I did they said the payment history would be in my inbox, but it is not. They have not returned any communication at this point, do not know how to fix, etc. 

I am unable to proceed with PSLF which is my right as I can not find the payment history. I was making payments up until COVID and I am qualified, but I am unable to get the PSLF after working in the public sector since graduating college ( and still do to this day ). All while they are charging me interest, demanding payments when I do not even know how far along I am as I do not have access to my history ( great lakes site loops to Nelnet ). 

Unable to communicate with them in any degree or fashion. Do not have access to past payment history after the transfer. Site is telling me no history available, agents unable to find it. I am now unable to proceed with PSLF while I am still being charged, billed, interest, etc. yet can not get a simple report showing past payment history with Great Lakes. 

This is predatory, this is not what the Dept of Edu was promising when payments restarted, this is a mess and I am no closer to resolution, but you bet requests for payment and interest and harassing phone calls are still going like clock work!
Product: Checking or savings account

I opened a checking and savings account on-line with Sun Trust on XX/XX/2019 with account # s XXXX and XXXX. A bank to bank transfer was completed to fund the accounts. 
On XXXX XXXX, 2019, the bank unilaterally closed both the accounts without telling me exact reason for closing these accounts. I attempted to have this information furnished to me by contacting the bank 's executives XXXX XXXX XXXX XXXX requesting that such adverse information be furnished to me under FCRA, Despite several attempts, the bank is turning a blind eye to my requests, and not furnishing the adverse information that caused them to close the accounts. 
I request you intervention to resolve this issue with Sun Trust, and have the bank furnish the requested information. 
So far all I have received are form letters from the bank telling me that the accounts were closed, but not disclosing the reason for such an action. 
Please note that the bank returned my funds after holding them for a week without giving me any interest for use of my funds that they held for a week.
Product: Student loan

I received a email today from the US Department of education in reference to a complaint I previously made to Edfinancial services. Ive informed this fraudulent credit agency of this school going out of business and the difficulties I experienced while trying to attend this school. I was continuously ignored and interest was applied to my loans, as well as defamation of my character by reporting this false information to my credit report. In turn this false reporting has cause me severe hardship. I also had wages garnished. Ed financial never followed up with the proper investigation. Also harassing phone calls, letters, falsifying documents, sending correspondence to my family ; after I informed ed financial services of my correct information. At this point they need to be held equally responsible.
Product: Checking or savings account

I went to XXXX XXXX to get cash back, I put the amount I needed then I swiped my card and the register person said they didnt have enough cash to give me. I was still charged and given no receipts, I contacted chime and they told me to let the charge clear then the money should go back on my account. 3 days later the charge posted, I contacted chime again to dispute the charge, they said rest assured that I will get my money back and that they just need to investigate first and that was on XXXX XXXXI went to XXXX XXXX to see if they could just refund me the money but they said Id have better chance disputing it with my bank. So today I get an email from chime stating that my dispute was denied and they couldnt give any reasons aside from the merchant didnt get back to them. I called chime and asked them to reopen the claimI even offered to reach out to XXXX XXXX and put them on a 3 way they refusedI told them Id go back to store and let them speak to a manager so they can see that I never got my fund but they refused. I filed a complaint with the XXXX and chime sent me an email that supposedly contained documents of evidences from their investigation but there was actually no attachment to the email
Product: Debt collection

This debt has just a few days ago on my XXXX  credit report after it had been deleted after I disputed the debt via a FDCPA letter. This debt is not mine and I was not given any notice that this debt would be put on my report. This is copy of the letter and return receipt from XX/XX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these companies to make any inquiry and view my credit report. 

XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX # XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submititng this CFPB Complaint to formally request an investigation and correction of the following accounts that appear to be inaccurate and incomplete on my credit file, as per the provisions of the Fair Credit Reporting Act. I need the following accounts investigated and removed from my Credeit File as soon as possible : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX Bankruptcy Reference # XXXX. I request that you verify the aforementioned accounts. If the information can not be substantiated as 100 % accurate, I respectfully request that you remove them from my credit report immediately. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ocwen loans is reporting on my XXXX report has late and with a last payment date of XXXX XXXX. I have n't had an account with this company in over XXXX years. This debate is well over XXXX XXXX XXXX. The company needs to validate this debt with history of the account and last payment. This should not be reporting on my credit report as this information is not validate!!! I do n't owe ocwen loans any money therefor it should n't be reporting late payment and balance due.