23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I went to the bank XX/XX/2023 and was informed by bank personnel that I could not get a bank account because I was declined due to west creek financial dba has some thing on the XXXX  saying abuse of credit and Ive never even heard of this credit union before and never had a bank account or anything with them before and looking at my credit its there but says closed and they have it on there saying I owe them XXXX dollars original balance of XXXX Ive never had them in my life and I didnt even live in Oklahoma when this account was opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention a matter of great concern regarding the recent handling of my credit report as per the Fair Credit Reporting Act ( FCRA ), specifically in relation to the list of accounts outlined below. These actions appear to be in violation of my federally protected consumer rights to privacy and confidentiality as stipulated by 15 USC 1681. 

The accounts in question are as follows : Account Name : XXXX XXXX XXXX  Account Number : # XXXX Account Name : XXXX Account Number : # XXXX Account Name : XXXX XXXX XXXX Account Number : # XXXX Account Name : XXXX Account Number : # XXXX I initiated a request for reinvestigation of these accounts with XXXX, XXXX, and Equifax , in accordance with the FCRA. However, to my surprise, their response indicated that everything was deemed complete and accurate. This assertion baffles me, as several critical pieces of information, such as the open date, date of last activity, and other essential details, are clearly incorrect. According to 15 USC 1681 ( 5 ), it is incumbent upon them to rectify inaccuracies and discrepancies in accounts. 

My right to privacy, as provided by 15 U.S.C 1681 section 602 A, is paramount in this situation. Moreover, 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish any account information without my explicit written instructions. This principle holds significant weight in safeguarding my personal financial data. 

I must also highlight the provision within 15 U.S.C 1681c. ( a ) ( 5 ), which explicitly prohibits the inclusion of certain items of information in consumer reports, particularly adverse items that predate the report by more than seven years. This section is a crucial component of maintaining the accuracy and fairness of credit reporting. 

Furthermore, the obligation outlined in 15 U.S.C. 1681s-2 ( A ) ( 1 ) stipulates that no entity should provide information to a consumer reporting agency if they are aware or have reasonable cause to believe that the information is inaccurate. These provisions are designed to ensure the integrity of credit reporting, and their adherence is essential. 

It has come to my attention that the entities involved are not even in compliance with Metro 2 credit reporting standards, and I possess substantial evidence to substantiate my claims. Therefore, I kindly request a thorough review of this matter in line with the FCRA, and I anticipate a prompt resolution to rectify these violations. 

Please acknowledge the receipt of this formal complaint at your earliest convenience, and provide a clear timeline for the investigation and resolution of this matter. I appreciate your attention to this serious issue and trust that a fair and just outcome will be reached.
Product: Student loan

According to paperwork provided by the student loan servicer, I only owed {$100000.00} as of XX/XX/2022. Despite being in the pandemic interest forbearance, the loan servicer now reports that I owe {$110000.00}, I noticed this when I checked my credit report. 

Each of my loans had a discrete amount added to it to total {$3500.00} since XX/XX/2022. This is impossible because all of my loans are subject to the interest forbearance. 

The {$100000.00} amount as of XX/XX/2022 was provided to me via paperwork obtained after a 6 month fight with the loan servicer for complete documentation of the loans. The aidvantage website says I owe {$110000.00} which is incorrect. 

I noticed this discrepancy on my credit report ( obtained via experian ) which reported {$110000.00}. The credit report is incorrect as well, and these are the only student loans associated with my account. 

This is fraud, and I have reached out to the student loan servicer and the US dept of education through FAFSA complaint. I had to call FAFSA because their online complaint system reported an error and would not process the complaint. 

I can't reach anyone on the phone at Aidvantage and their phone system will not report the balance to me through its automated system. I attempted to call numerous times on Friday, XXXX, however, they keep pushing me to their voicemail and I have not received a call back from them. 

I did receive an email that they are looking into this, but considering this is FRAUD, I wanted to report it to the CFPB due to the difficulty I had obtaining the documents originally, and how it is impossible for these loan balances to increase due to the interest forbearance. This is literal fraud, and punitive damages should be considered by the CFPB for predatory practices and Aidvantage should be investigated for any other students they have done this to. 

You can see a full description/explanation in a XXXX video posted here XXXX XXXX XXXX XXXX which I intend to continue advertising and circulating until this FRAUD gets the attention it deserves.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the elimination of any erroneous entries from my credit report. Can you verify the paperwork? Several of the recorded accounts contain inaccuracies concerning reporting, amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account appearing on my credit report. 

XXXX. XXXX XXXX {$2600.00}
Product: Mortgage

In XX/XX/XXXX, I requested and was approved for a mortgage forbearance under the CARES ACT with my mortgage company, XXXX XXXX XXXX. It was my understanding that my account with XXXX XXXX XXXX  while in the forbearance would remain in good standing and not affect my credit score/report. The forbearance period I was approved for was XX/XX/XXXX through XX/XX/XXXX and requested and approved for the balance of the amount owed during the forbearance period be deferred to the back of my loan. I resumed my regular, consistent monthly mortgage payments in XX/XX/XXXX. 
In XX/XX/XXXX, I inquired about re-financing with a local mortgage broker and was told that my XXXX XXXX XXXX  account was appearing on my credit report as delinquent and showed an inconsistent payment history, mainly during the approved forbearance period and subsequently thereafter. It is apparent that XXXX XXXX XXXX  have been incorrectly applying my monthly payments and had failed to recognize the period of forbearance. Upon learning this I contacted XXXX XXXX XXXX  on XX/XX/XXXX and opened a credit dispute. I have been in contact with XXXX XXXX XXXX  on many occasions since then and have been continually told that my credit dispute is being " worked on ''. On XX/XX/XXXX I opened a credit dispute with XXXX. The results of XXXX 's 'investigation ' deemed a correct reporting, which is totally false. I am currently awaiting the results of open credit disputes with XXXX and XXXX. 

In summary, it is my understanding that under the CARES ACT any amounts owed during a mortgage forbearance period should NOT negatively affect my credit score/report. XXXX XXXX XXXX  has acknowledged this to be true yet I am still waiting for my credit report to be rectified and reflect an account in good standing, with regular on-time monthly payments. Because of this I was unable to pursue other beneficial financial opportunities and feel this is extremely unfair and careless on XXXX XXXX XXXX XXXX part. 

I am humbly requesting some assistance with my situation. I also believe there are many others experiencing this same problem ( s ).
Product: Checking or savings account

Opened a Citi checking account and funded with {$5000.00} XXXX XX/XX/2020 ). I originally opened this checking account in order to receive a promotion of {$200.00} that required having it funded with XXXX for over 3 months. Opened an attached Citi savings account funded with ~ {$2000.00} XXXX XX/XX/2020 ). Made a single external transfer of XXXX {$800.00} from savings account in order to pay my rent XXXX XXXX XX/XX/2020 ). About a week later I could no longer make transfers XXXX which I need to do to pay my rent ). I called and was told that their fraud team would look over the account as there was suspicious activity. I verified my identity and told them it was an authorized transaction. They held the account in limbo anyway. I called a few days later as the account was still locked. I was told they would be closing the account. Confused, I asked why. They could not give me an answer. The representative told me that they would require XXXX3 MONTHS to distribute my funds back to me as a check. 3 MONTHS. At this stage I have waited the time and now the accounts are empty. I have yet to receive a check.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These XXXX accounts do not belong to me please remove them from my credit report. And also please send me out a update credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX  data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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.

According to 15 USC 1681s-2 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 ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

Receivedy unsolicited text message from debt collector. Opted out and received a second unsolicited text from same collector.
Product: Debt collection

On credit report Acct XXXX Dept amount {$10000.00} or {$8700.00} address XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Phone # XXXX Unsure what this company is and why this is on my credit report
Product: Credit card or prepaid card

On XX/XX/2023, my Bank of America Visa Credit Card ( ending in XXXX ) was used to make the following fraudulent charges : 1. XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, GA XXXX - amount of {$12000.00} 2. XXXX : XXXX XXXX XXXX XXXX, XXXX, GA XXXX - amount of {$110.00} 3. XXXX : XXXX XXXX XXXX XXXX, XXXX, GA XXXX - amount of {$210.00} 4. XXXX : XXXX GA XXXX, XXXX, GA XXXX - amount of {$48.00} 5. XXXX XXXX XXXX XXXX XXXX, XXXX, GA - amount of {$43.00} These charges were reported as fraud to Bank of America on the same day, XX/XX/2023 ( Claim # : XXXX ). The two credit cards associated with this account were always in possession of the owners and were not used to make these transactions. 

In addition to being reported to Bank of America, a police report was filed with the XXXX Police Department ( Case # : XXXX ) and an Identity Theft Report was made with the Federal Trade Commission ( Report # : XXXX ). 

Bank of America has denied this claim twice. They conclude that the card and chip used for these transactions had to be the actual card. A finding that is impossible and one that I would deny and contradict under oath if needed. Additionally, they refuse to provide me with signatures used for these transactions and refuse to answer why a single transaction that in by itself is over the credit limit on this account of {$10000.00} was allowed to be made without any verification. 

Bank of America 's security features have failed to protect a loyal client of over 21 years and they are failing to take responsibility for their shortfall. I am requesting these fraudulent charges be removed from my account immediately.
Product: Credit reporting or other personal consumer reports

I filed a FTC complaint on identifytheft.gov. My reference number is : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, This is in response to complaint # XXXX. In it, I received the following response to my justified request to update and delete ( i.e. update my credit reporting history by deleting the two late payments on the car loan account ) : Transunion updated your account, but the two late payments are still there on the account history.

I am sure whoever was updating began by changing the status to " paid as agreed '', but forgot to finish by actually updating the justified missed payment by deleting them from the account 's payment history. Please, have them standby their agreed upon resolution. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, 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: Vehicle loan or lease

I got sick with XXXX XXXX while XXXX i lost my XXXX after recovering from XXXX I was diagnosed with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXl my which caused me to fall back on payments my car was taken without my permission in wrecked, and totaled I am now stuck with the debt on my credit profile with all going on I also lost my apartment that me and my kids were living in I'm a single mother of XXXX in we are still homeless Im trying to get back on my feet in this car loan is making it hard for me to be able to start over with a new place in car.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit shows a car loan that is in repossession status. I previously spoke to XXXX explaining that the car wasnt mines and I was a victim of identity theft. I received a letter in the mail once the car was successfully recovered and the car was sold & the remaining balance was satisfied, As of XX/XX/2022. Ive be disputing this multiple times through crXXXX XXXX XXXXnd XXXX not sure if thats the issue or what. Im unable to actually do anything for myself because somebody took advantage of my credit before I ever had a chance to and I still have no idea how! Experian shows my SSN is on the dark web so Im not sure if thats how or what but this is completely ridiculous! I just want to be able to actually obtain something with my credit for myself and take advantage of credit so it can be used in the proper manner! I have a repossession and so many late payments its a crying shame for things Ive never had or seen a day in my life!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX 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

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$400.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1200.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$720.00} XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$890.00}
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Dispute of Collection Practices Zwicker &

Associates P.C. Dear Sir/Madam, I am writing to formally dispute the collection practices of Zwicker & Associates P.C . regarding an account with XXXXXXXX XXXX. I believe that Zwicker & Associates P.C. has violated the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), which mandates that a debt collector must cease communication with a consumer once requested in writing.

Details of the Dispute : Collection Company : Zwicker & Associates P.C. 
Address : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Account in Dispute : XXXXXXXX XXXX, Account Number XXXX Nature of the Violation : Despite calling twice, XXXX XXXX XXXX from Zwicker & Associates P.C . to cease all communication regarding this debt. This action is a direct violation of 15 U.S.C. 1692c ( c ), which requires that debt collectors stop all communication with the consumer once such a request is made.

I request that the CFPB investigate this matter and take appropriate action to ensure compliance with the FDCPA. Specifically, I seek the following : Verification that Zwicker &
Associates P.C. received and acknowledged my written request to cease communication.

Assurance that Zwicker & Associates P.C. will immediately stop all communication with me concerning this account. 
Any necessary enforcement actions to address and prevent further violations by Zwicker & Associates P.C.

I appreciate your prompt attention to this issue and look forward to a resolution. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I opened a Venmo account. I did not even use it once. I provided all my information to confirm my identity. The first time I tried to use it, for a legitimate payment, I was told that the account was XXXX. I requested information many times, but was never given any. I never violated the user agreement, although I was told I was. There is no way to appeal.