23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have always ensured that payments on this account are made promptly, avoiding any instances of overdue payments. I am unsure about the reasons for the reported late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting or other personal consumer reports

XXXX says my credit dropped suddenly over XXXX points but no explanation nor reason anywhere to be found for the month of XX/XX/XXXX when asked they cant figure it out either! My information has been stolen before and it messed up my medical insurance but I fixed that part I guess it messed up more than I thought because nothing else has changed at all Im still XXXX and not able to work! Since XXXX and the school I got hurt at closed down shortly after so I still dont get why those loans are there when the school refused to let me finish against my will because my injuries put me in a XXXX  and they werent XXXX XXXX, nor willing to accommodate or help me finish in anyway! My income ( ssi ), housing ( XXXX housing ) or anything has both changed in years!!! ( Permanently XXXX )! Please help me!! Please and thank you!
Product: Prepaid card

NetSpend uses an offshore customer service, yet their web site says they have customer service techs in the United States. The of shore techs say they can not connect you with a United States tech. On or about XX/XX/year>, I went to a Netspend vendor to withdraw funds to pay my bills. ( rent, phone ect ) I found out I had been locked out of my account. After numerous attempts to correct the problem, the Net Spend customer service required me to send them numerous pages of documentation to prove who I am. yet because the address does not match what they have on file, an address change I have not been able to do because I am locked out of the account. I have sent the following documentation. XXXX XXXX  XXXX ID with current address, expired XXXX  XXXX ID with old address. Copy of Social Security card. ( They say has to have current address attached to SS card. XXXX card. Copy of XXXX document cover sheet for application for food stamps. Date stamped by XXXX XXXX 2024. Benefit Verification Letter from Social Security Administration showing current address, DOB, and XXXX number. dated XXXX XXXX ( today ) I received this message shortly after submitting the SS letter to them stating that the benefit letter from social security ( current address ) does not match the address they have on file. I am about to be XXXX, and they keep changing positions on the documentation needed. I have no other information to send unless they want my birth records.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Date : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Violation of the Fair Credit Reporting Act ( FCRA ) Dear Experian Consumer Services, I am writing to dispute inaccuracies on my credit report that I recently reviewed. 
Specically, I found transactions reported that are excluded under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681a ( 2 ) ( A ) ( i ).

As dened by the FCRA, the term " consumer report '' does not include information solely related to transactions or experiences between the consumer and the party providing the report. Such information is excluded unless it directly impacts the consumers creditworthiness or nancial capacity. 
Furthermore, neither FICO scores nor other risk algorithms used to calculate credit scores are considered part of a " consumer report. '' The FCRA denes a consumer report as any communication about a consumers creditworthiness, credit standing, character, or reputation, which is used to determine eligibility for credit, insurance, employment, or other lawful purposes under 15 USC 1681b.

In light of this, the reporting of transactions or experiences between myself ( the consumer ) and any company ( the furnisher ) is a violation of the FCRA. The inclusion of FICO or XXXX data, which are not part of a consumer report, further substantiates that this reporting is inaccurate and unlawful. 
Additionally, I have identied an erroneous late payment on my credit report for the following account, despite my payments being made on time : XXXX XXXX XXXX XXXX XX/XX/XXXX This late payment charge appears to be a result of either a billing error or a deliberate attempt to impose unjust fees. My payments were made timely and accurately, and this inaccurate reporting has negatively impacted my credit reputation and personal well-being. 
Therefore, I request the immediate removal of the following late payment entry from my credit report : XXXX XXXX XXXX XXXX XX/XX/XXXX As per 15 USC 1666b ( a ), a creditor can not treat a payment on an open-end consumer credit plan as late when the payment is made on time. These erroneous late entries violate this provision. 
I respectfully request that you correct these inaccuracies by removing the fraudulent late payments from my report. Should you fail to do so, I will be forced to take further action to protect my rights under the FCRA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Pursuant to 18 USC I owe no debt. This company is violating my right to privacy according to 15 USC 1681 b 2. This company also doesnt have permission to publish anything.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VILOATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX. XXXX XXXX XXXX : ACCOUNT # XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX : ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX XXXX : ACCOUNT # XXXX XXXX. XXXX XXXX : ACCOUNT # XXXX XXXX. XXXXXXXX XXXX XXXXXXXX : ACCOUNT # XXXX THESE COMPANIES 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 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 IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Debt collection

I received a " Notice of Debt '' for {$80.00} for driving through a tunnel in Virginia. The bill has no date, no license number on the bill, no picture to verify it was my vehicle, and it was sent to an address that is not my DMV address and is not currently nor has not ever been my drivers license address. I am concerned this is a scam. I never received an original notice from XXXX XXXX XXXX so I would like proof of the original invoice with the charges on that bill if there was one and where it was mailed ( with same identifying information requested above ).
Product: Payday loan, title loan, or personal loan

This predatory lending company issued me an {$800.00} loan. After making several payments and paying it down, I was having a financially difficult time and tried to work with spotloan l. However, they threatened to put down I was refusing to pay. This was in I believe XXXX. Today, XX/XX/XXXX, my mother received a text from this company with a link, my account reference number, and the zip code in association with the account. These are the only things required to get into the account. Meaning, had my mom changed her number, someone would have full access to my account. Today my loan stands at {$1200.00}. I in no way can afford this, and to say paying these awful people back is the bottom of my life priority list, would be an understatement. Any help is appreciated.
Product: Checking or savings account

My identity was stolen on or around XXXX XXXX. During the time period of XXXX XXXX - various accounts were opened in my name. One of the companies Key Bank, i notified on XXXX that fraudulent accounts were open in my name. i spoke to someone on the phone at location below. 

KeyBank Fraud & Disputes Hotline XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX, A Fraud & Disputes Hotline Analyst at Key Bank that i spoke with indicated to me on the phone that there were actually more than 2 suspicious accounts in their system in my name open. He said i should mail documents in to them, which i did on that same day. I submitted all required documents - including a police report, my identity theft claim and all documents they required to the address listed above. 

to date, no one has contacted me in writing or by phone to indicate these accounts are closed. i want a letter in writing-not a phone call - that all accounts fraudulently opened in my name ( XXXX XXXX or my maiden name XXXX XXXX ) are closed. I have to date, NO accounts with KEY BANK at this time that i opened on my own. 

i am filing this complaint wanting help in getting this matter resolved.
Product: Credit card or prepaid card

I am currently on reduced hours due to the XXXX  vacation and my hourly wage and hours worked are reduced till XXXX. 
On average I am only making XXXX a month. 
My contract is only for 9 months only
Product: Credit reporting or other personal consumer reports

Experian is selling my data to credit card companies and the information is incorrect. There is no way to discuss this with a real person at Experian. I called every number I could find on XX/XX/year>. The bots do not recognize my nuanced concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing about the bad experience I had at the XXXX XXXX XXXX Dealership located at XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX ; On XX/XX/2018. 


While at work, I received a credit monitoring alert that my credit was ran at XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX location around XXXX XXXX XXXX XXXX XXXX. I notified the salesman of this error and he ask the Manger, XXXX if this was done. She said yes, and they would correct it. However, I would have not known of this egregious error if I have not been alerted. I call the dealership requesting an at fault letter : XXXX, dealership manager on duty said that one would be sent, but never received. That was on XX/XX/2018. Thats really concerning. She violated the Federal Fair Credit  Report Act, by running my credit without my permission. They were very unconcerned with trying to correct this very important and urgent issue. 

Second complaint with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX. My wife and I purchased two vehicles, one in XXXX and the other in XXXX. The vehicle purchased in XXXX, according to XXXX XXXX, they never received the payoff from XXXX. Because of this, my wife and I credit have been affected. Were both employees of the XXXX XXXX  and maintaining good credit is a must due to our security clearances. We have worked with a different manager at the dealership, which has been more helpful than the last. My wife and I are seeking punitive damages for these reprehensible acts. I have buyer remorse. This has taken a lot out of my already busy schedule to address this. 


Since we were recommended by a friend who said that XXXX XXXX XXXX always had a good reputation, thought youd like to know you just lost a potential customer because of these poor business practices.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER, given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to BBB and XXXX XXXX XXXX and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate. 
After checking all three of my consumers reports with ( XXXX, Experian and XXXX ) I have no knowledge of the following inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have lived in XXXX since XXXX. I have two student loan servicers : XXXX and Navient. 
I have complaints about XXXX, but they have been resolved to my liking. It did take several years, though. 
With Navient, the complaint is similiar to the problem I had with XXXX : since I live in XXXX, and the loan servicer does not accept a foreign checking/routing number, or my debit card here, so paying my monthly payments is a real nuisance. 
For awhile I would mail a XXXX XXXX draft to Navient, but the mail time was always unpredictable and the payments would often arrive late. Plus, getting the XXXX XXXX draft took up a lot of my time every month and had a fee. 
In the last couple of years Navient has helped me with a work-around : they do not accept credit card payments ( XXXX does XXXX but only for Americans living abroad, and only at a specific phone number that is NOT toll free... ), but they ( Navient ) will accept ( very specifically ) a prepaid XXXX card. However, in order to make this payment I have to phone Navient, wade through the automated system ( ultimately knowing none of the automated system will help me because I HAVE TO speak to a representative in order to pay this way ), and then more often than not I have to convince the representative that Navient DOES INDEED accept payments in this fashion! More often than not I have to speak to a higher-up so that the payment can be processed, because there is no address addressed to the card. 
Today I phoned and got to the part where the agent asked for the address. She then put me on hold for about 5 minutes, came back and told me that the department that processes this kind of payment was closed for the day ( I'm in XXXX and it was XXXX for me, she was in the XXXX  XXXX I'm assuming the department she was referring to was EST ). That phone call took 25 minutes in total, and I have to phone back tomorrow and do it all over again. 
I don't see how they make it so incredibly hard for me to pay off my debt. If they want my money, they should make it easy. I can not be the only American citizen with student loans now XXXX XXXX. They should accept my regular credit card, or find a way to let me pay through my XXXX XXXX, or in some other online fashion. It is XXXX.
Product: Mortgage

Complaint Description : Nationstar is basically making it impossible to finalize my HAMP loan modification after doing everything they said. I received a pay cut of about XXXX % back in XXXX 2015 and my wife ( at the time ) lost her job in XX/XX/XXXX. At that time, I applied for a loan modification. Made all trial payments on time, and since XX/XX/XXXX, there is always a reason they can not finalize it. Now, we had agreed if I made a payment by XXXX XXXX, and another by XXXX XXXX, they could finalize it. On or around XXXX XXXX, I scheduled my payment my payment to be taken from my account on XX/XX/XXXX. I was then told they needed a code and could not process the payment and would call me back. After not receiving a call, I called them and told me I needed to speak with my loan specialist. The problem is, Ive never been able to get a hold of her, even after numerous messages. When you call Nationstar, it goes to her voicemail everytime and you have to press 0 to speak to a representative who knows nothing about my case. I kept calling saying I need to make a payment and once again, someone would call me. So I logged online to try and pay and for they first time every they blocked me from making a payment online. The thing is, I got a new job and could easily make the payments, but it seems like they just want to foreclose and I 'm not sure why. What they are doing is wrong-I 'm trying so hard, but they are literally making it impossible. If I was n't paying a divorce attorney, I would get one because there is no way they are following legal procedure.
Product: Checking or savings account

Cash app closed our old account, and open a new one. This was 3-4 months ago. However we need to get the transaction history out of the old account. ( who, amount, and dates ) we have been trying to get this pulled back for almost a month now. 
we go though the Hoops to get access to the old account and see the data.

but one step along the way is they ask that we link the current active account to a debit card. we simply do not have one to link to we have routing and account numbers to link we have personal credit cards to link but we do not have a debit card. 

Not sure what one has to do with another, they hit this one hiccup and tell me to bad so sad. 
No faxing of ID, no other laternative attempt to access the data. 
MY data. 

Their support # defaults to email folks, they tell me they have done all they can do. 
I ask to escalate, nothing, just more vacuous emails I tried to CC the parent CO ( block ), still nothing
Product: Checking or savings account

Last year while living in XXXX, I had my debit card stolen. The person was using the account over a period of a week or so and I realized in time to call Chase before the account was fully drained. They asked me to present all the transactions that were fraudulent and I did so the best of my ability. They mailed me a new card, then soon after cancelled my account after I activated the new account. In addition, they reversed every single disputed charge and said I was banned for life from opening account with Chase. This was devastating as I was relatively new to the bank and they were my XXXX XXXX XXXX To this day, I still have a balance over my head with Chase that they call about periodically and Im sure Im still banned from opening an account with them. When I asked why the account was closed, nothing was ever said in detail to me so Im not completely sure what they think I did wrong. When I said the charges were not my fault, they simply told me Chase reserves the right to terminate a relationship with a bank at any point. Im sure this is a company policy, but I felt discriminated against because of the nature of the incident and how I was suddenly banned although my card was legitimately taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. XXXX XXXX inquired pulled it about my credit and pulled it without my consent and broke the law according Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my TransUnion consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the FCRA provides. A person shall not use or obtain a consumer report for any purpose unless -- - ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). 


I have not initiated any transaction with Premium CREDFurther, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX for review or collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters on XX/XX/2020 and also XX/XX/2020 and also have tried to reach out to the company my calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a result of the COVID-19 pandemic, my mortgage company placed a notation on my credit report that it was in forbearance and the Credit Bureau Equifax lowered my score by 35 points.This goes against the Governments statements that no one would be effected in a negative manner as a result of the pandemic. How may I get my score back to it's previous level?
Product: Credit reporting or other personal consumer reports

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending letters over 30 days ago, I have not received a response, and they have failed to provide satisfactory validation. I kindly request your assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$640.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple disputes in with Equifax in regards to their company simply listing a number as the account holder and not providing any details or information in regards to who the alleged owner is of the debt in question or anything. The entire role of the credit reporting agencies is to provide accurate and fair information for consumers and their reports. Equifax has failed to assist me in finding out who these individuals are who claim to own these debts in question.
Product: Credit reporting or other personal consumer reports

They reported a public record in my credit file that did not belong to me I sent a letter to the XXXX XXXX XXXX  asking for the contract in my name to support the listing on my credit, but it has been more than 30 days and they don't answer like law say. I asked Transunion to investigate and delete this from my credit report for violation and they didn't answer my dispute.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/year> 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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, 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 suppose to 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 signed up for a Discover card over 5 years ago. I signed with a secured card for a {$1000.00} deposit, which I paid. I was told they would review my account monthly and then it would become unsecured and I would get my deposit back. It is now 5 years later and after many calls they still have my {$1000.00} and my card is still secured and hasn't once switched to unsecured.