23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In according with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. I told XXXX, XXXX, and Equifax, to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify account 's that aren't reporting correctly.15 USC 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 or prepaid card

It was COVID I lost my job soon as I got another I paid my debt and have been on time since
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX   partial account number ****XXXX. ( Please see page 16 of the attached credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however, XXXX and Transunion have not removed this from my credit report. This incorrect reporting is harming my credit score and this line item needs to be removed. I have contacted the two bureaus to fix this issue but I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. ] I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it [ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ].
Product: Student loan

Trying to get my application process before my grace period ends. My application was placed 3 months ago and have not had any update.
Product: Debt collection

I called the company and explained to them I had no knowledge of the account. They asked me to verify my information, they confirmed they didnt have the correct information so I blindly gave them my correct information in hopes of clearing all confusion then they attached it to my credit. They then began to report on my credit a different amount that they previously told me in our first conversation and went as far as reporting I made over 10 payments in the last year which is untrue. I havent had any contact with this company since our initial conversation almost 3 years ago now and Ive never made a payment or agreed to settle the debt with this company.
Product: Credit reporting or other personal consumer reports

Greetings! I am truly thankful to you for addressing some of the fraudulent items on my credit report due to alleged fraudulent activity. However, I have noticed that several items still need to be removed. This message serves as both a follow-up and a new complaint to emphasize that I am a victim of inaccurate reporting. I am disputing the remaining items on my credit file because they reflect misleading information. The disputed items do not correspond to any transactions I have made or authorized involving goods, services, or money. Please remove any information in my credit file resulting from these inaccuracies. These items are unknown to me, and some accounts have already been deleted by other bureaus, raising concerns about their accuracy and the reported payment history on certain accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This Morning a process server called me from a Private number left a 48sec msg. Yawning and tired.XXXX XXXX. I will be served as a civil complaint Wednesday theXX/XX/XXXXand for more information reference XXXX and call XXXX. I called XXXX XXXX answered XXXX XXXX XXXX XXXX direct line XXXX.14min call about XXXX XXXX account ending in XXXX. For {$830.00} with attorney fees was {$3100.00}. Account opened XX/XX/XXXX closed XX/XX/XXXX and I could settle for {$620.00}. The name is the name and not an acronym. 
I called XXXX XXXX and the account dates do not match and the amount owed was {$400.00} and the are mailing me the last 3months of statements to confirm debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been reporting my credit report and has inaccurate information which is causing a hardship in trying to recieve credit. 
I have opted out and froze my XXXX XXXX  from reporting information regarding my credit report to 3rd parties and they still are reporting dispite my attempts to lock my XXXX XXXX  from future use
Product: Mortgage

Residential Credit Solutions ( RCS ) is not reporting my payment history correctly with the credit bureaus. My loan was transferred from XXXX XXXX XXXX in XXXX XXXX, RCS did not send modification paperwork until XXXX/XXXX/XXXX. The following are the lates showing on file from XXXX XXXX - XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX days during the modification, when they would not allow me to make a payment during this process, so technically there should be no lates on file with RCS. Please review the way this is reporting as it makes no sense to me. I would like this erroneous data removed from my credit file. 
XXXX XXXX XXXX sold my loan to Residential Credit Solutions ( RCS ) in XXXX. RCS approved my modification they added 10 years to the life of the loan at the same interest ( 5.75 % ) and increased the monthly payment. My monthly payment should have decreased when they added the additional 10 years to the term. When I caught the mistake and asked them about this they said I signed the loan documents agreeing to the terms. My loan is now transferred to XXXX.
Product: Mortgage

PHH Mortgage Services acquired my loan from Ocwen. I was advised I was approved for a trial modification with a monthly payment to be made XXXX, XXXX and XX/XX/XXXX after which a decision would be made for permanent modification. I called each week in XXXX regarding a decision and was advised the modification was approved and I would receive paperwork to sign and return. I received the paperwork XX/XX/XXXX indicating the permanent payments would begin XX/XX/XXXX and the paperwork needed to be notarized and returned by XX/XX/XXXX. I was advised the notorized paperwork was received XX/XX/XXXX and I would receive documentation confirming the permanent modification. I never received the documentation and called back each week for a status. I was advised on XX/XX/XXXX a PHH employee provided the wrong amount for me to pay and therefore the XX/XX/XXXX payment was short and the decision reversed. I questioned why I would receive two different decisions. The relationship manager assigned XXXX XXXX advised it was a mistake on their part and he was working to get it resolved. He advised on XX/XX/XXXX that I needed to pay {$1900.00} by XX/XX/XXXX to have the decision reversed in which I paid XX/XX/XXXX. I called the 1st week in XXXX and was advised I needed to pay {$630.00} for XXXX which was paid and at the time the modification would be permanent and reported as current. I have had four appointments since with the relationship matter with the most recent being XX/XX/XXXX and the matter is still not resolved. Once again he advised to check back next week. My credit report doesn't indicate I have a mortgage loan and that is a concern. I am not able to access any information on PHH website. When attempted a message populates indicating no account information is found.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd complaint to inform the Credit Bureaus that I am a victim of identity theft and I complaint to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. These items are unknown to me. Also, the information that some Credit Bureau provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I never received anything in return due to idenetity theft therfore the Credit Bureaus are required to remove disputed items completely from my Credit file XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXL ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Money lion keeps changing my payment history. At first it was only one 30 day late from XX/XX/2020. I disputed it and it came back as accurate which isnt true. So I contacted their customer service and was told I wasnt late and they would correct it. Well today I was notified of 2 60 day lates from XXXX 2020. At this point I want the account removed from my credit report, because they are updating my credit report with inaccurate information, causing my credit score to decline on a paid loan.
Product: Checking or savings account

BB & T Bank has charged me the following overdraft fees and fees to my account : On XX/XX/2018, they charged me {$36.00} in overdraft fees. 
On XX/XX/2018, they charged me {$36.00} in overdraft fees. 
On XX/XX/2018, they charged me {$36.00} in overdraft fees. 
On XX/XX/2018, they charged me {$36.00} in overdraft fees. 
On XX/XX/2018, they charged me {$100.00} in overdraft fees. 
On XX/XX/2018, they charged me a {$15.00} ACH Transfer Fee. 
On XX/XX/2018, they charge me {$35.00} in " Service Charges ''. 

BB & T is engaging in flagrant and abusive overdraft fee and other charges, which is keeping my account balance low. They are also holding the smaller purchases so that they can keep adding more overdraft charges. Between XX/XX/2018 and XX/XX/2018, BB & T Bank has charged me {$300.00} in overdraft fees and other transfer fee and service charges. BB & T is intentionally adding overdraft fee charges to my account to make more money from my bank account. BB & T is abusing the overdraft fee charges. They are not doing me a favor by adding excessive overdraft fee charges to my account, and instead they are intentionally adding overdraft fee charges to keep my account low and to make more money from my account. I called their customer service and they said they couldn't help me. I also called their " executive phone number '' and they did absolutely nothing for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was pulled without my consent by XXXX XXXX XXXX XXXX XXXX  after I agreed to XXXX XXXX   doing a soft pull. I did not hear from this CU or consent to have my credit checked. I believe I submitted an online dispute with XXXX, but was unable to get confirmation by e-mail and when I tried to check the status online, I got a message that the service was not available. This has happened several days now so I called Equifax. I verified name, SSN, DOB, address, employment, I was asked about addresses and loans, none of which applied to me. Then asked about an auto loan, which I verified I had with XXXX   and the exact payment, and was asked if I had a credit card and how much the payment was. I told the guy sure I have many credit cards, and named off several. He said okay XXXX. I told him I owe around $ XXXX and the monthly payment was around {$80.00}. He then told me he could not help me and I would have to submit a dispute by mail. I feel like Equifax has me flagged or something for disputing information. They are by far the worst of the 3 major agencies and are always extremely difficult to communicate with. I will fax the information, but there is definitely a problem with the way they do business.
Product: Credit reporting or other personal consumer reports

Bankruptcy filed with clerks office but told that the clerks office doesnt give information to XXXX, XXXX and Experian.
Product: Vehicle loan or lease

Company was faxed original copies of contracts with no signatures and amounts that dont dont match. I have ask for contract to be canceled and title sent ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 


Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 


Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX v. XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
3.Immediately block or remove all inaccurate information resulting from the identity theft. 
XXXX XXXX XXXX & XXXX XXXX XXXXXXXX
Product: Student loan

Great Lakes student loans serviced my loans for years. NelNet took over in summer XXXX. I no longer have access to my Great Lakes login portal to download or view my tax form. They also have not mailed me one per the XX/XX/XXXX deadline. There is no phone number to call or email to reach them. 

NelNet states on their website : The IRS Form 1098-E is your annual student loan interest statement. It includes the amount of student loan interest youve paid on your student loan ( s ) in the past year. You usually receive your 1098-E in late XXXX of the following year. 

Nelnet will send you a 1098-E for the interest you paid to us after the transfer. Great Lakes should send you a 1098-E for the interest you paid while they serviced your loan ( s ). If you add the totals together, you can determine the total interest you paid for the year. Make sure to seek tax advice from a professional if you need assistance.
Product: Credit reporting or other personal consumer reports

On today, XX/XX/year> an alleged speeding ticket appeared in my credit report from another county some 25 years later. Also, my credit report was unlocked and the last time I recall, I went in and locked my account. Experian continues to put false information in my credit report, where did this information come from. I don't know anything about this and would like this taken off my report
Product: Debt collection

XXXX XXXX called my job togs my boss they were on their way to pick me up to take me to jail. Caused a huge scene and nearly coast me my job all for a charge that was't mine.
Product: Checking or savings account

My finance coach instructed me to file a complaint for the Wells Fargo settlement ( defrauding its customers from XXXX ) They ( Wells Fargo ) did not notify me about this class action settlement and I have been a customer of theirs since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  account XXXX has violated my rights.

15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 
Creditor Information XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Balance {$120.00} Highest Balance {$120.00} Opened XX/XX/2020 ( 2 yrs, 1 mo ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Medical Original Creditor Name XXXX XXXX XXXX Closed No Info
Product: Checking or savings account

Wells Fargo is charging me NSF fees days after an em has cleared my account. They are saying that my account was negative when in fact it was not. I have been charged with {$35.00} nsf fees each time. Items have been returned causing me to lose money or to pay double. I just recent had {$35.00} deducted from my account and have not received a response in over a week. This is an ongoing issue.
Product: Checking or savings account

I purchased a 6-month CD from Citi online on XX/XX/year>, with a principal of {$50000.00}, maturing on XX/XX/year>. When I withdrew the funds on XX/XX/year>, I was penalized {$340.00}. On XX/XX/year>, I had informed Citi by phone to transfer the principal to my checking account after maturity and not to renew the CD. I've attached my call record. On XX/XX/year>, I was told by customer service that withdrawing would incur a penalty, despite my prior instructions. They mentioned I could request a refund via a form at a branch. On XX/XX/year>, the manager at the Citi branch at XXXX XXXX XXXX, XXXX, CA XXXX, refused my request. I request Citi to investigate this thoroughly, including reviewing the call recordings from XXXX and XXXX and the branch visit.
Product: Bank account or service

I asked Chase bank customer service to set up my checking account so that it will not allow transactions to process if there is not sufficient funds in my account. In essence, so they would bounce back to the originating source. Chase cs sent me a link to use but it did not work for my checking account. Since then several transactions have processed through my account when there has not been sufficient funds and they are charging me fees for these items.