23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, 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  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they are not even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit card

After going over my credit report from Equifax, I noticed that there was an additional closed credit card account. I only have XXXX credit card from XXXX XXXX XXXX, which is in good standing, so I automatically knew that this credit card was n't mine and as further proof, the status lists the CONSUMER as DECEASED since XX/XX/XXXX. This mishap should n't have happened because something like this should be automatically flagged by their operating system, especially since this occurred 4 years ago. Additionally all the end dates, listed under the " address information '' section of the credit report all conflict with each other. All XXXX apartments report that i left XXXX of them on XX/XX/XXXX and the last XXXX I left on XX/XX/XXXX. Also since the move in dates are accurate it appears that I have been living in XXXX separate apart 's concurrently. Its ridiculous and it could cause me future problems, potentially when I try to rent or buy a place of my own and it should be corrected or removed immediately by them.
Product: Student loan

NAVIANT has been unwilling to make my monthly payments manageable amount, even through hardship letters, and proof of income statements. I have had no flexibility on what day each month my payment is auto drafted.
Product: Debt collection

I have medical collection accounts that have been turned over to LJ Ross Associates in XX/XX/XXXX. I sent then a certified letter onXX/XX/XXXX to stop all communication with me and that I dispute this debt. 

LJ Ross has since reported the collections to XX/XX/XXXX on XX/XX/XXXX in the amount of {$1300.00}. 

1- they reported seven different amounts instead of one total amount equaling {$1300.00} 2- they Illegally re-aged the collection by continuing to flag my account every week since XX/XX/XXXX. They have flagged my account on XX/XX/XXXX and XXXX XXXX. 

This is effecting my credit score and credit worthiness. 
How do I stop them from continuing to flag my collection account?
Product: Credit reporting or other personal consumer reports

HELLO, I AM NOT DOING WELL. I AM VERY STRESSED OUT. I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines.

Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting.

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received.

******IMPORTANT****** PLEASE DON'T RESPOND TO MY REQUEST SAYING THAT THESE ACCOUNTS ARE VERIFIED BY THE INFORMATION PROVIDER, SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX Date Opened : XX/XX/2012 Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

on XX/XX/2022 a letter was sent stating that I were disputing the validity of the alleged debt by certified mail. Also, a notice to cease and desist letter was sent on XX/XX/2022. 

Re : Notice to Cease and Desist Account Number : XXXX Dear NCA , To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via email dated XX/XX/2022. While checking the above report, it came to my notice that your Company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you. Thank you for your cooperation
Product: Credit card or prepaid card

I used their autopay system to set a payment for my credit card and apparently it failed, and they have the audacity to charge me for its failure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested the verification of a negative item on my credit report. If I understand the Fair Credit Reporting Act correctly, you are required to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. But all they sent me is general response stating the account was severely delinquent which led to the account to be charge off. I understand that The Fair Credit Billing Act requires creditors to bill correctly, that each statement be sent to the correct address, that you not ignore change of address requests, and that you facilitate disputed charges in a manner prescribed by law. The Act also stipulates that you provide lawfully requested information concerning my account upon request and in a timely manner. For that reason, I request that you please forward a notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the period I have been a customer. 
If any of that information is inaccurate or can not be verified, then the entire item is unverifiable.
Product: Checking or savings account

I had a chime account in XXXX  and it was closed because I dispute transactions that were not made by me and never received a reason why it closed or a refund check with the amount of money I had in my account I know they had been a lawsuit and I was not notified at the right time to claim the settlement benefits but I want to know why they kept my money and why they closed it
Product: Vehicle loan or lease

On XX/XX/2020, Nissan Motor Acceptance Corporation posted a payment of {$19000.00} to my account. I attempted to reach NMAC several times via phone and live chat, but was unsuccessful. I assumed that the payment was made by a family member or a philanthropist attempting to assuage some of the stress related to the pandemic. On XX/XX/2020, I logged into the NMAC website and saw that my account was closed. I received a letter certifying that my contract was fulfilled, and my lien was released. On XX/XX/XXXX, I logged into the website again to find that my account was reopened and past due. I have still had no success reaching a representative.
Product: Money transfer, virtual currency, or money service

I contacted cash app on several different occasions trying to gain access to my account that I was locked out of. I no longer had the same phone number so I couldn't verify on my new number my old account information. I also didn't have access to my older card that was attached to my account because there was fraudulent activity on it and it got tossed by my bank. I tried for XXXX  months in a row to gain access to my account to get my money out they eventually just made me give up on it there was about {$100.00} in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've placed credit freezes with all three credit bureaus, XXXX, XXXX, and Experian. XXXX  and XXXX make the process of lifting or unlocking a credit freeze online simple and straightforward using your pin and/or log in. Not once have I had to call either bureau. Experian, however always makes this process exceedingly difficult and never straightforward. When you enter their website looking to unlock a credit freeze you invariably run into their paid " credit unlock '' services which about the same thing as the free credit-freeze. Figuring out how to unlock your freeze on the Experien site is harder than just XXXX   how to do it. After trying numerous times my pin number is never accepted and all the online steps to unlock don't work. They eventually make you call their 800 number to retrieve your pin, but the robot refuses to accept or even allow enough time to enter my ss number. Then they tell you you submit the information in writing which in this day and age is ridiculous. Why is Experian still making this process exceeding difficult to navigate unlocking a credit freeze. I'm sure I'm not alone here.
Product: Mortgage

This is a 2nd mortgage, last year we were notified that it was being transferred from Newrez to Shellpoint Loan/ mortgage Servicing but they are one and the same company. the first payment to Shellpoint was due on XX/XX/XXXX, we were told we didn't need to change anything. 
A few months ago our mortgage statements began stating we were behind in payments and that they had not received any money from us. The monthly payment is always {$420.00} per month. 
We have a weekly auto pay set up for {$100.00} from our checking account straight to them, we have never been late nor missed any payments. 
We immediately called customer services and learned that the weekly installments we set up with Newrez are incompatible with the Shellpoint billing system, causing our payments to be held in an unapplied or missapplied queue. Evidently their system can not not see the payments until an employee manually moves them to the loan account and this only occurs when we call. The first time this happened we offered to change to bi-weekly installments but their CSR said we needn't change anything as now they knew we were paying weekly it would not happen again, but it has continued to happen and we have had to call several times to ask that the money be applied to our loan. Now it seems some payments are missing or lost in their system and are not applied even when we call. 
Each time we call the CSR takes a long time to review our payments and ultimately agrees that we are current and not delinquent. 
I see some changes were made following my most recent telephone conversation with them XXXX but the payment history on their site is impossible to decipher and the XXXX statement still shows we are behind - as will the XXXX one I am sure.. 
However, every payment has arrived prior to the due date, none were missed and we are actually paid through XX/XX/XXXX.
Product: Checking or savings account

Hi I received the letter that checking, savings, and credit card accounts would be closed on XXXX XXXX, 2022. I called the number provided in the letter, but they never disclosed why my accounts were closed. 
Recently i refinanced my apartment and used the money to pay off credit cards debt. 
I am trying to pay off my credit cards as I use them. 


It is very disturbing to know that your life can be changed so much by allowing the banks to run algorithms without any input from the customers. 
Please help me determine why my accounts were closed and how I can get it back.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my Rights! Under Act 15 U.S.C 1681 section 602 says, " 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 ''.

Under 15 U.S.C 1666B, " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. I reached out to the FTC and my local police. I'm also doing this on my own behalf. These items need to be deleted from my credit report XXXX, US Dept ED, DeptedXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and there is an account on there that dont have a name but the account number is XXXX.
Product: Credit reporting or other personal consumer reports

On XXXX, there was an unauthorized inquiry on my credit report that I did not authorize. According to the Fair Credit Reporting Act, I would like to ask that this inquiry be investigated and removed immediately from my credit report. Please confirm in writing once this has been done. Thank you for taking the time to look into this matter.
Product: Checking or savings account

I, XXXX XXXX, Consumer, have sent a notice to Santander Consumer USA Inc, including an invoice of {$61000.00} via Consumer Finance Protection Bureau ( CFPB ) and the notice and invoice shall not be construed for any reason or any purpose at anytime. If Santander Consumer USA Inc, willfully fail to comply with my written instructions, I will have no choice but to file a lawsuit in Federal District Court with Prejudice! This notice shall take effect immediately! 
ALL RIGHTS RESERVED!
Product: Student loan

In XX/XX/XXXX I requested a refund on all student loan payments that i made after XX/XX/XXXX totaling {$15000.00} and i was told the request would take XXXX weeks to process and was instructed to call back in XXXX weeks to confirm the request was made properly. 

XX/XX/XXXX I call to check on the status and am told they can not see my request. Aidvantage  states they can not locate my payments made since the loans were serviced by XXXX at the time and i needed to speak with XXXX. I contact XXXX and then assure me that all records were transferred Aidvantage and that Aidvantage should have all of the payment history. 

XX/XX/XXXX I speak with an Aidvantage representative who tells me that they can in fact see prior payments but the request was not submitted correctly because the amount was over {$10000.00} and needed XXXX approval. She assured me that the request would be resubmitted and approved. 

XX/XX/XXXX I speak with Aidvantage who says they can see the XXXX approval and it is just pending processing and no further action needed. 

XX/XX/XXXX i speak with Aidvantage and am told that there was an issue because my loans were previoulsy serviced by XXXX and that i made were to payoff the loans in full so they needed confirmation of prior payments that i made. I uploaded a detailed payment history dating back XXXX showing all payments made on prior loans from XXXX to XXXX. I confirmed on the phone with the representative that she received my documents and would be elevating the refund request. I went through each payment with the representative that i was requesting to be refunded and they are as follows : XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$2300.00} XX/XX/XXXX - {$2200.00} XX/XX/XXXX - {$2000.00} XX/XX/XXXX - {$1000.00} XXXX - {$2000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$2700.00} At this point i was assured that everything was submitted and would take XXXX weeks to process now that documentation was received. 

XX/XX/XXXX i contact Aidvantage via email and am told no progress has been made but that the refund reqeust was being expedited and would process in XXXX weeks. 

Now on XX/XX/XXXX, nearly XXXX  months after the initial request was submitted and after numerous phone calls and emails, i still am yet to see any refund processed. I have done everything on my end to provide Aidvantage with all documentation they have reqeusted and repeatedly i am told that they will handle the request and time after time i am left without resolution. They had no problem taking my money for loan payments and penalizing me if i was late but now that i am reqeusting money back from them it takes over XXXX  months and that is unacceptable. I need my {$15000.00} refunded within XXXX  days of this complaint being filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone else name appears on my credit report and an unknown address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ma XXXX I would like to press charges against this individual for fraud
Product: Credit card

On XXXX XXXX, 2016, I purchased airline tickets from XXXX XXXX on my American Express card for travel on XXXX XXXX, 2016. The amount of the purchase was {$220.00}. I arrived at the airline counter in more than enough time to check my bags and board the plane. The counter agent refused to take my bags and would subsequently prevented us from boarding the plane. I submitted a dispute to American Express regarding the charge. They have refused to charge back the amount paid for this airfare.
Product: Credit card

On XX/XX/XXXX statement, the statement closing date was XX/XX/XXXX and the new balance for this statement was {$850.00}. The interest charge was added at an APR of 29.99 %. When I checked the XX/XX/XXXX statement, the statement closing date was XX/XX/XXXX and the previous balance for this statement was noted to be {$850.00}. However, the interest charged on this statement was incorrect. The APR was still noted to be 29.99 %, but the balance subject to interest rate was {$2400.00} and ultimately the interest balance was overcharged at {$61.00}. The balance for XX/XX/XXXX was {$850.00}, not {$2400.00}. I am not sure where they found this balance from. I spoke about this issue to someone on the phone where they agreed with the issue. A dispute was submitted on XX/XX/XXXX regarding finance charges where they would look further into the situation. However a letter was sent out on XX/XX/XXXX that indicated that they were unable to remove the finance charges from the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to a previous Fraudulent account, an incorrect address is showing up on my credit report. 

The Address reporting incorrectly is : XXXX XXXX XXXX XXXX, WY. XXXX My CORRECT current address is : XXXX XXXX XXXX XXXX 
XXXX XXXX, La. XXXX My PREVIOUS address is : XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX Please Remove the incorrect address from my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

I had a vehicle stolen from me in XXXX from a mechanic who was fixing my vehicle. He cashed the insurance checks and never returned my vehicle to me. GM financial refuses to except that the loan is no longer my obligation. Even after the man was charged with a felony this year after a 5 year battle with this issue. The charge from GM financial is sitting on my credit report for vehicle that has not been in my possession since XX/XX/2019 and to my knowledge is possibly still sitting somewhere on the man 's property. GM financial told me over the phone I am still responsible for the loan and I had consumer lawyer dispute the charge and they are still refusing to settle my account with them. I am asking for a resolution as this is severely affecting my livelihood having a fraudulent charge off on my credit report. See attached documentation.
Product: Bank account or service

A CD account was opened with XXXX bank in 1996. This bank was subsequently acquired by XXXX XXXX and then Wells Fargo. I am trying to recover these assets but Wells Fargo claims to not have the account or proceeds. I have also checked with the state of Missouri unclaimed accounts division but they have no assets for these account holders.
Product: Credit card

I used my credit builder card to get a rental from XXXX. I was charged upfront. I had a situation come up on the day I was suppose to return therefore i wouldnt make it back to XXXX in time to return the vehicle. I called XXXX to do an extension, XXXX told me thats fine, theyll charge me the cost of the rental when I get to the location. Instead they charged my card {$1100.00} on XX/XX/XXXX. I sent the bank a copy of my receipt from XXXX. My card is locked and it has been locked all of this time. Chime allowed XXXX to take money that I didnt have in my account. My card is locked and my account is already over {$800.00} in the negative. Chime continued to allow chime to take unauthorized payments out of my account for things I have no idea im being charged for. XX/XX/XXXX XXXX took {$140.00}, my card is locked and I have a negative balance. XX/XX/XXXX XXXX took {$19.00} cents, my account is locked, I never authorized this transaction, in fact Im on XXXX do not rent list. On XX/XX/XXXX XXXX took {$150.00} more and chime is just authorizing these transactions. Im now in the negative, if I disputed these transactions, telling you they arent authorized, I dont even have the balance to cover them, my account is in pass due.