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

FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Collection account. {$1400.00} past due as of XXXX XXXX. 
XXXX, XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4800.00} Status Collection account. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$360.00} Status Account charged off. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Apartment complex XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Resident type XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Resident type Single family XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have 2 credit cards with Huntington Bank. I made payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in each account all above the minimum amount owed. My statement comes out on the XXXX of each month. I received a notice that my XXXX payment had not been made. I contacted the bank to tell them that I had made my XXXX payment XX/XX/XXXX, two XXXX payments XX/XX/XXXX and XX/XX/XXXX and my XXXX payment on XX/XX/XXXX for each card. They said that since I made the XX/XX/XXXX payment two days before the statement came out it could not be put towards my XXXX statement and the XX/XX/XXXX payment would have to count towards XXXX. When I complained they said they could not do anything about it. I spoke with the credit department, a supervisor with the credit department, and two personal bankers on 2 occasions. I was given the runaround on each occasion. I got a {$27.00} fee for each account, inexplicably they refunded the XX/XX/XXXX payment on XX/XX/XXXX and XX/XX/XXXX, reported 2 missed payments to the credit reporting agencies and lowered my credit limit " due to poor credit '' because of their reporting. I was out of town much of that time due to the holidays so I was trying to be proactive with my payments leading up to the holidays now my account is a mess, my credit has been lowered and my credit score is also a mess.
Product: Debt collection

In collections, show {$0.00} balance, Debt has been paid.
Product: Credit reporting or other personal consumer reports

I am writing to submit a formal complaint against Transunion located in XXXX XXXX, FL. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, Transunion has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of Transunion has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Product: Credit reporting or other personal consumer reports

I sent the company my police report to show that the XXXX loan that was opened in my name was opened fraudulent and they still havent took it off my credit report or anything.. they have not took any action or investigated it
Product: Checking or savings account

Bank of America overpaid my online bill payment to XXXX XXXX Account XXXX The payment was for {$85.00} dollars, but Bank of America sent XXXX dollars. Please note that I did not have XXXX dollars in my account and never have. So now my account shows a negative XXXX dollars as a balance. They took my personal money of XXXX dollars and then ran my account negative to {$80000.00} dollars. What bank does that? If the money is not in the account, they should not pay the bill. They Bank stole my money, and I want it back. I have no money to eat, no gas money for my car, no XXXX money. Each time I spoke to the bank after a very long hold, it was a different story each time. The first time they state it was an error, and it should reset at midnight-last night. That did not happen. It still shows a negative XXXX dollars. Today they state it will take 3 days to have the money back in the account. This is a banking error so they should absorb the XXXX error. As long as this money is out there in cyber space, the banks can use it. XXXX XXXX XXXX. The banks stole a lot of money doing this exact thing. In the meantime, people like me suffer. The banks should pay for all of this.
Product: Credit reporting or other personal consumer reports

Ive found several unauthorized inquiries on my credit report. These inquiries are fraudulent and have been made without my knowledge or consent.
Product: Payday loan, title loan, personal loan, or advance loan

They are calling me three times a day almost everyday, they use different phone numbers it is insane, 15-21 times a week, I have talked to them and told them when I can pay they still do not stop calling with same XXXX and nothing has changed, they claim they are calling to help they not, this is a loan given to me at XXXX percent years ago when I didn't even have a job, I should have never qualified for it, but the calling is insufferable, I have mentioned to them this is the definition of harassment, being they are calling well over 7 times a week and today they started texting me, keep ion mind this is a collateral loan they could just come get the car but instead non stop calling, I can not even see my full payment history online for this loan but I am sure I have more than paid for it, but XXXX at XXXX percent sky rockets back up when payments gets missed, the calling needs to stop I would like to see this loan dismissed I have even brought this up with the women who calls her name is XXXX and told her she is calling to much and it is harassment she claims, " not its not because we are trying to help '' excuse my language but that's a crock of XXXX and fantastic legalese use to justify what is nothing more than harassing behavior I've told them they will get paid it will just take time for me to get another job and that just does not satisfy them, 3 times a day everyday like clockwork and sometimes on weekends, I more than deserve to have this dismissed for this absolutely abhorrible behavior. This is through one main financial they have been in trouble in the past for ripping people off I believe there was a settlement a few years back this place should not be in business
Product: Mortgage

This complaint is against TransUnion Credit Bureau and related to complaint # XXXX. TransUnion is reporting from my mortgage servicing company XXXX XXXX XXXX a Derogatory status. This is inaccurate and seriously wrong status. My loan has never been delinquent or not in current status with XXXX XXXX XXXX. I have submitted documentation with complaint XXXX. This inaccurate status has impacted my credit report and caused me harm. Additionally, it is violation of the CFPB laws.
Product: Debt collection

Essy money I have an loan out. Yes I 'm late 4 days. The first time someone called me from the corporate office I told them I would be in on my next payday which is XXXX XXXX she told me she could n't stop it from going to my account again. I said ok. She told me she would enter it in the system. Someone called me back to back the next day from a different number from the day before. I picked up and she asked if this was me.. I told her yes could I call her back I was with an customer at work. She told me no you can not. I asked who she was with and she told me easy money. I told her someone contacted me yesterday she interrupted me and tod me I needed to pay and I can use a debit card!! They need to get it together. I work for an loan agency when someone puts a promise to pay we can not keep calling them once we contact them. Unprofessional
Product: Debt collection

I check my credit report and its an account for Jefferson capital system saying it was open XX/XX/XXXX XXXX.i couldnt have open that account cause i was XXXX  that that time. Account amount is {$2500.00}
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I had closed this card back in XXXX of XXXX and I did Bankruptcy in XX/XX/XXXX. It took for ever for them to close the card on my XXXX report! Now XX/XX/XXXX they opened it back up on my XXXX report when it was closed and included in bankruptcy and it dropped my Score XXXX points! They are doing this deliberately!!!
Product: Credit reporting

I have come to the conclusion that the credit bureaus are violating my rights under section 1681 and that they have received the following : NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. I had previously sent my XXXX and XXXX rounds to the bureaus with no resolution, and round XXXX on XXXX/XXXX/15 and round XXXX on XX/XX/XXXX. I receive the same response each time saying " verified '', and yet section 609 ( c ) states that I am allowed disclosure of the documentation used to " verify '' the accounts. They refuse to provide the documents as well as their method of verification ; the results they send state that I can request such and then they deny this. The accounts I am disputing do NOT belong to me. In addition, there are multiple addresses on my file that do not belong to me ; therefore, I am positive they belong to someone who has used my information in one way or another. I have attempted to contact each creditor and have not resolved with them either. I am going to have to resort to suing the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Student loan

My student loan is currently in an education deferment with  Navient,  formerly known as  XXXX   XXXX . I initially took the loan out   XXXX   for an amount of {$22000.00} and there is currently a balance of {$13000.00} on the account. The loan is an education deferment as I have just completed my  XXXX   XXXX   XXXX  in   XXXX   XXXX   at the University   XXXX   XXXX   and am continuing on to complete my   XXXX  . in   XXXX   at the University   XXXX   XXXX  . My issue is with my creeping interest rate. Currently, the interest rate on this loan is at 9 % after Navient, again, has increased the rate. They have increased the rate steadily every few months recently, outpacing the  LIBOR r ate, which they claim to use as their baseline when I called to inquire about this. I called  Navient o n   XXXX   XXXX   XXXX   and was told my interest rate was variable, based off of the  LIBOR rate and my credit score. When I pointed out that my credit score has increased greatly since the loan was taken out, I was informed they only look at my credit score from the day I  took out the loan. Given this, the variable interest rates marginal variation should only be based on th e LIBOR rate, w hich is still positive, but marginally decreasing, meaning it is moving in the opposite direction of my loan interest rate. I have had previous issues with Navient/  XXXX   XXXX   when they advertised special repayment benefits for military members. I served  XXXX  years  XXXX   XXXX  in the  XXXX   XXXX . When I called to inquire about these benefits, I was told that my service did not count as  XXXX   XXXX  and I was not entitled to these benefits and that soldiers are only  XXXX   XXXX  when they are overseas, otherwise, they are part of the reserve. As a  XXXX  veteran, I gave some of the best years of my life to serve in whatever capacity my country needed me to and it is very frustrating that, as I am trying to use my benefits to further my education, I am being told that this company can arbitrarily increase my interest rate with no limits. When asked why I did not receive notification of my interest rate hike, I was told that because I am currently in school, they  may no t let me know when my interest rates are changing. The representative went on to read the interest rate increases that have occurred recently without my knowledge as if it was a justification for the current hike. I understand how the  LIBOR work s, but no other lender is trying to extort me this harshly.
Product: Mortgage

This is a continued follow up to response complaint XXXX. I've engaged an attorney to review this matter. There's still discrepancies in what WF claims I owe. I want a full copy of my account activity by COB tomorrow before I can make a decision on proceeding with the loan modification. The amount remaining in question is the $ XXXX " pre-petition '' arrears. The previous statement of my account does not cover the arears for this period. The original XXXX filing noted I owed $ XXXX pending the loan mod. Payments were made XX/XX/XXXX - XX/XX/XXXX per the loan mod ; however, then in XX/XX/XXXX, they noted I was in default $ XXXX, XXXX payments starting XX/XX/XXXX when XX/XX/XXXX was already via a trial mod payment. My attorney and I would like to see the history leading up to the $ XXXX to confirm.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I used PayPal Credit to fund several purchases. On XX/XX/XXXX, I made a complete payment on my balance, {$570.00}. PayPal took the full amount out of my account, than a day later, charged me the full amount again. This overdrew my account, I called my bank, and the charge was reversed. Than, just yesterday, PayPal charged me the full amount again. I called them, they agreed it was a mistake, and said they'd send it as a check in the mail. I have bills I need to pay NOW, and my account is overdrawn. My rent check just bounced because of this, and now I'm at risk of homelessness. This is unacceptable, and I'm freaking out.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX / XXXX XXXX Balance {$1500.00} XXXX XXXXXXXX Balance {$590.00} XXXX XXXXXXXX Balance {$0.00} ( Original Creditor : XXXX XXXX ) XXXX Balance {$89.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

15. U.S Code 1666b section A says verbatim, '' A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. So is XXXX above the Rules, Regulations, Codes set herin from the United States Commercial Code? If XXXX agrees to abide by the 1974 Privacy Act why does XXXX continuously violate the terms and obligations they say they will uphold? XXXX has been known to violate its users privacy rights on many occasions. Around XXXX of XXXX XXXX decided to create a XXXX XXXX XXXX settlement fund to address XXXX 's data breach. I was not part of that lawsuit but once again I believe XXXX to reiterate XXXX has been selling my data to a third party knowingly then misrepresenting that information by reporting false and misleading information which has put a financial burden on me and my future purchases.