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. 

Account name : XXXX XXXX XXXX Account # XXXX 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 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.
Product: Bank account or service

I applied for a Citigold Checking account under the promotion code XXXX. I met all of the requirements on XXXX/XXXX/2016 and the XXXX XXXX should have posted within 90 days, which would be XXXX/XXXX/2016. I have been in contact with Citi via secure messaging since XXXX/XXXX/2016, but keep getting told that they are still reviewing my case.
Product: Credit reporting

My credit reports shows that I lived at, XXXX XXXX at XXXXHowever, at that time I was living at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX. XXXX XXXX XXXX Apartments ) XXXX XXXX XXXX XXXX, Alabama XXXX phone number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Alabama XXXX phone number XXXXWill you please look into this matter for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are several accounts showing wrong information on all three of my credit reports. I have disputed these inaccuracies with all three bureaus and they refuse to remove them. Instead they are continuously updating the information in their system. I am one of several consumers who's information was apart of the XXXX  data breach.
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE XXXX XXXX XXXX XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Product: Checking or savings account

On XXXX XXXX I get messages from bank of america that someone tried to withdraw over XXXX dollars from my account and the transaction was cancelled.When I checked my account someone already managed to spend XXXX dollars at some place called XXXX XXXX  and another charge from an insurance company I have never heard of.I filed a dispute, got my account frozen, contacted both companies and both of them said they cant do anything about it.The charge was made in XXXX XXXX  according to the bank statement i live XXXX miles away from XXXX  so it should be quite obvious that I wasnt the one withdrawing the funds.I contacted the bank and they still havent refunded my money and this is the third time my money has been stolen from this bank.The bank isnt being very helpful and the XXXX dollars total charged are very important to me since im a college student and need the money.I have attached my location for the day which proves I was in maryland XXXX which is my home and not at XXXX  during the time of the transaction.Thank you
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing part of the fraudulent information from my credit file, but there are still unresolved items that should be removed. Under FCRA Section XXXX, you are required to remove any inaccurate records. I have already provided this documentation in a previous letter, and I am including it again. My attorney is fully aware of the situation and is ready to hold you accountable for your ongoing non-compliance. 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

received a letter from nelnet and a robo call, yesterday and this morning. STOP CONTACTING ME! YOU ARE BABNKRUPT AND HAVE COST ME MILLIONS OF DOLLARS.I WILL BE FORCLOSING ON YOU AND THE FEDERAL RESERVE IN THE XXXX RELATED BANKRUPCY PROCEEDINGS. DO NOT CONTACT ME! ADDITIONALLY YOU ARE ENGAUGED IN FRAUD, AND DISCRIMINATION, AND BRIBERY, AND MANY OTHER CRIMES. I WILL BE TESTIFYING AGAINST YOU. DO NOT CONTACT ME! CONTACT XXXX XXXX XXXX
Product: Debt collection

A collection popped up on my credit report XX/XX/2018 and it was suppose to had been taken care of. I paid it XX/XX/2018. For mortgage reasons me, my mortgage Lender, realtor, The original creditor XXXX XXXX/ XXXX, and The credit bureau started calling CBE group collection agency XX/XX/2018 To get the account Removed from my credit report. We Could not get in touch with them. They never answered the phone And they never called the creditors back. I was supposed to close on my house XX/XX/XXXX then XX/XX/XXXX we had to ask for another extension Because we couldnt get in touch with CBE group. The credit bureau just need to hear from them and them state that this was paid In full and to remove it. I dont want to lose my house.
Product: Student loan

I have XXXX payment left before achieving PSLF, but I am on the SAVE plan and can not pay. I would like to be moved to the IBR plan or receive the XXXX processing forbearance I am entitled to, but several errors on MOHELA 's part have made it impossible for me to do so. 

XX/XX/year> : I submitted an application to MOHELA to move from SAVE to IBR so I can either start repayment OR be moved to a XXXX processing forbearance, which will count toward PSLF. 

XX/XX/year> : I received a notice from MOHELA saying I would have a XXXX processing forbearance that would count toward PSLF as of XX/XX/year>. 

XX/XX/year> : I received a notice from MOHELA saying my forbearance had ended and my account would be moved to repayment under XXXX. This forbearance should have gone through XXXX and SAVE repayment is impossible while it is being litigated. 

XX/XX/year> : MOHELA withdrew {$330.00} from my bank account under the SAVE plan. I called a representative who assured me this was an error on MOHELA 's part, my account went into repayment too early and processing forbearance ended early. She told me she would submit an " adjust forbearance request '' that would put me back into processing forbearance through the end of XXXX, and I could call back at that time to be placed into general forbearance if my IBR application hadn't yet been processed. She told me I would be refunded for the auto pay that was also an error on MOHELA 's part, and I would receive PSLF credit during the next 60 days. 

XX/XX/year> : I received an email from MOHELA saying my processing forbearance, which was supposed to last through XXXX, had ended and I was being placed into general forbearance, and I will not be receiving PSLF credit during this time. 

I am dismayed by MOHELA 's incompetence and lack of accountability. I have tried emailing about this issue, but their responses to emails are vague and simply encourage you to call. When I do call, hold times are hours long, representatives are often uninformed when you can get a hold of XXXX, and when I did finally speak to someone who understood my concern, her attempts to fix my account have clearly not been successful as I am back where I began.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  the creditor reported inaccurate information after they have been receiving payments on time and after contacting customer service regarding the issues that they have caused me by not correcting the information after speaking with their customer service representatives that are not doing their job as requested by phone or letter.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and responsibility and I noticed an account that does not belong to me. I have no knowledge or have I ever had a signed contract with the account stated below. In accordance with the Fair Credit Reporting act. The accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, 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 agency if the person knows or has reasonable cause to believe that the information is inaccurate.

the inaccurate information on my credit report is stopping me from improving my credit score and getting me approve for credit to get a new house for my family.
Product: Credit reporting or other personal consumer reports

I noticed inquiries on my 3 major credit reports that I never gave permission for these companies to run my information. XXXX  XXXX  on XXXX Consumer portfolio service on XXXX XXXX XXXX on XXXX XXXX XXXX XXXX on XX/XX/year> and XXXX XXXX XXXX on XX/XX/year> XXXX Please remove these inquiries as I never gave permission
Product: Credit reporting or other personal consumer reports

Hello Experian, My name Is XXXX XXXX I am a resident of the united states. I am having difficulties understanding who's responsible of my report being flagged as fraudulent Activities. I noticed so many accounts, addresses and inquires that doesn't belong to me. I am asking that you guys thoroughly look through my letters and reports and be sure to provide me with the greatest feedbacks. I need these items removed i never authorized for them to be open.
Product: Debt collection

Stenger & Stenger, PC sent letter demanding payment on account oudated since 2008 ; GA state statue of limitation has expired ( 5yr ) per OCGA 9-3-25 and not collectible/ not my account, violated FDCPA and FCBA ; and XXXX other companie asking the same " XXXX AND XXXX XXXX XXXX '' ... .NEVER DONE BUSINESS WITH COMPANIES AND ID FRAUD AFFIDAVIT HAS BEEN FILED WITH FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX   XXXX {$610.00} XXXX XXXX {$14000.00} XXXX  XXXX {$23000.00} XXXX XXXX {$960.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

One main is incorrectly reporting my payment history on all 3 credit bureaus for the month of XXXX XXXX 

One main reported my account as paid as agreed on all 3 credit bureaus until XXXX XXXX XXXX 

On XXXX XXXX XXXX, One Main updated my payment history with all 3 credit bureaus as late for XXXX XXXX 

My XXXX XXXX payment was due on XXXX XXXX  and payment was made on XXXX XXXX XXXX XXXXhich was late but not 30 days late as reported on my credit report. 

I also was approved for a deferred payment for XXXX and XXXX of XXXX and was told by the local agent that approved the deferred payments that I would not be reported late on credit reports. 

Only XX/XX/XXXX, I disputed a previous late payment from XX/XX/XXXX with the credit bureaus and one main via written notice asking for a goodwill forgiveness for the late payment from XXXX. 

I believe One Main is retaliating against me for challenging /requesting a goodwill forgiveness for the XXXX XXXX  late payment and updated my credit report as late. 

Please assist with getting One Main to report my payment history accurately for XXXX XXXX  or delete this inaccurate reporting account from my credit report. 

I have tried on multiple occasions to get One Main to help with this issue and even spoke with the executive office to assist with no resolution provided as of today. 

I also have copies of my XXXX, XXXX and XX/XX/XXXX credit reports which can corroborate my informational s show that One Main reported my account as paid as agreed until XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED THRU ALL THREE CREDIT AGENCIES. I HAVE ASKED THEM TO VERIFY PAYMENT STATUS ON THE LOAN. EXPERIAN HAS FAILED TO VERIFY CORRECTLY OR AT ALL. XXXX XXXX AS WELL AND XXXX.XXXX XXXX XXXX  SENT ME A CERTIFIED LETTER TO SHOW PAYMENT STATUS. ALL PAYMENTS WERE PAYMENTS WERE MADE BY THE DUE DATE OF THE 28TH OF THE MONTH OR A FEA DAYS PAST.. THEIR OWN PAPER WORK SHOWS THE DISPUTED DATES ARENT 30DAYS AN THEY ARE REPORTING IT AS SUCH. THEY ARE IN VIOLATION OF THE FCRA AND HAVE BEEN. THEY ARE HARD TO DEAL WITH, THEY HAVE DENIED PAYMENTS TO THE ACCOUNT BECAUSE IT WAS LATE, AND TO GO IN PERSON TO A BRANCH TO GET IT FIXED OR CALL MANY TIMES. THIS COMPANY HAS BLOCKED ME FROM MAKING PAYMENTS, AND JUST TELLS ME THAT CAN REFUSE ANY PAYMENT THEY WISH. THE CAR HAS NEVER NEVER BEEN IN REPO STATUS FOR THIS NOR WAS IT TAKEN. THEY ARE RUDE AND VERY HATEFUL TO DEAL WITH. A XXXX COMPLAINT WAS FILED AS WELL. EXPERIAN AND XXXX   XXXX AND XXXX ALL HAVE REPORTED IN ACCURATE PAYMENT STATUS AND REFUSE TO GET PROOF.PROOF IS NOT A REP SITTING A COMPUTER AND SAYING YES OR NO.
Product: Bank account or service

TRANSACTIONS, NONE. I did this XX/XX/XXXX after M & T bank beat me for {$80.00} on a technicality. Despite having definitively placing my account in a no overdraft protection status. M & T has once again paid something on my account and are attempting to justify charging me nsf fees for the overdraft by claiming this as a recurring payment versus a one time payment. Which it is n't and never has been. I pay this manually based on the months that I want the service, if you notice on the account for this vendor, it 's paid on different dates of the months that I use the service. When I placed my account in a status of declining overdraft protection, M & T bank did n't tell me I needed to specify transaction types in which I wanted no overdraft protection. No overdraft means no overdraft, does n't matter the type of transaction.
Product: Credit card or prepaid card

have a paypal credit account they deactivated my paypal account I have money to use on my paypal credit account when I pay my monthly bill and since the closed my paypal account I cant use my money that's not fair that's like holding money hostage that belongs belongs ok me I feel like they should close the account and I dont owe the bill then since I cant access the money after I pay the bill
Product: Credit card or prepaid card

An identity theft/hacker named XXXX XXXX XXXX was unauthorized to access my credit card accounts She was trying to steal the order that I was trying to make a purchase from auto auction vehicles and put a different bank account on my credit card account and changed my personal information included my name, canceled my auto auction vehicles orders, and changed one of my credit cards in XXXX language status so far.
Product: Debt collection

I have a collection account being reported by  XXXX  on behalf of  XXXX   XXXX  on all three of the major bureaus. This debt is not valid. Please see the attached.
Product: Student loan

I submitted my payment of my student loans on Friday, XX/XX/XXXX, at XXXX XXXX. I submitted the sum to pay off one of the loans completely. Aidvantage takes days to process my payments. Meanwhile, theyre charging me interest on those loans, while I already submitted my payments! So now, instead of having {$0.00} balance on one of them, they charged me interest and I have to pay more to pay that one off completely. This is not fair and just scammy.
Product: Credit reporting or other personal consumer reports

I wrote a letter about unknow and unauthorized inquiries on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section XXXX ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXXXXXX XXXX breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( XXXX ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Product: Credit reporting or other personal consumer reports

I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a 1099, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these two actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have six unauthorized inquiries on my credit report by XXXX  XXXX  on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX also I have on XX/XX/XXXX XXXX XXXX unauthorized inquiry also XXXX XXXX XXXX XX/XX/XXXX I did not apply for any of these and have contacted these companies and got no farther than I am now
Product: Credit reporting or other personal consumer reports

On my credit, it says this account was charged off in XXXX and it wasn't that is very incorrect. These guys keep updating my information incorrectly. This has been going on for months and months. This is my third complaint they only reached out one time and It was just to confirm that I made a complaint, they are reporting late payment history but that is unethical to the simple fact this account was already a charge off, so how can any more payments be reported after that date? It's because they keep changing the date on my credit report and so I need this account removed permanently
Product: Checking or savings account

I opened an estate account on behalf of my mother as I am her XXXX. On XX/XX/XXXX I deposited a Wells Fargo check in to this new account at Wells Fargo for {$40000.00}. I asked the teller when these funds would be available, I was told tomorrow and given a receipt that showed the date the funds would be available as XX/XX/XXXX. Based on that information I returned to the bank the next day XX/XX/XXXX and transferred {$12000.00} in to my personal checking account and wrote several checks. 
On Sunday XX/XX/XXXX I received an email from Wells Fargo stating I had a negative balance. On Tuesday XX/XX/XXXX, 5 days after I made the deposit I received an email from Wells Fargo that my deposit was put on hold due to the amount being over {$5000.00}. 
They new the amount was over {$5000.00} when I deposited it. 
I am now at risk of overdraft fees, have possible bounced checks and I had to transfer {$10000.00} from my XXXX XXXX  account to try to avoid this. 
This is not how a bank should operate. I have called several times to discuss and they can not help me or take my funds off hold until their system decides it.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, I sent a letter to the credit bureaus requesting for them to remove all charge off accounts due to inaccurate, unverifiable information. On XXXX XXXX  I received a letter stating that these accounts were verified. However, I sent a method of verification on XXXX XXXX and received a response that did not indicate their procedural of method of verification. I also demand that they update all accounts to paying as agreed. Due to the fact that these accounts were removed and updated they violate FCRA, they are in violation of the law. 

These violations include but are not limited to : 15 USC 8 15 USC 1605 15 USC 1692 I am very frustrated because these accounts that should have been remove are impacting my life. My credit score has dropped, and I am denied of my rights.
Product: Mortgage

My mortgage company still has not fixed an issue with my taxes. The timeline is as follows : XX/XX/XXXX The ECheck issued by my mortgage company from my escrow account is dishonored by their bank, and the county returns the funds. The money is supposedly in my escrow account as I paid it at closing. 
XX/XX/XXXX The funds are returned into my escrow account XX/XX/XXXX I receive a letter informing me of the dishonored check. I reach out to my Mortgage company and they ask for a copy of that letter. I sent a copy of that letter, and they said it would be handled within 7-10 business days. 
XX/XX/XXXX I send a secure message to my mortgage company via their website. No response as of today XX/XX/XXXX XX/XX/XXXX I call my mortgage company. I am placed on hold, then the call disconnects. By the time I get through the automated system, it as after XXXX and they are closed XX/XX/XXXX I call my mortgage company again. I am told they can not help me as the department I need to speak to is closed. 

As you can see, I have attempted many times to get a resolution to this issue, but to no avail. I don't know where else to turn.