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 have violated has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX 15 U.S.C. 1681b ( a ) ( 2 ) : 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 ) Section states : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

" I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible. ''
Product: Debt collection

XX/XX/year> I was served court papers. This debt is years old and they never sent me a card so I wasn't able to log in and pay off. I called and tried and they said they do not see me in their system. I received XXXX letter for payment from a debt collector. They also want my card number and I cant supply them with XXXX as i do not have XXXX. I don't know what I am supposed to do. I don't not have any text or email with either company. this has also never hit my credit score. now i dont know what i am supposed to do with court papers. 
XXXX  XXXX XXXX id the original and first source advantage is the collector. amount shown owed is XXXX
Product: Vehicle loan or lease

On XXXX XXXX, we leased a Hyundai 2022 Tucson in XXXX  and finance it through Hyundai Finance. We moved from XXXX to XXXX  and did a buyout of the lease vehicle on XX/XX/XXXX, through XXXX XXXX XXXX. I have contacted Hyundai Finance for a vehicle title since XX/XX/XXXX. I keep being advised that the title is at the DMV and other times the finance department will tell me that title is in the mail. I have contacted dealer ship in XXXX and XXXX, and they have advised they can not be of any help. 

I have been in contact with customer service, Hyundai Corp USA, Hyundai Finance Dep. over 100 times and still have not received a title to the vehicle. 
In the middle of XXXX of XXXX, we contacted the DMV in XXXX and the title from XXXX still has Hyundai Finance as the lien holder. 
I was given certain dates to receive the title by several supervisors since XXXX of XXXX. 

XXXX XXXX XXXX XXXX has informed us that unless they receive a title, they will increase our loan interest. 
I am still unable to pay XXXX sales tax and receive at title for the vehicle. 
I am asking you all for help. 
Thank you!
Product: Credit card or prepaid card

Received a credit card statement on XX/XX/2023 for a card I do not own. Its a Milestone Mastercard. The addresses on the statement are : Genesis FS Card Services XXXX XXXX XXXX XXXX, OR XXXX and Genesis FS Card Services XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX ( XXXX ) XXXX Claims I owe {$35.00} Company want my full SS #, which I refused to give. They told me to file a complaint here.
Product: Credit reporting

I got a letter from California tax fanchise board of unpaid state taxes from 2013. I called them and explained I 'm XXXX XXXX military and have been for 22 years. I have not lived in california for 22 years. I am exempt from paying state taxes for Califronia. They admitted it was a error right away and XXXX out the debt. However, the very next day a tax lien hit my credit reports. I have submitted to all XXXX credit reporting sites. The lien is coming back paid BUT will remain on my credit until XXXX. I called the fanchise board to have this removed and was told the XXXX XXXX office wouldd have to remove it. When I called them I was told no the franchise board would be the ones to remove it. The recorders office did say its showing on their end as a error. So why is it on my credit report as a released tax lien. I need help to get this resolved and off my credit reports. Thanks in advance for the help.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally file a complaint against Mohela ( the servicer of my student loan ) regarding the failure to accurately update my credit report to reflect that all of my student loan balances have been brought to zero. Despite my efforts to resolve this matter directly with Mohela, they have refused to update the information on my credit report, which is causing significant financial hardship.

I have been diligently exercising my rights under the Fair Credit Reporting Act ( FCRA ) to dispute the inaccurate information reported by Mohela with the three major credit bureaus : XXXX, XXXX, and XXXX. I have submitted a written dispute to Mohela, which they have received. However, Mohela has failed to take the necessary steps to update my credit report to show that my student loan balances are, in fact, XXXX. 

This ongoing error is causing my reported credit debt to appear higher than it truly is, which is having a detrimental effect on my credit score and my financial well-being. As a result, I am unable to access credit at favorable terms, and I am facing unnecessary financial hardship due to the inaccuracy. 

I am requesting immediate intervention from the CFPB to compel Mohela to correct this error and update my credit report to reflect the accurate balance of XXXX. I trust that the CFPB will take prompt action to protect my rights under the FCRA and ensure that this matter is resolved as quickly as possible. 

Thank you for your attention to this urgent issue. I look forward to your immediate response and the swift resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report, I notice an account from Bank of America that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. As of today, they are still reporting negatively on my report. I also sent certified letters to the three credit bureaus, along with my incident report, asking them to verify or remove the negative report on my credit report that Bank of America is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXXXXXX XXXX  XXXX Balance : {$3800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained my consumer credit file and discovered the below mentioned agency obtained my consumer credit report on XX/XX/2019, from XXXX XXXX & XXXX, alleging a balance owed to them in the amount of {$610.00}. Since then, the below mentioned company was given three ( 3 ) notices of claim dispute, under notary presentment, to verify their permissible purposes for intrusion, fraud, and damages my credit profile and personal character. I have not received a response. 

BERLIN WHEELER , INC. is a debt collector pursuant to 15 USC1681. I am a consumer as that term is defined in 15 USC1681 seq. BERLIN WHEELER , INC, is not a creditor, and I have not applied for, neither received any services or credit with your particular entity. Therefore their intrusion in my personal credit file constitutes a willful and negligent violation of 15 USC1681 ( b ) which would also be a criminal offense ( felony ) punishable under Title 18 USC, the penalty being a fine and or two years imprisonment, and a civil liability exists within 15 USC1681n. This violation may also constitute a tort claim for identity theft.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following 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
Product: Credit card or prepaid card

Some of these dates may be off by a few days because I didn't keep exact records. I've never had a credit card company not resolve a clear fraud charge. 

Around XX/XX/2021, I was alerted about a potential fraudulent charge on my card. I checked my account and saw that unknown charge, as well as a few others. I called Barclays to report the fraud. These were unknown charges to unknown merchants. I had not made them. I had no knowledge of them. Within these charges, there was one for {$920.00} made on XX/XX/2021 to XXXX XXXX. I reported all of the charges as fraudulent. Barclays issued me a new card and said they would investigate. 

Within a week or two, I received a letter saying the investigation was complete and all the charges had been removed. When I checked my account, all the charges except the one for {$920.00} were removed. I called Barclays to inquire and they stated the charge for {$920.00} was never flagged as fraudulent. I asked them to flag it again.

A week or two after that, I checked my account and the charge was still not removed. I called Barclays again and the representative told me the charge for {$920.00} was not flagged as fraudulent. She directed me to the investigations team. 

I called the investigations team which said they would flag the charge as fraudulent and investigate it. Within a couple days, the charge was removed. 

On XX/XX/2021, I received a letter stating that the charge for {$920.00} was valid. The charge was added back to my account. It did not give any reasoning or evidence. I have currently been on hold for over an hour trying to talk to someone. In addition to this complaint, I am sending a certified letter to ask for investigation results and reporting Barclays to the FTC.
Product: Credit reporting or other personal consumer reports

I have been communicating with Transunion for years, informing them of inaccurate information ( 15 USC 1681 violations ) being reported on my consumer credit report. However, they have not been fair in reporting accurate information on my consumer report. An inaccurate bankruptcy as well as personal information, and accounts have all been reported for years on my consumer credit report.
Product: Credit reporting or other personal consumer reports

My privacy is backed by laws set up by XXXX to protect consumers. By allowing unauthorized access to my financial details, you've not only violated federal laws but also stepped on my constitutional rights, leading to unnecessary harm and stress.
Product: Payday loan, title loan, personal loan, or advance loan

I do not know who ( possible financial ) is nor have I ever done business With them or been lent any money by this agency for me to owe such debt nor do I agree with this debt on my report as I never signed anything with such agency
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to correct the reporting history on a closed account I had with BVA compass on two occassions. The company originally agreed to correct it but now has refused to correct it, with the most recent being XX/XX/XXXX. The complaint is on acct # XXXX under XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX TX XXXX. 

At issue : this was a 36 month installment account which was paid in full and on time in XXXX of XXXX. Apparently one of the instalment payments was made 10 days past the due date and a fee was charged to the account. I was never made aware of this fee or knew it needed to be paid. When I got a notification from my monitoring service this account was 60 days past due I went into investigate and found they were showing the account still open and 60 days past due. I immediately paid the fee and contacted the company to explain no one had informed of this fee and I had indeed made every installment on time and certainly prior to being 30 days or more late. If they had notified me in anyway a fee was due, I would have also paid that. They agreed on the phone to remove it. When several weeks went by and it was still showing I called again and they said they would look into it and respond. On XX/XX/XXXX I received a letter in the mail saying they would not remove the 60 day deliquency despite me never actually being late and them agreeing on a phone call with me earlier, to remove it. If any of my installment payments were 30 days or more late, I wouldn't fight this. That was not the case, however, and the delinquency needs to be removed as it was never communicated to me that there was a late fee in the history that also needed to be paid. I can not pay, what I don't know about. I did however pay what I was contractually obligated to pay over the 36 month term. Please help me get BBVA Compass to do the right thing and remove this account from all 3 bureaus showing it was ever delinquent.
Product: Credit reporting or other personal consumer reports

My Only name My Only address is what's included on this complaint and my attached ID and proof of address. 
There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.
Product: Mortgage

Navy Federal underwriters denied my mortgage application without allowing me to provide explanations, bank statements, documents showing accounts are paid in full that appear on my credit reports. The underwriter would not allow a counteroffer. After speaking with a mortgage representative I was approved for XXXX but I originally requested XXXX. We discussed lowering the amount to XXXX which they denied. Im unsure of what practices navy federal has, however they do not stand behind their mission statement. Every customer should be given the opportunity to explain their credit worthiness.
Product: Checking or savings account

Bank of America investigation resulted in accounts that i did not access ending in XXXX and i have not been insured! They closed my account without telling me why and i was a member for 6 years. Under a dba XXXX XXXX business account and a personal account was denied several personal loans and i did not receive my 3rd EIP ( Stimilus Check ) Im under Identity Theft and this information is tied to my Ex who's shifted my name all around and using my ssn in the for of a EIN number. I cant open an account anywhere
Product: Credit reporting 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 U. S. C section 602A. I have the right to privacy. 15 U. S. C 1681 section 604A section 2. It also states as a consumer reporting agency can not furnish a account without my written instructions. U. S. C 1681C ( ex5 ) 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 conviction which antedates the report by more than 7 years. U. S. C 1681-2 ( Ax1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

On XX/XX/XXXX, I received an alert that my HELOC card was trying to be used at store and that my card was being blocked. I reached out to Bank of America around XX/XX/XXXX and advised that it wasnt me who attempted the transaction. After logging into the account ; I noticed I couldnt see any of the transactions done on the card through the mobile app. Once I was able to get to my computer ; I noticed 5 other fraudulent charges that happened on my card. On XX/XX/XXXX, I spoke with an agent who said he had filed a dispute for the charges. After he did that he transferred me to the fraud department of the HELOC where I spoke to a woman who also stated that she disputed the charges. I call back the next day because I seen that the fraud alert was still attached to my account when I attempted to login. When I spoke to the rep XXXX, he advised me that he couldnt see any open or closed disputes on my account. Ive been told now around 4 times over the span of week an excuse why this bank isnt doing their job in removing the fraud block on my account and actually disputing the fraudulent charges. I have been told people will call me back and to no avail. Im at the point of wanting to get a lawyer involved for the TERRIBLE BUSINESS PRACTICES being committed by a bank that is supposed to protect me and my account against fraud. Also, havent received a notification of a new card being sent even though I sent a signed a letter with my DL and social security card attached requesting a new one. If this situation isnt rectified within the next 72 hours ; I will have no other choice but to start legal proceedings.
Product: Debt collection

This complaint is in regards to Pro-collect Inc using illegal practices to collect debt. I moved out of student housing during the Summer of 2019. When I moved into my new student housing I received a letter from my previous housing I was told that they would refund me {$340.00} from my security deposit and that I would receive a check within 90 days. 90 days past and I received no letter and I called the property and they told me they were under different management. Years later I am looking for an apartment and I was informed that I had a collections and I never received any notice from the agency nor the apartment complex. The complex was able to mail me my letter indicated the amount I was owed, so they knew my address and the collection agency should not have had an issue mailing it to me, being that my new address was on file.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX. XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a purchase of {$57.00} from XXXX XXXX XXXX at XXXX XXXX XXXX FL on XX/XX/2018. The sales representative always market their credit card when a consumer is making any purchase. I signed up for the credit card and thought there will be an approval notice sent at my mailing address. They asked for my card to make a payment of {$57.00}. Hence, I though that the payment has been made. 
In the mean time I have not received any mail, email or phone call and I don't know how an XXXX credit card looks like. However, I received a call from one of the representative in the month of XX/XX/XXXX saying that I have an outstanding amount of {$120.00} on my credit card. They made a credit report for late payment which significantly lowered my credit score. I filed a complain as I believe the terms and conditions and the policy of the credit card was not mentioned to me clearly. It was clearly a miscommunication on their part. In addition, I want an explanation as to why I have not received my XXXX card or any additional information for the card I have signed up. 
They did an investigation based on a fraudulent case and as per the investigation they can not make any change to my credit report. 
I went to the store to speak with the manager and she explained me that the situation is not in her hand. My point is if you are constantly marketing for a product why are you not taking liability for the miscommunication? It can be human error! 
I have not make any late payments in the past and I have made a payment if I knew about it. Why am I held liable for a late payment if I haven't even received the card? 
In the last conversation I had with the representative, they told me that the amount of {$57.00} is due for the month of the XX/XX/XXXX but I didn't receive any bill in the mail or email. I had to call them to know the amount due date and the amount due and made the payment on XX/XX/XXXX. The service is awful! All this company cares is people to sign up for their credit card and when it comes to providing service they are simply ignorant.