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

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to the bureaus for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent admininistration proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX XXXX complies with federal law and provides consumers with the necessary proof of investigationXXXX XXXX has violated so many federal laws. I am requesting my money reissued and reimbursed and sent to my new address at XXXXXXXX XXXX XXXX XXXX XXXXXXXX SC XXXX ; My former address was XXXX XXXX XXXX XXXX XXXX SC XXXX when i utilized XXXX XXXX XXXXXXXX never received my settlement funds and am requesting a reissue of my settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed late payments with my mortgage company. 

They sent me a letter which does not constitute validation of the payment history. 

I was on a repayment plan which provided a different amount then my and different due dates. 

The credit report verifies payments received in XXXX reported by XXXX. 

In XXXX I submitted a application for forbearance and never received a response from the company other than the confirmation email. 

I have provided copies of my credit reports showing the discrepancies between the bureaus which is been verified/certified as accurate by information provider XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously reached out to the collection agency to get verification of a debt they have been reporting. After numerous attempts I have received no notice of investigation or updates for the account. The original creditor doesnt have any knowledge of said account so Ive been stuck with dealing strictly with the collection agency with no luck. I have attached the email stating that they have indeed received communication from me but have just failed to respond for months. This account falsely reporting is hindering me from major life advances and I would like this matter to be handled as soon as possible!
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
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

I received approval for a {$5000.00} line of credit through XXXX XXXX. There was a promotion going for the space of year as far as repayment and finance charges. Less than 30 days after the end of the Promo term I called and attempted to pay the debt in full but the finance charge had almost doubled my total. I explained That I was late by less than the 30 days Due to COVID related disruption to my income and requested to have the finance charge removed. I spoke to representative and sent several messages. My payments have been consistent and yet the lender is refusing to acknowledge my dispute. I am still attempting to pay but the monthly payment requirements have also doubled. I am unsure how to proceed and feel that their practices are extremely unethical especially given the current crisis.
Product: Student loan

Per previous complaint with CFPB ( Case number XXXX ), Aidadvantage, my loan service provider, gave me a written explanation that due to XXXX application processing being on hold that I would be placed in an non interest accruing forbearance and no payment would be due. I contacted XXXX on XX/XX/XXXX when I saw my account had not been updated to reflect no payment was due. Customer service assured no payment was due in XXXX and that I was in forbearance with no interest until my XXXX was processed. Furthermore, I was told that Studentaid.gov/Department of Education was doing these updates automatically. My account for reasons unknown to them was having to be done manually. I received notice today that XXXX payment was delinquent. I have written proof that I submitted XXXX. I have written proof where the loan should be on hold. I also have provided documentation to Aidadvantage that I'm not receiving my salary as I'm on XXXX XXXX. I receive no taxable income.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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
Product: Credit card

Discover credit card shows 2 late payments when however there was no late payment and its wrong.

I called them a couple of months ago, and they were rude and no help.by the Fair Credit Reporting - Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit my purpose Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

shopping around to buy newer car XX/XX/XXXX and XX/XX/XXXX and brought one. shopping around in XX/XX/XXXXand XX/XX/XXXXfor a newer car for my daughter and co-signed for one. .every time credit was credit for better rates i got one hard hit inquiry so i have around 20 hard hit inquiry on my credit report. according to cfpb for an auto loan and you authorize five lenders to check your credit score ( s ) within a 14 day time span. All those inquiries should count as one inquiry. your credit score ( s ) that took place within a time span ranging from 14 days to 45 days will only count as a single inquiry,
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to follow up any response from you after 30 days of investigation. As I reviewed my Credit Report I have noticed that there are still items that are reporting as inaccurate and incomplete information. Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of the disputed information within 30 days. I am seeking your assistance in the verification of the disputed data from my credit report. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When l checked my XXXX credit report, l noticed that there is a hard inquiry made by CHASE CARD on XX/XX/2018 which l have no idea about it.
Product: Student loan

I reached XXXX payments in late XXXX. I called MOHELA in XX/XX/XXXX and was told my loans were sent to the Department of Education and I would need to wait 90 days for my loans to be forgiven. In XX/XX/XXXX, I called MOHELA again because my loans hadnt been forgiven. I spoke to a supervisor, XXXX, who claimed she manually added me to the direct to discharge list and I should have my loans forgiven in 90 days - at maximum by XX/XX/XXXX. XX/XX/XXXX came and went and my loans were not forgiven. I called MOHELA again in XXXX and the person I spoke with said there is no manual direct to discharge list and I just had to keep waiting. At this point Ive been waiting almost a year for my loans to be forgiven and can not get a straight answer as to why I still have loans when Ive met all the PSLF requirements.
Product: Checking or savings account

I submitted several claims for a company that was pulling money from and they keep denying them. Not because they received information from the company but because I was funding my account, and because they were giving the companies my card information after I changed my card number and put a stop payment on the account. I even advised them that I tried to contact the merchant as they advise you to do before filing a claim and they used that information against me.
Product: Credit card

I have a credit card account with Navy Federal, I open this account XX/XX/XXXX. I opened the account because i was referred by a friend. When I tried to sign into my account to make my payment, they told me that I didnt have access to my account because I was not apart of XXXX. I let them know that I was referred, they told me that, since I was not directly in XXXX the locked the account. I told them my credit card was still working, and I just wanted to have access to my account so that I could make a payment and see whats going on with the account, charges and all that. I did not want to make payments blindly, not knowing the charges on my account, or if fraud or anything was going on and I didnt know. They would not give me access. I have called several times asking for access to my account so that I can know the charges on my account and to make payments. They have not given me access. I do not think its right to be restricted out of my account and expected to make payments, not know what Im paying for and the only way i can make a payment is calling customer service. My account is still open with Navy Federal, but they have locked me out, but still charging me late fees and etc, but not allowing me see whats going on with account. this negatively effecting my credit now. My account is now 90 past due, again i want to pay what I owe, but I would like to have access to my account to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX. Several years ago the card information was stolen and used for fraud. Account number XXXX I filled out the forms for fraud with XXXX and they agreed to remove the balance from my file and change the status to current. They have not done this. I have disputed this information with all three bureaus and it remains.
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 name : XXXX XXXX # XXXX 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 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: Debt collection

On XX/XX/22 I received a letter from Portfolio recovery is attempting to collect a debt {$470.00} that they purchased from XXXX XXXX XXXX for pennies on the dollar, that neither company would validate and sold. I had it removed off my consumer report then Portfolio recovery bought the debt and placed it back on my consumer report with out my knowledge. Now they are contacting me at my private address that I gave them no permission to do so. I do not have any contract with them nor have they validated the debt, they just sent me a copy of some paper statement that can be printed out. They have the debt listed as collection/charge off on my consumer report which is illegal since they did not charge it off or have a contract with me. I have contacted them and ask to stop reporting this debt and discontinue reporting any trying to collect this debt. They ignored me and said they validated it which I know they did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was nothing to explain further. I have been sending letters to XXXX   for months now and I have repeated myself over and over again. The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED FROM MY CREDIT REPORT XXXX XXXX ( this account is being reported multiple times! ), XXXX/XXXX XXXX, XXXX XXXX ( account reported twice ), XXXX ( Original  Creditor : XXXX XXXX XXXX ) XXXX, Chapter XXXX Bankruptcy XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent in error, I, XXXX XXXX am a consumer by law and my Information was misused and now I have some false not 100 % accurate accounts on my consumer report. Unauthorized use of my credit report.
Product: Checking or savings account

On XX/XX/2023 I called bank of America customer service about my digital debit card not showing up in the phone app the employee asked me if I had ordered a reissued card after which I said no, I then questioned the employee about the unauthorized reissued card and she faked not hearing me and hung up I then visited a branch and raised up the same issue and did not get any response the tellers name is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Help Needed to Correct Credit Reporting Errors Dear Sir/Madam , I am writing to request your assistance in resolving inaccuracies on my credit file. Despite my attempts to address the issue with the credit bureaus, I have not received a response or seen any correction of the incorrect information. 

On XX/XX/2023, I notified the credit credit bureaus experian, XXXX, and XXXX about multiple errors regarding my name and address. Unfortunately, the credit bureaus have not taken any action to rectify these mistakes. This situation is concerning as it hinders my access to credit and violates my consumer rights. 

I kindly ask for your intervention to investigate my case and ensure compliance with relevant laws and regulations, such as the Fair Credit Reporting Act ( FCRA ). Specifically, I request that the credit bureaus delete the erroneous information and retain only accurate details. 

My only name Is XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NY XXXX Any address or name different the state above should be delete immediately from my credit file. 

I appreciate your prompt attention and support in resolving this matter. 

Thank you for your assistance in protecting consumer rights. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act US BKPT CT XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, U.S. Bankruptcy Court # 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
Product: Debt collection

XXXX XXXX sent me to collections and put a negative mark on my credit report for XXXX XXXX that I didn't authorize to be placed in my name and it's at a residence I don't even live at, I have called the company and told them I didn't authorize any services and I was unaware of services in my name as I don't live at the residence it's associated with
Product: Credit card

In summary, I initially applied for a Chase Business preferred card with a spending limit of {$15000.00} to qualify for a generous XXXX welcome bonus. Shortly after, Chase revised the offer, reducing the spending requirement to {$8000.00} within the first 90 days. I reached out to Chase via secure message, requesting a reduction in my spending limit to align with the revised terms, which they approved. 

However, a hiccup arose when a merchant I intended to spend approximately {$200.00} with experienced payment processing issues, resulting in a delayed charge that fell just beyond the 90-day window. Despite my efforts to rectify this with Chase, requesting an exception to include this charge in my spending total, I encountered resistance. Although initially assured that the charge would be accommodated and that I would receive the full XXXX welcome points, this never materialized. 

Despite numerous calls and opened cases with the bank, my requests were repeatedly declined. Each time I sought escalation, I was met with the same response that I had failed to meet the {$15000.00} spending threshold.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a letter in the mail from XXXX XXXX XXXX for a credit card from XXXX XXXX XXXX in my name for XXXX but I don't own a credit card.
Product: Debt collection

I am not liable for this debt with XXXX XXXX. I do not have a contract with Portfolio Recovery Associates , LLC. They did not provide me with the original contract as I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with CreditKarma to keep track of my credit and accounts. In mid XX/XX/XXXX ( around XX/XX/XXXX as best I can tell ) my account was compromised and the person who accessed it changed the email and password associated with it. Despite the account being tied to my name, social security number, and info I no longer have access to it. CreditKarma not only did not provide the adequate protection of my account and data, they did not even notify me that my information had changed so I had no idea it had been compromised. 

I noticed this in mid-XX/XX/XXXX and reached out to CreditKarma for help. Despite multiple attempts to reach their support team and even tweeting at them I have yet to hear a response. Meanwhile fradulent checking accounts and credit cards have been opened in my name. 

CreditKarma has been irresponsible in their handling of my data and their ability to resolve this issue in a timely manner.
Product: Credit reporting or other personal consumer reports

Due to the absence of the REINVESTIGATION process from the credit bureaus end, I insist on a quick deletion of those derogatory items from my records. I kept reaching out to these companies for a couple of months this year XXXX, because of these numerous inconsistencies they have furnished on my credit report. 

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 reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notice of Violation of the Cardholder Agreement Greetings, I have recently viewed my credit report and I noticed something strange as it pertains to what you are reporting to the XXXX major credit bureaus. Upon signing up and accepting the terms of the credit card associated with this account, it is written in the agreement that all disputes should be handled via arbitration. Unfortunately, there has been no filing or initiation of arbitration from either party. This is a material breach of the arbitration agreement we had. To add to that, you continued in those efforts and sold this debt to a third-party debt collector after having charged it off. 

I am certain you were able to communicate the details of your dispute before deciding to breach the contract. It can be safely assumed that you were willfully neglectful in your duties to uphold the agreement set forth by this company. 

This letter is a humble attempt at seeking to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : XXXX. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; XXXX. A settlement agreement that I may retain for my records.

3. Monetary compensation in the amount of {$1000.00}.

While I do not desire or anticipate that your negligence may force me to pursue further legal action, that option will be explored. If that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 

Sincerely, XXXX XXXX Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I was told that my complaint was not effeciant enough with out supporting documents I am re submitting this claim because I now have supporting documents I am submitting this complaint with a FTC IDENTITY THEFT REPORT the following account is a result of my identity being stolen and it should be removed from my credit report immediately Account Name : XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX XXXX XXXX