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

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

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

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

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

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

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

1681e ( b ), credit reporting agencies are required " to follow reasonable procedures to assure maximum possible accuracy. This account was charged off. I am requesting the accuracy of the reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account # 's ( listed below ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX
Product: Debt collection

I previously reported the loan servicing for not doing what theyre supposed to do on my credit report however, they want to claim that the debt or balance is still there. However, these loans have been discharged. There is no more debt or balance to be owed and XXXX XXXX keeps fraudulently reporting. They need to fix this issue or they will be litigation. This is not going to continue and I will not continue to be financially harms by XXXX XXXX for them not doing what theyre supposed to do.
Product: Debt collection

I was the victim of identity theft wherein someone took out {$460.00} of debt with XXXX XXXX XXXX in my name. It was evidently sold off to Credence Resource Management LLC. They never once contacted me to verify my identity on the debt, never sent me a letter, etc. Instead this company sent this debt into collections and reported it to the credit reporting bureaus. My credit score has dropped XXXX points as a result of Credence aiding and abetting this fraud against me.
Product: Mortgage

They claim to be part of the Make homes affordable act. Basically we thought we had modification pleaded with nation star mortgage and we sent {$1500.00} XXXX. In a cashiers check from XXXX XXXX XXXX XXXX. We did not hear back from one XXXX XXXX in there XXXX California. So we called the XXXX XXXX Police Department the officer went over and his assessment of it was people moving in and out of the office and we tried to stop payment on the cashiers check with no help from XXXX XXXX XXXX XXXX. And since that didnt happen and we had a police report nation star. Nation star mortgage declined our modification our house with put up for auction on XX/XX/XXXX .We filed a Chapter XXXX bankruptcy to stop it. Then on XX/XX/XXXX it went up for auction again we filed our own chapter XXXX and stop the auction they had to go and get the house back. Then on XX/XX/XXXX another auction pro se bankruptcy XXXX had to go back and get the house back again. We have had some life events loss of job, XXXX, identity theft, XXXX XXXX, XXXX  XXXX, and now the house goes up for auction again in two days. I know its late in the game. I so wish that you could help me. All I want is to get my house back I have {$150000.00} of equity and nation star mortgage has depleted my escrow by paying three separate homeowners policies at the same time and they keep charging me for their legal bills and appraisals at my house. I get so much fishing mail emails that its hard to contain plus Im flooded with mail coming to my house. Ive also included photographs dot loop investigation of identity theft and fraud where XXXX XXXX wants to know what I want this is all part of my life events fraudulent activity in a venture I took in real estate to help me pay for my house cars etc.
Product: Checking or savings account

On XX/XX/XXXX, I attempted to use TD Bank 's ACH transfer option to transfer funds to an external account. After attempting to transfer said funds, I discovered an error message on TD Bank 's online platform stating the following : Your account is locked. To complete your request, call Customer Support at XXXX. 

I contacted the bank on XX/XX/XXXX. The customer service agent was not able to tell me why external ACH transfers had been blocked. He also wasn't able to guarantee that the functionality would be restored. 

I was told that he filled out some paperwork and it was given to a " back office ''. He also stated that the " back office '' may or may not approve the aforementioned paperwork. Everything was extremely vague and left to interpretation. 

He said to wait a week. After a week 's time had passed, the company may decide to restore functionality on a whim. Since it was seemingly arbitrary, and the decision was left to an enigmatic algorithm shrouded in mystery straight out of a XXXX XXXX style novel, he couldn't tell me what would happen. 

If the algorithm decided to say " no '', then we simply couldn't use the feature ever again. No explanation would be provided. No email or message was sent out when the service was initially suspended either. 

No consideration was given to my own personal needs either. This is a business account, and removing the ACH function causes us great problems. We need the service for transferring funds to other accounts many times throughout the month. We have done it many times throughout the years without any problems. I have been a customer of the bank for years without issue. 

A week has passed, and we still can't use the service. It is still locked. I'm asking for CBFP 's assistance because the bank isn't helping us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive Been trying to resolve the multiple duplicate negative student loan accounts on my credit report. The credit bureaus are neglecting to verify my account properly. If they can not verify or determine which ones are duplicate or original. I am requesting that all be deleted.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I wrote XXXX, Transunion and XXXX about certain items on my reports. To this date, I have NOT received any updated reports from either of the bureaus.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I received a call from audio call stating to call another number, because my cash card was blocked and to unblock it I needed to call this number XXXX, I called from another phone a person answer and hung up. I feel like the caller had some type of scam attempting to some way take money from cash app. The original number was XXXX. This may be the way people are getting ripped off in the cash app. I checked my cash app it was fine ...
Product: Mortgage

On XXXX XXXX, XXXX I sent an affidavit of hardship letter via email to mortgage servicer, Select Portfolio Servicing , Inc. and although I received an acknowledgement from SPS, I was told they had not received my affidavit. I had mentioned my XXXX in my XXXX/XXXX/XXXX letter. I believe this is the reason they claimed to not to have received my email. I realize that I was probably too detailed as to what happened, but I was trying to let them know just how close to XXXX I was. I finally sent SPS another letter dated XXXX/XXXX/XXXX and did not mention the XXXX and they accepted that letter. 

We are now trying to send in another Request for Modification Application ( RMA ). I mentioned the XXXX again without all the details except for that I thought that SPS was the reason because I have not been able to work since XXXX of XXXX. I feel like that this is a good reason for financial hardship. I mentioned it again and am sending a copy to the Consumer Financial Protection Bureau so that they can be a witness of my letter and that I did receive an acknowledgement from SPS. I do not expect a response from SPS I just need a witness to the correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called TransUnion as well as sent letters asking them to remove all unauthorized inquiry from my credit report. Which then they turn around and send a letter pretty much saying they wont remove them. Which I know by law that, that isnt true they have to remove any unauthorized inquiry.
Product: Credit reporting or other personal consumer reports

Several insurance, financial services companies, an XXXX management company, and an electricity company have pulled my credit without authorization. I have not applied to these companies for electricity services, insurance or credit cards. Isn't this against the law in protecting my personal information? 

Date Company Request Originator Description XX/XX/XXXX DISCOVER FINANCIAL SERVICES Promotional Inquiry XX/XX/XXXX DISCOVER FINANCIAL SERVICES Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX DISCOVER FINANCIAL Promotional Inquiry XXXX XXXX, XXXX DISCOVER FINANCIAL Promotional Inquiry XXXX XXXX, XXXX DISCOVER FINANCIAL SERVICES Promotional Inquiry XX/XX/XXXX DISCOVER FINANCIAL SERVICES Promotional Inquiry XX/XX/XXXX DISCOVER FINANCIAL Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX DISCOVER FINANCIAL SERVICES Promotional Inquir XX/XX/XXXX DISCOVER FINANCIAL SERVICES Promotional Inquiry XX/XX/XXXX DISCOVER FINANCIAL SERVICES Promotional Inquiry XX/XX/XXXX DISCOVER FINANCIAL Promotional Inquiry XX/XX/XXXX DISCOVER FINANCIAL SERVICES Promotional Inquiry XX/XX/XXXX DISCOVER FINANCIAL SERVICES Promotional Inquiry XX/XX/XXXX DISCOVER FINANCIAL SERVICES Promotional Inquiry XX/XX/XXXX DISCOVER FINANCIAL Promotional Inquiry XX/XX/XXXX DISCOVER FINANCIAL Promotional Inquiry XX/XX/XXXX DISCOVER FINANCIAL Promotional Inquiry Name Requested On 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: Student loan

On XX/XX/XXXX, I called Navient to discuss by payoff and to negotiate pay off amount due to my high interest of 16 % on one of my loans with Navient and 10 % on another loan with Navient. I was transferred 4 times and I was finally told they would only allow a discount of {$200.00} of my total due because I was not in default and that was all they could help me with. Unfortunately, due to my financial circumstances, I can no longer pay my monthly payment of {$420.00} and with this outrageous interest I can not just stop paying. On previous phone calls I had with them, I tried to ask for a lower repayment plan but according to them with my annual gross of less than {$25000.00}, {$420.00} was the least they could lower my monthly payment. I have tried other avenues, such as refinancing with another student loan company with a lower interest rate, however due to my financial situation no one is willing to refinance my loans. I tried calling Navient again the same day and when i wouldnt take " NO '' for an answer I was finally transferred to a person that was willing to take down my financial information to submit for review to his supervisor. They informed me that I would receive a response within 1 week. I have called every week in XXXX for an update and they said my information was still under review. I called again today, XX/XX/XXXX and I was told the supervisor that was going to review my information was on vacation and it was unknown when she would be returning. I feel like I am being given the run around. I am in distress financially and I have been up to date with my payments and when I ask for help, I should expect help when I have been a good paying customer. 
{$200.00} does not help me payoff my loans. I have done everything in my power to pay off my loans and work with Navient to do so, but they have not shown me their urgency to help me while my interest just keeps adding up while they are on vacation. I think they should at least transfer my information to another supervisor to review and give me an answer quickly not making me wait for a month for an answer and having me try to figure out how to make my next payment. Navient is not urgent in taking care of these matter quickly. Instead they give people the run around hoping they will just give up or pay up.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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: Student loan

My wages are still being garnished and loan status is in default status from attending the failed for profit XXXX XXXX XXXX. Under the terms of the latest settlement, XXXX must stop collecting on all outstanding loans and discharge all of them, the CFPB said.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following Item ( s ) to be INACCURATE 1. INACCURATELY REPORTING XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 2. INACCURATELY REPORTING XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 3. INACCURATELY REPORTING XXXXXXXX XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 4. INACCURATELY REPORTING XXXXXXXX XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 5. INACCURATELY REPORTING XXXX XXXX XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 6. INACCURATELY REPORTING XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 7. INACCURATELY REPORTING XXXXXXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 8. INACCURATELY REPORTING XXXX XXXX XXXX VERIFY ACCURACY WITH XXXX CREDITOR 9. INACCURATELY REPORTING XXXX XXXXXXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 10. INACCURATELY REPORTING XXXX XXXXXXXX XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 11. INACCURATELY REPORTING XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 12. INACCURATELY REPORTING XXXX XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 13. INACCURATELY REPORTING XXXX XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 14. INACCURATELY REPORTING XXXX XXXX XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 15. INACCURATELY REPORTING XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 16. INACCURATELY REPORTING XXXX XXXX XXXX XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 17. INACCURATELY REPORTING XXXX XXXX XXXX 18. VERIFY ACCURACY WITH ORINGINAL CREDITOR INACCURATELY REPORTING XXXX XXXX  VERIFY ACCURACY WITH ORINGINAL CREDITOR 19. INACCURATELY REPORTING XXXX XXXX XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 20. INACCURATELY REPORTING XXXX XXXX XXXX XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 21. INACCURATELY REPORTING XXXX XXXXXXXX XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 22. INACCURATELY REPORTING XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 23. INACCURATELY REPORTING XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 24. INACCURATELY REPORTING XXXX XXXX  VERIFY ACCURACY WITH ORINGINAL CREDITOR By the provisions of the Fair Credit Reporting Act, I demand that these ALLEGED Items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I also request that you please send notices of corrections to anyone who has received my credit report in the past six months. 


Sincerely, XXXX : XXXX Without prejudice Without Recourse
Product: Checking or savings account

On Tuesday XX/XX/XXXX I requested a stop payment be put on a Marchant ( XXXX XXXX ). I spoke with an authorative figure from my financial institution Simple.com about this and one other matter. I was very adamant in my query if any further debits from this merchant would post to my account and they were very adamant in their response that their would not be.

I asked this because I know traditionally ACH blocks and some other blocks only effect subscription type transactions and specific amounts.

I've had a horrible experience with simple.com s customer service over the past 3-6 months. Their customer base has grown but they don't seem to have done much to improve customer service when it comes to what actual authorative figures customers are able to speak with, among other things. 

This is also not the first bad experience I've had with simple.com I had asked repeatedly if a previous dispute could be updated with a additional debit and got nothing but double talk.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$22000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX 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 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX  a account that has been closed and paid in full for over a year was reported on my credit as delinquent The car was paid in full XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration regarding the numerous unsuccessful attempts I have made to correct the issue of late opening of accounts. It has come to my attention that despite multiple efforts on my part, the problem persists, and I feel compelled to bring this matter to your attention for prompt resolution. 

I initiated the process to open an account with your institution. However, due to unforeseen circumstances, the account opening process was delayed, and I was assured that the matter would be rectified promptly. 

Subsequently, I made a follow-up call to your customer service to inquire about the status of my account opening. Despite providing the necessary information and completing all required steps, the issue persisted. 

I have made several attempts to correct the late opening of my account, seeking assistance from your customer service representatives. Unfortunately, each attempt has been met with assurances but no concrete resolution. 
I am disheartened by the lack of progress in resolving this matter. The delayed opening of my account is causing considerable inconvenience, affecting my financial planning and overall experience with your institution. 
Requested Actions : I urgently request the immediate activation of my account to ensure that I can access the services and benefits associated with it without further delay. 
Investigation I implore your team to conduct a thorough investigation into the root cause of the repeated delays in opening my account. Identifying and addressing the underlying issues is crucial to preventing similar problems for other customers. 
Communication I expect clear and timely communication regarding the steps being taken to expedite the account opening process and the expected timeline for resolution. 
Compensation Given the inconvenience and frustration caused by the delayed account opening, I request fair compensation for the time and effort expended in attempting to resolve this matter. 
I trust that you will treat this matter with the urgency and seriousness it deserves. As a prospective customer, my experience with the account opening process significantly influences my perception of your institution. I am asking for your assistance to correct these late open accounts in my credit file : 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, credit repair services, or other personal consumer reports

The latest credit report I checked still shows that this account is being reported incompletely and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.