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

I asked the credit bureaus to conduct an investigation on the XXXX XXXX XXXX XXXX Credit Card account XXXX on XX/XX/XXXX ( see attached letters and certified receipts ). Each of the three bureaus conducted the investigation and reported that the information was updated and accurate. I then conducted further research on their investigation and I found further inaccuracies. For instance, after their investigation, XXXX states that this account was over 120 days late on XX/XX/XXXX, NO DATA for XX/XX/XXXX and XX/XX/XXXX, with Charge-Offs for each month from XX/XX/XXXX to XX/XX/XXXX. TransUnion, on the other hand, illustrates more than 120 days late on XX/XX/XXXXXXXX  with Charge-Offs for each month from XX/XX/XXXXXXXX  to XX/XX/XXXX. Finally, XXXX states that this account is 150 days late on XX/XX/XXXXXXXX  and has NO DATA for XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX  with a single Charge-Off for XX/XX/XXXXXXXX  ( see attached investigation files ). The three credit bureaus did not conduct a proper investigation. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  account number XXXX has violated my rights. 

15 USC 1681 section 602 ( A ) states that I have the right to privacy.

Furthermore, 15 USC 1681 section 604 ( A ) section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Bank account or service

sometime the end of XXXX Bank of America closed my ATM card and sent a new XXXX which I activated. The new card that was activated keeps being declined even thou I have the funds. Calling them, after being on hold for someone the phone hangs up. I cant spend the entire day calling I have to work. My card was declined XXXX XXXX and again XXXX XXXX. On the XXXX a text was sent to me asking if I tried to make the purchase and I responded yes. They have my card lock so I cant use it anywhere. On XXXX XXXX I made an online payment for my electric which I checked and that amount was taken out. A few days later it was put back only to be taken out again on the XXXX. When I checked my account on the XXXX of XXXX and saw I had extra money in there I paid other bills. I did n't realize they put back the amount I paid on the XXXX, this made XXXX transactions overdraft, this is how they make money confuse people thinking they have money by putting back payment that was taken out and pulling it back out a few days later. These fees should have been refunded and the bank needs to stop playing games. Other people in my family say the same thing, they make online payment, see its out of there account then a day or so later is put back into the account and taken back out XXXX to five days later. These XXXX fees needs to be refunded since its their fault for putting money back into my account, after I 'm thinking its out and then waiting 5 days later to pull it out again. My ATM card needs to be active so I can use, and not have every purchase declined.
Product: Checking or savings account

An unauthorized transaction in the amount of {$500.00} was performed on my checking account that I DID NOT approve. This happened on either XX/XX/XXXX or the XXXX 2024. The bank clearly ignored the fact I was already overdrawn and allowed this amount to be sent to a closed credit card account, again without my knowledge or approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am getting very frustrated in regards to my dealing with the stated companies. I have stated my truth about alleged accounts that are being furnished on my consumer report and i feel as though these companies have not done their due diligence in investigating the matter and have failed to give me proper documentation on why and how they came to there conclusion. i believe i have my rights as a consumer and i will like for those rights to be respected by the companies who pledge to respect them.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I found this ic collection while monitoring my credit. In XXXX  this collection was removed by XXXX. Now again it shows up on my report. I called the collection agency to ask them over a month ago for a debt collection verification letter after asking them why once it was removed did they place same collection on my report. They stated they sent out a letter however I asked address and it wasnt mine!! This address wasnt on my credit report and I asked for another to be sent to my correct address and they have not sent anything amd collection remains on my report!!
Product: Credit reporting or other personal consumer reports

The XXXX main credit bureau are reporting inaccurate information on my credit report. 
Please see attached files below.
Product: Credit card

I had an overdue account for several months. However, in XXXX 2016, I paid my account in full. ( XXXX balance ) I talked to a customer service representative to get the payoff amount and I was given and paid that amount and told my account was current. On XXXX XXXX, 2016, I was told that current meant XXXX balance, but not necessarily active. Several weeks later, I attempted to use my card for the first time in 2016 and it did not work. Upon checking, there unpaid interest charges that were added after I was told the payoff amount. The agent refunded the charges but told me that my account was restricted and I would have to wait three weeks to be contacted about unrestricted offer. I was contacted today and told that my unrestricted offer was denied because their agent told me my account was current but never told me the account was active. However, they did not tell me it was restricted. As a result, I have an open account, zero balance, but an unusable line of credit. When I asked about getting it unrestricted, I was asked two personal questions 1 ) why did you account go unpaid for a few months 2 ) what do you need your card for. 

After I responded -1 ) financial difficulties 2 ) necessary purchase which I can not make with my bank debit card I was told that I did not meet the criteria. I asked why and the agent said - we can not disclose our criteria. Another option is to wait to maybe, not guaranteed, receive a mail offer to unrestrict where there is no criteria. 

I asked repeatedly for an explanation why? no answer. I feel I should get a reason.
Product: Student loan

XXXX XXXX, A.K.A. Navient, purposefully denied receipt of written correspondence that specifically requests for help. 

In XXXX, I was able to work as a loan underwriter for several months. I learned how interest rates and the number of loan periods can affect the total finance costs of a loan. I realized that forbearance and interest only payment plans do not add help to the overall financial health of the borrower. 

Normally, when I ask XXXX XXXX, A.K.A. Navient, for help, there are a couple of standard responses that include forbearance & interest only payments. This help would temporarily allow me to survive the next couple of months, however, forbearance & interest only payments actually make my situation much worse as these temporary situations will come to an end and I will be left with a larger economic deficit. The idea is that after a couple of months, my financial situation would magically change and Id be able to afford payments. However, this is highly improbable to occur. The end effect is not help but distress. 

I currently owe about {$200000.00} in student loan debt and given the magnitude of this long term liability, I will need more than the average increase in income to survive than say someone with {$30000.00} in student loan debt. I realized this during XXXX of XXXX and decided to reach out to XXXX XXXX ( Navient ) and ask for a real, permanent solution to my financial situation. 

On XX/XX/XXXX, XXXX, I sent a successful fax to XXXX XXXX at XXXX, see FAX pg 1 PDF through FAX pg 5 PDF, which requested interest rate hardship status. I provided a graph of my economic situation and mentioned previous conversations with XXXX XXXX regarding solutions that were offered to me for help. I also asked that XXXX XXXX stop compounding interest. This would stop additional interest accruing on interest. I provided financial information to prove that I had negative capacity to pay my liabilities. 

After I submitted the fax, I called XXXX XXXX ( Navient ) about week later and they denied receiving the communication. The XXXX XXXX, A.K.A. Navient, representative sounded a bit suspicious, as if she didnt want to admit that such a letter even existed. I later checked online to see if any received documents were uploaded. To my dismay, my fax was not found. The fax cover, see FAX pg 1 PDF, proves that the fax was successfully received with the marker OK. At the time, I was scared of XXXX XXXX ( Navient ) and didnt push the letter. 

My question to Navient, A.K.A. XXXX XXXX, is as follows : Why did XXXX XXXX ( Navient ) deny receipt of my letter when it was clearly received? What reasons would there be to deny borrowers acknowledgement of their written communications?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accounts referenced in my consumer credit report, which have arisen due to data breaches or fraud. I kindly request verifiable evidence containing my signature or electronic signature. This letter represents my personal request, and I urge careful consideration. These actions were undertaken without proper validation or original documentation from the reporting companies, constituting a violation of my consumer rights under the Fair Credit Reporting Act, specifically Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ].
Product: Debt collection

Lnv funding sold account to XXXX XXXX XXXX XXXX XXXX XXXX. Took legal action and served me with judgement. In XX/XX/2017 served XXXX XXXX and took {$1200.00} out of my account. They still took action and took my daughters account at the XXXX XXXX XXXX XXXX without serving me paper work till after it was taken out a week later then the bank. The still after multiple phone calls and nasty attitude they had went after a judgement while I was employed with dairy farmers of America and where taking XXXX every two week for four months. They have received more then the amount requested. Legal action is next step with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and Im trying to apply for a job at XXXX and they are telling me that my social security is incorrect that it belong to somebody else which is not true I can confirm that the social security number provided belong to me thank you
Product: Mortgage

I am requesting the following documents, electronically stored information, or objects, certified copies, or samples of materials related to Loan No. XXXX originated by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX, MN XXXX Dated XX/XX/XXXX. A full reconveyance and deed of release was then acquired by XXXX XXXX XXXX, Arizona ( formerly the XXXX XXXX XXXX   XXXX Arizona ), dated XX/XX/XXXX, XXXX XXXX, Arizona on the XXXX day of XX/XX/XXXX, Docket / Records number XXXX. These records should appear on all 3 credit reporting agencies. 

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

All negative and non beneficial marks on my credit report are illegal so all of the negatives on my report should be removed I shouldn't have to give examples you know all of the negatives because you are the company conveying my personal information without my consent according to USC 15 1681 B take them down in a timely manner or I will pursue legally
Product: Credit card or prepaid card

I first reached out on XX/XX/XXXX, about three fraud transactions that were made back to back totaling in the amount of XXXX. I was assured by American Express the transactions would be suspended effective immediately, and I would not be liable to pay for charges. 

XX/XX/XXXX, XXXX, and XXXX I reached back out to the company to check in for any updates being that I had not received any correspondence. I spoke to over ten representatives mis-transferring my calls and giving incorrect information each time and me continuing to answer the same questions I had initially provided them. Not one member was able to resolve my fraud claim or actually input my claim in the system, fraud claim never being filed. 

The card is cancelled and affecting/impacting my credit significantly. I need for American Express to rectify this as I have waited 30 days and been very patient. 

Dates of transactions XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX all from the same merchant.
Product: Debt collection

I came to an agreement with the collection company on settling my debt. After receiving an offer letter and fully paid letter from the collection company, I still have not received any communication from the original debtor, which in this case is XXXX. It has been over 2 months since the debt was " settled ''.
Product: Mortgage

My current servicer, faye servicing, has not provided me with my annual escrow statement. I am in an active chapter XXXX bankruptcy. My lender has an authorization on file from my attorney to speak to me about all aspects of My loan. Despite being in an active chapter XXXX, I get a call from a representative requesting me to make a payment on the loan every month. I do make my payment every month, however, as there is currently no penalty, I make it towards the end of the month. When the person called me this month called for payment, they mentioned that the amount was {$2600.00}. My PITI is {$2000.00} so I was very surprised to hear this. The associate mentioned that there was an escrow analysis done in XXXX and I had a shortage. This does not make sense to me as my taxes have decreased every year since Hurricane XXXX, as my home had been damaged by the storm. My flood insurance increased by {$300.00} annually. This does not warrant a {$6000.00} annual increase. I am demanding an out of cycle escrow analysis and also to be sent a copy of this. I am requesting any reserve requirement to be removed. While I understand that RESPA allows lenders to collect a reserve of 16.667 % in NY, I also know that if I request it to be removed, it must be. If there is a shortage, I am requesting that shortage to be spread over 60 months interest free, also allowed by RESPA. I am also requesting a payment history from when Faye acquired my loan until today, as I need to verify how they have been applying my payments. On top of this, I had completed a HAMP modification in XXXX 2011. As part of this I am supposed to receive an annual incentive applied to my prinicipal I the anniversary of my modification for the first 5 years of the modification.. Last year I had to ask for them to do this, otherwise I believe they would have kept the money for themselves. 
Please note that in no way am I experiencing a hard ship or requesting any financial assistance and do not want my payment dispute to be confused in any way. I simply need to ensure that this lender adheres to all requirements of a lender and provide me with the documentation that they are supposed to. I also do not want a XXXX Line generic response, as they provided in response to my last complaint. Or a rude response as my so called account manager XXXX ( sp? ) has provided. I look forward to hearing back. I can be reached at XXXX.
Product: Payday loan, title loan, or personal loan

On or about XX/XX/2012 a " third party '' my grandmother was contacted by Western Shamrock Loans disclosing to a " third party '' I had a loan causing me embarrassment they called her twice attempting to contact me I thereafter contacted Western Shamrock Loans and advised them I am currently unemployed was " laid off '' and can not afford it and seeking legal advice as this was unexpected circumstances, I immediately advised the Manager of the XXXX Mo office to Cease co tact under U.S Civil code 1692 section C and I will be mailing them a copy. The very next day Western Shamrock mailed certified mail to my address which a third party signed for this is excessive and abusive behavior from Western Shamrock and should be investigated.
Product: Debt collection

MY EX DAUGHTER IN LAW OPENED A AUTO ACCOUNT IN MY NAME AT PNC BANK WITHOUT MY PERMISSION! IVE CONTACTED PNC BANK SEVERAL TIMES AND SHOWN THEM POLICE REPORTS AND FTC REPORTS AND A COPY OF A SERVED WARRANT FOR THE CRIME AGAINST MY NAME. THE ADDRESS THEY HAD UNDER THIS ACCOUNT OPENED IN MY NAME WAS FRAUD AND THEY EVEN REMOVED THE ADDRESS AS FRAUD ADDRESS, BUT NOT THE ACCOUNT. WHEN THE ACCOUNT WAS OPENED I WAS IN XXXX XXXX XXXX IN XXXX FROM A XXXX XXXX  AND CAN BE VERIFIED WITH MY DOCTORS! SO HOW CAN I BE AT THE DEALERSHIP AND IN XXXX AT THE SAME TIME. XXXX XXXX XXXX WAS XXXX  AND XXXX  AND XXXX XXXX   OF THE XXXX  AND NOW IS XXXX  XXXX XXXX. I WANT THIS REMOVED OR I WILL FILED A LAW SUIT AGAINST PNC AND THE DEALERSHIP FOR ALLOWING THIS TO HAPPEN.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Online Complaint Submission Subject : Notification of Data Breach by Credit Bureaus and Submission of FTC Report Dear CFPB Team, I am writing to formally notify your office of a data breach involving the major credit bureaus, which has compromised my personal information. Enclosed with this letter is a copy of my Federal Trade Commission ( FTC ) report, which details the breach and its impact on my financial security. Additionally, included is my 3 Bureau Report. 

The breach constitutes a violation under U.S. Code 1561, which mandates the safeguarding of consumer data by entities handling sensitive personal information. This breach has not only disrupted my financial stability but also raised serious concerns regarding the handling of personal data by these institutions. 

I request the CFPBs intervention to ensure the responsible parties are held accountable and that steps are taken to prevent such breaches in the future. I also urge your assistance in helping me mitigate the impact of this incident on my credit and financial well-being. 

Thank you for your attention to this critical matter. Please feel free to contact me at XXXX, should you need additional information. 

Sincerely, XXXX XXXX Enclosure : FTC Report and XXXX Report
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 (a) (1) (A) and 611 (a) (1) (A). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report:
XXXX XXXX XXXX Balance: $0.00
Product: Debt collection

I keep on getting calls from XXXX XXXX I dont have anything in collections and they keep on calling me.
Product: Credit reporting or other personal consumer reports

It has come to my attention that this bankruptcy is not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. It states that the XXXX bankruptcy court is the furnisher, but I asked the bankruptcy court do they report data to any data furnisher and they replied they dont. If they dont furnish any data to you guys then there is no way that they are the data furnisher instead its actually you that are the actual furnisher and this account is reporting inaccurately. Therefore XXXX Bankruptcy XXXX Chapter XXXX bankruptcy XXXX Reference # : XXXX XXXX XXXX XXXX XXXX Reference # : XXXX XXXX XXXX XXXX XXXXI XXXX Bankruptcy XXXX XXXX Reference # : XXXX
Product: Student loan

Started repayment XX/XX/2018. 

XXXX-18 ACH Withdrawl Payment of {$170.00} made. 

XXXX-18 credit via Direct Deposit to my checking account XXXX for {$170.00} Complaint is Navient is returning my monthly payment for no reason and with no explanation. They are not notifying me why they refunded a valid payment without my knowledge. 

Violating my FCRA rights and banking law by doing this.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX, XXXX and Equifax have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I have asked XXXX, Equifax and XXXX to reinvestigate these accounts on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, for incorrect reporting on my credit. I have also requested for XXXX, Equifax and XXXX to remove these account : XXXX XXXX from my account due to inaccurate information. However, they have stated everything was completed and accurate. But how is this possible if these account still remain on my credit report. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that are not reporting accurate information.

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

15U.S.C 1681 section 602A section 2 : States consumer reporting agency can not furnish an account without my written consent.

15U.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.

15U.S.C 1681c ( 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. 

XXXX, XXXX and Equifax have failed to send me an update on the dispute I submitted. I called XXXX, XXXX, and Equifax and they have declined to send me a letter providing me an update of my dispute. When I asked them what information did they request from the creditors I am disputing on my credit, XXXX response was we just go base on what the creditors send us and when I asked what the creditors sent them to confirm that account was opened by me they simply say they provide general account information, not pertaining to my dispute. When I called XXXX they provided general information on what they do on a dispute which was not helpful. Equifax have also refused to send me the letter of the status of my dispute.
Product: Checking or savings account

Opened the account and was told that a normal rate would be around 2.9 % after a filed rate exception went through, was told this would likely not be a problem on XX/XX/XXXX Received a statement a month later and the rate exception did not ever come through the interest rate remained extremely low. 

Contacted the bank and was told there is nothing they can do " the exemption was denied '', they do not offer a comparable service at this point nor will there be any recourse for " lost '' interest. 

- '' lost interest '' is important here as I was told that rate exceptions would be retroactively applied to the date the account was opened at the relevant rate. they were not and will not be I do not believe this is the fault of the individual bankers as they did attempt to contact me prior to the statement being issued.