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

I recently reviewed my credit reports and noticed inconsistencies regarding the account listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is inaccurately listed with late payments that I believe to be incorrect. These inaccuracies are unfairly impacting my XXXX XXXX and my ability to obtain credit. Specifically, I would like to request details about the months marked as late payments to better understand the reporting. 

I request a breakdown of how many days I was late for each month listed as late XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Additionally, I would like a total count of how many days I was late in total over the life of the account. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report ( 15 U.S. Code 1681i ) and to ensure that credit reporting agencies maintain maximum possible accuracy of my file ( 15 U.S. Code 1681e ( b ) ). If the information can not be verified, it must be removed from my report.

This information is critical for my personal record and will help determine the accuracy of the reporting.

Additionally, I believe this situation could also potentially violate the Equal Credit Opportunity Act ( ECOA ) due to the adverse impact on my creditworthiness caused by these inaccuracies. 

I request the CFPB investigate this matter thoroughly and ensure the credit reporting agencies comply with all applicable laws. Attached are copies of the relevant credit report entries for your review. 

Thank you for your attention to this matter.
Product: Debt collection

first was XXXX XXXX XXXX i owed money to and was put in collections by then i made several hundred dollar payments on time got caught up then started receiving phone calls non stop about XXXX calls a day from them harassing me when i was XXXX day late on my next payment even when i was all caught up on past due owed. i got in financial hardship due to covid and told them but they still call all day over XXXX calls day harassing me even XXXX day late. lvnv funding took over acct and put me in collections for original amount owed and did not give me credit for all payments i made i notified them every couple weeks for mons they didn't have accurate info to get correct info they have me in collections for hundreds more then i owe i told them contact XXXX XXXX to get my payments i made update my credit report they didn't they transferred to true accord who then i emailed for months trying to tell them the issue they didn't care but they tried to settle the said for 60 percent of what they said i owed which was not the correct amount the amount they tried to settle for was more then correct amount i really owe i send true accord my proof bank statements that i paid asked them to update what i owe with proof i had then XXXX days later i asked true accord to now settle with new info i gave them wasczold they transferred acct back to lvnv funding as they didn't wants to be involved collecting on a debt that's fraud and not truly what i owe the have me in collections for hundreds more then what i owe i have sent proof i have been emailing them for months now for them to fix it yet lvnv refuses to put the correct amount i owe or do anything to help me fix the situation i admit i owe a couple hundred but the are charging me for the original amount i owed before all the payments i made and i can not get any help and im trying to fix my credit so i can get a place to live
Product: Student loan

This complaint is a follow-up complaint to my original complaint filed last year. All details around this complaint can be found under the following reference number : XXXX My Private student loans are currently serviced through Navient. Throughout this entire process I have received inaccurate information on multiple occassions. Inaccuracies have been received around the payment due, payment amount and forbearances placed on my accounts. I have consulted with Customer Service on NUMEROUS occassions and it seems that the only time I receive any progress to correct information on my account is when I file a formal complain with the CFPB, so I am moving forward with this complaint for the second time. I have provided details of my encounters below and would like your assistance with getting this resolved to ensure that my account is secure and accurate as well as to ensure that my credit score is not impacted by these inaccuracies.

I have identified the following issues with my account : 1. Forbearances placed on my account without no notification to me and without my permission. In XXXX, I requested a forbearance while trying to work with Navient to come up with an affordable payment option and I was advised that I used all of my allowed forbearance for this particular loan. I was notified that I utilized my forbearances from XXXX to XX/XX/XXXX and with this I am no longer allowed to request a forbearance. However, I did not request a forbearance at this time, and Navient should not have placed a forbearance on my account based on the actions they took to resolve my initial complaint from last XX/XX/XXXX under the following number : XXXX. From the representative I was advised that it was recorded in the system as a customer requested forbearance, and I did not put a request in for this. Due to the mistakes made by Navient employees, last year I am still being impacted. Please assist me in resolving this matter with Navient. 

2. Inaccuracies/ mis-information on my account : I am not sure what the actual amount is that I should pay at this time, as I checked my account online and the payments were showing at XXXX dollars for the months of XXXX and XXXX. When I called in to confirm my payment amounts for the month of XXXX, I was advised that it was showing at XXXX, however the agent would investigate and give me a call back in a couple of days. No one ever contacted me back. After a couple of days I checked my account online and it shows that I am now behind 60 days for over {$1000.00}. For your record I have attached a screen shot of my account taken on XX/XX/XXXX at XXXX owed for the month of XXXX 's bill date of XX/XX/XXXX. These constant inconsistencies are causing undue stress since I get different information every time that I call into the 1800 number. I am working very hard to get a handle on my student loans and have been making payments monthly and would like your assistance in getting this matter resolved.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the XXXX and Equifax data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously, although each credit bureau has not been doing what I am requesting. These fraudulent accounts are NOT MINE!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX credit companies are not complying with their own policies in a timely manner.
Product: Credit reporting or other personal consumer reports

I just received an email advising my credit score went down XXXX points. I was going thru divorce and my ex-wife used and " maxed out '' all my credit cards. I asked this to be addressed over and over again going thru the corrupt XXXX XXXX XXXX. Nothing was done. I was forced to file bankruptcy on debts I did not incur. I am trying to rebuild my credit and continuously receive what I consider harassing emails from Experian Credit Report and monitoring trying to sell me monitoring services. I'm tired of being harassed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX has listed this debt on my credit report as charged off. They have written off this debt and the debt has been paid. They are committing fraud. They have attempted to place judgement on my credit profile for additional money.
Product: Credit card or prepaid card

I have a promotional balance with my credit card that is expiring within the next two months - Ive applied XXXX in payments to pay off the promotional balance. However, US Bank is refusing to allocate the payments to the promo that is expiring. They will only allocate the payments to the remaining balance which means Ill never get this card paid off. The practice to not allow a customer to allocate a payment to a promotional balance within the last two months of the promotional period is an abusive practice as it doesnt allow the customer to pay off their promotional credit. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following XXXX XXXX account was charged off as of XX/XX/2019. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding, charged off accounts should NOT include an active payment history. Need I remind you, this also falsely manipulates the statute of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Jcpenny credit services dropped my credit limit from {$2700.00} to {$100.00} because of a {$4.00} balance that I was not aware of until it went past due. This drastically negatively effected my credit score. I recently received notice from them saying my request to increase my credit was denied because I dont have real estate loan and some other negative comments. They said my credit was pulled on XX/XX/XXXX- WE ARE IN XX/XX/XXXX- and they show my credit score is XXXX - which it is NOT! First- I did not apply for increase. XXXX report they used is 1 1/2 years old, I DO have a real estate loan on my report and lastly- my credit score is much higher than XXXX
Product: Credit reporting or other personal consumer reports

I recently receive a copy of my consumer report and noticed an unauthorized inquiry from XXXX XXXX on XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) ... 1002.142 ( b ) ( 7 ). 

I have provided my photo ID along with the other required documents.
Product: Credit card or prepaid card

The problem is aggressive ( SPAM ) hard copy promotional mail sent to my home address on a WEEKLY basis. 
This must cease and desist.
Product: Checking or savings account

They denied my dispute 4 times even with a police report and all the proof sent and then i had to open a new claim again with the police report and other proof. I sent them the updated XXXX receipt that I went and got from the XXXX store showing the new phone purchase with new XXXX and serial number as well as the correct barcode which I faxed over to bank of America XXXX department on XX/XX/year> at XXXX Eastern time. Attached is the correct receipt and should suffice at this point. They still have not issued a credit with all the proof I sent them. This is hurting my life and mental health. I have a family to feed and this money is important. I'm stranded in Texas because of this and they have done nothing but deny it and re open the case 3 times. They even closed my accounts after 17 years. Its XXXX XXXX XXXX XXXX my savings and one on my checking. Claim numbers for both are -claim # savings XXXX Claim # checking XXXX It has now been well over 90 days!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was at a car dealership today XX/XX/2019 and when they ran my credit to see if I qualified for the loan I was told that I didnt because there were some accounts in negative standing on my credit. None of those negative accounts belong to me. I have reason to believe that these accounts were opened by either my dad or uncle since they both have the same name as me. I never allowed anyone to open these accounts using my personal information and I have already filed a police report. I did not benefit anything from these accounts that were opened in my name nor did I make any payments or purchases with any of these accounts.
Product: Checking or savings account

Suspicious activity showed up on my account. I contacted the bank and reported the activity. I made them aware of the activity that was not mine. They stated they caught the charges and reversed them. A couple days later my account was displaying overdraft and was clses due to over draft charges. I have reached out and contacted them in regards to the XXXX but to no avail.
Product: Money transfer, virtual currency, or money service

I have used CashApp for over a decade. Ive never had an issue with the business until recently. On XX/XX/XXXX, I helped create my XXXX  XXXX  an account so that I can send money directly to the XXXX. Because my XXXX  is a XXXX, I had to become the XXXX XXXX On XX/XX/XXXX, I seen the notice that my account had been closed due to gambling or other activity that goes against our Terms of Service. I reached out on multiple occasions to multiple people on the Support team trying to get an understanding of how I violated terms of service. I even asked for the activity on my account to even consider the violation. The only recent activity I have on my CashApp account is from XXXX, which those transactions are within 3 days. Each of those transactions are less than {$1.00} for the simple fact that I had XXXX XXXX  on my XXXX XXXX, I only had to pay out-of-pocket the difference, which in my case was only the tax. 

After going back and forth with the Support team, they kept responding that I violated terms of service but would not provide me details of any activity that would have supported their claim.
Product: Credit reporting or other personal consumer reports

Credit companies are reporting inaccurate information on my account about missed payments/inquiries. 
Credit companies are not complying with their own policies in a timely manner.
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. 

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: Student loan

I contact XXXX XXXX on XX/XX/XXXX regarding my teacher cancellation form. The company then emailed me back stated, XXXX XXXX XXXX University transferred their accounts to UNISA as of XX/XX/XXXX and that my teacher cancellation forms were supposedly transferred along. However as of today that has not happened because the school in question has since been reporting negatively and stated they never received the forms.
Product: Credit reporting or other personal consumer reports

Ive contact capital one auto finance regarding vehicle loan that is showing under my name without my authorization. 

I wrote to them to dispute the fraudulent activity that has been conducted under my name regarding a vehicle purchase. I did not purchase the vehicle in question, and I am a victim of identity theft due to serval data breach that has taken place serval times now. Ive taken step to monitor my personal information but to my avail this still has taken place. Please remove for this is preventing me from make any large purchases such as buying a house or new car. 

The vehicle information is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have never entered into any agreement with your company or signed any documents related to this vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified   XXXX   about some inquiries that were not authorized by me. I wrote a letter to them stating this and I never received any follow op informations regarding their actions. I also called them and they did nothing to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

- Contacted the creditor on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX concerning the medical collections of my credit reports.

- Creditor responded that the information was accurate and valid per FDCPA.

- However, the No Surprises Act requires healthcare providers to give a good faith estimate of medical expenses for individuals whose insurance didnt cover their care.

- Debt collection agencies are not supposed to report information about medical debts covered by the No Surprises Act. Doing so violates my rights under the Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Inquiries are to be removed they do not belong to me delete these inquiries from my account XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion are damaging my credit with false information. Even though I have detailed the situation to them two times, they have chosen to ignore me. 

In 2015 I had a limousine service. One of my drivers wanted to own his own vehicle. I guaranteed a loan for him from XXXX. Months later, without my permission or knowledge, the driver turned the vehicle back to XXXX, and XXXX accepted it without my signature even though I had an economic interest in it. The first I heard about the situation was when XXXX sent me a letter demanding payment for the loss they incurred in resale of the vehicle. I was never given the opportunity to possess the vehicle and take over the loan obligation. Had XXXX advised me of the situation, I would have simply added the vehicle to my fleet, leased it to another driver and continued making the loan payments. 

Nevertheless, the credit reports from these three companies state that I defaulted on the loan to XXXX, thus substantially damaging me. Obviously, these companies have not acceptably investigated or considered the matter. Please help me!
Product: Credit reporting or other personal consumer reports

There was a fraudulent attempt to take out a consumer loan under my name. A Hard inquiry was reported on my credit report on XXXX for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Calling the number listed was of no help. I looked up and contacted the address above and explained the fraudulent activity. I explained that there was a hard inquiry on my credit report and an attempt by an identity thief to open an account or take a loan out under my name. I explained how I was going to report this information and dispute the hard inquiry and was trying to gather more information for the report. I was told that they couldn't help and I would need to dispute the inquiry with the credit bureaus. 
XXXX said they didn't have any information to provide because the fraudulent attempt was unsuccessful in establishing a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a wrongful public records on my account from fraud. I just disputed this item with Equifax a couple of months ago through the CFPB. Equifax responded that the item was deleted and updated. The item is still showing up on my credit report so they lied.
Product: Vehicle loan or lease

I have a lease on a 2020 Mercedes Benz. My lease expires in 90 days. However, on XX/XX/XXXX I filed a formal concern with Mercedes Benz because my ABS light was on and the sensors were not working. My brakes did not stop as normal. I was on my way to the service department in XXXX XXXX, Florida when I stopped suddenly and tapped the back of another car. ( No injuries or damages to the other car ) My car suffered a dent to the grill. I let Mercedes Benz XXXX XXXX XXXX know of the incident and asked them to do a diagnostic on my brake system. XXXX XXXX XXXX informed me that I would have to deal with Mercedes Benz Corporation. I have had almost XXXX weeks of back and forth and XXXX assistance. I was provided an XXXX service XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX has not been in contact with me via phone. I received a short email twice. I am still paying my car payment on time. However, my car is still sitting at the XXXX XXXX XXXX XXXX Department. No one is helping me fix my car. No updates, no return call, nothing. The MB Coral Gables Service Person ( XXXX ) informed me to call XXXX XXXX. I have email and called. He is completely ignoring my situation. No service. I can not even collect my car from XXXX XXXX XXXX. Yet, I am still paying the lease payment. I need assistance with this situation.