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

For CreditKarma.com they have offered/advertised numerous credit cards with a 90 % or higher chance of getting approved and after applying resulting in a hard inquiry on my credit report I was declined. My logging.emailed address for their site is XXXX. 

As a result to this day, I am still trying to repair my credit report as the hard inquiries are still showing up and I'm unable to get approved for a auto loan or personal loan and have had financial troubles with my credit in general after using credit karma 's advice. The last last
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNIT XXXX XXXX GA XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX XXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearty states that 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 acsount without my written instructions.

15 U.S.C 16668 : A creditor may not treat a payment on a credit card account under an open-end consumer eredit plan as late for any purpose. 
Remove these late payment and upcate this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

Experian reported misinformation to XXXX XXXX XXXX XXXX  on XX/XX/23. that is inaccurate and contradicts information that Experian has provided me through their website. Experian reports my credit score to be XXXX on their official website, but had reported a score of XXXX to the lender
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX  which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report and saw Hard Inquiries that I did not approve or authorize to report to my credit I advised the credit bureaus and the creditor of this matter and they call me a lier I would like these hard Inquiries removed from my credit I sent letters and No one did any investigation XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX XXXX are not responding to my requests to investigate, verify and provide me with the documents with the original signatures for the numerous fraudulent, unauthorized inquiries that are reporting on my consumer credit reports/files.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX through the end of XXXX XXXX, Equifax 's computer systems were compromised by hackers, who were able to access the most sensitive personal financial data from 143 million Americans, over 58 % of the adult population. While at this point, the impact is unclear, potential financial hacking with incalculable damage to is possible against any and all 143 million individuals for years to come. 

I am deeply concerned about this, and am contacting the CFPB to ask for official hearings and regulations be set up to impartially investigate the breach, force Equifax executives to account for their negligence before, during and after the breach, and most importantly, to set up much stricter laws for future data security for all Credit Reporting companies. This data is the equivalent of our personal health information, yet why is there no equivalent of HIPAA? It is unconscionable at this point in history that such lax oversight and unaccountability is allowed for Equifax and other such agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX  account # XXXX, Has violate my rights 15 u.s.c 1681 Section 602 A, Say I have the right to privacy. 15 u.s.c 1681Section 604 A Section 2 It also all states As XXXX reporting agency can not Furnish a account Without myWriting instructions
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report & noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Checking or savings account

I filed my XXXX  taxes last year and the funds were deposited in to my bank account at citizens Bank at XXXX XXXX XXXX and they immediately froze my account and refused to release my funds even after I submitted my tax transcripts from the IRS they're saying that it's a scam and that they don't think that it's legit. I don't know what else to do.
Product: Credit card or prepaid card

My account was closed without notifying me and when I tried calling no one could give me details as to why. Ive asked multiple times to speak with a supervisor and I was denied that by every representative I spoke to on the phone. Before I noticed my account was closed, they made be order a new debit card and I did. Two days later I tried to use the temporary debit card they had gave me on the app and it declined for unusual activity. Thats when I contacted customer service but I was told my account was closed and they couldnt provide me details.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding the inaccurate, misleading, and unverifiable information reported on my credit file by the credit bureaus, creditors, and collection agencies. Despite multiple attempts to dispute these inaccuracies, my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) have been consistently violated. The information being reported is both inaccurate and a violation of my consumer rights, as outlined below. I have made several attempts to address the inaccuracies on my credit report through disputes with the credit bureaus, creditors, and collection agencies. Despite these efforts, they have failed to comply with their legal obligations under the FCRA, 15 U.S.C. 1681s-2, which requires that all information furnished must be accurate and verifiable. Additionally, they have failed to provide sufficient evidence to validate the debts or correct the discrepancies. 
XXXX  XXXX : Discrepancies in credit limits between bureaus. 

Failure to properly update status post-dispute. 

XXXX XXXX XXXX Marked as Paid Derogatory and Collection/Chargeoff. Inconsistent reporting across bureaus. 

Settled accounts inaccurately labeled as active debts. 

XXXX XXXX : False reporting of past-due balances. 

Charged Off status inaccurately listed without validation. 

XXXX XXXX XXXX  : Inconsistent Last Activity dates between TransUnion and XXXX. 

Chargeoff listed with no supporting evidence of verification. 

Name Discrepancy : Reporting XXXX XXXX and XXXX XXXX. This is incorrect and misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company Shellpoint Servicing has reported over 90 days delinquent in mortgage payments on my credit report despite approving me for a forbearance and then a deferment under the CARES Act as a result of the COVID-19 pandemic. I was initially approved for a forbearance for XXXX - XXXX. In XXXX, I made two payments which were refunded as the file had not been updated to reflect the end of my forbearance. I was then approved to defer the missed payments to the end of the loan. I have never been late on any mortgage payments and as a result of these delinquencies in my report, It has cause adverse impact on my credit. I have reached out to the company and the matter has been referred to their credit department. I have been denied for a loan due to the delinquencies showing on my credit report and need it corrected as soon as possible.
Product: Credit reporting or other personal consumer reports

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


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXXXXXX, 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 supposed to modify accounts that aren't reporting correctly.

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

Please know that I was not late on XXXX  XXXX XXXX I wonder why XXXX, Experian and XXXX report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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

15 USC 1681C ( a ) BANKRUPTCY INFOMRATION IS EXCLUDED FROM MY CREDIT FILES 15 USC 1681 C-2 PROHIBITS YOUR COMPANY TO BLOCK IDENIEIED FRAUD ACCOUNTS FROM MY CREDIT FILE PLEASE. 

Your company responded to a previous complaint that you are reinvestigating the accounts. 
you did not properly reinvestigate the account. There is no bankruptcy attached to me.
Product: Money transfer, virtual currency, or money service

A wire transfer was done to XXXX through Regions, however, XXXX called XXXX later that A/c was fraudulent due to a scammed email of incorrect wire tranfer info., to go put a stopment at Regions. ; which was requested the same day. However, Regions Bank was not aware ob how to deal with the issue with XXXX XXXX, causing tgem to close the case, after XXXX weeks.
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 : XXXXXXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 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 XXXX 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/2022 I talk to this company about a account that I did not consent to and I wanted the company to delete my information under the California Privacy Act I was denied my rights I also was denied the information I was asking for pertaining to the account number is # XXXX which was created from XXXX cell phone company and they sent it collections a company called Convergent. I talked with a supervisor by the name of XXXX XXXX from Convergent and she told me that they do not have to send me the documents Im asking for which would be billing statements phone usages and a sign agreement and for information to be removed I was denied this from the company.
Product: Money transfer, virtual currency, or money service

I had a citizens account that was inactive for around 2 months and they closed it without notice. As I wasn't aware of the account closure I sent myself a quick pay on XX/XX/year> from my chase account ending in XXXX to that account in the amount of {$40.00}. I got right away a bounce back that it was canceled but with out a reason, so I tried again and it went through. Now when I tried logging in to my citizens account I saw that it was closed due to inactivity and I have no way to access those funds. I reached out to chase and they told me that the zelle was processed on their end and the receiving bank accepted it so I need to call citizens. As I called them and filed a XXXX complaint with them, they told me that they can't return it, without XXXX asking them to do so. So here I am.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX XXXX and I have always made my payments on time. I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX  Equifax, XXXX and XXXX XXXX with no successful resolution. XXXX Equifax, and XXXX  reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.
Product: Money transfer, virtual currency, or money service

I received a text message at XXXX XXXX from the phone number ( XXXX ) XXXX : " Chase Alerts : Did you attempt to send a wire transfer for the amount of {$4500.00} Reply XXXX or XXXX. STOP to end. '' I received a phone call that my caller ID labeled as Chase ( XXXX ) XXXX. The caller identified himself as a member of JP Morgan Chase 's wire fraud team. He asked me if I authorized any wire transfers or if I knew anyone by the name of XXXX XXXX. I replied I did not. I was then guided through my online account to submit what he referred to as wire transfer reversals. My husband verified that they were calling from actual chase bank numbers. We trusted them. I submitted two wire transfers one for {$12000.00} to XXXX XXXX and the second for {$9100.00} to XXXX XXXX. They had me enter my name into the return account so I assumed it would be returned to me. 

When I realized this wasn't right it was to late. The wire transfers were completed. My banking institution told me I was likely not going to get these funds returned. They filed a claim but told me that they were going to deny it since I was the one that made the transactions. Even though I was fraudulently led to believe it was my bank and their information was indeed compromised as well. 

So I am filing this with hopes that corrections can be made and I can get my money back.
Product: Mortgage

I got a loan modifications in XXXX. I was a victim of a predatory lenders in XXXX. I got a loan modifications with Carrington mortgage and because I was in a pickle and was eager to save my home I didn't realize how they were robbing me. My original loan was amortized at 424 months Carrington changed it to 337 months. They want a balloon payment in XXXX. They added {$4700.00} and my payment went from {$590.00} to {$580.00}. They claimed they wrote off {$290.00}. In the a part of the terms of the modification it states that any increase in the amortization period can result in a balloon payment. Item b States that there was XXXX   amount deferred so please tell me why a balloon payment? They have transferred my loan to XXXX who is another predatory lender and they are looming for a prepayment and a balloon payment. I don't see why. They are predators and continue robbing consumers. Please advise if I need a lawyer.
Product: Student loan

Many students, including myself, were misled by Navient into securing predatory private loans to fund education at for-profit online institutions, such as university of XXXX XXXX I attended from XXXX to XXXX with an original principal loan amount of {$6500.00}. Despite having paid hundreds of dollars towards these loans, my current balance stands at {$7400.00} due to an exorbitant interest rate, which currently is 12.5 %. 

Notably, XXXX  XXXX XXXX and their parent company, XXXX, were subject to investigations by various state attorneys general and found to have engaged in deceptive practices. In response to widespread allegations of fraud and misconduct by XXXX  XXXX XXXX, the XXXX administration recently announced a comprehensive loan discharge for students enrolled at these institutions from XX/XX/XXXX, to XX/XX/XXXX. This led to the discharge of my federal loans totaling XXXX  XXXX and the restoration of my credit. 

Navient, which was sued by the attorneys general of XXXX states for its role in facilitating these predatory loans, had a specific arrangement with for-profit schools during the early XXXX, making it a " preferred '' lender. Despite this, the settlement terms provided by Navient were considerably inadequate, excluding many borrowers who took loans for attendance at approximately XXXX for-profit online schools, unless they resided in certain states or had not defaulted for at least seven months during a specified period. 

The only period during which I managed to reduce the principal amount was during the pandemic, when interest rates were temporarily lowered to between 0.5 % and 1 %. However, once the regular interest rates resumed, my balance skyrocketed again. This financial strain, coupled with the emotional stress and damage to personal relationships, has been overwhelming. 

Moreover, Navient exited the federal student loan servicing business amidst legislative and advocacy scrutiny, following allegations of steering borrowers away from income-driven repayment plans towards forbearance, an action for which they had to provide restitution. 

Navient has also faced multiple lawsuits for other predatory lending and illegal collection practices. Currently, Navient is distributing " applications '' to select students who may qualify for Borrower Defense claims against their schools. However, this process feels unnecessary and opaque, as Navient is already aware of the affected students.

Under the FTC 's " Holder Rule, '' Navient is accountable for these predatory loans issued in association with for-profit online schools. As time is critical, XXXX XXXX XXXX has urged Navients XXXX to immediately discharge these loans. It is crucial for Navient to take responsible action now by discharging all such predatory private loans associated with for-profit online education.
Product: Credit reporting or other personal consumer reports

Capital One Im writing to exercise my right to opt out of the sharing of my nonpublic personal information with non-affiliated third parties, as granted by the Gramm-Leach-Bliley Act ( GLBA ). Specifically, I request that you do not share my personal information, including my credit card numbers, account balances, and transaction history, with any non-affiliated third parties, including marketing companies or credit reporting agencies. 

I also dispute any inaccuracies in my credit report and request a copy of my credit score and the method used to calculate it. 

Please be aware that the consumer reporting agency is a non-affiliated party and therefore I request that you remove my personal information from their records immediately, account number ( XXXX ) Failure to do so will result in legal action taken against your company. 

I expect a written confirmation of my opt-out request and a correction of any inaccuracies in my credit report within 30 days, as required by the GLBA
Product: Checking or savings account

I filed a claim at Bank of America about the fraud of my checking account that some of transactions from XXXX. XXXX to XXXX. XXXX XXXX, total amount is : USDXXXX and they denied it. The reason they denied my claim is because they told me this claim was over a year and there's nothing they can do. 
The reason I filed a claim on XX/XX/XXXX is because my bank account had been frozen from XX/XX/XXXX to XX/XX/XXXX. And I faxed the court document and police report case number to the number they provide me to support my case. 
During this whole time from XXXX XXXX, XXXX -- -- XX/XX/XXXX, I was not able to access into my bank account on line banking or get any info from financial branch. 
As long as my bank account was unfrozen on XXXX. XXXX, the weird thing is that I could tell that the fraud happened from XXXX. XXXX, XXXX -- -XX/XX/XXXX, XXXX which was during the time my BOA bank account was supposed to be frozen. So now Im confused how this was happened, while my bank account was frozen? Even I, myself was not able to access into my own bank account. I can not imagine who was able to access into my bank account while it's frozen except the people who's working in BOA. I wan na an explanation from BOA but they just ignore my request. And denied my claim without any explanations.