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

Recently I did and investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, has Violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights 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. 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? Consumers have certain rights and protections under the FCRA to ensure that their credit reports are accurate and that their personal information is used appropriately. As well as the procedures for disputing and correcting errors on your credit report.
Product: Prepaid card

I have an American Express Serve card. ( Prepaid ) On XX/XX/XXXX at XXXX XXXX  I loaded {$400.00} cash in {$20.00} bills at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Utah XXXX 

I used the Amex Serve app that is connected to the card and added money using the barcode that appears when I chose XXXX as the retailer location. 

The transaction went through and I got XXXX transaction receipt and a XXXX receipt showing the activation or approval for the prepaid reload. 

I also got the XXXX mgr to provide proof that the transaction wasn't voided. I have that printed out as well. 

I called Amex at XXXX XXXX times at least. I spoke with their XXXX dept where they kept telling me to call back later and to wait for the transaction to post. Even though its advertised to post immediately. They could not find any transaction reloads for XX/XX/XXXX. They said they could not open a dispute without some type of record. I finally got them to open a dispute and gave me an email of XXXX to send them receipts. But all the emails were undeliverable. I called back to make sure I got the right email but the rep stated that there wasn't a dispute open for that card. The call then dropped. I didn't get a call back so I called back again,. the rep stated that the last rep did create a dispute and gave me a dispute number. I can provide that if needed. But, each rep seemed to be putting me off. I asked about the receipts and they stated I would receive an email from them with directions on how to upload the receipts. I still have not recieved an email from them. 

On the XXXX I also called XXXX Customer service and spoke with a manager or someone from their accounting or financial dept that stated that they could not help unless it was a XXXX prepaid card, and even if we filed a dispute they would just send an inquiry to the XXXX XXXX card. 

As of today XX/XX/XXXX at XXXX I still have not recieved the funds in my XXXX  account or received the email from Amex XXXX  about the dispute and how to upload info. I feel like neither company is wanting to address this and that I will not get the money deposited to my account. 

I have loaded several times from XXXX and the money shows up immediately so I know the Serve app works and I feel like this is an issue on the XXXX side primarily, but, I can't be sure.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX : Account Number : XXXX 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

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

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Dept of Education Account name : XXXX XXXX XXXX name : Dept of EdXXXX XXXX 15 U.S.C 1681 section 602 A. States U 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

My credit report is showing late payments on XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history or better yet, DELETE the whole account from my report. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Product: Mortgage

My loan was sold by XXXX to Caliber. I called in to make arrangements. XXXX/XXXX/15 I made the arrangement with a representative who told me I would be sent a letter to agree to and sign to get the deal going ... .I never recieved a letter to sign, however I did recieve a letter XXXX the wrong dates and amounts I had agreed to. the letter said the money was due on XXXX XXXX or I would be in default and the amount due is incorrect ... .. 
In the meantime my wife is handling all the business of the loan, altho the loan is in my name, I sent a letter of authorization on XXXX XXXX, 2015, They have not uploaded it as of yet and they refuse to speak to my ; wife, I was unavailable to give them verbal authorization and was sure of the fact that I had sent the authorization and they would speak to her. they told me that the letter of authorization was there but has n't been uploaded yet so they wo n't speak to her, allowing us to clear up the situation ... the letter threatens me with default if the money is n't in on XXXX. XXXX, but that was not our agreement ... ... .I will be penalized because of the inefficency of the company that holds my loan.
Product: Credit reporting or other personal consumer reports

Around XX/XX/XXXX I received a letter from TD Retail Card Services dated XX/XX/XXXX thanking me for submitting an application to open an account with the XXXX XXXX XXXX. The letter went on to say that they could not open the account and that TD Retail Card Services had obtained my credit score from XXXX. This was a fraudulent application and I had a fraud alert on my account which required TD Retail Card Services to contact me prior to obtaining my credit score. I contacted TD Retail Card Services the day after receiving the letter and informed them of the fraudulent activity. TD Retail Card Services said they would remove the credit inquiry from my XXXX credit report and mailed me a letter dated XX/XX/XXXX stating that they had requested XXXX to remove the credit inquiry that was generated XX/XX/XXXX. I recently pulled up my XXXX credit report and was surprised to see that the TD Retail Card Services credit inquiry ( dated XX/XX/XXXX ) was still on my credit report. I called TD Retail Card Services on XX/XX/XXXX to see why they didn't remove the credit inquiry as stated in their XX/XX/XXXX letter and spoke to a XXXX ( XXXX ). XXXX stated that she could do absolutely nothing for me, couldn't even look at the letters that TD Retail Card Services sent to me and only offered that I should dispute the credit inquiry with XXXX. I explained that XXXX would only remove a credit inquiry when requested by the company that reported the inquiry and XXXX had no response. I've enclosed copies of all referenced letters and a screen shot of my credit report showing the inquiry still present.
Product: Checking or savings account

On XX/XX/XXXX I notified Navy Federal that an unauthorized XXXX DEBIT Transaction in the amount of {$1000.00} appeared on my Account. 
On XX/XX/XXXX, I was directed to contact ( XXXX @ XXXX on XXXX ). XXXX forwarded me to talk with ( XXXX @ Navy Federal Credit Union ) to resolve the fraudulent transaction. 
I have explained to Navy Federal that the the last Loan payment made to XXXX was on XX/XX/XXXX. The Loan account has since been closed/paid in full with XXXX XXXX XX/XX/XXXX. I also have told XXXX XXXX that I did not initiate the XXXX DEBIT transaction.
Product: Credit reporting or other personal consumer reports

I am writing to dispute three unauthorized hard inquiries on my Experian credit report. The inquiries were from : XXXX on XX/XX/year> University of Hawaii on XX/XX/year> XXXX  on XX/XX/year> I did not authorize or consent to any credit applications or transactions with these entities that would warrant a hard inquiry on these dates. I have contacted each of the companies to request a removal of the inquiries, but I have not received a satisfactory resolution. These inquiries have negatively impacted my credit score, and I am requesting that the Consumer Financial Protection Bureau assist in addressing this matter and facilitate the removal of these unauthorized inquiries from my credit report. I have contacted Experian and they have not validated or given me any proof of my authorization. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

My credit report is showing an unauthorized inquiry from XXXX XXXX XXXX XXXX, this UNAUTHORIZED inquiry has affected my credit profile and is affecting me from using my credit. Under the FCRA, specifically 15 U.S Code 1681 ( n ) I am entitled to protection against any unauthorized use of my personal information including inquiries into my credit report without my explicit permission. Pursuant to 15 USC 1681 section 602 states I have a right to privacy this inquiry needs to be removed immediately.
Product: Debt collection

My debt was being handled by one debt collection agency CAPIO PARTNERS between XX/XX/2024 - XXXX XXXX that reported my debt to the Credit Bureau. My Credit had then took a hit and decreased in points. According to XXXX XXXX if my collection was to be removed which it was removed sometime between XX/XX/2024 - XX/XX/2024, I was supposed to receive a XXXX point credit of points to my credit and I did not receive that. Now today at approximately XXXX XXXX I received a phone call from ( XXXX ) XXXX another debt collecting agency that was trying to collect the same debt, I asked if they were going to submit the debt to collections and they stated they have not sent it out yet. I also advised them to send me a letter or email so that I may verify the debt, the debt collecting agency refused to do so, they did ask for my name and number I did give them my name and number. I did tell them that I wanted to get legal representation as the debt collector did seem aggressive in tone. I do not want that debt collection agency with the number ( XXXX ) XXXX to submit my debt to the XXXX XXXX XXXX again and loose double the amount of points and ultimately have my credit go down further. 
I am not sure if debt collectors can report the same debt twice even if it was posted to collections already once by another debt collecting agency and it was removed by that collecting agency without receiving points credited and then having the new debt collecting agency trying to submit my debt to collections again and removing points off my credit. Ultimately loosing double the amount of points and having the same collection posted twice by two different debt collecting companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX hard credit inquiries on the same day by the same company
Product: Student loan

During the years XX/XX/XXXX-XXXX I applied for and received student loans served by XXXX XXXX and later turned over to XXXX and still later to Navient in the amount of {$5700.00} ( total ) in order to take classes at our local XXXX college while navigating single motherhood and working part-time. I made regular, scheduled payments on these loans as required until XX/XX/XXXX. 

In XX/XX/XXXX I registered for XXXX XXXX XXXX based on their advertised program accreditation and their claims to a high percentage of graduates placed in well-paying jobs. I took a student loan in XX/XX/XXXX for {$10000.00} for tuition at XXXX XXXX XXXX The loans were processed with a series of payments and adjustments which were confusing and impenetrable. On XX/XX/XXXX there was a disbursement of {$10000.00}, followed 8 days later by a payment of {$4500.00} ; on the same day there was a disbursement of {$13000.00}, and an adjustment of {$7800.00}. As of XX/XX/XXXX the total amount with interest that I owe is {$24000.00}. 

I continued to work toward a degree through the XXXX XXXX XXXX, make loan payments, work full-time, and raise a child on my own until XX/XX/XXXX XX/XX/XXXX when I lost my job as the XXXX XXXX  XXXXXXXX at a local non-profit. During this time Navient took over the processing of my loan, and I began to receive threatening documents from Navient saying they would garnish my wages and seize my bank account, but that I could easily cancel these draconian actions by deferring payments. Over the course of the next few years, whenever the deferment period was ending, I would receive emails from Navient stating that to continue to defer the loan, I could just click reply and type the work YES. There were never any suggestions of loan modifications or alternate ways to pay down/off my loan. 

During the recession that followed, I continued to struggle for employment and under the debt load which had fallen on me during this time, so I continued to accept the periodic easy deferments offered by Navient. I was forced to declare bankruptcy in early XX/XX/XXXX. I originally sought to declare bankruptcy in XX/XX/XXXX, but it took me many years to save enough money to cover the lawyer and filing fees. 

Almost fifteen years on, I have no degree from the fraudulent XXXX XXXX XXXX and a student loan load of some {$25000.00} - despite years of payments - weighted with the accumulated capitalized interest of a decade of deferment. 

Navient clearly failed to inform me of all of the options at my disposal to discharge my debt. Without a XXXX degree, it has become almost impossible to finding meaningful work that pays well enough to live on, especially as single parent. The sneaky and deceitful tacits employed by Navient to line their pockets by strong-arming me into multiple deferments without all the fact has essentially financially hobbled me and my family. I respectfully request that this loan be forgiven.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent letters to XXXX, XXXX and Experian requesting removal of XXXX. XXXX Bankruptcy. I sent with dispute letter information from Northern District of Georgia United States Bankruptcy Court stating, They do not report any Bankruptcies to Credit Agencies. If thats the case. How did the Credit bureaus edify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 U.S.C. 1681.

15 U.S.C. 1681 section 603 ( 3 ) ( E ) States : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
15 U.S.C. 1681 section 604 A section 2 : It states that a consumer reporting agency can not furnish a account without my written instructions.

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

Also, according to 15 U.S.C. 1681s-2 ( A ) ( XXXX ) : 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.

15 U.S.C. 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
Credit Bureaus have violated my rights numerous times. 
I havent given credit agencies written permission to furnish this information on my credit reports this is grounds for Removal.
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 : XXXX XXXX Account XXXX : XXXX and 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: Checking or savings account

https : XXXX This is a lot easier than getting Zions to own up to their incompetence. Maybe they should worry less about the company Golf Tournament and more about who keeps them in business.

Zions bank is the new XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, Robinhood froze my account that had been open with them for around 5 years. I am unable to access the {$3100.00} in the account after I tried to transfer XXXX out of the account. Even though I had had other cryptocurrencies in this account, on this day it was frozen. They then requested that I submit a form of ID, a picture of myself with an ID, and bank statements from other accounts besides Robinhood. I asked that they close my account and send me the balance. This had not been done.
Product: Mortgage

PNC 's policies for funding a mortgage escrow account are arbitrary and demand more than is necessary to cover expenses. They have a rationale, but the method ultimately demands more than is necessary. The consumer has no practical way to dispute or negociate the demands. 
Additional complaints concerning PNC 's collection policies and internet access to account information can be found any number of places, but I can describe a typical PNC experience relatively objectively : All telephone calls to PNC will subject the consumer to repeated disclaimers concerning the rights of the mortgage company. The first representative will verify all current contact information very specifically, item by item. When the issue of website access arises, the consumer will ultimately be told, for any number of reasons, that PNC can not provide immediate access to account access, because the account can not be verified. Resetting a password ultimately involves a company policy that requires the use of a PIN number that is only sent via standard mail. Since is sent via regular mail, it can not be tracked, and it creates a delay that prevents the consumer from having access to necessary information before a payment is due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly a late in XX/XX/2017 on the XXXX XXXX/XXXX  XXXX partial account number XXXX. ( Please see pages 14 and 15 of the attached credit report. ) XXXX XXXX XXXX is responsible for sending timely mortgage payments to XXXX XXXX on my behalf. The XX/XX/2017  payment from XXXX XXXX XXXX was late and XXXX XXXX did not receive the payment until after the due date. Consequently, XXXX XXXX zinged me with a late payment. I contacted XXXX XXXX XXXX and spoke with a woman named XXXX who was the Regional Manager of Sales and Service at XXXX XXXX XXXX. She researched my account and discovered that yes, in fact, this payment was sent out late and that it was clearly an error on their part. This incorrect reporting of a late payment is harming my credit score and XXXX XXXX XXXX needs to please contact the ( 3 ) bureaus and have this late payment removed from my credit report. I have also contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other attempt to inform CREDIT BUREAUS that I am a victim of identity theft and to file a complaint about specific records in my document as a result of their misbehavior. The documents I'm questioning have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, block the mention of any information in my credit report that resulted from alleged fraud. According to Section 605b of the FCRA, CREDIT BUREAUS is required by law to remove any ITEMS or information discovered to have been opened as a result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$7400.00} ; XXXX XXXX XXXX Balance : {$960.00} ; XXXX XXXX XXXX XXXX XXXX : {$6000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.