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

I purchased a new car from XXXX XXXX XXXX of XXXX, NJ in XXXX XXXX. Approximately one month after the purchase I discovered an issue. When purchasing the vehicle XXXX XXXX input the incorrect contact information on my account. The social security number, DOB, etc. on the account does not match mine. For this reason I am unable to access any online services for this loan, including my account number, online payment, and most importantly auto-pay. My only way to pay XXXX/XXXX was to pay over the phone when they called me. They didn't call in XXXX, I can only assume this was due to COVID. I contacted XXXX/XXXX on multiple occasions but they were never able to fix the issue. 

In XXXX of XXXX I realized that XXXX XXXX were reporting a late payment on my account from XX/XX/XXXX. At that time I attempted to reach-out to XXXX XXXX via phone at least 5 times to address the reported late payment. I was told by the front line customer service reps that there was nothing they could do to resolve the reported late payment, despite the incorrect information on my account, and that a manager would call me back. The managers called at times when I was unavailable, so I returned their calls leaving voicemails each time. I never received additional follow-up from them. 

In addition to calls directly to XXXX XXXX, I've sent them a letter outlining the situation and asking them to change their credit bureau reporting. I've also reported the error through the credit bureau dispute processes. Unfortunately, none of these efforts have led to resolution of this issue. 

XXXX XXXX 's inaccurate reporting is significantly negatively impacting my life. Tonight I attempted to finance a new cell phone ( only a {$1000.00} purchase ) and was denied by two different banks. If this one late payment were removed from my account XXXX XXXX estimates my credit score increases from XXXX to the XXXX range. This late payment seems to be the only reason for denial of my credit applications. 

Thanks in advance for your help!
Product: Mortgage

I HAVE APPLIED FOR HARDSHIP ASSISTANCE WITH MY SERVICER THE MONEY SOURCE, I HAVE PROVIDED ALL DOCUMENTATION AND ON XX/XX/18 THEY HAVE INFORMED ME THAT MY REQUEST WAS CLOSED OUT DUE TO THE XXXX NOT HAVING MY PHONE NUMBER ON IT. I CONTACTED THE IRS TO ENSURE THEY NEED A PHONE NUMBER ON THE XXXX AND THEY SAID NO, THAT IS OPTIONAL. THIS MEANS THAT THE MONEY SOURCE IS TAKING UPON THEMSELVES TO GENERATE GUIDELINES THAT HAVE NOTHING TO DO WITH FEDERAL GUIDELINES. I HAVE A SALE DATE ON XX/XX/18 WHICH THEY SHOULD HAVE POSTPONED DUE TO BEING COMPLIANT WITH ALL DOCUMENTATION, THEY ARE STATING THAT THEY WILL NOT REOPEN MY REQUEST DUE TO I THE PHONE NUMBER WAS NOT ON THE XXXX. THE REPRESENTATIVE I SPOKE TO XXXX EVEN WENT AS FAR AS STATING THAT THE MONEY SOURCE WAS NOT GOING TO TAKE THE XXXX BECAUSE I TYPE MY NAME, ADDRESS AND SOCIAL SECURITY INSTEAD OF HANDWRITING IT IN.. THIS IS OUTRAGEOUS THAT I AM GETTING CLOSE TO LOSE MY HOME DUE TO THE MONEY SOURCE HAS NO TRAINING ON FEDERAL LAWS!! I REQUESTED FOR A SUPERVISOR AND WAS TRANSFERRED TO XXXX XXXX ID XXXX AND HE STATED THAT HE WILL NOT DO ANYTHING AS HE DOES NOT KNOW ANYTHING.. HOW DOES THIS HAPPEN?? ALL HE KEEPS SAYING IS TO SEND A XXXX EVEN THOUGH IT IS THERE AND WAS CONFIRMED. I WILL NOT BE A VICTIM TO UNEDUCATED INDIVIDUALS THAT SHOULD NOT BE WORKING FOR A SERVICER THAT WAS NO TRAINING ON MORTGAGES.
Product: Checking or savings account

XXXX part of my divorce in 2008, a {$50000.00} dollars check was deposit at checking account at XXXX, and the bank made a mistake and deposit {$5000.00} instead. Even with the proof of the deposit where it said the amount was {$50000.00} it was an extremely difficult process to fix their error and took close to 10 days with me having to go to the bank multiple times and repeating my story to many different people. It was very stressful, and they never apologized for their mistake.
Product: Credit reporting or other personal consumer reports

I am filing this report to document the unauthorized use of my personal information and identity, which has resulted in accounts being accessed, created, or reported to credit reporting agencies without my knowledge or consent. These activities violate my rights under federal laws, including the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). 

Upon reviewing my credit report, I discovered multiple accounts that I did not authorize, or permit to be reported. These accounts are fraudulent and represent misuse of my personal information. 
Incident Details 1. XXXX XXXX XXXX Account Type : Factoring Company Account Original Creditor XXXX XXXX  Amount Due : {$690.00} Status : Placed for Collection Estimated Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Type : XXXX XXXX Account Original Creditor : XXXX XXXX XXXX XXXX 
Amount Due : {$630.00} Status : Placed for Collection Estimated Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Account Type : Collection Agency/Attorney Original Creditor XXXX XXXX XXXX High Balance : {$260.00} Amount Due : {$2300.00} Status : Placed for Collection Date Closed : XX/XX/XXXX Estimated Removal Date : XXXX/XXXX Nature of the Fraud These accounts were not authorized by me. I did not provide my consent for my personal information to be accessed, shared, or reported to any credit bureaus or third parties. 

The unauthorized reporting of these accounts constitutes identity theft and illegal use of my personal information, as prohibited under : 1. 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) Unauthorized sharing of personal information without explicit consent.

2. 15 U.S.C. 1681b ( Fair Credit Reporting Act ) Lack of permissible purpose to access or report my data.

3. 15 U.S.C. 1681e ( b ) ( FCRA ) Requirement to ensure accuracy and verification of reported data.

Impact of Fraud The unauthorized accounts have : Negatively impacted my credit report and credit score.

Resulted in financial harm and reputational risk.

these accounts have damaged my creditworthiness and caused undue stress.and stoping me from becoming homeowner Action Requested I am requesting that this report officially document the unauthorized use of my identity and personal information. This report will be submitted to : Credit reporting agencies ( XXXX, Equifax, and XXXX ) as evidence to remove these fraudulent accounts. 
Relevant federal agencies such as the FTC and CFPB, if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the accounts below have violated my rights. 

XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX # 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
Product: Credit card

I called Affirm XX/XX/2023. I talk to a Supervisor, XXXX. There are XXXX accounts created without my knowledge from Affirm. One for XXXX and the other for XXXX. They are refusing to give me any information without a phone number. My phone number is not associated with any accounts. I asked them to pull it up with my social security. They are unable to pull up any accounts with a social.. I am at a lost. Someone used my social and name to create XXXX affirm account and there is nothin I can do about it. There should be other ways to get information.. They are saying I owe them but I have no way to pay them, even if I was just paying wanted to off my report.
Product: Student loan

I have paid on these loans for over 10 years now. The amount has only INCREASED and not decreased. I had the department of education tell me as well as a navient manager, both stated these loans have been satisfied. My original loan has been bought out 3 times. PLEASE HELP I have sent in a dispute in XX/XX/XXXX with no avail. I DO NOT want this going against my credit. I have FAITHFULLY paid on the loans with only one year of forbarence in XX/XX/XXXXmy husband lost his job at that time as well as my son was born with a XXXX that is still on going. PLEASE HELP
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> Midland Credit Management Attn : Consumer Support Services XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Re : Debt Validation Request Account # : XXXX To Whom it May Concern : I am writing to formally request a debt validation for the above-referenced account under the Fair Credit Reporting Act ( FCRA ), specifically per 15 U.S.C. 1681g and 15 U.S.C. 1681s-2. This is my second request for validation, as I have not yet received sufficient proof that this debt is valid and accurately reported.

According to the FCRA, you are required to provide complete and accurate information, including : A copy of any contract or agreement bearing my signature that verifies the validity of this debt.

A full accounting of the debt, including the original amount, all payments made, and how the balance was calculated.

The name and address of the original creditor, as well as any documentation showing the transfer of this debt, if applicable.

Proof that you are legally authorized to collect this debt in my state.

Additionally, under 15 U.S.C. 1681s-2 ( b ), if this debt is being reported to any credit reporting agencies, you are required to investigate and rectify any inaccuracies. Please provide written verification that this has been completed or that this debt has been removed from my credit report if validation can not be provided.

If you are unable to provide this information, I respectfully request that you cease all collection activities and remove any negative reporting associated with this debt from my credit reports.

Please respond within 30 days of receipt of this letter. I look forward to your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX refuses to verify these fraudulent debts which have been identified and reported as being the result of identity theft. XXXX, XXXX also continues to report these fraudulent accounts to Experian as being valid when XXXX XXXX XXXX is knowingly failing to comply with the law and has sent me emails stating that they will not reinvestigate the following fraudulent accounts, which is a direct violation of the FCRA. I have a right to dispute any and all inaccuracies appearing on my consumer report an unlimited amount of times until I find that no inaccuracies exist and every data furnisher is likewise required by the FCRA to investigate all disputes filed by a person who is challenging any inaccuracy being provided by that data furnisher on the affected consumer 's report. No statute authorizes a data furnisher to state to a consumer in writing that the data furnisher will ignore all future communications or requests to reinvestigate a claim or dispute filed by a consumer nor that the data furnisher 's decision is final regarding a dispute. XXXX, XXXX is not respecting the law and more importantly, not respecting my rights. Please delete ALL SIX of these fraudulent accounts from my Experian credit report immediately. I did not authorize nor apply for any loan, product or service with this company and again, when I demanded specific documents from them, XXXX, XXXX refused to provide these debt verification documents as well as the information I requested in order for me to try and determine who is misusing my stolen identity credentials and personal information. The following XXXX  accounts can not continue to remain on my credit report without running afoul of the FCRA and subjecting Experian to joint civil liability alongside XXXX, XXXX : XXXX, XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX XXXX, XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX
Product: Student loan

I have had multiple loans with Navient since I enrolled in school almost XXXX  years ago. XXXX of them is paid off now but the other has a little over XXXX XXXX balance on XXXX XXXXXXXX borrowed. I have paid almost XXXX XXXX in interest over the life of this loan alone. 

The loan in question is from a school that is part of the XXXX XXXX XXXX  settlement.

I am a XXXX XXXX XXXX  of that suit and my federal loans with them are in the process of being discharged. Over the years SallieMae/Navient has told me over and over and over that my only options are deferment or consolidation. Over and over I have asked for help or leniency as not only did I have private loans with them but federal loans with the Department of Education. Paying off all of these loans has been a real struggle but especially now that my interest rate is almost 17 % on the loans I have remaining. I borrowed {$6.00} to try to get a degree from a school that has now been found guilty of misleading students and forcing private loans on them to cover what federal loans wouldn't. Navient has made XXXX XXXX in profit off of my loans and I still have XXXX XXXXXXXX remaining. How is this right? How can institutions like Navient get away with fleecing hardworking people who are just trying to better themselves and their families? It shouldn't be allowed.
Product: Debt collection

See original complaint : AIH Recievables has been calling my father 's office phone, his company phone and his cellphone repeatedly. They are only allowed to call once, and they continue to call several times a week. I don't know if they ever sent a written notice of any debt, because I am not sure what debt this could be in reference to. This is incredibly hard on my father and his company. It is a smaller, start-up type company and they really don't have time to deal with constant, harassing calls. I believe they have violated the FDCPA, due to : the harassing nature of the calls ( over 10 calls made to his office ), the fact that they have repeatedly tried to contact a third party, and because I NEVER provided any number related to my father on my medical accounts. Please let me know how I can move forward in submitting these violations, as this has been very annoying for my father, and myself. 


I originally submitted this complaint and AIH came back saying I was lying despite the fact I have the call logs to prove this. They sent a snarky message back. Here was my response, which I am sure they have ignored : Their claims are wildly inaccurate. They called a place I haven't worked at for SIX years. Again, this is a startup type company that is incredibly reliant on keeping the lines open for actually relevant calls. They called over 10 times and I would gladly pull the receipts on those calls if this complaint can move forward. They clearly called this place multiple times without a response, which is against the law, especially considering NOTHING on my account that was supposedly forwarded to them listed that place of employment or that phone number. They went fishing for a relative, found one, and harassed them. 

AIH is in violation of the FDCPA and they should be reprimanded for doing so. Their harassing way of action and lack of understanding of who they can contact and how many calls they may make is egregious and damaging to my father 's business.
Product: Debt collection

I did not allow any debt in my name to this creditor I have never financed a loan with this company my identity was stolen in the XXXX data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a complaint on Trans Union LLC. I sent Trans Union LLC a 609 letter disputing information on my credit report and asking them to show me proof of the information on my credit report is accurate. The letter was sent back in XXXX dated XX/XX/2022. Under the federal law they have 30 days to complete an investigation and 15 days to let me know what information they have found during their investigation. It has been over 45 days and I have not receive a response from Trans Union LLC. I've sent them a 30 day to comply letter and I have not receive a response from that either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit reports and see that Capital One is reporting that {$470.00} and {$420.00} is owed to them. After multiple attempts to get debt validation, I have not received a response from Capital One. I asked for them to validate the following : 1. What was the account number.? 2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 3. Please provide me documentation that indicates that I agreed to pay them this sum of money. 4. What was the original date of delinquency for this account? I required compliance with the terms and conditions of my letter within 30 days of their receipt or a complete removal from my credit reports.
Product: Checking or savings account

On XXXX i went into XXXX to pick up my meds. My check was refused. I knew the money was in the account. They gave me the check back. I called XXXX and was informed that it was from XX/XX/XXXX for XXXX. When I ask questions all the person could do was read from a script. I ask to have a supervisor call me within 72 hours. The supervisor never called. Today I found out it will take 30 days to resolve my issue. This is over a single EFT that I am disputing.
Product: Credit card

XXXX XXXX I started an early payment which usually takes a day to go through. To see the next day returned the payment, and the money did not leave my account and was available. This has also happen once before years ago and Is not my fault and destroying my credit score. 
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I have repeatedly attempted to login to Equifax to see my credit report, and each time I try there is a message on the login screen please call this number I have called and spoken with their reps. three different times. I have gone through the id verification by submitting my driver 's license, a selfie, and answering various questions to confirm my Id. After all this I have been told 3 separate times that my acct was unlocked and each time I go to login and same message comes up. I just want to see my report because the other two agencies have wrong info and I need to correct this because I'm trying to buy a house and I can't do that if they will not let me see my report and possibly give them information that proves my report is wrong
Product: Checking or savings account

I received a check on XX/XX/21 deposited the check on XX/XX/21 via the Chase ATM located in XXXX, Colorado off of XXXX and XXXX. The ATM receipt stated there would be a seven day hold on the check which is concerning because Chase has now held four checks that I have deposited for absolutely no reason stating that due to my relationship with the bank yet they refuse to tell me what has caused the hold and why theyve been so long. Along with why they can not release any parts of the funds. I spoke with the branch manager XXXX on XX/XX/21 and he assured me my funds would be available today after midnight XX/XX/21 and I should check my account at XXXX EST. I went to sleep my account had {$48.00} available. This morning when I checked my account is now in the negatives {$14.00} and XXXX tells me that I have poor money management that resulted in my account being overdrawn which should not have happened as the funds should be available. Due to the rapid transmission of coronavirus I did not feel comfortable going into the bank unless I have a true issue which is why I use the ATM to limit the amount of exposure. XXXX then proceeds to tell me I should have come into the branch to cash the check when I have not had great experiences trying to cash checks in the past with Chase and have been forced to deposit them and wait seven days up to 14 depending on how Chase feels about releasing my funds. My husband was able to call in and get the hold released off of an {$11000.00} check that had nearly a two week hold. I deposited a VA check and there was a three day hold which VA checks are guaranteed funds and should be available same day! Chase has a habit of holding my checks for no specific reason and can not provide detailed information as to why the continue to keep holding my funds. Theyre now saying my funds will not be available until XX/XX/21 which is unacceptable. When I called the Chase customer service number on XX/XX/21 they stated multiple times there was no hold on the check yet the funds were not available. They then transferring me to a check verification queue which I held for over two hours twice and still no conclusion as to when my funds will become available. Chase is being very discriminatory with the holds they have egregiously placed on the checks I have cashed with their bank well over the last 90 days.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Product: Mortgage

I had previously filed a complaint with the company. They gave me a reinstatement quote and I paid it. Now they are saying that they did not take into consideration the quarterly tax payment into that quote. ( Which is bizzare ) for a mortgage company. 
They told me that my monthly payment will increase from XXXX to XXXX. 
I asked for an explanation and asked if my mortgage would stay the same if I just gave them the amount they paid the city for taxes ( which I shouldnt have to ) and they said that if I did that my mortgage payment will still increase to XXXX. The lady ( XXXX XXXX said that my insurance also increased. Which is true but its because the mortgage company failed to make payments to the insurance even though they received the bill. My insurance agent said that it was their fault they are the ones that should of made the payment, and they didnt. Therefore they put placeholders insurance and now ( because our house had a flood ) since we got a brand new quote its twice the amount.