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

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must update to correct as paid on time. 


Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of XXXX XXXX XXXX ( d ) ( XXXX ) as that information pertains to experiences those accounts tag as billing error are inaccurate late payment history should be updated to paid on time as it is in multiple billing errors under XXXX XXXX XXXX XXXX ( b ) billing error ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of the accounting nature of the creditor on a statement. 
clearly in Violation of the United States XXXX Law ( TILA XXXX XXXX Code XXXX ( b ) billing error ) must update to correct as paid on time. 



any continuation of providing negative information required by section FCRA XXXX ( XXXX XXXX. XXXX ) And charge off accounts that is tag or labeled FDCPA Section XXXX Violation Misleading False Reporting should be deleted and collection account Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately. 


a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, XXXX inquiries that's Violated the United States XXXX XXXX XXXX XXXX. XXXX ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. should be deleted in the credit report I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Product: Debt collection

This is not mine. I did not receive care nor have they sent me anything, even though it has been asked many times, to show this is my debt. Other than the itemized statement, which is something I could easily make up..     I would like to see signed documents or original paper work with my signature, ID something to show proof.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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 also states : A consumer reporting agency can not furnish an 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 or other personal consumer reports

I am a victim of XX/XX/XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit card or prepaid card

I specifically signed up for the Marriott XXXX credit Card with Chase for the advertised offer. The offer was spend {$3000.00} in 3 months and receive free XXXX nights worth XXXX points a night or XXXX total points. When I received the card, I had to spend {$5000.00} in 3 months and only receive XXXX points. I called to have them honor offer and spoke with their Supervisor XXXX. She advised there was nothing she could do since the card was opened with the offer shown.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX IN XX/XX/XXXX XXXX XXXX XXXX IN XX/XX/XXXX Spoke with credit bureaus
Product: Checking or savings account

Every month for the past 6 months I have tried to change the due date on my loan payment from the XXXX until the XXXX of the month. I have called on the phone and PNC has told me it's done twice. This will be reflected in the system notes. I was then told to write a written request and sign it. I have done that twice. I have sent them messages on the mobile phone application. I'm told we'll message you back to you in 15 minutes. I've been told to call back later. I told them to call me. Then a woman named XXXX calls me from XXXX XXXX and say she would like to help me, but I call her back and she's not available. It's been six months. They could have responded by mail to my written requests that were put in the night drop with my contact information.
Product: Credit reporting or other personal consumer reports

My identity was compromised and someone tried to apply for credit under my name on XX/XX/2023 from a company called XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX for the XXXX XXXX card keeps advertising me that a letter is in the way when I get the next letter it declines me for Unable to verify information. They never requested my personal information such as Social Security card drivers license or utility bill and they never gave me a chance to send it to them instead they keep declining the application
Product: Credit reporting or other personal consumer reports

I requested for the inaccurate late payment of XX/XX/year>, to be removed from my credit card history because I never was late with a payment. The reps of the company did not help. This is against the Fair Credit Reporting Act 15 USC 1681 and 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is all to do with the personal data leaked from Equifax, mid-XX/XX/XXXX through XX/XX/XXXX2017. I just found out about it and went to their poorly provided website ( http : //www.equifaxsecurity2017.com ), which asked me to provide most of my SSN to confirm if I am affected, which I am, along with 143 million others. I submitted a request to do a temporary 90 day freeze on my account through XXXX, because I have no confidence in Equifax. I still have to do this for the rest of my family. I work for a company that has to deal with PCI and HIPAA compliance and I do n't understand how a company that collects this much private information without consent can have such oversight and disregard for the rest of us.
Product: Money transfer, virtual currency, or money service

Chase, did not provide disclosures with sending money through XXXX  to protect the person from sending the money or loosing money while transferring.
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 confidentially under under USC 1681 Account name XXXXt account # XXXX has violated my rights Account name XXXXXXXX XXXX  account # XXXX has violated my rights 15 USC 1681 section 602 a States I have the rights to privacy 15 USC section 609 a section 2 Also states a consumer reporting agency can not furnish a account With out my written instruction. 15 USC 168c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other then records of conviction of crimes which antedates the report by more than seven years. 15 USC 1681 s-2 ( a ) ( 1 ) a A person shall not furnish any information relating to consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Citibank 's Aadvantage XXXX announced late in 2015 that it was " waiving '' its foreign transaction fee. Thus I stayed with the Citi Aadvantage XXXX because they " waived '' their 3 % foreign exchange fee. 

Yet now I have noticed that the exchange rate Citi uses for my card/account is about 94-95 % of the market exchange rate on the transaction date. I have compared such rates with those of my ( also no-foreign-transaction fee ) XXXX XXXX and XXXX XXXX cards and noted that their exchange rates are usually around 98-99 % of the market rate for the transaction date. 

So in this way, Citi is still charging me a foreign transaction fee of sorts, they are just hiding it. I have referred this issue to Citi to no avail, and want the XXXX to please ACT on fining or better yet, convince Citi to change its conduct providing a more competitive exchange rate in lieu of " hiding '' their " waived '' foreign transaction fee in a poor exchange rate to their customers. 

I ask you please help correct this issue or ikpose a penalty until the issuer does so Thank you. 

XXXX
Product: Credit reporting or other personal consumer reports

I have my car payments set up on auto-pay so it comes out the same date every month. I was paying more than I owed so I was ahead of my payment schedule. I took advantage of that and started to make a lower payment each month until I was caught up. I received a letter from Bank of America dated XX/XX/year> stating I had a late payment of {$38.00} and that is was due before XX/XX/year> for my account to stay current and to continue without default. I made the payment and it was received on XX/XX/year> and I actually ended up making the car not payment as well. So now I am a month ahead on my note. Next thing I know I get an email about my PERFECT credit decreasing, look into it and they submitted it as a late payment. If you look at my credit history I have always made my payments on time as I take great pride in my credit. This ended up hitting my credit for over XXXX points!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

A Student Loan Company claims that I am owing $ XXXX for a Student loan that I never opened or attended classes. When I asked for the verification or proof of the original signed contract, the company just blows me off and provides some generic letter unrelated to my question of attempting to know anything about this loan. Under the FCRA I have a right to verify the debt but instead I received bills related to the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a Orchard Bank credit card in  XXXX  ( which later got sold to  Capital One  ). When I opened the card I opted for loss of income, illness etc account protection in which would pay your monthly payment up to 6 months if something happened. I had a medical issue come up in  XXXX    XXXX   in which I was unable to work. I submitted the claim and Orchard Bank did not honor the claim instead continued to report my payments late. Even though this account protection was  STILL  on my account and I had paid for it since opening my account years earlier. I was unsuccessful in getting this applied towards my payments during my medical condition and being unable to work.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have 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 States : A consumer reporting agency can not furnish an account without my written instructions.

I never gave my written consent for the furnishing of any of these accounts. 

My associates and I will pursue {$1000.00} per violation if the accounts are not deleted immediately.
Product: Mortgage

In XXXX or XXXX I applied for a unsecured loan from GUARANTEED RATE INC . I received final confirmation of loan approval on XX/XX/XXXX. I purchased a home on XX/XX/XXXX. I was induced into signing a mortgage document they said would secure their loan. My loan was unsecured, not to mention that FHA insured the loan in case of default. Around XXXX of XXXX I read a publication from the Federal Reserve called Modern Money Mechanics. In it, it details how banks create money. It also states that banks do not make loans. It accepts promissory notes in exchange for bank credits. They breached the contract by failing to provide lawful consideration. I reached out to them by mail XX/XX/XXXX. I asked them to submit evidence that the contract was valid. They neglected to so. I informed them I would suspend payments until they did so. They then sold the Mortgage to XXXXXXXX XXXX who initiated Foreclosure proceedings. GUARANTEED RATE was compensated by FHA when the account went into default. It deposited {$140000.00} into a borrowers account as an asset ( basically to fund the check to the seller ) and matching liability to XXXX XXXX. GUARANTEED RATE did not sign the agreement which makes it unenforceable by law. I asked for the {$140.00}, XXXX that they were liable to me for. They never responded.
Product: Student loan

Upon attending XXXX XXXX I was promised job placement, lucrative salaries and the ability to provide for my family. None of these things happened. I went for a certificate program that lasted 15 months. When I completed the program in XX/XX/XXXX I was able to test for my XXXX. I was told I should have no problem finding out job. That is where the lies with XXXX XXXX and Navient/ Sallie Mae began. My signature loan started out at {$6000.00}. The calls started coming in XX/XX/XXXX. I still didn't have a job after numerous applications put in. I was told I was eligible for a hardship forbearance. The loan capitalization and the repercussions was not explained. I had both federal and private loans. I was not offered a IDR. Nothing was explained. I finally got a job in XX/XX/XXXX. I have tried desperately to make and maintain my payments. In XX/XX/XXXX I was laid off. The beginning of XX/XX/XXXX I started back to school for my XXXX so I could be a registered XXXX. My school filed for a in school deferment. During that time all the interest capitalized again as I later found out. I thought the interest stopped until I was done with school. I graduated in XX/XX/XXXX. In XX/XX/XXXX I was involved in that car accident. I have not worked since. I filed with Navient because at one point my signature loan balance reached over {$13000.00}. I have tried to get them to reduce the balance since more than half is interest and fees. I have been unable to work since my car accident.
Product: Payday loan, title loan, or personal loan

My contract says late payments will only be charged a {$15.00} late fee with no interest added. While making a phone payment to XXXX XXXX ( in S. Carolina ) he told me the company had changed my account from a fixed interest to a compounded interest and 'I had to lump it and there was nothing I could do about it, I just had to pay up '. He also stated they could do anything to me they wanted. Today I paid the last payment on my contract and they said I still owed {$1400.00} in payments. Enclosed are copies of my contract and a copy of my payments from the start of XXXX to XXXX. I have continued making payments till present. I have been told repeatedly I am up to date on my contract. Almost every month there was a new way of charging more money outside the outline of the contract.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Investigation of Inaccurate Reporting by Experian Dear CFPB, I am writing to formally request your assistance regarding an issue I have encountered with my credit report from Experian, which I believe violates the Fair Credit Reporting Act ( FCRA ) and Regulation V. 

I have noticed that my Experian credit report inaccurately states that I have XXXX account with late payments. This information is incorrect, as all of my accounts are in good standing. Under Section 623 of the FCRA, a furnisher is prohibited from reporting inaccurate consumer information to a Credit Reporting Agency ( CRA ). Therefore, I kindly request that you investigate this matter. 

Additionally, I will be uploading my Experian credit report for your review, which clearly demonstrates that all my accounts are current and in good standing. I ask that you take the necessary steps to have this incorrect information removed from my file. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

I need these hard inquiries removed from my TransUnion credit report as they are fraudulent and I am a victim of identity theft. They are listed below : Hard Inquiries XXXX XXXX XXXX Inquiry : XXXX. XXXX XXXX - Bank ( XXXX ) XXXX See an error? 
Find out how todispute a hard inquiry Institution Information XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX : XXXX. XXXX, 2022 - Bank ( XXXX ) XXXX See an error? 
Find out how todispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX : XXXX. XXXX, 2022 - Bank ( XXXX ) XXXX See an error? 
Find out how todispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Checking or savings account

XX/XX/18 I utilized My USAA checking account to purchase concert tickets from a seller for {$520.00}. The seller requested the transaction go through XXXX. The money was sent via XXXX and tickets were not sent. I immediately contacted USAA in less than 5 minutes of the transaction to request a freeze be placed on the transaction. I explained that fraud had occurred. USAA stated it was nothing could be done since the transaction occurs instantly. All I could do was send a request to the seller asking for money. I called my bank back again and explained the fraudulent situation and received the same answer. Bank are advertising XXXX as a feature to its consumers to use. They are boldly stating the benefits of it but not fully explaining the disadvantages to its consumers. This is cause multiple customers to be scammed by scammers. After this incident happened to be I googled XXXX and scammed. I saw numerous people with the same issue. USAA states they are not liable because they completed the transaction as requested. I feel the bank should be liable because they offer the service. The bank presented all these benefits of the service. The bank do not have proper disclosure to state this transaction can not be disputed by your bank, once the transaction is completed it can not be reversed, returned or disputed. Are you sure you want to continue? This type of verbiage needs to be added to all banks that offer the XXXX feature. There are no repercussions and banks are legally allowing the consumers to be scammed. USAA has a dispute process for a lot of transactions but to offer a service that puts customers at risk and there is nothing to be done to protect the consumer is a huge issue. Making consumers aware like they notify of other disclosures should be a requirement for banks. Or they should not offer a product or service they can not back. I've had a checking account with USAA for a long time and their service is great. Based on prior experience with them is why I trusted XXXX and the process. Now that I am aware of the exposure and risk, I feel more need to be done by companies offering a service to make the consumer aware.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to get my credit report from Trans Union for 4 months although this has been a long-standing problem with them. On XXXX XXXX XXXX they say they are unable to deliver my report online because they cant verify my identity although I have correctly answered all the questions. When I request it by mail and send them all of the proper identification documentation I get a letter back saying I didnt send the right documents. Thats not true. When I request it by phone it never arrives. I created an account on their website and it says they are unable to deliver my report online. I have no problem getting my report online from XXXX XXXX XXXX at any time. They have denied me my report 90 % of the time for years. They intentionally make it impossible. Ive been dealing with this issue with Trans Union for 40 years. It needs to stop.
Product: Student loan

Pioneer Credit Recovery has been calling me to my house, to my private cellphone and even my husband several times every day trying to get information about me, but about 3 weeks ago they started calling MY JOB. On XX/XX/XXXX after they called my workplace and were very rude to the receptionist, I returned the call to XXXX under reference # XXXX and asked him to record the conversation ( which he said he did ) and I explained that I am NOT allowed to receive personal calls at work and by calling my workplace he was JEOPARDIZING MY EMPLOYMENT and after that notice if they continued to do this they would be in violation of FDCPA ( Fair Debt Collection Practices Act ). XXXX assured me that they would not be calling my job anymore, he noted the account and removed the number according to him. I was the out of the office for the week of XX/XX/XXXX through XX/XX/XXXX. Upon my return, I was advised that now XXXX under reference # XXXX ( Pioneer Credit Recoverys Ref # ) and call back # XXXX XXXX XXXX.. has been called my workplace EVERY DAY that week asking for the office manager to verify my employment but she wouldnt say where she is calling from, why she needs this information or under what legal basis she is requesting my employment information. I need these harassing calls to stop. Pioneer Credit Recovery is not only harassing me but also my employer and they are putting my employment at risk by doing so. Your prompt help with this matter will be greatly appreciated!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. FAY SERVICING LLC is reporting late as reported in XXXX and XXXX. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( FAY SERVICING LLC XXXX )