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

A person or someone within an organization, the court or government entity may have breached my rights to privacy, and committed a fraud by utilizing my confidential identifying information in connection with or obtained through a consumer credit transaction without my express authorization. My private information is now being furnished/shared publicly, to my detriment, by unauthorized third party ( s ) and reported to several consumer reporting agencies, in violation of state and federal privacy laws and my consumers right to privacy under the Fair Credit Reporting Act.

The accounts are evidenced in my credit file and impairing my ability to engage in commerce. As a direct result of my privacy being breached US Bankruptcy court and/or XXXX XXXX  appears to be reporting an unauthorized, inaccurate, irrelevant account and other information within my file. I have filed an identity theft report number XXXX with the Federal Trade Commission to have all unauthorized items removed from my credit file.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I noticed a collection from XXXX XXXX XXXX XXXX ( XXXX XXXX ). I do not know what this is for. It shows the original date the account was opened as XX/XX/year>. This company has not sent a letter to my address stating what this debt is for and the amount of the debt. To date I have not received any correspondence as to what this is about. They have not sent anything stating who this pertains to, the amount of the debt or any original contracts showing the creditor. This appeared on my credit report today without any communication as to what it is for. If I would have received something in the mail regarding this debt, I would have asked who is the original creditor, the original balance owed, statements, and original contract. This is a clear and intentional violation of the Fair Debt Collection Practices Act. To date I have not received any written communication regarding this debt, nor have. A debt collector must provide written notice that details the following : 1. The amount they think I owe 2. the name of the creditor 3. How to dispute the debt in writing To date I have not received anything along these guidelines, or I would have promptly responded disputing the debt.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. DEPT OF EDUCATION/XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX XXXX this company has had my money for almost 365 days now since please allow me to withdraw the rest of my money no reason it should be held any longer need money for bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked my credit report on XXXX XXXX. Found two NEW accounts listed as New Account XXXX XXXX XX/XX/XXXX. This information is being reported by Commonwealth Financial Systems of XXXX XXXX, PA. I called and was told that these two accounts stem from two XX/XX/XXXX collection bills yet they are being reported NEW as of XX/XX/XXXX. This is an attempt to re-age this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

NAMES: I need names deleted that I have never used: XXXX XXXX and XXXX XXXX

ADDRESSES: need old addresses removed: XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX  
EMPLOYER:  Remove XXXX XXXXXXXX XXXX  and add Current Employer: XXXX XXXX
Product: Vehicle loan or lease

I have purchase XXXX XXXX XXXX after trying move money around I found I could not meet they terms of the deal. I pointed out after 3 day I could not meet they term. So I brought the back to the truck and the paper work and keys.The company had promise me that would put a back cover on the truck which did not happen. That did not happen causing a problems between us. Now they it on my credit report barring me from obtain another vehicle
Product: Checking or savings account

We use XXXX Bank XXXXXXXX XXXX for our nail salon business in XXXX AZ and have since XXXX. Once in a while, a consumer disputes a card charge that we have to respond to dispute it. In XXXX of XXXX we had a dispute which we responded to, the consumer didn't agree and disputed it again in XX/XX/XXXX. I noticed the XXXX  dispute did not have any of the consumers original complaint on it and I needed those comments to remember the original response we had made. 

I reached out to XXXX XXXX ( FISERV ) to ask for a copy of the original complaint, I was told they could not send it because their email server was down. I pushed a bit and asked when it would be back up and she didn't know, I pressed further and got her to disclose they had not had email capabilities in almost XXXX weeks. I was shocked, I reached out to our acct rep XXXX XXXX and he said he thought the rep was scared and put on the spot and lied to me about the email servers. I told him anyone handling our money can not feel it's safe to XXXX to a consumer no matter the circumstance and I asked him to look into it and find out what was the truth, was there no email in the company for almost a month or did she lie to me about it? It's been XXXX months, and I am no closer to knowing the truth than I was and I am quite concerned a huge financial services company would take my concerns so lightly.
Product: Mortgage

I HAVE BEEN TRYING TO WORK WITH MY MORTGAGE LENDER FOR THE LAST COUPLE OF YEARS. AFTER MY MANY ATTEMPTS THEY GAVE ME A REPAYMENT PLAN AND I PAID OVER {$3000.00} FOR 12 MONTHS. MY COUNSELOR XXXX SPOKE TO THEM AND WAS ADVISED THAT AFTER 12 MONTHS I COULD SUBMIT FOR ANOTHER REPAYMENT PLAN TO CONTINUE PAYING THE REMAINING BALANCE THAT IS DUE. I DO NOT WANT TO LOSE MY HOME BECAUSE THEY MISLED ME ON MY PREVIOUS PLAN. ALL THAT I AM ASKING IS THAT THEY GIVE ME ANOTHER PLAN TO GET CURRENT. I HAVE BEEN ON TIME THE LAST 12 MONTHS PER THEIR REPAYMENT PLAN.
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 XXXX  : Account Number : XXXX Account Name : XXXX 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: Student loan

I have called Navient on numerous occasions, when I first graduated and received the loans I tried to get a lower payment. I was denied on several attempts. Then I enrolled back in school and continuously had to call. I am very unhappy with the constant denial and lack of support from this organization. I am displeased with the customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan balance was {$180000.00}. In XX/XX/XXXX, I received XXXX letters stating that my loans were to be discharged. XXXX now has my student loans # XXXX I did not agree with them that they could have my student loans they were just transferred to them from fed loan servicing where I had consolidated them from XXXX in XXXX of XXXX. In XXXX {$78000.00} of my student loans went from XXXX to XXXX but my balance with XXXX never went down. I called XXXX and XXXX numerous times because instead of my balance going down they added the XXXX to my loans with the credit bureaus where my student loan debt went from {$180000.00} to {$260000.00}. When speaking to XXXX I was told not to worry about it and that it would be deleted when XXXX discharged it from their end. There are no records in either XXXX or XXXX as to what they are doing with any of my accounts. XXXX has not subtracted the amount that XXXX has discharged and they have taken more from XXXX. I was refused a mortgage for a home loan due to their failure to discharge my loans and adding debt when it was to be subtracted. They have lied to me numerous times when I have called and disregarded the fact they have ruined my credit with their fraudulent behavior. They have killed my credit score and I am prepared to move forward with a lawsuit if this issue is not resolved within 7 days ( XX/XX/XXXX ) of the filing of this complaint. My student loan debt should be under {$100000.00} and I do have all of my paperwork to prove it.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several inaccurate and potentially fraudulent items that have appeared on my credit report. Under Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting an immediate investigation into the following entries and their subsequent removal from my credit report, as they are not associated with any accounts I have opened or authorized : XXXX XXXX XXXX Reported : XX/XX/XXXX Amount : {$630.00} XXXX XXXX XXXX / XXXX Reported : XX/XX/XXXX Amount : {$0.00} Status : Closed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX Amount : {$0.00} Status : Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX 2024
Product: Bank account or service

My wife and I applied to open a joint online savings account at GS Bank on XXXX XXXX. After 3 days of not hearing from them, I called them to check status of the account opening. Representative indicated they were declining to open an account because they could not verify my wife 's identity. GS Bank did not explain why they were unable to verify the identity of my wife of over 10 years, despite us both having many other joint accounts and credit cards with other banks over the years. Representative said a letter would be forthcoming from GS Bank explaining reason for declination, however, no such letter has arrived. Having supplied GS Bank with all of our personal information in order to apply, I find it unconscionable that they can refuse to open the account, not explain why, and yet continue to keep all of our information on file. Representative indicated they would keep the information on file as a declined application.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on my ongoing efforts to correct inaccuracies on my credit report, specifically regarding a late open account, charge off, and late closed items. 

Despite multiple attempts to address these issues, they persist on my credit report, impacting my creditworthiness and financial standing. I have provided detailed documentation and evidence to support the correction of these inaccuracies, yet they remain unresolved. 

I kindly request an update on the status of my requests and urge you to prioritize the correction and removal of the late open account, charge off, and late closed items from my credit report. Your prompt action is essential in restoring the integrity of my credit history and ensuring fair and accurate reporting. With this, I am asking for your assistance to remove or correct these accounts in my credit file : XXXX XXXX XXXX XXXX XXXX Balance : {$160000.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

XXXX XXXX XXXX XXXX Balance : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX  XXXX Balance : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 60 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX agreed to remove late marker on credit file date for XX/XX/19. However Transunion and XXXX  will not allow me to reinvestigate or submit a dispute.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, Account number XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Mortgage

The issue that I'm having is that Chase is not in good faith processing a loan assumption request by my ex-partner and me ( XXXX XXXXXXXX XXXX formerly in an unregistered domestic partnership but never married ) ; instead, Chase is baselessly and improperly stonewalling us and procedurally dragging out the process in violation of federal anti-discrimination laws. 

My ex-partner and I ( XXXX XXXX who were in an unregistered domestic partnership of XXXX years but never married ) are joint borrowers on an assumable conventional mortgage originated by another lender in XXXX and subsequently purchased by Chase. The original loan amount was about {$480000.00}, and we had no trouble at all getting approval for this loan because we each make well over {$300000.00} per year, each have savings of XXXX XXXX XXXX XXXX and each have sterling credit. We have made all payments on time and in full, such that the current balance is about {$450000.00}. 

We separated amicably in the first half of XXXX and submitted a request to Chase, pursuant to the terms of the mortgage, for my ex-partner to assume sole responsibility for the loan and sole title to the property because he will continue living at the property in XXXX XXXX, while I live at my own property in XXXX. Chase, however, has not been processing our assumption request in good faith they have been procedurally stonewalling us for almost a year, requesting the same information over and over, even though we have provided every document and piece of information they have asked for. Chase has never raised any substantive concerns about our assumption request because they know they have no lawful grounds to deny it. My ex-partner is in excellent financial and employment position ( having been recently promoted to associate director of marketing at a public XXXXXXXX XXXX and now pending promotion to director ) and has a perfect history of on-time payments on this and all other accounts in his sterling credit history. If we had been married and divorced, Chase would no doubt have processed our assumption in accordance with the terms of the mortgage, but because we are XXXXXXXX XXXX who were in an unregistered domestic partnership, Chase is choosing not to process our assumption request in good faith and thus to violate state and federal anti-discrimination laws.
Product: Debt collection

I apparently have a credit card debt to JP Morgan for {$1900.00} and I do not know what it is From or too whom to pay? I had recently paid off all my credit cards yet my credit report claims this debt. I have no idea of how to pay it or whom to pay it to ... .can someone help me with directing to me to phone numbers that no one ever answers?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I received a late payment alert on XX/XX/, I called Honda and they acknowledged that I did receive my payments and needed to turn my vehicle in. I explained I had already returned my vehicle and gave them dealer information. They still reported a 30 day late, I disputed with the credit bureaus and was able to remove the late from 1 of them. But 2 bureaus was not removed. I sent a letter on XX/XX/XXXX, they sent me paperwork showing my payments which were not late but still reporting a 30 day late.
Product: Student loan

Hello, On Thursday, XX/XX/XXXX, I contacted FedLoan Servicing after receiving the news of Biden 's Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. Throughout the pandemic I paid almost $ XXXX in payments. It seems as though FedLoan Servicing is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, XXXX are only quoting 3-8 weeks turnaround time and those I know with those loan providers are already seeing their loans reflected on their account. What's worrying to me is that they application for forgiveness. They stated that our loan balances won't be processing any of these in time for us to receive forgiveness. They stated that our loan balances won't be reinstated until the refund is processed which won't be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed send in my request. I realize with the influx of calls that getting our money back could take a while, but it's very concerning to me that they're saying this entire process can take longer than 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently getting that money back would be life changing for me as well as many others. So, seeing other people 's loan providers reinstating their balance after requesting it in just 36-72 hours later makes me very concerned that this company does not have our best interests at heart. 

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

I have been attempting to get my credit report updated on the XXXX account as it was settled since XXXX of 2020 with their agent how bought their debt ( XXXX XXXX  ) and have not been able to obtain the final letter transferred that debt from XXXX to XXXX XXXX nor has my credit report been updated to reflect {$0.00} balance on XXXX. 

They tell me that they have attempted to contact XXXX with no results and they could not give me any documentation that they bought the debt from XXXX. 

I have been emailing and contacting XXXX with numerous attempts along with over 10 + hours on hold with multiple transfers and disconnects and they still show2 I owe those funds. 

I have attached all the correspondence in hopes that I can get a letter from XXXX as this is holding up my refinance on my home and need it asap as I have also spent additional funds out of my pocket for the appraisal fees. 

Please can someone Please help me. 

XXXX XXXX XXXX
Product: Credit reporting

My family,XXXX, all filed with the XXXX credit reporting agencies at the same time for a credit report. The others in my family got all XXXX credit reports. I got XXXX reports. Equifax refuses to send me my credit report. I have contacted them more than once. They state they want photocopies of such things as my drivers licence etc. The other XXXX agencies gave me my report. Equifax has some sort of credit report on me, but refuses to let me see it.
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 names XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. THE XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress  and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.