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

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

My debit card wasnt delivered, and it has been sent since XX/XX/2020, I have been waiting for my card but seems they didnt send it all. 

I will so much appreciate if you could get me their direct contact. 
XXXX XXXX For Tennessee XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, SXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, # XXXX, # XXXX has violated my rights. 15 u.s.c 1681 section 602 I have the right to privacy. 15 u.s.c. 1681 Section 604 Section 2 states a consumer reporting agency can not furnish an account without instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Account Information Auto Lease Dear Sir/Madam , I hope this letter finds you well. I am reaching out to request specific details regarding my auto lease account referenced above. Please note that this is not a dispute ; I am simply seeking clarification on the following information : The date of first delinquency on this account. 
The date of my last payment made toward this account. 
The date of charge-off, if applicable. 
I would appreciate your prompt response with this information. If any additional details or verification is required from me, please let me know. 

Thank you for your time and assistance. 

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

So, I sent the letter off on XX/XX/2022, here is my Tracking number XXXX, and was delivered on XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act XXXX XXXX XXXX. I have the right to privacy. Also according to XXXX XXXX XXXX. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

I have filed an FTC report due to identity theft and fraudulent information. I noticed on my credit report that there are XXXX hard inquiries from XXXX XXXX on XX/XX/year>, name, address, and employer that I do not recognize. The accounts are completely fraudulent and have never belonged to me. The accounts are XXXX XXXX XXXX XXXX that is listed twice, XXXX XXXX XXXX ( The ONLY name I have is XXXX XXXX ), XXXX XXXX XXXX XXXX Ms XXXX ( The ONLY address I have is XXXX XXXX XXXX XXXX, Ms. XXXX ), I DO NOT HAVE ANY EMPLOYER. I contacted XXXX XXXX XXXX XXXX to get an understanding of where the inquiries came from, and the company stated that they did not find anything in their database.
Product: Credit reporting or other personal consumer reports

XXXX card services XX/XX/year> I didn't do this
Product: Student loan

I originally got this loan from the XXXX XXXX of Florida, in XXXX, Florida. It was originally serviced by XXXX XXXX. I had no problem with XXXX XXXX up until they joined/split/sold my loan to Navient. Who then said that I had to renegotiate my payment plan, and that I could n't simply continue paying what I was paying XXXX XXXX. At that time I could n't pay what they were asking me to pay, so there was literally nothing I could do to make them happy. I have continued to speak to them since the beginning of this year to try to set up a new payment plan and every time I try they always come up with some astronomical payment that I simply can not pay for. They say that it 's because my dad is my cosigner and that he should be able to pay for it if I ca n't. Most recently they have told me that I am so far past due that they can no longer set up a new payment plan for me because I 'm already getting " the lowest rate possible '' and if they were to change anything else on my loan that it would actually make the payment more, which totally makes sense, right?! I even point blank asked them, what makes them think that if I ca n't pay the lower {$100.00} per month payment, that I could POSSIBLY pay the actual monthly payment they want which is over {$160.00} per month?! It 's just NOT POSSIBLE! However, they continue to say that it is, even though in doing so would leave both my AND my father with just bout {$5.00} per week of spending money. Every time I call them I either get hung up on, transferred so many times that I have to give up, or am basically treated like some second class citizen and they are extremely rude to me just about every single time I speak to them. I literally do n't know what else to do. They have ruined my credit so I ca n't get another loan to pay them off with, I ca n't get another credit card for the same reason, and I just do not know what my other options are! I 've told them several times that I can pay the lower monthly payment, which would be {$100.00} or less per month, which by the way is STILL {$20.00} MORE than I am paying the government for XXXX other federal loans that I am paying on! They still will not accept my {$100.00} per month! They refuse, saying they can not help me! That is obvious that they ca n't help me! They can obviously only help THEMSELVES to MY paycheck!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX PM, my friend XXXX XXXX sent me {$20.00} for gas when I needed it. and it did not come through instantly how I expected it to so it went into a pending state. A couple of days later XX/XX/XXXX at XXXX PM. The same friend sent me {$100.00}. And it also went into pending XXXX days ago, XX/XX/XXXX at XXXX PM. My friend XXXX XXXX XXXX sent me {$160.00} and it also went into pending. This had never happened to me out of my XXXX years of using Cash app. This situation has not been resolved at all. I made multiple attempts more than XXXX : cash app support and also also email them more than XXXX times and they have not resolved the situation or have not gave me any updates on it. This situation has took a toll on my mental and well-being. I feel like Ive been violated and treated less of. My Cash app tag is $ XXXX. 

XXXX XXXX
Product: Checking or savings account

I recently opened a checking account with Chase Bank. I deposited a check from a well known XXXX XXXX office which was my deposit that they were refunding because I cant have XXXX now that Im XXXX. I deposited the check on XX/XX/XXXX for {$1900.00}. They put a 10 day hold on the check. I spoke to multiple customer service reps all giving different information as to why the check is on hold and when the funds will be released. I contacted the bank the check was written from XXXX XXXXXXXX XXXX and was informed that the check has already cleared their bank and there are no holds on that check. After multiple days of calling back and forth with Chase they will not release the funds until after the holiday on XX/XX/XXXX. They wont even release {$250.00} of the funds which is required by law.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my bewilderment regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. 
As you are aware, I have submitted the necessary documentation to the Federal Trade Commission ( FTC ) regarding these fraudulent accounts. Following this submission, XXXX and XXXX promptly removed these accounts from their records. 

I have also contacted the companies associated with these accounts directly, and they have confirmed the removal of the accounts from their records. Thus, I am perplexed as to why these accounts continue to be reported by your bureau. 

It is crucial to recognize that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only breaches this duty but also subjects me to further harm. 

XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Debt collection

XX/XX/2015 there were 2 Capital One credit cards opened fraudulently in my name. I alerted Capital One and they removed one of the credit cards for fraud, however they left the other credit card account with a balance of XXXX dollars on my credit report. I have disputed nonstop, weekly and monthly, I have filed XXXX  complaints, filed FTC reports and Capital One refuses to do the right thing and delete this account stating it is linking me to this account by the address XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX- I find this interesting as I called each of the 3 credit bureaus and they all told me I am NOT associated with the address XXXX XXXX  XXXX XXXX and that it has been deleted from all of my files for fraud. I will be attaching the letter Capital One wrote stating the account is being linked to me by that address so that you can see they are reporting wrongful and inaccurate information to my credit file. This will be the last time I try to resolve this with Capital One before I file a lawsuit as this account is causing me issues with financing and living my life because of this being on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries showing that I did not start or authorize. Im blue in the face for writing the credit reporting companies and they have not removed. I contacted XXXX and had them correct. They recommend I place a freeze on my XXXX account which I did XXXX of 2019. I explained this and demanded all three agencies send me proof that they rechecked with XXXX, which none have done so
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this issue on several occasions now and it is impossible to get fixed. 

Summary of Experian 's efforts below. 

XXXX, XXXX Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

The problem is Experian is not doing their due diligence. XXXX should have never been reported to by XXXX, therefore XXXX is not relevant nor should have any input. If you want to get to the bottom of the issue, Experian needs to contact the company that reported to XXXX erroneously. XXXX originally tried to collecting a debt that did not exist and then reported to XXXX. When I contacted XXXX they admitted it was not accurate and to cease collections and fix issue. XXXX is a completely bogus collection, because it only exist because of a XXXX error and not anything to do with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is ( XXXX XXXX ) I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my consumer report. 

XXXX, Equifax, XXXX, XXXX and XXXX XXXX broke the law in accordance with 15 U.S.C 1681a ( e ). Bankruptcy information is excluded from consumer reports pursuant to 15 U.S.C 1681c. I have the right to privacy of non-public personal information in accordance with 15 U.S.C 6801 and the right to know where and how to direct the disclosure of my non- public information and I'm exercising that right demanding the each CRA mentioned above permanently remove the bankruptcy from my nonpublic information on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian ... 

I have tried many times to log on and can not. Suddenly they do not recognize my birthdate, social security number, email and pin number. I have tried to reach a speaking human being because the " help signing on '' section of their website can't recognize me at all. Their automated phone call answering system does notifier the opportunity to talk to a human, and their automated answering service does not offer human connection options. so my question it, " Now what? ''
Product: Debt collection

Calls from XXXX XXXX at Allied Interstate phone number XXXX. I sent this firm a cease and desist letter on XXXX XXXX, XXXX. They did not comply with it as they started phoning me again on XXXX XXXX, XXXX about XXXX XXXX.
Product: Mortgage

My loan was put on a forbearance plan in accordance with the cares act. I started making payments 3 months ago and the lender wont bring it out of a delinquent state. I requested the miss payments to be added on to the end of the loan. They are reporting the payments as delinquent and it is listed as a possible foreclosure on my credit report.
Product: Mortgage

In a letter dated XXXX XXXX, 2015 Green Tree Servicing sent a letter to me stating the following : " ... we have started to take the necessary steps required by law to gain possession of the creditor 's collateral ''. The issue is this : As of the date of that letter ( XXXX XXXX 2015 ) the loan was only 8 days past due, they had a future payment on file for me for the month of XXXX 2015 and all of this was verified and confirmed with their customer service representative on XXXX XXXX, 2015. I find this overly threatening and an unnecessary aggressive collection tactic. I find this type of harassment unnecessary and worrisome and would like for some assistance with this matter to stop these threats.
Product: Checking or savings account

Hi, so Bank of America froze my account that I had several XXXX dollars in it and I was also using it to get my taxes deposited to and they kept my tax return also and that was several XXXX also. This was from XXXXXXXX  on my personal checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked numerous times for TransUnion to send me a signed copy saying I open the XXXX XXXX XXXX card and a copy of everything charge to that card. TransUnion has yet to send me those copies I did not open a XXXX XXXX XXXX card nor did I charge anything to a XXXX XXXX card. I need this proof sent to me or I need the account deleted from my credit report by law you must send me the copy and the proof this is my account.
Product: Debt collection

I was called by someone who said they are representative of Citizens Bank regarding past due commercial/business credit card. The individual ID 's himself as XXXX XXXX XXXX XXXX XXXX called me from a blocked phone number, admitted he was not recording the call, gave no mini XXXX, and refused to provide a contact number for customer service to log a complain until he was pressed for several minutes. When asked why had chosen to break the law and why the harsh tone he repeatedly said " is there anything else you need? ". Not only was this unprofessional but it is very illegal what this individual did. Money was levied from my business bank account and when I communicated about how I am a single father of XXXX children and trying to make it in this economy, XXXX XXXX said " so you chose to prioritize your household bills over the financial institution? '' When I replied " yes ''. He said that was a big mistake and for that he refused to return any of the money taken from my account and refused to work on any arrangement on the outstanding debt. The previous representative who did contact me prior to XXXX XXXX, name is supposedly " XXXX '', also did the same tactic and blatantly told me that it was his decision alone to make on whether the money would be returned to me or if they would work on a payment arrangement. And since I did not return his calls he wouldn't be working with me. I have spent over 15 years of my life doing collections on lines of credit, business cards, retail cards, personal loans, vehicle loans, etc. I never operated this way nor broke any of these laws. This individuals need to be removed from their current role as they still think it is 2009 and you can strong a consumer without any consequence.
Product: Credit reporting or other personal consumer reports

I checked my Consumer Reports and noticed that I had a late payment on an account that I was never late on. Consumer Reports agencies have taken on a vital role and are responsible for reporting Accuracy I have never been late on XXXX account payments XXXX Investigate and provide evidence with statements showing these payments were late if they can not be provided evidence I demand that these payments be updated on time as they should, as I have NEVER been late. Thank you XXXX information at its best with XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this formal request to dispute inaccurate credit information appearing on my report. As a survivor of XXXX XXXX, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to have the following derogatory items removed from my credit file. 

Disputed Accounts : 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 Balance : {$0.00} Under FCRA ( 15 U.S.C. 1681c-2 ), survivors of human trafficking are entitled to have negative credit information resulting from their victimization removed from their credit reports. I am formally requesting that TransUnion process the removal of these accounts in compliance with this law.
Product: Student loan

Good day, I am writing to request urgent assistance with an ongoing issue involving my federal student loan servicer, Mohela. Despite my repeated attempts to resolve this matter, Mohela has failed to take action, and it is now jeopardizing my ability to purchase a home and achieve financial stability for my family. 

Here are the key details of my situation : Forbearance Issue : My federal student loans have been in forbearance for several months. I have contacted Mohela multiple times via phone, email, and written correspondence to request that my loans be removed from forbearance so I can resume making payments. However, Mohela has not taken any action, and my loans remain in forbearance.

Public Service Loan Forgiveness ( PSLF ) : I am a public servant with now more than XXXX qualifying payments toward PSLF. I am on the verge of having my remaining loan balance forgiven, but Mohelas inaction is delaying this process.

Home Purchase : I am currently under contract to purchase my first home, a critical step toward providing stability for my two children, both of whom have special medical needs. Unfortunately, Mohelas refusal to remove my loans from forbearance is preventing me from finalizing this purchase.

Financial Impact : I am willing and able to make payments ( as low as {$1.00} per month under an income-driven plan ), but Mohelas failure to act is causing significant stress and instability for my family during an already challenging time.

As a public servant, I dedicate my time to educating others on food stability and community well-being. Yet, the very system that was supposed to help me achieve the XXXX  dream is now holding me back. With the rising cost of housing and the uncertainty in our economy, this delay is not just frustrating ; it is devastating.

I am humbly requesting the CFPBs assistance in resolving this matter with Mohela. Specifically, I ask for help in : Ensuring my loans are removed from forbearance immediately.

Expediting the certification of my PSLF payments so I can achieve loan forgiveness.

Holding Mohela accountable for their lack of responsiveness and action for not just myself but others in my same situation. 

Please do not hesitate to contact me at XXXX XXXX XXXX or XXXX if you need additional information or documentation. 

Thank you for your time and attention to this matter. I look forward to your assistance in resolving this issue so I can continue working toward a stable and secure future for my family and keep working hard to help others. 
Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

BY MISTAKE I SENT YOU THE WRONG FILE I ATTACHED A NEW FILE WHERE YOU CAN SEE THAT I WAS INELIGIBLE FOR CHAPTER XXXX BANKRUPTCY AND TRAN UNION CREDIT REPORT DENIES ANY UPDATE TO MY FILE APTER I TRIED SEVERAL INTENTS XXXX  AND XXXX  UPDATE MY FILES BUT TRANS UNION CREDIT REPORT REFUSE TO DO IT THE REPORT FROM THE COURT SAID THAT I WAS INELIGIBLE FOR CHATER XXXX BANKRUPTCY
Product: Debt collection

I signed up for a payment plan on XX/XX/2020 for {$50.00} to be deducted from my account on XX/XX/2020 as a part of a payment plan. I was told to call back every 30 days to keep making my payments. Despite making that payment on XXXX XXXX, Synchrony Bank on behalf of Paypal Credit keeps calling me multiple times a day, sometime not saying anything when I pick up. Today, when I picked up and talked to an agent he acknowledge the payment plan and that I was still current on it but said that because I still had a balance, they'll keep calling in between the due dates for the payment plan to get me to just pay off the {$400.00} balance. I have recordings of the XXXX XXXX call setting up the payment plan, copies of the XXXX XXXX payment, a recording of the XXXX XXXX call where they admit they'll keep harassing me until the entire balance is paid even if I stay current on my pay agreement.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to file a complaint regarding the loan and lease terms for items I purchased through Acima. When I requested the payoff amount, the quoted figure was significantly higher than the original price of the items. As the items were contracted as a lease, I asked about returning them but was informed this was not an option and that I had to pay for them. 

Following this, my payment amounts were increased without explanation, and I was subjected to harassment over these new payments. To make matters worse, Acima reported a charge-off to the credit bureaus for the leased items. These actions feel predatory, and I stopped payments because I believe I was treated unfairly.