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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX : - ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX OF XXXX Inquired on XX/XX/XXXX ; XXXX XXXX OF XXXX Inquired on XX/XX/XXXX 2022
Product: Credit reporting or other personal consumer reports

I am formally disputing any unverified or inaccurate information in my credit report, in accordance with the FCRA and Metro 2 data field reporting standards. I can not accept any claims of delinquency or derogatory marks without factual documentation, as this would violate federal and state regulations that require accurate and comprehensive reporting. It is concerning to see such potential violations of the law.
Product: Credit reporting or other personal consumer reports

I was unaware of an account opened in my name. Im a victim of the XXXX breach as well as identity theft. Ive disputed it with all XXXX credit reporting agencies and its coming back as a charge off? The non credit debtor is refusing to comply with the law even though they have stated they are not a credited debtor still report on my credit report since opened XX/XX/XXXX account # XXXX and Account # XXXX opened XX/XX/XXXX Recently I found out it was a account that was opened for XXXX XXXX that I never gave authorization so when I called XXXX months ago they said they would fix it and have it removed but never did and deprived my family of opportunity because of this I asked for proof of the account and how it was opened in my name and didnt receive anything on that other than this company verified it was me that opened it some how. I dont know where it came from and I dont have an explanation of that either. I never received mail, a phone call, or anything from this company how was I supposed to know about this? I noticed it XXXX of this year on my credit reports and now it looks like it reported numerous charges off over XXXX XXXX charge offs on this amount of less than Ive asked for proof of everything and nothing is getting done, its making it worse. 
On top of that other hard inquires I never accessed Ive contact these companys whos said I dont have accounts with them still report on my credit report and Im lost for words no one will help me I have given documentation verification that has been valid claims for deletion and be compensated for these multiple repeated violations The unknown hard inquire accounts I mentioned are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The XXXX XXXX XXXX XXXX XXXX XXXX All of these are scattered across my updated credit report from diffrent bureaus which is a definite sign my information is not being looked into and properly investigated like it says it should be done and XXXX XXXX deprived of my rights and freedoms at this point
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a bed to try out for XXXX nights and I did not like the bed so I had the bed picked up with no charge to me. The bed company use XXXX XXXX XXXX XXXX XXXX fl. XXXX XXXX XXXX CA. for there loan Co. I was never billed by XXXX XXXX at any time when I was on my trial time for the bed. I never paid any one no money at any time for the bed. XXXX XXXX said I made 3 payments to them, Frist one in XXXX, XXXX in XXXX & XXXX of 2017 they say I was 30 days Late. I got the bed to try out in XXXX of 2017 the first and the bed Co. picked the bed up on XX/XX/2017 that is 104 days. XXXX XXXX said my loan was for {$920.00} Open on XX/XX/2017 and closed on XX/XX/2017, I just want XXXX XXXX to take the 30 day late off of my credit report at Experian its been giving me a bad report and hurting my good credit.
Product: Student loan

I am writing to formally complain about the continuous and unresolved issues I have been facing with my federal student loan repayment plan. Despite repeated communications and assurances, my account has not been updated to the Extended Repayment Plan as requested, causing significant financial strain and distress. 

In XX/XX/XXXX, I contacted Mohela to request a change from the Standard Repayment Plan ( $ XXXX ) to the Extended Repayment Plan ( approximately $ XXXX ). I was assured that the request would be processed. However, despite following up in XXXX, XXXX, XXXX, and XXXX, I am still on the Standard Plan, paying $ XXXX since the student loan pause ended. 

Each call involves a considerable time commitment, averaging 2 hours, only to be informed repeatedly that my request is being processed. On XX/XX/XXXX, after an extended call and a transfer to an account specialist, the call was disconnected without resolution. This pattern of unaddressed requests and lack of accountability is unacceptable. 

As a new XXXX with a child to support, the difference of around {$230.00} in monthly payments significantly impacts my financial situation. I have made more than five attempts to resolve this issue, all of which have been unsuccessful. 

I urge Mohela to take immediate action to : 1 ) Review and update my repayment plan to the Extended Plan as initially requested. 

2 ) Provide a detailed explanation of the delays and a clear timeline for resolution.
Product: Credit card or prepaid card

The company never informed me that the account wouls be closed. I just received a new credit card for the account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX XXXX XXXX XXXX that was awarded to my wife in our divorce on XX/XX/2014. I notified the bank and they were suppose to stop reporting on my credit report as I was no longer responsible for the account. They continue to report this account as a charge off since my ex wife let the account go. She original owed {$7200.00} she paid about {$770.00} because now the balance is {$6400.00}. I have n idea if this balance is accurate as I have no contact with my ex wife.I have written to all three bureau several times asking for the removal of this account and have even provided a copy of my divorce decree for them.
Product: Credit card

I purchased season tickets for the XXXX XXXX for the season of XXXX and I used those tickets to attend some of the games I could make it to. However without knowing I signed up for future tickets using the Discovery Card I have and I was charged {$3200.00} for season tickets. This was for the following year and I never attended a single game and I wasn't aware I signed up for future tickets. I spoke with a gentleman from the XXXX organization and he informed me I needed to speak with a Manager and I sent her a letter by email, her name is XXXX XXXX. I asked could they resolve the matter and it wasn't resolved so spoke with the credit card company 10 days later as I was instructed. I originally spoke with a credit card representative and the amount was taken off. However, due to some circumstances beyond my understanding the amount was placed back on my account. I spoke with a representative a couple of weeks ago and I was told to contact CFPB and then forward correspondence to Discover and this will help me in having the debt removed. I contacted an organization but it was a different organization of attorneys that advised me to write a letter and go to there website and complain. I hope I might be able to receive some resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had several inquiries added to my report over the last several months that I didn't approve and that I am unaware of. It shows I was a part of a dadt breach from equifax and XX/XX/XXXX. I contacted the police last year because I received a random call from somebody saying I had accounts open In Texas which wasnt true. Now I'm showing inquiries on my report like someone is trying to put something in my name I've also contacted the police again about this they have told me they can not do anything about inquiries because they can't prove anything was actually stolen from me. I've also contacted the credit beureas and transunion and equifax says they can't do nothing without a police report, but the police said they don't make reports for situations like this. 

The inquiries are Factual Data XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Please help me remove these inquiries and further protect my report from this information being exposed. I have not opened any accounts in my name or attempted in the last 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this credit card, continental finance, that was opened in XXXX and its listed on XXXX under 2 different names. The names are XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. While on XXXX and XXXX its listed as XXXX. I wanted to know how could I go about fixing this issue and if the credit card could report my status, because its showing the last update was in XXXX.
Product: Debt collection

I have had literally a series of unfortunate events from loss of job, eviction and then being hit head on by another driver on top of fighting XXXX. I have tried to explain this to Khols and each time they claim they understand and then try to collect payment that I unfortunately just do not have at this time which also makes me sad. Since XX/XX/2018 they have called 38 times and Im sure they will call again multiple times today. It is extremely stressful battling everything that I am and not only causing XXXX but making XXXX flare.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

On XX/XX/23, I initiated contacted with Nelnet, the new service provider for my federal student loans. Upon creating an account, I noticed that Multi-Factor Authentication was not offered during signup, and not available for configuration after signup. I asked Nelnet about their password policy, which limits passwords to 15 characters, as well as only offering the inclusion of only six special characters within their passwords, as well as the lack of MFA. 

Specifically, I said, " Why is MFA not an option, and why are passwords limited to 15 characters? '' Their response : " There is a mulit factor authentication, you have to pick a picture, when you set up the account. I apologize, that I can not answer this better for you. '' My response : " That's not Multi-Factor Authentication. That's user validation that they're logging into the correct account, not the same thing. If I was a threat actor, it would be simple to just _ignore_ that. '' Their response : " I get where you are coming from, do you have any other questions? '' My response : " What will you do with this? '' Their response : " You do not have to sign up for XXXX. If you are not comfortable with the process then you more than welcome to call in for questions on your account. Nothing will be done with this chat, you can save it, if you want and XXXX is the online login. '' I then linked https : //www.consumerfinance.gov/compliance/circulars/circular-2022-04-insufficient-data-protection-or-security-for-sensitive-consumer-information/, which lists the requirements for MFA. 

I then let them know that they'd informed me as an agent of Nelnet that they're not going to do anything, so I'd be contacting the CFPB regarding their disregard of the security requirements for accounts. 

Their response to this : " They have a security image as well as a password on a secure website. If they have an issue with that you can file a complaint for them. What we have is not violating anything, if it was we would have change it already. '' This is highly disturbing, in that they are a large service provider for federal student loans.
Product: Debt collection

I called Jefferson capital ask them for all contracts that was sign I ask them if car was sold at Market value not a Auction I need the Information for that lady told me it was sent I told her I never received anything from yall I told her I did not Authorize the sale and use of my Personal Information my Social data of birth did not give them right to us it the woman did not want to send me all the documents I asked for JEFFERSON CAPITAL SY XXXX Still on my credit report after that said they will delete
Product: Credit reporting, credit repair services, or other personal consumer reports

All of my credit card accounts are incorrect. The balances reported are from 3 or more months ago. A new account was added today XX/XX/22 that was added 6 months ago. There is a credit one with a {$500.00} limit on my credit that shows and I have no knowledge of this account. All of my balances are reporting months late and my husband is on the same cards and his reports on time every month. I have spoke to the card companies and they are reporting on the close date every month.
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX my bill of {$66.00}. did not come through when I made the payment. When I notified the money didn't come out of the bank I decided to reach them out. The representative told me I was two months late and I should pay the minimum payment of {$150.00} to bring your account up to date. I told her they didn't notified me of the rejection she apologies and told me if I pay full balance of the account with her she will adjust the late payment fee and also will remove the late payment from my credit report. They adjusted the late payment fee but didn't remove the late payments from my credit report. I reach them so many time and explain the situation. They always told me same if I don't have a letter from them there is nothing they can do or that the late payments is accurate. I now can not get a mortgage because of this mark of my credit and the company will not help me with this unfair situation.
Product: Checking or savings account

I went on FMLA with my work and I was short on funds to cover an OD on my account. I advised USAA of this FMLA.
Product: Credit reporting or other personal consumer reports

Credit Bureaus selling my clients credit information when I pull their credit without permission. Angry clients call me as soon as I pull a formal mortgage credit report when helping them apply for a mortgage. Other companies blow up my clients phone with nuisance calls, blocking their business without authorization. Credit bureaus selling my clients contact information without my client 's permission abuses my clients rights to conduct their financial transactions privately. And impedes my business. To obtain any financial information on a client I must get their permission in writing. Credit bureaus draft off of my legitimate, permitted business to make a buck. It's unacceptable and should be blocked.
Product: Credit reporting or other personal consumer reports

I have received a copy of my credit report and noticed that there were several inaccuracies and unauthorized information reporting to my credit report. These remarks have been so dissatisfying to my credit and life.
Product: Credit reporting or other personal consumer reports

I am formally disputing the inclusion of an accounts on my personal credit report, as it violates consumer protection laws. 

These are a business accounts, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only accounts for which a consumer is personally liable should be reported. Listing these accounts as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXXXXXX 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 XXXX
Product: Credit reporting or other personal consumer reports

These inquiries don't belong to me, nor do I have any connection with the mentioned creditors.
Product: Checking or savings account

On XX/XX/XXXX I opened up a checking account with old national bank under a promotion stating '' 1Offer is non-transferable and is not available for XXXX XXXX XXXX. MAILER OR EMAIL WITH OFFER MUST BE PRESENTED AT ACCOUNT OPENING TO RECEIVE THE BONUS. To receive the bonus if opening checking account online, the account must be opened using the XXXX link. Account must be opened by XX/XX/XXXX. {$50.00} minimum deposit required to open all accounts. {$200.00} bonus will be deposited into the checking account after automatic direct deposits totaling {$500.00} or more AND 10 Old National debit card transactions ( ATM withdrawals are not eligible ) are received within 75 days of account opening. Account must be open and in good standing at the time the incentive is paid. Bonus valid for ONB Everyday, ONB Preferred and ONB Classic. ONB Preferred and ONB Classic earn .01 % Annual Percentage Yield ( APY ), accurate as of XX/XX/XXXX, and may change after account is opened. Additionally, fees may reduce earnings on the account. Not valid with any other Old NationaXXXX offer. '' I met all of the terms completing a direct deposit on XX/XX/XXXX and completing 10 debit card transactions on XX/XX/XXXX. I followed up with the bank on 3 separate occasions via phone calls and I still they still have not honored the terms of the promotion.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to address my dispute regarding unauthorized inquiries within the legally mandated timeframe. On XX/XX/XXXX, I sent a detailed and time-stamped dispute letter ( attached ), supported by an FTC Identity Theft Report, requesting the removal of specific unauthorized inquiries from my credit report. Despite providing clear evidence and following proper procedures, Equifax has failed to acknowledge or resolve the issue. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), Equifax is required to investigate and correct disputed information within 30 days. It has now been over 90 days, and no corrective action has been taken, which constitutes a clear violation of the FCRA. The following inquiries were unauthorized and must be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My complaint is regarding multiple overdraft fees I have incurred through Navy Federal Credit Union. Due to the lagged posting of charges and credits I received several overdraft fees.This aligns with the recent findings by CFPB against Navy Federal for similar practices. I request an investigation in the account due to the unfair practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am super frustrated, this is my 3rd complaint. Take action Please. I purchased a home using XXXX XXXX, they provided Down Payment Assistance tthru Texas-see attached page. I was aware it would be recorded as a second lien, I was not aware it would be reported as an open debt that never goes down, it is affecting my credit rating downward, I was told by a lender that it reports like a collection, just an unpaid bill. I contacted the servicer and they have just ignored the situation. I need this loan dismissed as paid in full or removed from the credit bureaus with no derogatory remarks. I am so frustrated I thought I should just start paying it off, nope they make that also super hard. I can't use their website to pay safely and when it's convenient. Nope I need to call them and work pout some arrangement. The first mortgage is actually a mortgage, this second lien reporting is ruining my credit, I never agreed to this, there was no disclosures regarding any credit reporting of this second lien. My latest correspondence, rest assured it is still on my credit report. 

From : HOL-HomeLoanServ XXXX Date : Fri, XX/XX/2020 at XXXX XXXX Subject : RE : Borrower Connection Contact Email From XXXX XXXX . Loan # : XXXX. Subject : MakingAPayment To : XXXX XXXX Hello, The only way to make a payment on this smaller second deferred loan is to pay over the phone with customer service at XXXX or to send a check with the loan number to the address : HomeLoanServ XXXX XXXX  XXXX XXXX, ID XXXX Make sure your loan number, your property address, and your phone number are listed on the check. 









XXXX XXXX | Customer Service Rep I HomeLoanServ XXXX XXXX XXXX, XXXX, ID XXXX Phone XXXX or XXXX XXXX From : XXXX Notify XXXX Sent : Monday, XX/XX/2020 XXXX XXXX  To : HOL-HomeLoanServ XXXX Subject : Borrower Connection Contact Email From XXXX XXXX. Loan # : XXXX. Subject : MakingAPayment Name : XXXX XXXX Email : XXXX Selected Loan Number : XXXX All Loan Numbers : XXXX, XXXX Subject : MakingAPayment Message : I want the ability to pay towards the second mortgage online, please make it happen
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer dispute. I am very stressed and concerned, i have been sending letters before this and still no response.