23daVinci/CFPB_Complaints huggingface dataset:
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 U.S.C 1681.

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

15 U.S.C 1682 Section 604 A Section 2 : It 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 7 years. 

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

I have attempted to rectify this issue with EXPERIAN to no avail. The investigation opened on XX/XX/2022, # XXXX, has now been much over XXXX days as described for a resolution per EXPERIAN. The date is now XX/XX/2022 and the complaint is still opened. The account should be removed from the report per the following laws. 

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  ACCOUNT # : **** 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 XXXX 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/XXXX, the office of Federal Student Aid began providing the following temporary relief on ED-owned federal student loans : suspension of loan payments, stopped collections on defaulted loans, and a 0 % interest rate, retroactive to XX/XX/XXXX as I recall. 

Despite 0 % and no payments required, I have been paying each month since then. Despite my instructions, Great Lakes Student Loans has failed to apply my extra payments to the principal balance. They claim that they can only apply payments to interest until all interest is paid. This is in direct contradiction with what I have heard from you and from them when I have called in the past. They have applied some of my extra payments ( made prior to this past year ) to prinicpal when I included the extra payment in the autopay cycle. 

I believe they are acting in bad faith and refusing to apply my extra payments to the principal as they should because they never want me to be able to pay off this loan. I took out the original loans in XXXX with DOE via XXXX, 6 loans for a total of $ XXXX. Before I even graduated those loans were sold 2x and again 2x after I graduated. This meant my interest was capitalized ( and my principal balance mushroomed ) before I was even in repayment. I fully paid off 2 of the 6 loans right away, though it appears XXXX illegally kept those loans open with {$1.00} and {$37.00} balances. XXXX I was duped into consolidating onto the PAYE play with a fraudulent and now defunct company called XXXX XXXX XXXX XXXX. 

Despite paying since XXXX, and paying well all the real principal, I still owe 120 % of what I borrowed to to shady practices of servicers like this XXXX. 

I want them to do the right thing and apply the extra payments I have made from XX/XX/XXXX to XX/XX/XXXX to my principal balance. Should they fail to do so, I will have no choice but to pursue any and all legal avenues open to me. 

Thank you
Product: Checking or savings account

Am Having a Problem with Chime Account for some reason Purchase Something From XXXX {$110.00} and i return the item back to XXXX and They Received it back and i still havent gotten my refund for this transaction I contacted XXXX about this Issue and They confirmed they received the item back and it also shows on the tracking that the item was delivered back to XXXX XX/XX/2023 and XXXX Still Hasnt done anything about this and i contacted chime and filled a dispute and show for this transaction and chime still hasnt resolved my claim or do anything and i provided chime item return delivery tracking number for the return of the item and also screenshot of the return being received by XXXX and XXXX still hasnt responded to my claim : XXXX XXXX Tracking Number For the Return : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Well this all started when I got out of XXXX and I wanted to build my credit looked on my credit report and found a collection but it's not mine and during the time that they said that my collections were there was taken I was XXXX and lXXXX XXXX  and homeless I had no job no way of getting a loan they can't give me any information on who it was or just it was an online account and that and that's all they could give me I file do XXXX XXXX and XXXX since XX/XX/XXXX I've done it three times up until XXXX XXXX  the last time they they denied my disputes. XXXX in the other hand I can't figure out cuz I can't afford to pay for their site right now but they dropped the collections and I had them dispute it for me and I can't get any information on what this dispute said but it dropped off my credit report to them so I ' know fraud and they figured it out cuz I know it just brought. Looking at my report of that other thing other loans taken out of my name that weren't mine I've had my identity stolen since XXXX XXXX. When I talk to them they're giving me different dates and when the the loan was actually taking out but their dates is XXXX XXXX XXXXXXXX and they're trying to tell me it was a different time which is impossible because I was living in the desert in XXXX. I just wanted to tell you the attached file I sent you is a copy of my court records off of my credit report stating that I was XXXX at the time they're saying I took this loan out.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$880.00}, and XXXX XXXX Open Date XXXX XXXX, XXXX Balance : {$290.00}.
Product: Credit reporting or other personal consumer reports

I filed a complaint with the cfpb Complaint # XXXX XXXX About transunion not allowing me to view my credit report online. Their response was that the social security department reported me deceased. But transunion failed to mention this was the second time they had made this false claim. I have contacted the social security department and they assured me this was not true after I identified myself the social security department checked their system and there was nothing that stated I was deceased
Product: Credit reporting or other personal consumer reports

The credit agencies XXXX, XXXX and TransUnion are not authorize to use my identity to list the accounts, the accounts listed are an error. I do not lawfully owe the debt listed. Provide verification of claim against me ( a sworn affidavit ) and a copy of the signed contract signed by both parties binding parties to an agreement. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My account at Macy 's was closed without my knowledge, Macy 's also sent my account to an outside collection agency without providing anything to me in writing. When I contacted Macy 's to ask why I was told that because of my filing a chapter XXXX to save a property from foreclosure, Macy 's automatically closes the account, When I asked why my account which was not delinquent was sent out I was told that was the policy, I asked to be pointed to where Macy 's had these disclosures in writing? I was told that I could not speak to anyone else by XXXX XXXX and that was they way it was to call back. In reviewing the Rosenthal Act, Macy 's had a duty to notify me writing of their intentions furthermore, to send my account to a collection agency which will report to the bureaus and further damage my credit is illegal.
Product: Checking or savings account

I have been a Bank of America Customer for 15+ years. I made a mobile deposit of a check in the amount of {$10000.00}, check number XXXX, from XXXX XXXX XXXX to my Bank of America savings account ( last four is XXXX ) on XX/XX/XXXX. Within 5 minutes time a hold was placed with a message " Total amount delayed, available XX/XX/XXXX at XXXX XXXX  CT. '' My wife and I are busy professionals with children. We work as XXXX  who have, like many, risked our lives this past year. We never ask for special treatment, only to be treated with fairness and dignity. Bank XXXXf American has treated us with indifference and, frankly, by doing so with disdain. 

We took out an IRA distribution from XXXX XXXX, {$10000.00} to pay for needed medical care for a family member, which had to be paid by XX/XX/XXXX. The check is from a major financial institution - XXXX XXXX. There is absolutely no valid reason for Bank of America to hold these funds. I was informed by the telephone service rep " The deposit is too fresh '' and advised to call again the next day. This is after waiting 35 minutes to speak with her the first time. Now I should cancel patients and dedicate what? ... .an hour to try to mitigate this? Unlike Bank of America, I do not treat others with indifference and disdain - either passively or actively. 

B of A never seems to fail to capitalize on an opportunity let people down when there are in a time of need. I should have predicted this situation. In this manner, I hold some culpability. I plan to share this story with all my colleagues in the XXXX  and XXXX XXXX  I hold a XXXX  position with. If I practiced XXXX  the way Bank of America 'practices ' its banking profession, I would lose my license and likely be prosecuted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I sent a letter to dispute the late payments shown on my credit report which they signed for on XX/XX/2018. I DID NOT receive a response within 30 days as required by law. They also DID NOT mark the account as disputed within 30 days as required by law. They have not followed the FCRA and the negative remarks need to be deleted.
Product: Mortgage

i got an overdue payment reporting on my account i was overdue but mr cooper didnt make me aware of this till after i nade account current and guy i talk to there said there is nothing he can do he should be able be able to change history to current all im asking them to do is remove lare payment which i never knew was late i paid the amount due on account which they could of rejected so i wouldve known the amount was incorrect which they didnt do. also i never received a call from them informing me i was late they took payment and never notified me of anything
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCURATE performed a background check on me for clearance to enter a building owned by  XXXX , where the new  XXXX  offices will be housed. The background check indicates that I have an  AKA  of  XXXX   XXXX , which is incorrect. This name has showed up on past credit reports. Ther e may have been a likeness of social security numbers resulting in the error, or it may h ave been someone trying to obtain medical coverage or other type of identity theft.     Second, the report shoes incorrect timeframes for my residing at  XXXX  addresses. Although I did reside at those places, the time was n't for the duration shown. There were other addresses in between.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX Account : # XXXX, From : XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Truist says I owe them but I found out I had XXXX XXXX..they are messing my credit report up can you help me please..
Product: Credit reporting or other personal consumer reports

FCRA 605B appears to require the elimination of any erroneous accounts from my credit report. Could you review the documents? Some of the listed accounts inaccurately report amounts and dates.
Product: Mortgage

I am filing a complaint against Residential Credit Solutions , Inc. ( RCS ) for three actions related to my loan. First and foremost RCS withheld {$630.00} of my money that I had paid into my escrow account when they transferred my loan to a new servicing company ( XXXX XXXX XXXX XXXX XXXX, hereafter XXXX ). Second, after RCS sent me a transfer letter and XXXX sent me a statement for my XXXX payment, RCS sent me a XXXX mortgage statement. Thus, I am being billed twice in one month by XXXX companies for the same mortgage. Third, RCS instituted an improper increase in my escrow payment that occurred in XXXX, 2015. I have provided detailed supporting evidence in attachments.
Product: Credit card or prepaid card

Back in XXXX I noticed that I had a payment safeguard fee on my statement. I called and asked what it was for. They explained it to me and that I didnt qualify for it since Im considered XXXX XXXX. Nor did I ever ask for it. They ended up reimbursing me for all the fees they had charged me. and recalculated all the interest since it would make my balance smaller after taking the fee off. I didnt think nothing of it and kept paying my bill after they refunded me and all these years only to find out that after they refunded me all that money the following month after the refund they started charging me all over again. I didnt catch it until XXXX since I was taking care of my sick dad until he passed away. But I kept paying on my bill. I called them to ask them to reverse all the charges and they wont do it. I called them for numerous months and tried to get this resolved and to no avail they wont do it. I talked to a man in the escalation department and it sounded like he was going to get it taken care of but never heard back from him. I thought every person that I talked to understood it was their mistake and I ended up paying for their mistake. I feel that I should be reimbursed for all the charges since they did it before and I dont even qualify to use the benefit. I told them I didnt want it when they refunded the charges the first time. I have all my statements to show the refund and then the following months all the charges that they gave me. I have a limited amount of income and dont think its fair for me to have to pay for their mistake. The refund amount back in XX/XX/XXXX was for {$1100.00} that included them recalculating the interest. The amount from XX/XX/XXXX to XX/XX/XXXX for the the fee is {$440.00} not including the amount of extra interest they charged for the higher balance due to the fee being on there. I would like this matter taken care of as soon as possible. I called from XX/XX/XXXX till XXXX or XX/XX/XXXX. Since they refused to take care of this matter I ended up getting all my statements that were needed to show proof of what I was talking about. That took a little bit of time since I had to request the older statements only 12 at a time. I would appreciate any help you can give me in this matter. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists 15 USC 1681i ( a ) 1 15USC 1681i ( a ) 6 ( B ) 3 15USC 1681i ( a ) ( 5 ) B 15 U.S. Code 1681 ( s ) -2 states that any payments during covid-19 are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, New York, XXXX SS # XXXX Debt Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX : Collection Account # XXXX To Whom It May Concern, I would like to file a complaint against Simons Agency who has reported negative information to credit bureaus. I mailed them a certified letter on XX/XX/XXXX and requested them to validate my debt, identify the original creditor and provide me with competent evidence of this debt. 

Till today 's date they have not been able to provide me with any kind of evidence. I called them on XX/XX/XXXX and spoke to XXXX XXXX at XXXX - XXXX XXXX. She was unable to provide me with any kind of evidence. Again, I called on XX/XX/XXXX and spoke to someone name XXXX and got a run around. There tactics are so misleading and should be investigated. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Remove all these inquiries and XXXX collections off my report thats not mines I have no knowledge of these unauthorized inquiries and collections thats been place on my credit report by a unknown source I ask for these to be be disputed and removed permanently off my credit report from all XXXX credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX
Product: Student loan

Good Morning, I am writing you today in hopes to obtain some debt relief. I attended XXXX XXXX in XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. While attending XXXX XXXX I was given false information in regards to job placement, salary, and loan amounts. After graduation I had not help with job placement and advertised and now the school is closed down. After hearing this news I tried to obtain copies of my Official transcripts, but what was sent to me was completely the wrong program and dates. I am now left with a useless degree, wrong official transcripts, zero help from the school since they are closed now and a mountain of debt for a useless degree. 
Recently I found out that my may be able to have a federal loans foregiven, but they are mostly paid off now. I am hoping to make contact with Wells Fargo and See what my options are for forgivness or partial forgivness. I have found a few articles to help support my argument. 
XXXX
Product: Credit card or prepaid card

On XX/XX/2021, Wells Fargo was contacted to let them know about unauthorized transactions on my credit card. They opened up a dispute and on XX/XX/XXXX, they denied to resolve the claim in my favor. With advertisements that state " you are not responsible for any unauthorized purchases made on your card '' it is misleading to the customer that the bank will protect the interests of the cardholder in the event the card is used for an unauthorized transaction. 

The following transactions are the ones that WellsFargo has refused to resolve : XXXX XXXX XXXX CA XXXX, $ XXXXClaim NumberXXXXStatus : Temporary Credit Transaction, XXXX XXXX XXXX CA XXXXAmount XXXX $ 414.89Claim Number,XXXXStatus : Closed - Dispute Declined Transaction, XXXX XXXX XXXX CA XXXXXXXXAmount, $ XXXXClaim NumberXXXXStatus : Closed - Dispute Declined Transaction, XXXX XXXX XXXX CA XXXXAmount, $ XXXXClaim Number,XXXXStatus : Temporary Credit Transaction, XXXX XXXX XXXX CA XXXXAmount, $ XXXXClaim Number,XXXXStatus : Temporary Credit Anyone with eyes can see that this is suspicious activity. I have had this card for over a year and I make purchases all the time with it. It is not difficult to see a customer 's spending habits, where they spend, how much they spend etc etc. Needless to say, this spending is unusual and should have been flagged by their fraud prevention team. 

The reason for denial is because I have made purchases with this merchant before. ANYONE who has ANY XXXX products, will have made a purchase with XXXX. But i spend $ XXXX/mo on subscriptions. Not {$2500.00}!
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity has been compromised.
Product: Checking or savings account

Chase bank XXXX XXXX XXXX XXXX XXXX Closed one of my account without my knowledge Talked to the bank representatives they said my account was closed by the company and did not give reason why? 
They took my {$500.00} balance They closed my account on XX/XX/2024 They said they wrote a check to me Until now I have not receive it This is un acceptable for a bank to act like this. 
You guys should hold this bank accountable for there action!!! 
No one informed me why they closed my account! Where is money???