23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX. 

Account Name : XXXX  Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX and list of Inquiries 15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX 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. XXXX ( 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 check my credit report and notice some things that shows inaccurate information. These accounts are stopping me from getting a loan approval. The account listed below should be deleted on my Credit report. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Would appreciate you helping me here. Thank you. 



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

According to the FCRA, in 15 U.S. Code 1681b ( e ) ( 6 ), failing to maintain reasonable procedures to keep a joint notification systems with other consumer reporting agencies is a VIOLATION. 
TRANSUNION has done this violation on my consumer credit file ( see attached files comparing TRANSUNION to XXXX ). TRANSUNION needs to delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my consumer credit file. 

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

I'm trying to buy a house and can't unlock/remove a credit freeze. I tried to log into my account to unfreeze, see my credit score. I sent a request to reset my password every day for 3 days ( XXXX thru XXXX ). TransUnion never sent any emails to reset password. On the XXXX day ( XXXX ), I called customer service twice in one day requesting to reset my password. I was told that the online portal to reset password doesn't always work and they would send me a temp password via email in 5-10mins. I never received any emails to reset my password. I requested they try both my email address. Still no emails to reset. I made comment that something is wrong with their system and was told : There is nothing wrong with our system, it's on your end. I was receiving emails to both my email accounts from other people/businesses as I was speaking with agents. Transunion is refusing to send emails with password reset options to access accounts.
Product: Student loan

To whom it may concern ; I have been working with AES, the loan servicer. The loan lender is the National Collegiate Trust which is a private lender. I called the servicing company, AES to seek help with my student loans, the company was resistant to work with me regarding my student loan payments. Not only were they reluctant to work with me, I wastransferred six times and told that the department supervisor would call me. I then contacted consumer advocacy to try to get someone to work with me. 

I understand that I took this loan, however, I feel taken advantage of. Considering the loan was originally through XXXX bank, in which I trusted. The contract was complicated and sent to my parent who also may did not understand the details. I was their first child to go to college and it seemed like it was our only option. I feel taken advantage of, similarly to the housing crisis 10 years ago, or those who took XXXX XXXX student loans and were unable to pay them off due to interest being compounded. 

This loan seems to be predatory to the middle class and those who do not have the proper education to make the financial decisions. While we ( my father and I ) did sign this student loan agreement and the company works within the bounds of the law, I believe they are victimizing many middle class Americans who are unknowingly or uneducated students looking to get an education that will better their future. 

To outline the financial burden I have acquired, my original loan was for {$32000.00} in XXXX, Since I have taken out this loan I have paid over {$10000.00} in interest and paid {$10000.00} towards the principal, so a total of over XXXX dollars in payments. Despite these payments my outstanding principal balance as of today is {$36000.00} and my payoff amount for XXXX/XXXX/XXXX is {$39000.00}. I have never defaulted on a payment. I did have a period of forbearance while finishing my bachelors ' degree. 

Personally, this debt seems like XXXX that I can not get out of. I pay and my principal balance continues to increase. There was a period of time that I payed {$1000.00} per month to try to get ahead and yet, my principal is still higher than the original borrowed amount. 

I am concerned for middle class families in the future with this company and the principals they operate under. While I fully understand my responsibility to make payments, I am concerned that student loans are victimizing young, middle class people with good intentions. 

I have worked with AES consumer advocacy, and they have tried to contact the lender to try to negotiate a payout. The lender National Collegiate Trust refused to respond. I am also concerned that I am not able to contact the lender. I have to rely on the ability of intermediates to discuss anything. 

I wanted to file a formal complaint about this company for two reasons. One, to be able to have a conversation with them and negotiate a settlement. And two, to advocate for financial protection of the upcoming generations. Thank you for your time. 

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

In accordance with the Fair Credit Reporting act, 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Since 2017, XXXX XXXX and XXXX XXXX XXXX say i owe {$23000.00} dollars when i don't. As a result i have been denied 2 mortgages. I filed 3 disputes with XXXX and equifax and supplied court documents. XXXX removed that alleged debt from my credit report. The debt is not mine, and/or not truthful. I even submitted the court documents to equifax and XXXX and XXXX XXXX XXXX I have no judgements against me from anyone. 

The refuse to remove it.
Product: Credit reporting or other personal consumer reports

I am currently involved in XXXX different data breach lawsuits and a victim of identity theft. I see there is all the way around inaccurate and FRAUDULENT reporting even regarding medical information just within last XXXX years which also falls within the time frame of identity theft and breaches, and I am XXXX XXXX XXXX. The reporting companies are all from life insurance companies, not XXXX specific physician, clinic nor hospital is listed on the MIB report to show for me as the consumer to legally dispute with them more specifically. I want ALL information removed immediately. It is unauthorized and fraudulent and not my medical information that is being reported within this database. I do not have XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX related nor anything called XXXX XXXX I am respectfully requesting for this all to be removed immediately. All of the reporting companies are insurance companies and not one is reported from an actual specific medical professional/ practice and clinic and all of which primarily in this year, which is insane in itself. Also there are statements in the MIB saying these disorders were reported from me as well as clinics, hospitals etc, of which are all falsified. I also request information on the specific hospital, clinics and physicians that this alleged reporting came from as indicated within the MIB file as well that again doesnt list specific physicians, clinics etc that shared this information. This potential escalating situation caused several unreasonable life insurance denials as to the many listed inquiries on MIB report. I was unaware of why in the beginning, now I am in the know. 
The next step here is hiring an attorney for legal representation in this matter and also submitting information to the FTC. I Thank you for your attention in this serious matter.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app due to inadequate and unfair practices which violate customer financial protection acts. Cash app failed to take timely and efficient measures to prevent fraud on their platform leaving my account vulnerable and unprotected.
Product: Credit card

Indigo Master card gave me {$300.00} line i told them is not fair to charged me {$75.00} i closed my account they refused reversed my {$75.00} annual fee back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get XXXX card to remove an account that is listed on my credit. It is not now, nor has it ever been my account. I have put more then the recommended amount of effort into it. I have at this time exhausted all resources, all abilities, and it is to no avail. Please help me get XXXX  to remove this account that does not belong to me.
Product: Checking or savings account

I would like to file a complaint regarding multiple overdraft fees that were applied to my account. These fees were given regardless of the sufficient funds status on the account at the time. The delayed charges caused overdraft fees on the account. This issue has been acknowledged by other account owners and recent findings from CFPB.
Product: Vehicle loan or lease

Global Lending Services LLC. I received a check from my insurance company for {$2200.00} to fix some damage on my car after a tire blew. I called Global Lending and spoke with them about losing my job, and the insurance check. I told him I didn't have the money to fix my car since there is a {$500.00} deductible. They told me if I endorse the check, send it to them, they would use part of that check to get me caught up on my payments, and cut me a check back for the rest. That way I could get caught up on rent and utilities & actually buy XXXX gifts for my grandchildren as well. In good faith, I did this and sent a letter with the check about the phone call. About a month went by without a word. I found out they had cashed the check, hadn't called me, and hadn't applied it to my balance. I spoke with them at least 10 to 20 times over 3 months explaining the check and what I was told. One conversation with them they were able to see the check, tell me the amount and the check number, and told me it was put into an account for me for when I fixed my car. I went over again that I can't fix the car & what they told me to do with the check. She told me the person over that account was not there and would call me back tomorrow. This never happened & every conversation with them is as if we never talked before. Now, as of yesterday XX/XX/XXXX, a very rude and condescending manager named XXXX, at GLS was accusing me of lying about this check and telling me there isn't a check at all. I called XXXX XXXX my insurance company, they verified it had been cashed and deposited by Global Lending on XX/XX/22 and gave me the information & account number it was deposited into Etc. When I called XXXX back to give him the information, he wouldn't take it & gave me a generic email for customer service which is something I've tried before and gets no result, and told me to send it to that email. He continued to threaten me with repo & act like I was lying about this check and was very condescending again. At this point I have sent the information to the email, and I'm waiting to see. Unfortunately, if this doesn't get resolved soon, XXXX threatened that they would come and get the car at the end of the month, and it's XXXX already. XXXX also stated that IF there was a check, they would have already applied it to what I owe and get me caught up.
Product: Bank account or service

I was XXXX of an organization, XXXX XXXX XXXX from XXXX XXXX. I turned the organizations checking account over to the new XXXX XXXX XXXX. However, I did not remove my name from the account because I was in the process of filing embezzlement charges against the XXXX during my tenure. The XXXX was suppose to close the account and open a new account. The new account was opened and the XXXX made personal charges on the account. The XXXX did not pay the account so they sent correspondence requesting that I pay the account. Upon explaining to the lawyer of Brock and Scott the situation about six months ago, that this was an organization I had not been apart of it since XXXX, the lawyer agreed with me. The lawyer form Brock and Scott sent a letter to me acknowledging that I did not have anything to do with the account as such my name would be removed. The XXXX failed to pay the account and earlier this month, I received a Warrant in Debt along with the XXXX for the amount plus attorneys fees. The lawyers will not take my call and keep saying that XXXX has made arrangements to pay by XXXX/XXXX/XXXX. This should resolve the debt. The problem I have is that I should not be a party to this debt regardless of what happens. Brock and Scott only sent the communications regarding this settlement to XXXX and not to me. These communications contained my Personal name and address. So now they are only communicating with the XXXX and not me but sending emails and letters addressed to me to the XXXX. This is a violation of the law and I want my name removed as previously indicated by Brock and Scott. The XXXX even signed a statement acknowledging that the debt is his. This was sent to the Brock and Scott but I have not received any response. To date, I have requested all correspondence sent to me about the debt from Brock and scott but they have failed to do so.
Product: Credit reporting or other personal consumer reports

Web bank ( XXXX ) and XXXX XXXX XXXX are reporting the same collection. 

Web bank, account number XXXX. 

XXXX XXXX XXXX, account number XXXX. 

XXXX reported due for both {$280.00}.
Product: Debt collection

This company has been harassing me for weeks. REpeated calls, texts, threats about getting an attorney. I have asked them to stop contacting me and i received a phone call about me asking them to stop calling me. 

I have also told them if they didn't stop i would be reporting them to CFPB and they called me about that. 

They call from multiple numbers and the texts and calls continue to tell me they have my social security number and documents and to contact an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

Told to stop paying creditors as Lighthouse Finance would manage accounts and seek settlement. Wasn't told I must default on accounts! 
Complaint Telemarketer / Representative should have stated you must become delinquent and default on accounts for settlement process to take place. 
Very misleading. Requested to cancel ...
Product: Debt collection

On or around XX/XX/XXXX or XX/XX/XXXX I think not percent sure but I went to MG Credit here in my city of XXXX FL and I spoke to a XXXX XXXX male, at a house where when I walked in there were dogs running around so I 'm not sure if they were a business or not.But I saw a new debt on my credit report regarding a gym membership and announced who I was and that I may know about debt but was n't sure.i ask if I can pay for delete and get a letter before I make some kind of payment but he insisted that I pay first then he would give me a letter and delete information.It sounded sketchy so I left.As I walked out of door I also thought to myself that they never sent information in the mail nor validate the debt showing that I 'm obligated to pay MG Credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had this credit card with XXXX in XX/XX/XXXX, and it was closed when I lost my job ... It went to collection as I was new in the U.S. and young I did not understand the credit thing nor collections stuffs. And never heard and ended up forgot about it because I was in XXXX School. It was closed by XXXX as XXXX XXXX was the one powered the card I knew recently that XXXX XXXX sent to collection that account as a recent one.  Never had any commitment with XXXX XXXX, XXXX was the one. So it passed 7Years it closed, XXXX XXXX can not open it as a recent one. Please look below. 

Account NameXXXX/XXXX Account NumberXXXX Account TypeCharge Card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusClosed. {$530.00} written off. 
Status UpdatedXX/XX/XXXX And here 's XXXX XXXX Balance {$530.00} Highest Balance {$530.00} Opened XX/XX/XXXX ( 4 yrs ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX XXXX XXXX paid in full and should be removed /deleted. This account is posted multiple times with Equifax, XXXX and XXXX. 
XXXX. XXXX XXXX XXXX is reporting multiple times as well on Equifax, XXXX and XXXX XXXX XXXX XXXX is reporting multiple times Equifax, XXXX and XXXX. 
XXXX XXXX XXXX is reporting closed accounts ie XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding a violation of federal law on my credit report. The collection agency handling my account failed to include a notice of dispute, as required by law.

This violates : Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 3 ), which requires disputed accounts to be marked as such.

Fair Debt Collection Practices Act ( FDCPA ) Section 807 ( 8 ), which prohibits leaving out dispute notices in communications.
Product: Debt collection

Northstar Location Services - Collector Thursday, XX/XX/XXXX - initial call XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - I have received follow up calls every week day since, even though in the original call I told them I would call back myself when I had any new information for them. I am being harassed and want it to stop immediately.
Product: Debt collection

They need to stop calling me repeatedly about a utility bill that was supposed to be under medical certificate.
Product: Debt collection

I have never had an account with this company. They have falsely filed a collection on my credit reports. They have never sent me any proof of ownership of the account, or an accounting itself. I dispute that this account was ever mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent
Product: Credit reporting or other personal consumer reports

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. 
I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXXXXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is incorrectly reporting that I was past due on  XXXX  different  XXXX  student loans from   XX/XX/XXXX  to  XX/XX/XXXX . Th is is not correct information as the account was consolidated and transferred to a new servicer. The account numbers for the  XXXX  accounts are : "  XXXX  '', "  XXXX  '', "  XXXX  '', "  XXXX  '', "  XXXX  ''. I always made my scheduled payments on time and I never let it run late. I have disputed these inaccurate late payments on numerous occasions with the credit bureau but they have disregarded my disputes as frivolous and ignored my requests. I reached out to  XXXX  and they sent me a comprehensive payment history showing how I was never late on my student loans. I am including this payment history attachment in this complaint so the credit bureau can update their records and process my dispute properly. I sent this same information to the credit bureau but to this date, nothing has been done to process my request.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( Account Name : XXXX XXXX XXXX  ; Account Number : XXXX ) In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Product: Checking or savings account

I am filing a complaint with CFPB regarding Capital One 's failure to deposit my direct deposit from my employer. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act as it requires timely access to funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you to request the prompt removal and deletion of the accounts and information mentioned below from my consumer report. It is essential that these accounts and information not be reported, as their presence violates both the FDCPA and FCRA regulations. I kindly urge you to take immediate action in deleting and removing these accounts and information from my consumer report to ensure compliance with the applicable laws. Your urgent attention to this matter is greatly appreciated.
Product: Mortgage

This is about an illegal advertisement on XXXX with clear RESPA violations. Lending Tree is advertising rates that are not available, not disclosing the terms to get these rates and no NMLS identifier. I found a number to call online and was told when I called in that this rate would cost @ 2 points, I would need a 780+ credit, and 60 % Loan-to-value. None of this is listed on the advertisement.
Product: Mortgage

I had prior filed a complaint with the cfpb against Wells Fargo. I just received an email from my insurance company today that Wells Fargo has reported my property vacant. The property is not vacant and Wells Fargo was told this by me last month on two separate occasions. They stated then they would update their file and nothing further was needed. I feel Wells Fargo now reporting my property as vacant to my insurance company is retaliation for my filing a complaint with the cfbp against them. Their reporting my property vacant could result in my insurance being cancelled resulting in me having to purchase much more expensive insurance. They know my property is not vacant but are trying to cause problems for me by saying it is.