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

Recently I did an investigation on my credit report and found several items that were inaccurate.Under 15 U.S code 1681e ( b ) accuracy of a report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information possibility accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
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 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 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.PLEASE DELETE IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a medical charge on my consumer report that I did not recognize so I proceeded with the following : XX/XX/XXXX - Notified the credit bureaus reporting this error via certified mail. ( XXXX  & XXXX  ) XX/XX/XXXX - Sent a notarized letter to the collection agency [ Capital Accounts ] requesting validation or evidence that this debt belonged to me, sent certified mail with a return receipt. 

XX/XX/XXXX - Capital Accounts received my letter. 

XX/XX/XXXX - 12 days after my medical investigation began, XXXX  reported the account as " verified '' on my consumer report. 

XX/XX/XXXX & XX/XX/XXXX - XXXX  reported Capital Accounts as " verified '' on my consumer report. 

Per the Fair Debt Collection Act, during a medical investigation, creditors/collection agencies can not take legal or other action to collect the disputed amount and related charges during the investigation. The creditor or collection agency may not threaten my credit rating, report me as delinquent, or accelerate my debt because I have used my FCBA rights. 

Capital Accounts, XXXX  XXXX, & XXXX  have all violated my rights. Capital Accounts failed to respond to the dispute and as of today, XX/XX/XXXX they still have not responded. Neither XXXX   nor XXXX, has sent verifiable documents as required in the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) supporting this delinquent claim on my report. I requested proof from XXXX  on XX/XX/XXXX and XXXX  on XX/XX/XXXX. Both credit bureaus have failed to provide any evidence. 

The medical account in question, owned by Capital Accounts does not belong to me. I have requested proof and explanation of charges, neither of the ( 3 ) parties have provided it. 

Please remove this account from my consumer report immediately.
Product: Student loan

I have been consistently dealing with trying to pay down my loans with the income I currently am making. Navient has been deceptive and flat out unhelpful in the process. I've had my loans with them since XXXX  and according to my account, I am set to pay them off in XXXX. My loan amount is currently {$25000.00} but my interest amount is {$38000.00}. Navient has been the most deceptive loan company I've ever dealt with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX XXXXXXXX XXXX, This is specifically for XXXX XXXX XXXXXXXX # XXXX with fraud account with Charge-off Balance : {$1100.00}. I've attempted several times to remove this account from the Transunion credit report because i never opened this account nor did i use {$1100.00} on it. The other credit bureaus have removed this account but your company failed to remove it. F
Product: Student loan

Navient does not apply written instructions as they are sent with additional payment. I have made additional payments to the principal of a specific account ( there are two open loans with them ) and the instructions are clear for them to apply them entirely to the principal of a specific loan. They instead will apply the payments to both loans and apply the payment as additional payments ahead of time on both loans rather than to the unpaid interest and principle on one loan.

They consistently do this with additional payments despite my mailing in specific instructions along with my check. Their attempt at trying to apply my interest plus principal payment on one loans as a monthly pre-payments is fraud as they are not handling the payment according to law and my expressed instructions.

I have attached two payment instruction letters that were sent with recent payments that Navient incorrectly applied in an fraudulent effort to have my payments not reduce principal debt and thus protect their interest income stream.
Product: Checking or savings account

On XX/XX/XXXX I sent an international wire transfer which cost {$50.00} and then another {$25.00} because it was going to an intermediary company that tries to find the best exchange rate. I thought this seemed a little extreme. It turns out that there is one digit on the XXXX number that was put in wrong by the bank. 

I was wondering where has this money gone, I was told to pay another {$35.00} to trace it. 
Luckily it was returned but then I was charged another {$15.00} for the return. 
Is this normal or am I being charged too many fees?
Product: Vehicle loan or lease

Due to financial hardship from the Covid-19 Pandemic, I have been unable to pay my car loan payment. I have made multiple attempts with creditor to come to a solution to repay the debt owed. There was extreme loss in wages that caused risk in losing our home. I requested the creditor to place 3 payments on the back end of the loan for the time being until it could be repaid but was denied relief of any sort. Requested to try to refinance but creditor stated that they do not do refinancing. Vehicle was previously in an accident so it would have become an upside down loan and placed my family and I in a harder financial situation to continue to make the payments. In result of that, my vehicle has been surrendered by the primary owner ( my ex-significant other ). The loan is still open in his name as well as mine ( I am joint owner ) and I have been without a vehicle. The vehicle was originally for myself but I had to be placed as the co-signor. The creditor also allowed the vehicle to be surrendered without my approval by the primary owner listed on the vehicle title. I was attempting to make as much of a payment as possible and was not aware that the vehicle was being surrendered until after it had been done. The vehicle was taken by the primary owner without my knowledge after it had been repaired in XXXX from an accident. I was denied access to my vehicle by the auto body shop when I made the attempt to pick it up when it was completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report that in a trip back some years ago my document where loss, I didn't report the incident at the moment because I didn't know about the severity of this event, sometime after I realize that my identity was been use by someone who had opened account in my name, that's why I'd like to note this to try to correct this in my credit record. Please help.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following inquiries be blocked and deleted from my credit report, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request that such information be removed from my credit file. 
Inquiries to be blocked and deleted : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX TransUnion. 

Re : Unauthorized Credit Inquiry To whom it may concern : The following inquiries were not authorized by me, please delete them. I have never given my permission for any company to inquire about my credit status any inquiries made or unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information which under The Fair Credit Reporting Act must be removed. 
Company & Inquiry date 1. XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX XXXX/XXXX/XXXX 6. XXXX XXXX Bank USA XXXX/XXXX/XXXX 7. XXXX XXXX Bank XXXX/XXXX/XXXX 8. XXXX Bank XXXX/XXXX/XXXX 9. XXXX XXXX XXXX/XXXX/XXXX 10. XXXX XXXX, LLC XXXX/XXXX/XXXX 11. XXXX XXXX Bank XXXX/XXXX/XXXX 12. XXXX XXXX XXXX XXXX/XXXX/XXXX 13.  XXXX XXXX XXXX/XXXX/XXXX 14. XXXX XXXX XXXX/XXXX/XXXX 15. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX 17. XXXX XXXX/XXXX/XXXX 18. XXXX XXXX XXXX XXXX/XXXX/XXXX 19. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX 20. XXXX XXXX XXXX/XXXX/XXXX 21. XXXX XXXX XXXX XXXX/XXXX/XXXX 22. XXXX XXXX XXXX/XXXX/XXXX 23. XXXX XXXX  XXXX/XXXX/XXXX 24. XXXX XXXX XXXX/XXXX/XXXX Once your investigation is complete, please send me an updated copy of my credit report. I would appreciate the name, address, and phone number of the companies who inquired about my credit so that i may follow up. 

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

I have recently been informed that there is negative information reported by XXXX in the file Equifax maintains under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing for a closed unpaid medical collection account ( account # XXXX ), opened XX/XX/17 in the amount of {$73.00}. 

My address should read : XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 
TAKE OFF XXXX XXXX IN MY ADDRESS. I DO NOT LIVE IN AN APARTMENT
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I processed a large payment of {$18000.00} through my online banking service ( XXXX XXXX  ) to pay off our credit card bill. I inadvertently sent the payment to another credit card company ( Chase Card Services ) which was my old XXXX Visa card that I had not used since XXXX. 

On XX/XX/XXXX, I realized the error I made and contact my bank ( XXXX ) who stated that the payment had already been processed by Chase and deposited into their JPMorgan account and that I needed to contact Chase to obtain the refund. 

On XX/XX/XXXX, I contacted XXXX at Chase XXXX and explained to him what occurred. He stated he would submit an inquiry using my old XXXX account and the inquiry would be completed within 14 days. 

On XX/XX/XXXX I contacted Chase for a follow up and spoke first with XXXX who stated that my record showed that there was an inquiry but there was no overpayment posted to my old account. She advised me to contact Chase customer service and gave me XXXX. I called that number which stated that that number is no longer in use and to call XXXX which tell you to call XXXX. 

I have a copy of the check that XXXX sent to Chase Card Services and the account number to which JPMorgan the holding company for Chase deposited the {$18000.00} into. 

I made an error and should have sent that amount of money via personal check rather than online and making the error. However, Chase/JPMorgan should be able to identify within 14 days why they can not post {$18000.00} to an account that has been closed and return the check as soon as possible.
Product: Checking or savings account

This is a follow-up to complaint XXXX which is now closed. USAA was dishonest in their response, nothing has been resolved and their staff is unable to close my account. I would like the information on how to close my account. 
Currently, I am unable to receive my bills due to the ebill feature that was established. I have made requests for USAA to disable the feature so I can receive my bills but they are unable to do that. This is adversely my ability to pay my bills and take care of my responsibilities.
Product: Payday loan, title loan, or personal loan

We purchased replacement windows from XXXX ( XXXX, FL ) using their recommended funding source ( GreenSky , LLC ). Our understanding was that we had a line of credit with GreenSky that would enable us to pay 50 percent of payment upfront and 50 percent after window installation. There was no problem with the initial 50 percent payment, but the window delivery/installation was delayed through no fault of our own.

When if came for us to pay the remaining 50 percent balance, GreenSky claimed that our original agreement had expired after 60 days. They made us reapply for a loan which they then denied due to a change in our credit rating. We were forced to refinance our loan with a credit union at unfavorable terms.

GreenSky failed to warn us when our loan was about to expire. Even if they had warned us, GreenSky would have refused to pay the remaining balance because the work was not complete. 

What GreenSky is doing amounts to " bait and switch '' fraud. They offer loans for home renovation tasks which they know upfront will take more than 60 days. Then, they force the consumer to refinance the loan at higher rates or they may even deny the loan. 

If XXXX and GreenSky had been transparent with us on the nature of their joint financing, we would have declined to have the work done. 

This has been a nightmare for us as XXXXGreenSky were less than helpful in resolving this issue. GreenSky initially denied refinancing, then said that they would honor our original loan terms, and then they again denied us refinancing.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the services provided by Experian, XXXX, and XXXX regarding the accuracy of my credit reports and the subscription fees being charged. 

Despite my efforts to ensure the accuracy of my credit reports, I have noticed that incorrect and outdated information remains uncorrected, even after multiple disputes and communications. This lack of resolution undermines the credibility of the credit reporting system and negatively impacts my financial standing. 

Additionally, I have subscribed to premium services offered by your organizations with the expectation that they would expedite corrections and provide meaningful updates. Unfortunately, I have experienced no tangible outcomes from these services, making the subscription fees seem unjustifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX has violated my rights by reporting a late payment on my credit report on XX/XX/2020. 

15 USC 1681 Section 602 states I have right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that consumer reporting agency can not furnish an account without instructions. 

15 USC166B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. 
This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, EXETER FINANCE CORP add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received an email from a credit monitoring service indicating that a new account was added to my TransUnion account. Upon further investigation, the account that was being reported was a new collection account. I contacted the XXXX XXXX XXXX ( XXXX XXXX ) and was informed that TransUnion was reporting to XXXX XXXX XXXX a collection for XXXX XXXX and that I needed to contact TransUnion for details. 

I contacted XXXX XXXX and spoke with XXXX XXXX who informed me that this company was handling the collection and that she could take a payment. I explained to XXXX XXXX that services were never provided by XXXX and that the charges they were reporting were inaccurate. I requested that XXXX XXXX XXXX and XXXX XXXX send me what documents they used to validate the debt from Spectrum and she informed me that she didn't have such documentation and that I needed to contact the original creditor for that information. 

Upon contacting TransUnion the same day by chat, I spoke with agent XXXX, who informed me that the information that I was told was reflected on my credit report was not visible to her and that I needed to wait 2 weeks - 30 days for it to show on my credit file and then dispute it. I requested that she dispute the account and send me all signed documents showing that the " alleged '' debt was mine. XXXX informed me that she could not dispute the account since it wasn't visible to her and that she didn't have the documents that I requested and to contact TransUnion directly for dispute. 

On XX/XX/XXXX, I contacted TransUnion and spoke with agent XXXX who informed me that she didn't see the account that was being reported and that TransUnion does not provide proof that debts are valid, and that I would need to go to the original creditor to request this information. XXXX transferred me to the XXXX Department within TransUnion where I spoke with XXXX XXXX and requested that he dispute the item and send me a copy of the original contract, with my signature establishing services, and was informed that they didn't have that documentation. I informed him that according to the FCRA Section 609, I am allowed " proof '' that this debt was validated and all contracts/documents used to validate this account. XXXX indicated that he would file a dispute ( Dispute ID XXXX ) but could not send proof that the debt was mine and validated as being mine. 

I contacted the original credit XXXX XXXX and XXXX with XXXX who transferred me to XXXX. XXXX informed me that she saw the account but couldn't send me any documentation showing proof that the account in the collection was actually my debt. I requested that this documentation be sent as it was my right under the law FCRA Section 609, she informed me to contact an attorney.
Product: Mortgage

Wells Fargo assumed my loan and broke the original contract we had with XXXX. They opened an escrow account when we had an escrow waiver. They paid taxes that were not due or delinquent even though we provided them with documentation that they were not due or delinquent. They raised the mortgage payment from {$2000.00} to {$3000.00} to cover XXXX  and XXXX  taxes and subsequent taxes thereafter. They created the hardship that destroyed the relationship with my co-borrower leaving me to defend myself against foreclosure for fifteen years. I did everything they told me to do for seven years to get a modification. When I found out the taxes weren't due until XXXX of XXXX, I hired a lawyer and he strung me along for eight more years only to get me into another contract again with the threat of foreclosure. Now, I owe way more than the original principal balance when Wells Fargo broke my contract, and my payment is so high, I have to get a second and third job. I've been XXXX for 34 years, and planned to retire by now. Now, I have to work seven more years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit report and they said they did, they stated everything was accurate. I did a thorough research myself and found improper inaccuracies on the credit report even after they did the thorough research. 


XXXX. Account name : XXXX XXXX XXXX Account Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX. **This account showed closed on XX/XX/XXXX on my XXXX Credit report, and as of XXXX is back on my credit report showing open. ** I will include screenshot of this evidence. 

XXXX. Account name : XXXX XXXX XXXXXXXX Account Number : XXXX Amount : {$9000.00} Data Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$2100.00} Date Opened : XX/XX/XXXX XXXX. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX In accordance with the fair credit reporting act convergent 1. Account name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX. **This account showed closed on XX/XX/XXXX on my XXXX Credit report, and as of XXXX is back on my credit report showing open. ** I will include screenshot of this evidence. 

2. Account name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$9000.00} Data Opened : XX/XX/XXXX XXXX. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount : {$2100.00} Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX has violated my rights 15 U.S.C 1681 section 602A. states I have the right to privacy 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I sent in a dispute with Equifax regarding unauthorized inquiries. On XXXX XXXX Equifax replied with a response by verbal communication that they can't identify me even after I have mailed my identity information again on XXXX and XXXX and uploading my identify information online to their website. With a dispute they are still not identifying me