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

I am writing to file a complaint concerning a violation of my federally protected rights delineated in the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681. The presented list of accounts starkly demonstrates a blatant disregard for my fundamental rights to privacy and confidentiality. Despite explicit requests for reinvestigation directed at XXXX, XXXX and Experian and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  their responses have consistently asserted the completeness and accuracy of all information. However, these assertions directly conflict with the undeniable inaccuracies in critical details such as open dates, dates of last activity, and other pivotal elements. Under 15 U.S.C. 1681i ( 5 ), these agencies are unequivocally mandated to rectify inaccurately reported accounts. Moreover, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), any entity is explicitly prohibited from furnishing inaccurate information to consumer reporting agencies when knowledge or reasonable cause exists of such inaccuracies. The ramifications of these inaccuracies extend beyond mere data errors. They significantly impact crucial credit ratios, such as the length of credit history, debt-to-credit utilization, and misrepresented balances, consequently impeding my ability to secure credit. These inaccuracies are an infringement of my rights and impair my capability to obtain fair access to credit opportunities due to misrepresented and flawed data. Additionally, it is crucial to note that while other bureaus could not verify these accounts, they inexplicably remain on the reports of these agencies. This incongruity is perplexing, as all bureaus are expected to follow similar verification processes. The persistence of these inaccuracies across multiple reporting agencies underscores a systemic issue that requires urgent attention. I implore the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter promptly and take decisive action against the entities responsible for their failure to adhere to federal regulations to safeguard consumer rights. Rectifying these inaccuracies is essential to restore the integrity of the consumer reporting system and ensure fair access to credit for individuals. Thank you for your immediate attention to this pressing issue.
Product: Credit card or prepaid card

There were multiple transactions completed without my authorization on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called Wells Fargo as soon as I saw that my account had multiple unauthorized charges to report the incident as fraud. 
XXXX {$400.00}, {$9.00} XXXX {$19.00}, {$10.00}, {$4.00} XXXX {$28.00}, {$27.00} As I remember correctly these charges were in different cities from when I looked at my statement prior to calling them. 
I did what I believe to be the correct thing in reporting these charges as fraud as I did not authorize them, nor have possession of my card at the time of noticing the charges. I received in the mail a letter that Wells Fargo deemed these charges as not fraudulent and was re-billed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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, Has all validated my rights 15 U.S.C 1681 Section 602 states I have the rights to privacy.

15 U.S.C 1681 Sectign 604 A Section 2 : It also States a customer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

I have a pay pal account under the name XXXX XXXX. I use that sometimes to order stuff on line. On XX/XX/XXXX I ordered a pair of shoes on my Cell phone using my PayPal account not knowing it would come from XXXX. when I received it I noticed it was not the right fit. So I tried to return it to where it came from. I got no response from the store they tried to send me gift cards and asked me to donate the shoes. The transaction was for XXXX dollars. I contacted my PayPal credit to see if they can help me return the material and get my money back. They did. They finally were able to get the store address and they told me to send it back with a tracking number. This was filed on XX/XX/XXXX I did that I uploaded the receipt from USPS. I made a mistake in reporting the tracking number. I emailed them on XX/XX/XXXX to let them know of the correct tracking number. 
they responded that you don't worry and be patient. They are working on it. 

Till today they send an e-mail saying oh the case is denied because I have not provided the right tracking number. They closed the case and they are not going to open it back up. In the process I had to pay money for the postage and send my shoes back and ended up with nothing. Why are they closing the case so I could not update my information in the first place.? why they did not contacted me to find out about the right tracking number?. When I e-mailed them they told me not worry and now this is what I get back. I asked to talk to a manger or someone else no this is it. Of course they have been paid so they don't care. Is there a way that I can get some protection through you guys?
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. 

XXXX XXXX has violated my rights. 

I looked at my TransUnion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. 

and according to 15 USC 1681s-2 they are suppose to 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

While in XXXX school, I was on educational deferment. During the fall of 2016, I was a full time student at the University of XXXX. Half way through the semester, changed my enrollment status with one of my classes to audit and unbeknownst to me, this changed my enrollment status from full time to part time. Navient was notified of this change in status, however, I was not -- by my school or by Navient, and my loans went in to repayment without my knowing. It was n't until my bill was already past due that I was alerted to the situation. When my loan went into repayment in XX/XX/XXXX {$92.00} in interest was capitalized. Then another {$160.00} was capitalized in XX/XX/XXXX. And another {$11.00} was capitalized in XX/XX/XXXX when I went from educational deferment to Income Based Repayment. All of this was done without Navient every notifying me, or giving me the option to pay the interest before it was capitalized. The actions in this situation on the part of Navient have been, at best, negligent. In addition, I have {$2600.00} in previous capitalized interest, due to lack of proper communication and information delivered to me by my service provider.
Product: Mortgage

This is an ongoing issue with 21st mortgage Corporation. We have had our loan since XXXX and a voice kept in good standings up until we had a business go under in XXXX. But even then our priority was to get our home payment in as timely as possible. I was trying to call and deal with these people to let them know the plan. We've had an ongoing issue as I got hurt at work in a file for work comp. The staff in the entire company is so unprofessional with her attitude and demeanor is atrocious. I finally have my wits end today as I told them we have a plan to resolve but are waiting upon the US Postal Service. I was informed that I need they need to know exactly when I would be resolving, so I again told them the processing had been done at the company for the plan to get caught up with our payments, and just waiting for the US Postal Service to deliver the payment. As soon as payment is received I would be making a payment to them. Their response was as usual I'm irresponsible and have no priorities. Then we have to rehash the last 18 months of how we ended up where we are now even though they're supposed to be keeping records of all the times I have called and kept them up-to-date on all the developments that have happened in those 18 months. The one lady even said that's too far back it doesn't matter to her even though it's relevant to the Fact we are waiting on Workmen 's Compensation. After hanging up on them because there is no resolution possible since they demanded I have the payment in by closing time today or else. I found the hope counseling number on the Federal Trade Commission website. I worked with a counselor there and conference called 21st mortgage. Goal was to figure out some type of loan modification or plan to get caught up and they have no plans and they do not put dissipate with mitigation at all. She couldn't believe that they didn't work it any way shape or form to get a person caught up on their loan. He was at least professional in dealing with a phone call. When I have to call them again I will definitely be utilizing that the counselor has them mediator. They really need to work on training their staff to properly and professionally deal with collections versus the bashing, belittling, and bullying that is going on
Product: Bank account or service

My wells fargo bank robed me they posted a transaction was posted to my account on XXXX/XXXX/2015 and the posting date was XXXX/XXXX/2015 and i was charged {$35.00} for overdraft on XXXX/XXXX/2015 I requested the bank to take a look at the transaction and i check my account till the last minute of XXXX/XXXX/15 i have a prof my account went negative today but before XXXX XXXX i have deposited the amount and i 'm still getting charge the overdraft fee.
Product: Credit card

Paid off an old navy and a walmart card in full, for a total of XXXX missed a walmart payment and used it regularly. Was thanked for the payment in full by dropping my credit from XXXX to XXXX dollars. XXXX disappeared. 

Paid off old navy in full at XXXX, even after my credit was lowered for no reason. I was thanked for paying in full by my account being closed. That XXXX plus earlier payments of XXXX disappeared. 

Synchrony stole around XXXX in payments, and despite my good fAith as far as having access to my credit that i paid, and despite my timely payments, they lowered credit and shut down accounts, thus damaging a credit score that should have improved due to my actions. I consider this fraud and theft and they should be penalized.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX Address Date of inquiry XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 XXXX XXXX, Address Date of inquiry XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022
Product: Mortgage

On XX/XX/XXXX  a payment in the amount of {$1100.00} was paid to LoanCare via bill pay through the XXXX banking app, this is a past due payment for XXXX. The payment was applied to our mortgage account however the payment changed, without my knowledge, and the full amount was XXXX cents short. Once I realized it on XX/XX/XXXX  I paid {$1.00} to LoanCare via bill pay through the XXXX banking app. Since then I've gotten letters stating I owe three months worth of payments and I will be in default if not paid by XX/XX/. I've spoken with customer service representatives on XX/XX/XXXX  and at that time nothing was mentioned about the possibility of default but I was told if I made at least one payment I would be in better standing. I've now tried numerous times to contact their call center and can not, they have no email option and I've attempted to use their contact us option on their website but I get a response back stating they can not find the payment I made.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of XXXX  I had made a purchase on XXXX XXXX XXXX XXXX for a XXXX  and chose to use Affirm to finance the purchase. Upon completing or what I had thought to be the completion of the purchase I received an email from Affirm asking me to go back to XXXX and complete my order. I then went to check my email inbox to see if I had received any emails from XXXX with an order confirmation email, but I could not locate one in my inbox or spam folder. 

So at Affirms request I went back to XXXX and completed my order. Once again I did not receive any order confirmation email from XXXX so I went online to check my Affirm account to see that I now had two pending loans with Affirm. I attempted to work with Affirm and XXXX to resolve the matter but XXXX was unable to locate any orders under my name and address provided. Affirm was also unwilling to work with XXXX to resolve the matter. 

I eventually received two XXXX XXXX from seller who had placed the bids on XXXX and immediately returned the second computer processor to the sender via XXXX  I then paid the first loan off with Affirm and filed a disputed for the second loan providing them with the XXXX tracking number showing them I had returned the product to the seller as this was a duplicate order created by Affirm asking me to go back and complete my order. 

Affirm then denied the disputed and demanded that I also pay them for the second loan that was created in error by a misleading email sent by them also knowing the merchandise was returned to the seller. Affirm has since turned the second loan over to XXXX XXXX a dept collector and there is now a collection pending on credit report. 

I believe this to be a XXXX violation as this has adversely affected my credit report. This first loan has been paid in full to Affirm and the merchandise for the second loan was returned to the seller but yet Affirm still wanted to collect on this dept knowing all of the above information. 

I have all email communications and screen shots related to this matter as evidence. 

Please assist. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account currently reports information illegally. There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Below are the inaccurate items on my credit report : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$190000.00}, XXXX XXXX XXXX Balance Owed : {$350000.00}, XXXX XXXX XXXX Balance Owed : {$350000.00}, XXXX XXXX XXXX XXXX Owed : {$9500.00}, XXXX XXXX  XXXX Balance Owed : {$1200.00}, XXXX  XXXX XXXX Balance Owed : {$1200.00}, DPT EDXXXX XXXX Balance Owed : {$120000.00}, XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX  XXXX XXXX XXXX Owed : {$2700.00}.
Product: Credit reporting or other personal consumer reports

I have tons of hard inquiries on my credit report, and I have no idea who they are from I have applied to none of these companies for anything. I have had my identity stolen before. I had personal information stolen when my car was stolen last year I am not sure if any of this has something to do with the inquiries. It appears someone has been inquiring on some types of loans or credit accounts. I was directed here while trying to file a report and make disputes. The following companies have made inquiries on my report and I don't even know who they are It seems to be around the time my car was stolen. I am looking for a copy of my police report, I can't locate it at the moment but I can get a copy of it if I need to. 

XX/XX/year> XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, 2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX 2023 XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, SC XXXX XXXX XXXX, 2023 XXXX XXXX XXXX XXXX XXXXP XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX 2023 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX, 2023 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX SC XXXX XXXX XXXX XXXX 2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX, 2023 XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Product: Debt collection

Diversified consultants collection agency recently reported a previously deleted account to all three credit bureaus for XXXX. 

The account was previously deleted on XX/XX/2019. The reporting collection agency was called, XXXX XXXX XXXX. Apparently XXXX sold the account to diversified consultants after it was deleted through XXXX XXXX XXXX. This fraudulent report has caused my FICO score to drop 54 points.
Product: Student loan

I signed a interest only payment for my private loans. I have steadily paged off my loans for 5 to 6 years and my balance has not dropped. I signed a interest only at 12.5 percent and now after 6 months it is up to 14.5 percent. My credit score is higher than it was when I signed the Interest only payments. But they have refused to offer me any other solution to lowering my parents which is XXXX not including my 6 other federal loans. They have only offered me interest only payments and they will not help lower my payments. Federal loans I have gone into income driven payments which has helped tremendously. I have save 200 dollars this way. A month between 5 other loans. 

I have had bad advice from this company. Early 2000s they had told me to stop paying my payments for 2 months andthe and they will have to offer me a reduced payment plan. Did that and nothing happened. I have been out of school for 11 years and 14 from  my.other school. I have yet to make a dent in the loan. I took out a private federal lone of XXXX and now it is up to over 30k. O have ran out of forbearance for my private loans and struggling to may other payments since this is my main loan confer to pay off. 

When in school my interest rate was set at 19 % my interest did drop to 6 but then jumped up again once I was making headway to paying off the loan. I am exhausting my funds and I am paying close to 800 dollars a month in student loans and I make close to 40k a year. 

I need some type of relief.
Product: Debt collection

Security Credit Services placed two derogatory accounts on all three of my credit reports without sending me a notice to verify or validate this alleged debt. XXXX XXXX XXXX previously sent me a notice in the mail about this debt in XX/XX/XXXX. On the XX/XX/XXXX, I sent a letter via certified mail for validation and there was nothing sent to me within or after 30 days as requested. Security Credit Services then places these derogatory accounts on my credit reports without proper validation. I found this to be extremely unprofessional. Without proper validation, how can you place something on someones credit report.