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

Under 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. Code 1681. 

Account Name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code 1681 section 602 A. States I have the right to privacy 15 U.S. Code 1681 Section 604A Section 2 of the Fair Credit Reporting Act ( FCRA ) states that a consumer reporting agency can not provide a consumer 's account without written instructions from the consumer.

15 U.S. Code 1681c ( a ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ) states that consumer reporting agencies ( CRAs ) can not include certain adverse items of information in consumer reports if they are more than seven years old : Civil suits, Civil judgments, Arrest records, Paid tax liens, and Accounts charged to profit and loss or placed for collection.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 or other personal consumer reports

I never received an item that was discussed in the Conn 's Store in XXXX XXXX, TX XXXX. It was not delivered. When I received a contract, via email, my ELECTRONIC Signature, was used in areas of that contract that I had not agreed to nor purchased. It was a fraudulent contract. I notified the corporate office, and nothing was done. I started receiving harassing phone calls and emails asking me for money. I then filed a criminal complaint for Fraud on XXXX, against Conns, with the XXXX XXXX Police Department ( XXXX ). ( XXXX ) XXXX XXXX XXXX took this criminal complaint. The XXXX Report # ( XXXX ). On the fraudulent contract appeared a bed, which was never delivered, and the damaged coffee table and 2 end tables that were returned due to Conns. In other words, I have no furniture from the Conns store in my possession. Now, Conns has reported me as delinquent on my credit report and it is now affecting my ability to obtain credit from my financial institution. I have attached documents that show what Conns did in the electronic signature areas. Please help.
Product: Debt collection

-I paid this debt on XX/XX/2020 to XXXX XXXX XXXX XXXX . 
-I provided documentation to this debtor with copy of the transaction from my credit card. 
-They passed this debt continues to be passed on to different companies even though it was been paid out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute information with XXXX by directly calling them, but the company phone number provided to my credit reporting agency is inaccurate. XXXX is not a valid number. Remove from my credit report due to inaccurate data supplied.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Student loan

I paid {$160.00} dollars on XX/XX/XXXX and XX/XX/XXXX. Edfinancial reversed those payments without giving me a reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Product: Credit reporting or other personal consumer reports

Collector, Transworld systems received my account on XX/XX/XXXX from XXXX. My XXXX  account was first opened in XXXX of XXXX. My last payment was sometime in XXXX. I never received a bill until about XXXX of XXXX. The amount owed is apparently {$2800.00}. The report says the account opened on XX/XX/XXXX, which is incorrect as I already stated the account opened in XXXX. In remarks it says dispute resolved, but it is still affecting my credit. The account itself is XXXX plus years old now, and the account has been delinquent for XXXX plus years now. 
Transworld systems did send me a letter showing the balance and specific transactions and including information on how to pay. I wrote a note that I would not be paying it as it has been over 10 years since the account was opened. I tried to dispute this through XXXX 3 times and each time they were unable to make changes. I have been locked out of both the XXXXXXXX XXXX and the Transworld Systems portal, and therefor I no longer have access to any of my account info or documents. I have been locked out ever since my dispute. I hope you can get the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX DOB : XX/XX/1969 XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT WAS PAID, BUT STILL REPORT TO MY CREDIT REPORT. 

XXXX. XXXX # XXXX - BALANCE OWE ON THIS ACCOUNTS IS " XXXX '' ACCOUNT SHOULD NOT BE REPORT ON MY CREDIT REPORT. 

XXXX. XXXX XXXX # XXXX - I OWE A BALANCE ON THIS ACCOUNTS BUT IT WAS PAID BEFORE I GOT SERVICE AGAIN.
Product: Credit reporting or other personal consumer reports

I just discovered unauthorized inquiries on my credit report this morning, and Im completely baffled. These discrepancies appeared out of nowhere, even though I check my report regularly. I tried refreshing my browser, thinking it might be a glitch, but the problem remained. I demand that the documents Ive submitted be thoroughly reviewed immediately so this can be resolved, and I can stop worrying about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed recent credit report and see that on : XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX made an unauthorized inquiry. I did not apply through this company. I have called and sent this company a letter but did not receive a response over 45 days ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my last complaint, I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the XXXX  has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX  XXXX Balance : {$14000.00}
Product: Debt collection

They call constant. If I fall one day behind they call 10 times a day. If I block the number they call from numbers that are fake. I have teue caller so it shows both the real and fake number. Im tired of them calling somany times a day. They say its just a reminder but after XXXX voicemails a day its a little extreme.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday XXXX XXXX, 2021, I attempted to see if I prequalified for the OPORTUN XXXX Credit Card. On the website, www.oportun.com it states explicitly that checking for prequalification will not require a hard inquiry which would impact your credit score. It explicitly states that only a Soft Pull would be performed! 

However, after supplying my personal information which was required to confirm my identity, I received a text to my phone with a link to confirm my identity and upload documents. Then I was led to page that said my application and documents were under review. I never submitted any documents nor was I ever told if I was prequalified or not! Yet I was then notified by XXXX that a hard inquiry had been made on my credit file! I did not authorize any hard inquiry. 

Oportun XXXX Credit Card is engaging in predatory lending practices!
Product: Checking or savings account

XX/XX/2022 - I requested to close my Health Savings Account at Optum , Inc ( https : //employer.optumfinancial.com/ ) and transfer all the funds ( $ XXXX ) to XXXX. 

XX/XX/2022 - Optum claimed that they issued a check to XXXX. 

XX/XX/2022 - XXXX told me they still haven't received any check or notifications about the transfer. Then I contacted Optum again and they told me that they will reissue a new check to XXXX. 

XX/XX/2022 - When I tried to contact Optum to inquire about the status, I was told that the case was closed and there's no resolution. The customer service basically told me there's nothing they can do and can't wait to get rid of me by " Is there anything else I can help you with today? '' At this point, my HSA funds at Optum was basically scammed. It's been 1.5 months since I requested the HSA account transfer via mail ( which is another pain point ) and my funds ended up swallowed by Optum. I'll have to take legal action against Optum if this can't be resolved.
Product: Checking or savings account

I was approved for a rental program called XXXXXXXX XXXX. I received checks in the mail that were to be used for rent payments and deposited them into my Capital One account. On more than one occasion these checks were deposited without issue. My last deposit though was kept from me. Capital One refused to return the funds to the program that was assisting me so that I could have them reissued and also refuses to release the funds to me even though I have sent in documentation and the funds were released in the past. The check has been held in my account since XXXX of last year. This is an obscene practice and modern day theft.
Product: Credit reporting

In XX/XX/2015 I started disputing this issues with XXXX and Equifaxfraud on my credit report. Equifax has not want to do anything aboutthis and in timely fashion. Finally I a letter from XXXX to me andstating sent letter also to Equifax to remove off my credit due to fraud. 
They said they had until XXXX/XXXX/2015 to remove it and as of today XX/XX/2015it is not removed from my credit.
Product: Mortgage

Dear Sir/Madam, I am reaching out to lodge a formal complaint concerning issues with my mortgage servicer, LoanCare, which include an overcharge in mortgage arrears, substantial legal fees incurred without resolution, and serious communication mishaps. 

The root of the dispute lies in a discrepancy in the arrears reported by LoanCare for the period of XXXX XXXX XXXX XXXX Our understanding, based on direct communications and submitted loss mitigation documents in XX/XX/2022, was that we were two months behind in our mortgage payments. Contrary to this, LoanCare 's documentation reflected a three-month arrearage. This discrepancy led to additional legal fees of {$6200.00}, charged by our attorney in an unsuccessful attempt to resolve the matter. We also incurred fees from LoanCare due to communications with our attorney during the bankruptcy proceedings. 

Complicating this issue was an unexpected change in our mailing address to our attorney 's office address, without our consent or request. This change resulted in all correspondence from LoanCare going unanswered following the termination of our relationship with the attorney. This communication breakdown meant we were unaware of and unable to respond to LoanCares communications in real-time, exacerbating the existing dispute over arrears. We also experienced harassment from LoanCare representatives, XXXX XXXX XXXX  while attempting to communicate with them about our loan modification and arrears dispute. 

Furthermore, it was not our intention to include our home in the XXXX XXXX XXXX proceedings. However, the incorrect arrears claimed by LoanCare, combined with the protracted period ( over a year ) it took to address our loan modification application submitted in XX/XX/2022, left us with no choice but to include the house in the bankruptcy to ensure its protection. 

To summarize, we are faced with the following issues : 1. Incorrect arrears reporting by LoanCare, unsupported by our payment records and communications. 
2. Unjust additional legal fees incurred due to the disputed arrears, without any resolution being achieved.

3. A significant breakdown in communication due to the unauthorized change of our mailing address to that of our former attorneys office, hindering our ability to manage our mortgage account effectively.

4. Being forced to include our home in the XXXX XXXX XXXX proceedings as a direct result of LoanCares actions and delays in loan modification. 
5. We will need to take next steps in raising an objection with the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, where we are currently Pro Se after having to dismiss our attorney because of this issue. Weve also filed a complaint against our attorney with the XXXX XXXX XXXX XXXX, which has gone unresolved.
Product: Debt collection

I have in my credit report a XXXX Account in the amount of {$3400.00} that does not belong to me. I tried in various occasions to report and / or dispute but its still appear in my credit. As of today, the account is under XXXX XXXX XXXX XXXX XXXX.
Product: Student loan

I began making payments for my school loans with Navient per my Income Based Repayment plan. I successfully paid off XXXX ( 2017 ) payments, after numerous attempts to contact Navient asking them to please postpone payments because I knew I would not be able to make that months payment. 

I made the decision to consolidate all of my loans. However, I never filed for a forbearance. What I did file for was a consolidation with an income-based repayment plan ( public service loan forgiveness ). Unfortunately, I have not received any documentation stating when the consolidation when through. According to what I see online today ( XX/XX/2017 ), I see all of my loans consolidated, but my next payment is {$990.00} versus the {$180.00}. 

The consolidation went through, but not the income-based repayment plan ( public service loan forgiveness ). I have tried to contact Navient on multiple occasions, however their hours of operation do not allow me to speak with someone since I am in Hawai'i and they are on the east coast. 

I am at wits end and unsure of what to do. I am submitting a fax to Navient, but most likely it will fall of blind eyes.
Product: Debt collection

I submitted a payment to Lowes/XXXX XXXX, for the payment of {$800.00} dollars, which posted XX/XX/2018. I didn't get notification the check didn't clear the bank as insufficient funds from my credit card company, XXXX XXXX. I was lead to believe the check was cleared for {$800.00} dollars. I spoke to the agent over the phone several time to confirm that everything was fine. The agent submitted the {$800.00} dollar payment to credit bureaus as an OFF CYCLE credit reporting to the credit reporting agencies for payment. This was done three weeks ago. Today isXX/XX/XXXXXX/XX/18, and I've received a 30 day late from Lowes/XXXX XXXX for non payment because Lowes/ XXXX XXXX didn't informed me the payment had been returned. I got a credit alert XX/XX/18 stating that I just received a 30 day late payment from XXXX XXXX. I called them and was told my payment was returned XX/XX/18, which was three weeks from the date I submitted payment. I then spoke to my bank, and was told the check was returned XX/XX/18 for insufficient funds. They took three weeks away from the time I had to to repay that check, and then called it 30 day late and reported it to the credit agencies. They didn't allow me a chance for repayment. I've had this account over two years and have never once been late. Not even one time!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts dont belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : SYNCH-XXXX**** This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX  XXXX  opened an account in my name. I do not remember opening said account and have reason to believe it is FRAUD. 

As of XXXX, this acct has been reported to collections with XXXX XXXX for {$630.00}. Which is badly affecting my credit score
Product: Credit card

Synchrony Bank XXXX XXXX XXXX XXXX, XXXX, CT XXXX Dear sir, I have received a letter from your bank branch, addressed Customer Service, XXXX XXXX XXXX, XXXX, PA XXXX, dated XX/XX/XXXX of 2024. I have inquired to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MA XXXX, regarding my reward certificates ( XXXX and XXXX ), total {$20.00}. These two reward certificates became unusable and asked to make them usable. The letter of your company in XXXX stated that I used one certificates ending XXXX was used in XXXX in XXXX, NJ. As far as I remember, I paid this purchase with your credit card in my name exactly {$28.00} as indicated in the printout of purchase history kept, which could see in your company website. I enclosed the copy of this transaction, which clearly states I paid exactly {$28.00} by the credit card ; therefore, the statement in the letter shows discrepancy and unreliable. Also, regarding the transaction on XX/XX/XXXX of 2024, which this letter stated I used another certificate, my credit card transaction history of your website said I purchased only {$6.00} instead {$46.00}. Even if this office might correct the date into XX/XX/XXXX of 2024, when I have used {$46.00}, this office needs to prove I purchased something in total {$56.00}. Then, with {$10.00} certificate, the transaction total should be {$46.00}. The office needs to check and show me the transaction detail, something like a receipt of these 3 dates to prove his/her opinion. Since there are so much discrepancy and unreliable opinions, I request to show further evidence to prove them officially in print. 
Sincerely,
Product: Money transfer, virtual currency, or money service

Scammers had stolen the identities of several individuals one of which was my friend. I was prompted and encouraged to invest in cryptocurrency by my friend thinking it is actually hee. Little did I know I was being scammed and they somehow were bridging my money transfers to themselves and my money was never being invested in those websites or apps. They were directly stealing it and when I asked for a withdrawal they bribed me for more money. I have never fallen for such scams, but because they had stolen and hacked my friends identity, I thought my money was safe. Especially since the websites seemed legit. The following are the websites : XXXX XXXX XXXX XXXX XXXX XXXX I used changelly via XXXX to purchase the bitcoin but my money was being wired elsewhere and stolen. Since XXXX is an legitimate website, I did not think my money was disappearing. 

Later my friend was able to get the identity back and sent me a conversation the scammers were having with the fake accounts about scamming me. I took this case to Wells Fargo but they did not get my money back. There was several transactions made to the wallet number XXXX Then, the scammers tried stealing my identity and were constantly trying to log into my personal accounts, especially virtual wallets to get full access. Wells Fargo did absolutely nothing about this claim. A total of $ XXXXwas wired and stolen. 

I have attached a video of the scammers having a conversation. The video was screen recorded by my friend once she got her identity back. The conversation is between her and another account the scammers have hacked which belongs to a young mom. Notice the voice of the scammers are of men with heavy accents and those voices do not belong to either of the ladies. 

I have also attached two videos of the conversation I was having with my Friend whose identity had been stolen and I did not know. I attached another conversation with the scammers who had stolen the young moms identity ( again of which I was clueless ).
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$700.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2200.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$480.00} XXXX XXXX XXXX Balance {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters with multiple request to have credit inquiries removed that I did not recognize from my credit reports. XXXX removed the inquires, Transunion and XXXX refuses to remove the inquiries.