23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 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 XXXX XXXX : # XXXX, violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth with XXXX, XXXX  and Equifax on these accounts that reporting on my credit report. I reached out to them on XX/XX/2019 with no response from them at all. I have called about these items and disputed with a dispute Representative and still no outcome about theses accounts they just update with nothing changing. These accounts has been in forbearance with no payments that have to be made on them and I take care of my responsibility with keeping them in forbearance every year. These accounts are reporting current, then 90 days late, 120 days late, 120 days late, and 120 days late. How can that be when I have never been late and how can that be without being 30, 60, 90, and then 120 days late that mean it's not reporting correctly and the late payments need to be removed or updated to current. They have also felt to send me validation of how they got they information showing me to be late 90 days, 120 days late on these accounts with the Dept of Education/XXXX. I sent out 13 letters to each bureau with no response from either bureaus. I just want this fixed and to report correctly.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update my personal information on XXXX XXXX, Experian. 

My only address is XXXX XXXX XXXX XXXX, VA XXXX. 

any other addresses do not belong to me and need to be removed.
Product: Debt collection

A 1099C is required by law for any charge offs. A certified lawful request for the 1099C and Lawful Debt Validation has been ignored. Yet Affirm its assignee and XXXX is clearly breaking the law. l am requesting sanction and removal of my account from XXXX  immediately.
Product: Credit reporting or other personal consumer reports

I am a single mom trying buy a house and i seen there are damaging information reporting on my credit report. According to the law 15 U.S.C 1681 there shouldn't be any damages on my credit report and that is deformation to my character.
Product: Mortgage

In 2010 while living in Michigan my company announced that our plant would close due to our jobs being sent to XXXX. While looking for another job I engaged Wells Fargo in an attempt to modify my mortgage and enroll in either the XXXX Government UP ( Home Affordable Unemployment Program ) and/or the HARP ( XXXX Affordable Refinance Program ). My attempts to engage Wells Fargo regarding these options were unsuccessful and went on for more than several months. 

I came to believe these delays were intentional in an effort to run out the clock on options leading ultimately to the loss of my home. My case was transferred to multiple Wells Fargo workers during the year I was trying to enroll in XXXX of the government sponsored programs, and each time was made to start the process over. I believe they were stringing me along until time ran out and I lost my house. 

Due to my job being outsourced to XXXX, I became XXXX - Certified through the Department XXXX XXXX. This information as well as hardship letter and information from my realtor was submitted timely to Wells Fargo and on numerous occasions. These submissions were made to more than XXXX different representatives as my case was delayed numerous times. Ultimately culminating in the loss of my home.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts on my report, theyre hurting of my ability to obtain credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX US Department of EDU XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed some fraudulent accounts on my credit report. Please remove these accounts from my credit report as they are hueting my ability to apply for credit.
Product: Credit reporting

I 'm not sure how to file a dispute for a wrong address. There is an address on my report, that I have never seen or lived at before.
Product: Student loan

The issue that I am having is such ; the credit reporting agencies claim that I owe for three loans that they claim were issued in XXXX but I only got one loan for one semester. I only attended XXXX one semester but there are three loans and I qualified for a Stafford grant then so that paid for a percentage close to XXXX XXXX XXXX. That's XXXX near one semester so why does the loan company day I owe for three more loans totaling almost XXXX XXXX? When I was in XXXX  I filed a credit report and noticed that in XXXX they reported my loan was forgiven and since XXXX was involved in the loan scam I believe it was forgiven but as soon as I got released from XXXX  a few months later in XXXX someone got three loans they say I owe for now but they are saying it's still from XXXX but I am certain they said I owed nothing in XXXX. Could you please help me with this issue? They refuse to forgive it and I've only had one loan and when I took as semester break I was charged and sent to XXXX  so I never got to complete college. It's my first loan and I don't know why I don't qualify for forgiveness if worst things the loans are they original loans. And if they are why were they removed and then put back? And why does the credit collection companies buy debt that I still owe to the courthouse or county for court costs? Why do they keep selling it to other companies before it can arrange payment plans?
Product: Debt collection

XXXX I C System XXXX XXXX XXXX XXXX XXXX, MN XXXX Dear I C System, I hope this message finds you well. 

I am writing to formally request a copy of the assignment contract related to the XXXX XXXX Verse bill in the amount of {$80.00} dollars that was discussed on XXXX XXXX, 2022. To ensure that all terms and conditions are clearly understood and agreed upon, I would like to review the formal contract at your earliest convenience. 

Please send the assignment contract to my email address at XXXX and to the physical address provided above. If there are any additional forms or information required from my side to facilitate this request, please let me know, and I will be happy to provide them promptly. 

Thank you for your attention to this matter. I look forward to your response and to moving forward with the assignment. 

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

XXXX accordance with the Fair Credit Reporting act XXXX  ( U.s. Department of education ) Account # XXXX, ( U.s. Department of education ) Account # XXXX, ( U.s. Department of education ) Account # XXXX ( U.s. Department of education ) Account # XXXX ( U.s. Department of education ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX XXXX XXXX XXXX  ) Account # XXXX ( U.s. BANKRUPTCY COURT Case # 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: Student loan

In XX/XX/XXXX, XXXX XXXX XXXX ( hereafter referred to as Navient due to XXXX XXXX divesting that segment ) overtook ownership of XXXX student loan accounts ( hereafter referred to as loans ) of a XXXX citizen with permanent residence outside of the United States. 

Navient overtook the loans despite not having the proper basic processes in place to service an account without a physical residence within the United States. 

This included : - Only accepting payment via paper-check issued by a XXXX bank XXXX 
- No telephone numbers that were accessible outside the continental United States. 
- No subject matter experts to resolve unique issues - Policy that prohibited representatives from following a case after phone conversations had ended During the period from XX/XX/XXXX until XX/XX/XXXX, Navient representatives, acting in an advisory capacity, with the same access to documentation and proclaiming to be experts in Student Loan processes and procedures, repeatedly stated that there was no solution to the lack of a valid method of payment. They continually recommended that the account be placed on forbearance as a temporary solution to prevent the account from going into default. However, they did not disclose that the loan could be moved to a new service provider with different payment facilities via the loan consolidation process. 

This behavior was reflected in a class action lawsuit against Navient. In a settlement announcement on XXXX XX/XX/XXXX, Pennsylvania Attorney General XXXX XXXX was quoted : Our investigation uncovered XXXX deceptive and unfair schemes Navient was using that broke the law and put their own profits ahead of the people they served. The first scheme involved Navient issuing subprime private loans to borrowers they knew could not pay the money back similar to the mortgage crisis in XXXX. The second scheme we uncovered was XXXX XXXX to mislead borrowers into forbearances, which stopped them from paying down the principal on their loan and led many to accumulate more debt and never-ending interest payments, said XXXX XXXX XXXX 

As a result, when payments were initiated to Navient in XXXX, pending interest of over XXXX  % of the initial disbursement was capitalized. When initially contacted about this issue, a Navient consumer advocate agreed with the complaint and credited all late fees that had accumulated during the period in question, however the interest was not discussed until with a new consumer advocate in XXXX. 

The most recent ground for rejecting the request to reverse the capitalized interest was that, although Navient had acted as expert student loan advisor and, between XXXX and XXXX, had specifically stated that there was no solution to the issue, there was a reference to the XXXXXXXX XXXX XXXX XXXX website. The was also misleading XXXX to believe that the XXXXXXXX XXXX XXXX XXXX was a governing body for Navient regarding student loans.
Product: Debt collection

On XXXX XXXX, XXXX, I had a XXXX at a facility calling themselves XXXX XXXX ( located in XXXX, California ). Prior to undertaking this medical procedure, I was informed that my total out-of-pocket cost would be {$120.00}. I agreed to pay this amount and was charged the same following the completion of the procedure, which I promptly paid in full using an XXXX XXXX card issued in my name. On XXXX XXXX, XXXX, I was contacted by an organization calling themselves XXXX XXXX ( also based in XXXX, California ) that claimed I owed {$350.00} for the aforementioned medical procedure and that no payment had been received either on the day of the procedure or in the subsequent four months. After several attempts ( by mail and phone ) to contact this organization went unanswered, I was finally able to speak with a representative of this organization at length in XXXX XXXX and it was agreed by both parties that my payment of {$120.00} on XXXX XXXX, XXXX had fulfilled any financial obligation that I had with XXXX XXXX and that there would be no further attempts to collect the non-existent debt of {$350.00}. And, after not receiving any further notices from XXXX XXXX for over 15 months, I assumed that the dispute had been resolved and the case closed. However, on XXXX XXXX, XXXX, I received a notice from an organization calling themselves Continental Credit Control ( based in XXXX XXXX, California ) in attempt to collect {$400.00} ( or the original {$350.00} debt plus interest of {$59.00} ). At the time of writing this correspondence, over 20 months have passed since the medical procedure in question was performed and I am somewhat perplexed as to why I am still being contacted concerning a debt which I do not owe and would like to be assured that a final and binding resolution to this dispute can be achieved within the next few months.
Product: Debt collection

A collection account has appeared on my credit report from a collection company called Perfection Collection. The account was referred to them by a security company, XXXX XXXX XXXX. My credit report says I have a joint account with a balance of {$3700.00}. the account number on the report is redacted but says the account number is XXXX. 

I have never opened an account with this company and have never authorized anyone else to open an account with my name attached to it. I am trying to get this information removed from my credit report ASAP is it affecting my credit score. 

I have tried to speak with the collection agency and the company but no one seems to know anything and they keep saying it needs to be referred to legal. I have reached out to their legal team but was only provided an email to reach them and have not heard any response.
Product: Debt collection

This debt was already paid by the insurance company. I was applying for a credit card and the credit line was declined due to the negative factor on my credit report. 
This is how appears on the XXXX credit report. 
" Paid, was a collection account, insurance claim or government claim or was terminated for default Status date XX/XX/2019 Thank you
Product: Student loan

In accordance with the Fair Credit Reporting Act, XXXXAidvantage has violated my federally protected consumers rights. on the following dates XXXXAidvantage has reported my student loans as late : XXXX XXXX, XXXX, XXXX, XXXX, & XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, & XX/XX/XXXX XXXX, & XXXX I was in forbearance on these dates, At the time the Reps informed me that my forbearance would be retro back to my fist late and that i shouldn't have any late payments reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 9 fed student loan accounts that were dinged 90-119 days late. The time the accounts show late in in XX/XX/2015. I had a retroactive forbearance approved for those specific dates yet they still report negative on my credit report. I have filed a dispute with the credit bereaus and XXXX has sent a reply saying the accounts have always been in forbearance. Its impossible for there to be a late payment if the account has always had a Forebearance.  It is not right for them to charge massive interest during the forbearance period and say that I was late. I need this fixed ASAP.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXXXXXX 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
Product: Checking or savings account

Promotion Name : 2024 Truist XXXX XXXX {$400.00} Online Only Offer XXXX XXXX : XXXX Enrollment Date : XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As a dedicated Mortgage customer of Truist for over two years, the promotion appeared as a significant opportunity for me to streamline my financial transactions and benefit from the financial institution that holds my mortgage. Expecting to leverage this offer, I shifted my primary banking activities, including my employer 's direct deposit and everyday spending, to Truist, believing in a mutual benefit from this engagement. 

However, the circumstances surrounding the promotion 's qualification process led to an unexpected and profound financial strain. After meticulously adhering to the promotion 's criteria, my account was flagged for review right at a juncture when, due to unforeseen expenses and obligations, I was compelled to temporarily withdraw funds, leaving a XXXX balance. This timing was unfortunately coincidental with the bank 's review process, resulting in an abrupt disqualification from the promotion. 

This disqualification came at a considerable financial detriment. The anticipated {$400.00} promotion was not merely a bonus but a calculated component of my financial planning, aimed at offsetting some immediate financial burdens and commitments. The abrupt withdrawal of this expected support, coupled with the bank 's refusal to reconsider their decisioneven after funds were replenished and the account was active againplaced me in a precarious financial position. It not only eroded my trust in the institution 's support for its customers but also inflicted a direct financial hit, exacerbating my financial challenges during a critical period. 

Subsequent attempts to seek understanding and rectification through customer support and escalation met with a rigid stance, underlining a disheartening lack of flexibility and empathy for customer circumstances. Discussions with management, including with XXXX XXXX, who acknowledged the rigor of the promotion 's terms, failed to yield any recourse or relief. This rigid adherence to policy, devoid of consideration for customer loyalty or the nuances of individual financial situations, underscores a distressing disregard for the financial wellbeing of customers. 

This experience has not only resulted in immediate financial strain but has also compelled me to question the value and integrity of my banking relationship with Truist, especially considering my significant mortgage engagement with the bank. The inability of Truist to offer flexibility or understanding in this matter reflects a broader concern about its commitment to customer support and financial empathy.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX  are fraudulent on my following accounts : XXXX XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX, XXXX.is fraudulent on my credit Account # XXXX
Product: Credit reporting or other personal consumer reports

I noticed my XXXX account has anywhere from XXXX late/missed payments throughout all 3 major credit bureaus. This information is inconsistent and false, as I have never missed a payment or been late.
Product: Credit card or prepaid card

From XX/XX/XXXX through XX/XX/XXXX, I was a resident of XXXX XXXX XXXX Due to the pandemic. During this time of my absence Someone stole my personal information and begin to use my credit cards and banking account. I notify JP Morgan Chase Bank about the fraudulent transactions on the slate and freedom credit cards. I was informed that both accounts were closed due to nonpayment in late XXXX early XXXX. I inform CHASE fraud department that any transactions on the accounts at that time we're not my own and ask for the account to be reopen and place at the balance it was before I left. As of, XXXX, there has been no action taken on either account only negative reporting to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have come to find out that our account was hacked and thieves have been making purchases through a virtual card which the bank allows them to use. These thieves have our personal information and anyone that had access to that can basically sign onto their system, set up a false virtual card number, and start making purchases. The bank even issues them a pin code. And they do not validate just assume it's us! WOW! Our bank accounts and limited credit cards, even though replaced, have experienced this!
Product: Credit reporting, credit repair services, or other personal consumer reports

NelNet grouped my loans. This negatively impacted my credit. My credit score dropped overnight by XXXX points. I am unsure if this is NelNet or XXXX 's error in reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not reporting my information correctly on credit file. My social security number is missing on Equifax credit file. Starting from XX/XX/2019, I have sent multiple documents to Equifax in order to update my SSN, including a proof letter from Social Security Administration, Driver 's license, and cover letter of problem statement. However, agents from Equifax said they couldn't make the updates and couldn't disclose the reasons. I think it is unreasonable and irresponsible so I need Equifax to investigate and update my SSN.
Product: Debt collection

I LEASED A XXXX  XXXX XXXX THROUGH SOUTHEAST TOYOTA FINANCE ( SETF ). AT LEASE END SETF REFUSED TO PERFORM THE REQUIRED INSPECTION AT MY HOME DUE TO XXXX AND REPEATEDLY REFUSED MY REQUESTS TO BE PRESENT AT THE INSPECTION. THE INSPECTION WAS THOROUGHLY UNSATISFACTORY. I DOCUMENTED THESE PROBLEMS, BUT SETF REPEATEDLY IGNORED THE CONTENT OF MY LETTERS. I AM ATTACHING FIVE DOCUMENTS WHICH DETAIL THE INCOMPETENCE OF THE INSPECTION AND OTHER ASPECTS OF THEIR DEPLORABLE BUSINESS PRACTICES. I PAID THE CHARGES I BELIEVED WERE JUSTIFIED. SETF RESPONDED BY CONTINUING TO BILL FOR THE UNSATISFACTORY CHARGES WHILE NEVER ADDRESSING THE SPECIFIC INSPECTION REPORT ERRORS. SETF FINALLY DECIDED TO CHARGE OFF THE DISPUTED CHARGES, BUT DID IT IN A WAY WHICH DAMAGED MY AND MY WIFE XXXX 'S CREDIT RATING. THEIR INCOMPETENCE AND UNFAIR BUSINESS PRACTICES SHOULD NOT BE PERMITTED TO DAMAGE MY CREDIT RATING. I BELIEVE I FULLY AND FAIRLY MET MY OBLIGATIONS TO THEM AS I HAD DONE WITH THREE PRIOR LEASES WITH THEM. THEY RESPONDED BY IGNORING ME AND DAMAGING MY CREDIT.