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

I spoke to a representor on XXXX and she stated that my account with Ally Financial was reported completely accurate. ( This was on a recorded line ). I pulled my credit officially the next morning and saw that there are several inconsistencies with the date of account opening, last active date and date of Last payment. I have enclosed a copy of the most recent report and highlight the dates that are all different through all 3 major Bureaus. XXXX, XXXX, and XXXX. The account in violation is listed below : Ally Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I wish to have said ; account completely removed from all three Bureaus immediately as they are in direct violation of the FCRA ( Fair Credit Reporting ACT ).
Product: Credit reporting or other personal consumer reports

The information that appears XXXX to XXXX and XXXX XXXX XXXX to my credit cards listed and all authorized user 's XXXX, Equifax, XXXX credit reports, employment screening companies, tenant screening companies, check and bank account screening companies, supplementary reports, and business credit reporting agencies ( XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, Equifax 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 XXXX XXXXXXXX ) does not relate to any transaction ( s ) that I have made. It is the result of identity theft. A police report has been filed.

These item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.

Please block this information from my and all authorized user 's credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Checking or savings account

After having a checking account with them for several months, I believe they closed my account as I can no longer login to my account. I called up on XX/XX/XXXX to find out if my account was closed and if so what day my account was closed. The customer service representative said " it was a high risk call '' meaning my phone call about my account being closed was suspicious. He told me that a supervisor would call me back in 15 minutes. That was on XX/XX/XXXX and no one called me back. Today is XX/XX/XXXX and I still have not received a phone call.
Product: Checking or savings account

XX/XX/XXXX I made a check deposit through mobile deposit banking. I was made aware that government check deposit funds into your account the next business day. However my check was placed on hold and I have been on the phone with customer service girls dept for 2 days straight. Ive spent over 8 hours on the phone being hung up on, told nothing can be done, or told they can do some thing but at certain times, Ive begged for them to call the correct departments that can verify my check but they say they cant. Then Ive called my branch that couldnt do anything other than to ask that holds dept contact the issuing bank, XXXX XXXX, the last 5 people Ive talked to said it was taken care of and home would be released within the hour. Well your came and went and no release still. I called back yet again and was told the senior department head declined my check release of funds!!!! I have never ever ever gone through so much ridiculous junk in my life and have absolutely no way out of. I was unable to get my check back from chase so that I could go to XXXX XXXX myself to cash it. Ive begged and pleaded and have been lied to, transferred, hung up on etc for 2 days straight. I will close this XXXX account and I will tell everyone I know on every social media platform how absolutely horrendous Chase bank is! I have to wait 10 days to get MY MONEY! What a complete and utter disgrace. The stress alone and caused me to get XXXX XXXXXXXX. I will never have anything to do with any Chase products of any sort.
Product: Credit reporting or other personal consumer reports

I am submitting in response to the recent investigation. I disagree with your findings and request complete accuracy. I am not convinced that sufficient efforts were made to contact the creditor reporting this information. Therefore, I am requesting more details regarding this specific account : XXXXXXXX XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX request immediate verification of the payment history and status of this account. Your records do not match mine, and I believe the reported information is incorrect. I have consistently made timely payments and have never been late on this account. I demand a thorough investigation and swift correction of any discrepancies to ensure legal and accurate reporting. As stipulated under the Fair Credit Reporting Act ( 15 U.S.C. Section 1681i ), please reinvestigate and update this disputed account. Additionally, provide me with the names and addresses of the individuals you contacted. You have fifteen ( 15 ) days from receipt of this letter to complete these actions as per 15 U.S.C. Section 1681i ( 5 ) ( A ), unless you notify me otherwise. Failure to verify within this period constitutes non-verification, and the accounts must be promptly updated in accordance with Section 1681i ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank debit on my credit report was paid and still shows as a charge off and delinquent. Has been just squatting on my credit killing my credit score for years and they will do nothing about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting and account on my credit file that is actually past the statue of limitations. I have disputed it with the bureaus and XXXX has said the information they are reporting is accurate. That is not accurate. There has been no payments or activity on that account for over 7 years. They sent a correspondence showing the last four of the  account number as XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   account does not belong to me it belongs to my ex husband
Product: Credit reporting or other personal consumer reports

XXXX, TransUnion, and XXXX : Unfortunately, my personal information on file with your company is not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Accounts : XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX acct XXXX XXXX, XXXX acct # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

I check XXXX XXXX couple times a month but when I look this time. I noticed a credit card from XXXX XXXX   ( Store card ). I called best buy to tell them I didnt open this card and its not mine. They couldnt find anything in my name about the card. I looked on my credit report to XXXX XXXX and its not there as of XX/XX/XXXX, XXXX same thing, it doesnt show up. But on XXXX its there, CBNA Account # XXXX..Opened onXX/XX/XXXX, Balance is {$1000.00} and limit is {$4000.00}. But the crazy thing is whoever has it is making payments on it and its not late.. Can you help me?? 

If you need to get in touch with me please call XXXX or email at XXXX Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I searched for XXXX  's XXXX tickets on XXXX XXXX XXXX and found the 4 tickets I wanted to purchase ; XXXX : XXXX. I texted the person with my contact information. I received a text from XXXX-XXXX-XXXX  stating ; Awesome if you free real fast I can explain how transfer and payment works. We talked and I told him I was out walking my dog and would call him back. Next text ; XXXX XXXX info XXXX XXXX XXXX-XXXX-XXXX. XXXX EST He again called me and stayed on the phone until the {$1000.00} was sent to XXXX-XXXX-XXXX  XXXX XXXX , then I asked about the tickets, which at that point I was hung up on. Called XXXX-XXXX-XXXX  with no answer, only a pre-recorded message XX/XX/2021 XXXX. I was to receive the tickets via XXXX. Called XXXX at XXXX-XXXX-XXXX  using a different phone number, she answered. I asked if it was XXXX and she replied yes and wanted to know why I was calling. I replied I'm calling about the money I sent you, she asked what money and I replied for the XXXX  's tickets. I was hung up on. 

I immediately contacted my bank JPMorgan and was told that she couldnt cancel the transaction because the button was grayed out and the fraud team would be able to help me get my money back but didnt open until XXXX EST which was in 15min. Called JPMorgan fraud team at XXXX on XX/XX/2021 and they said they could not do anything and didnt take any of my information about the incident. In frustration I called the fraud team 2 more times. The 2nd time same thing cant help you. 3rd time I got the lady to talk to me and she said sorry for what I was going thru. I asked her why they would use a service to send money that didnt protect me or my money? She said it is meant for family and friends. I again asked why they would use XXXX or why isnt there a 2 or 3 step process giving us warnings? Why would you offer XXXX when its not safe. After going on XXXX and seeing that scammer use XXXX because your bank nor XXXX will do anything to help. Later I learned of the Regulation E document which Reg. E provides that the disclosure be clear and readily understandable, in writing, in a form the consumer may keep. I have never seen this nor have received Reg. E in email or any other form. It is my belief JPMorgan is in violation of Reg. E because they failed to provide me with this documentation. Also they did nothing to send the receiving bank info on the scammer receiving my money in a scam? Never to this day has JPMorgan called and asked me for the number nor name in which my money was sent to so this person can continue to scam people and get money sent to their account. I feel JPMorgan has failed me in many ways and not sure I should stay with them because they dont seem to care about their customers. 

I as well contacted XXXX and was told there is nothing they can do other than report the incident. I submitted a scam payment form to XXXX. I also sent notice to XXXX with the post ids associated with this scam. I flagged the following XXXX post ids XXXX and XXXX as both are associated with XXXX tickets XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The account was charged off XXXXXX/XX/XXXX. The company has been reporting " XXXX  '' from then until XX/XX/XXXX and report shows a balance of XXXX XXXX continuously reported on my credit report when the account has been charged off. I asked for the tax form 1099c to prove they charged off the debt as a " loss and I would need to count it as income. I was told " we don't send those out ''. They are lying on my credit report or lying to me. Violation of FCRA Reporting Incorrect Information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote several letters to the bureau 's in regards to the inaccurate reporting of an account reporting on my credit report from XXXX XXXX XXXX. On XX/XX/XXXX I wrote a letter to the credit bureau 's Experian & XXXX to notify them that there is a past due balance reporting on a collection account from my understanding a collection account is past due account and should not have a past due balance. On XX/XX/XXXX I sent a letter to the credit bureau 's to notify them that the date of last activity is reporting inaccurately it's reporting XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), and XXXX XXXX ( XXXX ) which makes me believe the debt has been re-aged. I would also like it to be noted that XXXX is reporting a late payment of 120 days on a collection account from my understanding a collection account is a late account. There is also a date of last payment reporting for XX/XX/XXXX, however, there is no date of last payment reporting for Experian and XXXX. 

I would also like to add that the bureau 's failed to respond to my first two disputes as they continued reporting this account to my credit report so at this time I have no choice but to reach out to you at the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and navy fed. Fraudulent late payments listed on reporting that is inaccurate.and ID theft. Credit is XXXX and XXXX. Multiple accounts.
Product: Debt collection

Midland credit management has violated the FDCA as outlined XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX  ), which states that a consumer report is a medium of communication and thus subject cease and desist requirements. It is still reporting on my credit report after confirming that my account was listed as a cease and desist. See attachments below.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. the list of accounts below are in violation my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681, Section 602, states that I have a right to privacy regarding my credit information, requiring consumer reporting agencies to handle consumer data with fairness, impartiality, and respect for the consumer 's privacy when providing credit reports.

15 USC 1681 section 604 a section 2 states that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. 

15 USC 1681C ( a ) ( 5 ) 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 XXXX years. 

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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: Debt collection

XX/XX/year> I sent a letter requesting information on the debt in question. The company responded saying there was no contract or service agreement. I believe this lack of validation is a violation of 15 U.S. Code 1692g. I have attached my letter and their response letter.
Product: Student loan

I am enrolled in the Public Service Loan Forgiveness Program ( PSLF ). I have been enrolled in the program and working for a qualified employer since XX/XX/XXXX. Despite submitting appropriate records including Income Based Repayment forms, annual certification forms for the PSLF program, and being enrolled in the direct debit program, XXXX XXXX XXXX still has not calculated my payments correctly. My loan was transferred to XXXX from XXXX in XX/XX/XXXX. The payments I made with XXXX are not being counted and all the qualifying payments I have made with XXXX XXXX are not being counted correctly. I have spoken with this company 9 times since the spring of XX/XX/XXXX and this situation is still not corrected. My employer has spoken with them twice and given them my correct employment start date, but my qualified payments are still not correct. Based upon my calculations, I should have made 33 qualified payments, but XXXX XXXX servicing is only crediting me with 14.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was mailed a letter onXX/XX/XXXX stating my account was written as a charity write off. The account specifically says the account is considered closed. 7 months later XX/XX/XXXX they are saying the account is delinquent and now its on my credit report. They said in order for it to be removed I need to pay an additional {$15.00} which is unfair and the account was never supposed to go in collections.
Product: Checking or savings account

Money was taking from my saving account with out my permission. It started since 2012. I sent my Bank XXXX to the CFPB. And they want my email : which is XXXX. but I send them this email, XXXX, both the same they are my 's. I can be reach at XXXX, if you need to reach me. " Please response '' XXXX XXXX.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020 I received a payday loan for {$700.00} on line from Rapidtitleloans.They are funded by WLCC Lending.The loan is going to cost over {$1700.00} with the interest rate over 600 %. I live in Washington State.I have made 3 payments of {$150.00}. I called to have ACH withdrawals stopped.Was told it has to be done by email. I email and get no response.I call customer service again and am told they have not received any emails.I contacted my bank and paid a {$35.00} fee to try to stop the ACH withdrawls.
Product: Mortgage

I received support from Wells Fargo during the COVID-19 impact and had some issues with them processing transactions on the account. I had been in contact with XXXX XXXX during this period and as indicated during the previous CFPB complaint and we came to a resolution that satisfied what I was looking for in terms of moving two of the payments to the end of the loan. I came out of the COVID assistance program one month early and began making payments on my account in XX/XX/2020. On XXXX XX/XX/2020, I was told to call Wells Fargo to request the payments from XXXX and XXXX be moved to the end of the loan and I made this phone call as requested from XXXX XXXX, and as of XXXX XXXX, the payments still have not moved. 

Out of fear that Wells Fargo would report the account as delinquent because the noticed indicated that I begin making regular payments on XXXX XXXX, I made an arrangement for the payment on XXXX XX/XX/2020. On XXXX XX/XX/2020, I reviewed the account and noticed that Wells Fargo instead on applying the payment to the account, they placed it in a Hold Status because the account was still showing the two deferred payments from XXXX and XX/XX/2020. 

I have attempted to reach out to XXXX XXXX on several occasions and have not received any response back. I believe that this notice that they sent me was just to keep me quiet, but in the end, my account will be reported as delinquent because they have not held up to the promise to move the payments to the end of the loan. I feel that I may have to request COVID assistance again because of this and my inability to make the 2 payments at once which is the reason for the request to move the two payments to the end of the loan. 

I have attached the initial response from XXXX XXXX to this complaint and I have sent an email back to Wells Fargo indicating that I intended to file another complaint against the company. My loan was current at the time of the COVID assistance and now I feel that Wells Fargo will attempt to say that my loan is not current now because of them not applying the payment to the account.
Product: Credit reporting or other personal consumer reports

These companies are reporting inaccurate information. some of the dates and amounts don't match across all credit agencies. They have also violated the privacy act of by furnishing my information without my permission. The fact that my credit reflects my student loan information is also a violation of the XXXX XXXX Rights and Privacy Act ( FERPA ). there should only be one address on my credit report in XXXX, Ga all other addresses should be removed. the rest are NON DELIVERABLE ADDRESSES. There should only be one phone number on the account ending in XXXX.
Product: Money transfer, virtual currency, or money service

XXXX XX/XX/2023, I sent a complaint to Venmo about this issue, but I have not heard back. Other users have the same complaint here. 

XXXX XXXX XXXXXXXX About a week ago, I was no longer able to login and access my venmo account. I just receive an error message that says " XXXX Exception : Unauthorized action.. '' I have XXXX XXXX XXXX sitting in my account that I need to access.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I reviewed A copy of my credit report and it shows the inquiries above are fraudulent and i have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home
Product: Student loan

This is the second time I 've submitted a complaint about my XXXX student loan which I 've been repaying for since 2006. Now that XXXX is closed I 'm still paying for a degree the Federal Government deems worthless. I 've repaid the original amount and just want to know what can be done with the remaining balance.
Product: Checking or savings account

On XX/XX/XXXX at approximately XXXX pacific , Navy Federal Credit Union froze my checking account and all ability to withdraw or transfer funds. The collections department froze my account at close of business on Friday knowing that they are not staffed on the weekend or after hours and I would be unable to contact them or resolve until Monday. This left me stranded, without funds for fuel or food, while away from home with my XXXX children. Calls to the 24/7 NFCU line were unsuccessful and they refused to tell me why my account was frozen and simply said I had to wait until Monday. 

I have over XXXX in my check account which primarily comes from VA XXXX payments, as I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX veteran. These funds federally protected from freezes etc. 

On XX/XX/XXXX I went in person to the XXXX XXXX California NFCU Branch, hoping to withdraw my federally protected funds in order to feed my children and pay bills until I could contact their collections department on Monday. They were unable to help me but did in fact corroborate and confirm the fact that the XXXX payments are protected from freezes and was in fact a violation of law and my rights but were unable to help at this time. 

This has led to horrible embarrassment, defamation, and severe financial hardships on myself as a single father of XXXX who is XXXX XXXX XXXXXXXX. All my funds and direct deposits are in this account and now I am unable to feed my children, pay rent, and now multiple accounts and bills are delinquent. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Ive been banking with XXXX XXXX for a while now. While I shouldnt have deposited a check that wasnt mine, they are still taking 45 days to even see a status on my account. I was told I would be receiving a call or letter but it has been nearly 31 days and have yet to receive anything.
Product: Checking or savings account

I applied with my husband to open a checking account and was denied because the bank, XXXX XXXX XXXX XXXX XXXX was unable to verify my Date of Birth through a system called " ChexSystems. '' They could not provide me with any further information and just said I would have to call Chex Systems. I attempted to call them, but it is just a recording -- you ca n't even speak to a real person. The only automated option was to request my report, which I did. I received it a couple of days ago and it contains no information. All it has is my name and address on it. This is insane. In my 35 years, I have opened bank accounts, credit cards, had mortgages, and car loans. I ca n't get any further information from ChexSystems and do n't know what to do if they do n't correct their information.