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.

All accounts closed or charged off or negative on my credit report are not accurate.

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 was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : 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  Balance {$0.00} ; XXXX XXXX XXXXXXXX Balance {$5500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022.
Product: Debt collection

I used the  XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX . Where the ambulance was sent to was not my address. They claim to have sent bills to this address which only 2 initial bills were received. I then called this provider to give my insurance information and address. This provider never changed my contact information. After my insurance denied to cover this provider 's claim because they submitted the claim too late ( which I had no knowledge of ),  XXXX   XXXX  never attempted to contact me about the balance due. They sent me to  Penn Credit Corp c ollections in  XXXX  without my knowledge . Penn Credit Corp never attempted to contact me to collect my debt. They only way I found this out is due to the fact I check my credit score every month and last month it dropped dramatically. I then called Penn Credit Corp, gave them the correct address and they told me they will resend the bill information to my correct address so I can have proof and dispute it with them, my insurance, etc. I have yet to receive anything from this debit collector and it has been two months since I have contacted them. They will not provide me wit h any physical documentation of my debit. Giving me no chance to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts 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 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

I had fraudulent charges on my account due to my card getting stolen and I potentially knew who the suspect may have been. I reported it to my bank gave them all the information I had and they asked that I do a police report. I did the police report answered any questions they had and that was it. My bank tells me Im denied because I didnt name the potential suspect to the police. They also said there were no errors on my access code to my debit card. I called back explaining that I believed the information I gave the bank and the police were sufficient for them to work together to look at cameras to see who may have actually used my card. The individual working on my case told me from the beginning that they can deny my claim for nothing if they really wanted to however he felt as though I withholding information on purpose. Overall this put me in a very bad situation financially. Im not able to pay my full rent or car payment at all.
Product: Consumer Loan

In XXXX 2013 my sister I were shopping for vehicles and a dealer at Nissan incorrectly put my name on her car loan. I purchased my vehicle the next day from a different dealership. I checked my credit report serveral months later and saw the mistake. Nissan refused to change the paperwork and my credit and dti suffered tremendously from this error. I have disputed this account serveral times and only one of the credit bureaus removed it from my report. All payments made to the account were made by my sister from her bank account and not mine. I believe this was an illegal straw purchase made by the dealer on behalf of dealership to make a sale.
Product: Student loan

Navient is my student loan servicer. I find their notices about payments opaque and misleading. They seem to send payment reminders unreliably, having seemingly skipped one for me in XX/XX/XXXX. Furthermore, their reminders are misleading and confusing. For example, on XX/XX/2017 I received a notice that my " payment was due. '' The email contained no further information than that. But, that same day, I also received my " monthly statement '' that stated an amount and a " Due date '' of XX/XX/<YYYY> You could see how this is confusing. I feel like I am being assessed late fees, and that by making keeping track of my loans difficult they pushing their customers, hard, towards autopay. It 'd be trivial to add basic information such as the amount and the due date to their " payment reminders, '' virtually every other company I interact with does. I am writing you now after having contacted them to see if there was any way I could improve the reminders I was receiving. Yet, there was not. Given the choice, I would switch to another loan provider, but that is not an option available to consumers in this market.
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE BEEN A VICTIM OF IDENTITY THEFT
Product: Debt collection

the company is called Ar Resources, and they have reported 3 separate accounts to all 3 credit agencies. the first was reported XXXX XXXX, XXXX for {$680.00}. The second was reported XXXX XXXX, XXXX for {$1400.00}, and the third was input XXXX XXXX, XXXX for {$710.00}. I have demanded that they send me proof with my signature that i opened these accounts, as per section 609 of the fair credit reporting act, but they have yet to do so. These need to be deleted from XXXX, XXXX and XXXX immediately since the company failed to provide me with signed proof that these are my accounts
Product: Mortgage

In XX/XX/XXXX, I was laid off from my job and called Ditech and told them I was struggling to make my payments because I was unemployed. I talked to quite a few people and no one offered any help at that time. 

In early XX/XX/XXXX I applied for a modification now that I am back on my feet and Ditech denied me saying I was not eligible because I can not be more than 6 months behind ( If they offered help in XX/XX/XXXX I may not be ) and because the amount after modification would be to much. All they offered me is a short sale and I want to stay in my house, I don't want to have to move my young kids. 

I want Ditech to help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed items and closed accounts on my credit report with XXXX and Transunion for many months. Not only have they not removed the closed accounts, which would hopefully raise my credit score, they put old accounts that haven't been on my history for years, back on to my credit history. If an account is closed, why won't they remove it from my credit history?
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my credit ran today XX/XX/20 to see if I pre-qualified for a home loan however, when my report came back I was told I wouldnt qualify for a home loan due to some accounts in negative standing appearing on my credit report. I wasn't aware that there were accounts in negative standing on my credit so I looked over my report and there were two accounts from XXXX XXXX XXXX XXXX and one from XXXX  XXXX XXXX that are not mine. I have no idea who these accounts belong to or why they're on my credit but I never allowed anyone to use my personal information such as my name, social security number, DOB or address. I did not receive anything from these accounts being open in my name and I did not make any payments towards these accounts. I do not have any written/verbal contract with those companies and I never gave them access to my credit information. I have already filed a police report as well as a complaint with the CFPB regarding these suspicious accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Product: Credit card or prepaid card

On XX/XX/2019, I was fraudulently charged for products that I didnt authorize the purchase of. The products showed up on my doorstep several days later. When I saw the products on my doorstep, I checked my credit card app to see if I was charged for the products and found that I was. I immediately contacted my credit card company to report it as fraud and locked my card. I get a letter in the mail saying the charges were put back on my card. Then, on XX/XX/19, I get an alert about a purchase adjustment made to my account. The charges were taken back out of my account, and when I contacted capital one, my credit card company, about this, they said that when they spoke to the merchant that allegedly committed the fraud, the merchant told them it was not fraud. I told them when I filed the fraudulent charge that I had evidence if they needed to see it, and was told to keep it in case it is ever asked for. No one ever asked for my side of the story. How can this investigation be completed with only one side being told?
Product: Debt collection

Portfolio Recovery Associates checked all 3 of my credit scores via hard inquiries without my permission and was apparently ignorant enough to think I wouldn't check. 

I would like to submit a formal complaint and have already been in contact with a lawyer.
Product: Vehicle loan or lease

I had co signed a loan for a girl XXXX XXXX, she stopped paying her car and her and the car got repossessed, her grandmother helped her pay all the fee and amount she needed to retrieve the car, she paid the amount owed and got the car out of repo, and I received the title in the mail and gave it to harmony 's grandmother, I get a call from Santander today saying I am 57 days past due and in and owe {$530.00} and change and thretin me with repossession again, and now there ruining my credit. I need help.
Product: Credit card or prepaid card

Referring to DISCOVER card 's {$50.00} referral bonus. I was both referred by a friend over a month ago and I referred somebody else two weeks ago. By the terms of the promotion, I should have received {$100.00} total for both referrals. It has been a month since opening my credit card ( my first purchase was XX/XX/XXXX ), and I have not received anything to date. Discover customer service has not been able to help after contacting them multiple times.
Product: Mortgage

Button Finance kept stringing me along for months assuring me I was getting a HELOC approved when it was actually a 2nd mortgage and when the Notary appeared at my home for signing ; I called XXXX at Button and he simply stated " that's the way the Title company processed the paperwork " and that was unacceptable so I did not sign the paperwork and he called me a " clown '' for not signing the paperwork and told him he's a con artist. 

I also questioned some of the fees in which I provided paperwork for like access to my credit reports and employment verification information. He just could provide reasoning for some of the fees so I refused to sign and he also had my Homeowners insurance company put Button down on my coverage as a mortgagee which was inappropriate when I have not signed any paperwork yet.
Product: Credit reporting or other personal consumer reports

Creditor : XXXX XXXX XXXX Account Type : Auto Loan Account Status : Open Balance : {$17000.00} Last Payment Date : XX/XX/2024 Late Payments Reported : 3 late payments ( last reported in XX/XX/2024 ) III. Inaccurate and Inconsistent Reporting Across Credit Bureaus The most concerning issue is that the late payments on this account are being reported differently across the three major credit bureaus : Experian is reporting 3 late payments ( with a 30-day delinquency ). 
XXXX reports the same late payments but lists them as a 60-day delinquency. 
XXXX shows the account as open with no late payments, though the other bureaus report late payments. 
This discrepancy in reporting is a violation of the FCRA, which requires accuracy and consistency in the information shared across all credit reporting agencies. The inconsistencies in the way this account is being reported suggest that either : There is an error in the reporting by XXXX XXXX XXXX, or The credit bureaus are not performing their duty to ensure accurate and consistent reporting. 
Such discrepancies can have a negative impact on my credit score and can mislead potential lenders. It is unlawful for one account to be reported in such different manners across credit agencies, as all credit reporting agencies must report accurate and consistent information. 

IV. Dispute Summary and Violation of Rights I dispute the late payments reported for this account on the basis of the following violations of my rights under the FCRA : FCRA Section 1681e ( b ) Accuracy of Information Violation : The account is being reported inaccurately and inconsistently across the credit bureaus. This inconsistency violates the FCRA 's requirement that information on a consumer 's credit report must be accurate and consistent. 
FCRA Section 1681i Disputes and Investigations Violation : I have disputed these late payments with all three credit bureaus multiple times, but they have failed to adequately investigate the matter and update or correct the information. The FCRA Section 1681i mandates that credit bureaus must investigate disputes and correct inaccuracies if the information is found to be incorrect. 
FCRA Section 1681s-2 ( b ) Duties of Furnishers of Information Violation : XXXX XXXX XXXX XXXX as the furnisher of information, failed to conduct a reasonable investigation into my dispute and did not report accurate and consistent information across all bureaus. FCRA Section 1681s-2 ( b ) requires furnishers of information to ensure that the data they report is accurate and consistent.

FCRA Section 1681c Time Limitations on Reporting Violation : If these late payments were inaccurately reported or occurred due to processing errors, they may no longer legally be reportable under FCRA Section 1681c, which limits the time a negative item can remain on a credit report to 7 years. 
CFPB Oversight Enforcing Consumer Protections Violation : The CFPB is responsible for enforcing the FCRA, and I request that the Bureau investigate this matter. The inconsistencies in reporting across the credit bureaus violate my rights under the FCRA and should be rectified.
Product: Checking or savings account

On XX/XX/2021 Bank of America closed my checking account with the balance of {XXXX} and blocked the whole money at the midst of corona virus pandemic. I had no money in those difficult pandemic times and it caused my family get in the trouble. The bank also reported it as a fraud to XXXX XXXX and XXXX XXXX XXXX. After many contacts with the bank, finally they stated that the reason of this action was depositing money from XXXX  accounts to my account. The last amount that was deposited in my account was related to the money that my cousin, who lives in my home country, owed me. Since my home country 's banks do not have any relation with the United States, this money was deposited ( {XXXX} ) through an exchange currency office a few hours before my account was closed. I didnt know at all the exchange currency office deposited it from XXXX  accounts. 
After many contacts and follow-ups with the bank, I was received a check in the amount of {XXXX}. Despite of many contacts and sending a letter with detailed explanation along with documents to the bank, not only have not gotten the rest of my money back, but not even received any response from the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX XXXX Account. 
I co-signed for my spouse on XXXX/XXXX/XXXX who filed bankruptcy around XXXX, XXXX. This account was never a joint account. I was asked to co-sign for him. After he unfortunately filed for bankruptcy, the bank stated reporting this debt on my credit. They also include previous debt before the bankruptcy filing on my report presenting stating the account as a joint account. I was never aware that the account was opened as a joint account. I was only asked to co-sign for him to help him get the loan. 
Therefore, I want the report placed on my report that I am delinquent in payment from XXXX XXXX to XXXX, XXXX, and from XXXX to XXXX, XXXX removed on my credit report. I was made aware of this problem after one of my credit card company specifically stated where the delinquent payment report was coming from. 
I do not believe that delinquent payments reports before and after the filing should be placed on my report for something I was not in control of and nobody try to contact me about the situation. 
I have already called the bank to may payments and schedule future payments but the account was never a joint account and I did not default in payment.
Product: Payday loan, title loan, or personal loan

I purchased a washer online thru Conns website I applied for credit got approved for {$5500.00}. I purchased the washer on XXXX when I was completing the application I was approved for interest free payments for 12 months and {$100.00} off my purchase. After completing my first application I didnt get my {$100.00}. I called Conns I spoke with Agent XXXX XXXX and she gave me {$150.00} off the purchase and the ensured when I signed my contract it will give me an opportunity to choose interest free. I reviewed the contract didnt have the opportunity for interest free. I Emailed the company got no response so I figured it would be the same as my XXXX XXXX account the interest would not be added as long as I made 12 equal payments of {$82.00}. I received my paper work mid XXXX showing I would be charged more interest then the total cost of the washer {$970.00}. I called Conns I was told by an Agent because I did not spend my total amount I was approved for I was not entitled to interest free. Not at anytime before I signed the contract was that explained they cant tell you after you sign the contract you have to spend all you are approved for.I then spoke with XXXX and the agent insured the contract would be fixed to get interest free. I am on my 3rd payment and I heard nothing from Conns on fixing the loan to reflect interest free. I borrow {$970.00} I will only pay 12 payments of {$82.00} and I will pay no more.
Product: Credit reporting or other personal consumer reports

I Looked upon my credit report and discovered this accounts that need to be deleted.
Product: Student loan

For 2 payments Aidvantage has not applied the correct amount taken from my bank to the loan. I have asked for this to be fixed over 6 weeks ago on XX/XX/XXXX. I had to call 3 times before someone actually helped me with it, the first two people that I spoke with hung up on me after learning what the problem is. Finally, I got through and submitted my bank statement for them as requested as proof that they took the extra amount from my bank. They told me it will take 4-6 weeks to fix. Now, we are outside of that time and not only is the issue not resolved, but it has actually gotten worse because they implemented a payment reversal on one of the payments ( more detailed info below ). I tried calling again today to get the problem resolved and I was once again hung up on once the representative realized what the problem was. I have also been requesting this all to be in writing or done through email throughout but they are refusing. 

Payment 1 : XX/XX/XXXX - {$200.00} was taken from my bank account but only {$100.00} was credited to the loan. Later, after I spoke with them on the phone about the problem, a payment reversal was done on my account that removed the {$100.00} that they had credited on the loan. So now the full {$200.00} that was taken from my bank account has not been applied to the loan. 
Payment 2 : XX/XX/XXXX - {$100.00} was taken from my bank account but only {$75.00} was credited to the loan. No payment reversal on this one.
Product: Debt collection

I have an old collection that was opened in 2014 with Hunter Warfield. I tried in passing to correct this debt but the company was very rude and laughing in the background. The debt accrued over {$2000.00} in interest over the years. ( now over {$8000.00} ) This debt has to do with apartment complex years ago. ( XXXX XXXX XXXX ) There was an eviction on my record that has fallen off. A new company has taken over and recently this year put it on my credit report as if it were a new account. Ive done a lot of research on this and it is very much illegal. They have threaten to garnish wages from my bank account as well which is also illegal. I have worked very hard on my credit and feel that this is very unfair to act as if this were a new charge and to bring my score down way low when trying to buy a house.
Product: Credit card

XXXX XXXX, Social # XXXX : Date of Birth : XXXX, This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXXn credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXXXXXX XXXX XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I ' ve attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of theaforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.