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

In accordance with the Fair Credit Reporting Act under 15 U.S.C. 1681 section 602 A states : I have the right to privacy.15 U.S.C . 1681 section 694 A Section 2 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. 


The list of accounts appearing on my credit files by XXXX, XXXX and Equifax below have violated my federally protected consumer rights to privacy and confidentiality reporting as stated above : XXXX XXXX XXXX XXXX ( Acct # XXXX )
Product: Checking or savings account

Deposited official check in the amount of {$2500.00}. Asked Wells Fargo customer service when funds would be available and if there was any chance that the check could be charged back to me. They said funds were available and the check could not be charged back. A week later, the check was charged backI had used the money and now my account was negative. I lost the {$2500.00}. Wells Fargo lied to methis happened in XXXX.
Product: Credit reporting or other personal consumer reports

I file a formal dispute on the XXXX of XXXX pursuant to the XXXX account XXXX It came back through experian as verified even though i reported it as identity theft, got in contact with them and have proof they deleted the item from being reported. Experian still is not compliant see attached document
Product: Mortgage

The servicer on my loan was transferred twice between XXXX and XX/XX/XXXX. Before any transfer took place, my loan was through XXXX/XXXX  and the type was conventional without PMI. The modification is on file for taking place in XX/XX/XXXX. This information also corresponds with my documents, the FHA database, and my credit report. Though I made this immediately clear to Shellpoint/NewRez and the investor known as " XXXX XXXX XXXX XXXX XXXX '', they have refused to acknowledge and correct their/the error. Instead they're rude, judgemental, with condensending behavior that act as if companies can not make errors. I've sent all documents including an email directly from the loan Originator stating the way the loan was sold. I've called, emailed, faxed the information twice but they have refused to make any corrections or even reach out. I have about 50 % equity in the home and a conventional loan and wish to not have an Escrow account. My payment was adjusted by them including a XXXX escrow payment for this month ; making payment over XXXX for a 30 year with only XXXX in principal. I immediately need the company to identify the error, correct the error, remove dangerous escrow account, correct payment amount and refund my money ; therefore allowing safe funds in a interest gaining account.
Product: Debt collection

I have called multiple times and spoke to multiple agents and my issue still has not been corrected. My account was sent to your law firm XXXX, XXXX, XXXX. I paid in full. Last payment processed XX/XX/XXXX. I contacted the law firm on XX/XX/XXXX XXXX to confirm my payment was accepted. They told me it posted XX/XX/XXXX and that it took 10 days for it to get to Midland. After 10 days, I contacted midland because my account was still showing a balance on your website. They told me that they still had a balance on their end and to contact the law firm. I called the law firm they said they did their part and I needed to contact midland. Midland says I should receive something in the mail soon and it will update with the credit Bureaus. Im steady going back and forth and I get an alert to my credit report on XX/XX/XXXX that Midland has increase my amount balance due to them to {$44.00}. My credit score drops! Im devastated. Trying to buy a home and this happens. They reported incorrect information. Per their policy This account needs to be updated to reflect {$0.00} balance and deleted as agreed upon in the policy.
Product: Vehicle loan or lease

SANTANDER XXXX This account should no longer be reporting on my credit file as it was part of a lawsuit. The $ 550M Santander Car Loan Settlement was reached in 2021. Delete this account from my credit file right away.
Product: Credit card

I have a " XXXX '' credit card from Capital One Bank. Listed on this site are the Capital One " XXXX '' benifits. ( XXXX XXXX XXXX ) XXXX of the listed benifits is a extended warranty coverage extending the manufacturers warranty for an additional year. 
I have attempted to use this extended warranty coverage for a product purchased on XX/XX/year>. 
Capital One has refused to honor this listed benifit. 
The reason they have cited is that the card is being upgraded. They state I currently have a visa platinum and it is being upgraded to a visa signature. They have refused to provide the visa platinum guide to benefits. However, they have refused to provide a timeline for when this will occur. This leaves me without the ability to use the extended warranty my card should cover and having used the card to make large purchases with that belief. 
Consumers are making purchases on this card with the belief that Capital One will honor their benifits, when this is not true.
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/XXXX, I obtained a home improvement loan from XXXX for {$35000.00}, which came with an 18-month promotional 0 % interest period ending on XX/XX/XXXX. Throughout the promotional period, I received monthly billing statements from XXXX, which consistently indicated that no payment was due until XX/XX/XXXX. This led me to believe that as long as I paid off the loan by XX/XX/XXXX, I would avoid any interest charges. 

On XX/XX/XXXX, I made a full payment of {$35000.00} based on the billing statements that indicated this was the first payment due date. Despite this, XXXX subsequently charged me {$6700.00} in back interest, claiming that the balance needed to be paid in full by XX/XX/XXXX, to avoid interest. However, this critical detail was not clearly communicated in the billing statements, nor was there any reminder or warning of the XX/XX/XXXX deadline. 

I contacted XXXX to dispute the back interest, explaining that their statements had been misleading and that I acted in good faith based on the information provided in the statements. Despite my dispute, XXXX refused to waive the interest charges and insisted that the charges were valid based on the original loan terms. Fearing damage to my credit score, I was forced to pay the {$6700.00} in back interest on XX/XX/XXXX, even though I strongly believe these charges were applied unfairly and due to misleading billing communications. 

I am seeking assistance from the CFPB to investigate XXXX  deceptive billing practices and to have the {$6700.00} returned to me, as I complied with the payment schedule provided to me by XXXX  billing statements.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account # XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/year> Inquiry Name : XXXX XXXX XXXX XXXX XXXX All Acccounts Have Violated My Rights per 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an extensive history of credit that was in Equifax. Recently tried to pull my credit report and they dont have a credit report on file for me. I asked how was this possible no one knew an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items that are listed are not my items.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX  and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Student loan

I have now attempted twice to do my yearly recertification for the PSLF program. They didn't even read the corrected form I sent them. Their excuse for denying the qualifying payments : MISSING INFORMATION : Your employer certified the dates of employment that were entered in Section 3 of the ECF. However, the employment end date is before the employment begin date. Complete and return the enclosed form. Make sure that your correct employment begin and end dates are shown in Section 3 and that your employer certifies the correct dates. 

This is INCORRECT. The form clearly states that I started working at my current employer on XX/XX/19 and am STILL EMPLOYED ( box checked ). I have attached their letter and the corrected PSLF form I submitted to Fed Loan Servicing. I've gotten nothing but the run around from this servicer as they continue to try to deny qualified requests for PSLF program.
Product: Credit card or prepaid card

I keep trying to pay my XXXX XXXX bill with Comenity and their site has been down for over a week, and their phones are down, and when I finally did get to attempt to login further, it said my account was closed. I make on-time payments on the XXXX of every month and still owe a XXXX  balance. I literally just want to pay my bill. Im so stressed out because its not letting me and nobody is answering their phones.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 CFPB, PLEASE HELP! 

Experian is not helping me with dispute requests on my credit profile they have complied against me. They continue to ignore my complaints that I continue to send to them directly or indirectly. 

1 ) XX/XX/2020 Experian mailed in dispute was IGNORED ( certified mail no. XXXX ) 2 ) XX/XX/2020 CFBP Compliant submitted and CLOSED by Experian with no action taken ( no. XXXX ) 3 ) XX/XX/2020 CFBP Compliant submitted and CLOSED by Experian with no action taken ( no. XXXX ) 4 ) XX/XX/2020 CFBP Compliant submitted and CLOSED by Experian with no action taken ( no. XXXX ) 5 ) XX/XX/2020 NEW TODAY - COMPLAINT SUBMITTED VIA CFPB PORTAL ( complaint no. PENDING ) New action will be taken against Experian if they continue to ignore my complaints. 

Thank you, XXXX
Product: Student loan

My loan servicer is Navient, after spending XXXX hours in their phone queue, I was able to talk to someone about my private student loans and getting them into forbearance. Navient was unable to find the forbearance letter, and suggested that I did not actually get the private loans approved by them. After asking to talk to someone about getting them into forbearance, they hung up on me.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX Balance : {$480.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX/ XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

This complaint is concerning a debt collector without permission accessing my employment data report from the work number from XXXX on XX/XX/2024. Companies are only allowed to procure my data from this report if I give permission to do so. Having a debt collector accessing this information illegal violates my rights according to the FCRA. This can damage my chance for future employment and future housing opportunities. If someone is looking to verify employment or income they must allow me to direct them to XXXX which this debt collection company Skyes , Bourbon , Ahern & Levy P.C did not do. Plus the data report states they accessed the report for employment purposes. I never applied for a job with them or applied for any type of product or service that allows them access to my report. Accessing my data report for employment purposes is false and violates my rights according to the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX credit cards that I pay in full monthly that Im the authorized user on. Transunion is not reporting the information and removed the wrong accounts from the report. They refuse to re - add the information.
Product: Credit card

Several attempts to open a credit card using my personal information. Banks included. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Calls were made to put fraud alert on all applications
Product: Vehicle loan or lease

I had a loan with Wells Fargo back in XXXX on a vehicle. This is now XXXX and when I try to get the title on the vehicle it say that Wells Fargo name is still on the title. Wells Fargo state they sold my account to another company. The other company is not listed and it is still showing Wells Fargo which mean the company who they sold my account to has nothing to do with the title. I only want Wells Fargo to go ahead and release the title. It has been 15 years and I need to get rid of this car.
Product: Debt collection

I received a statement for {$210.00}, amout due from a bill of {$2900.00} for XXXX XXXX XXXX  They gave a date of XX/XX/2023 but no discription of what it was for. I checked with XXXX and I do not have any outstanding debit for that time peroid. The only thing I owe currently is for an outpatient procedure performed on XXXX XXXX, which I am making payments on. 
The company that sent this to me is ; Paragon Revenue Group, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a payment online to HSBC Bank in the amount of {$1300.00} from my XXXX checking account. On XX/XX/XXXX it was credit to my HSBC account and showed an available balance of a little over {$2200.00}. On the same day, my XXXX checking account showed the {$1300.00} had left my account and paid to HSBC Bank. 

On XX/XX/XXXX I wrote a balance transfer ( convenience check ) to XXXX XXXX for {$1300.00}, that were issued to me by HSBC when I first received my credit card with them. On XX/XX/XXXX, XXXX 's stated the check was returned and to " Refer to Maker ''. When I spoke to XXXX 's, they stated that HSBC did not honor the convenience check and to speak with them. XXXX 's charged me {$37.00} for the returned check. I contacted HSBC 's customer service and they didn't understand why it was returned because my account showed I had sufficent available credit to cover the check. They stated that they should that my payment in the amount of {$1300.00} on XX/XX/XXXX cleared and posted to my account on XX/XX/XXXX and that the convenience check written on XX/XX/XXXX to XXXX 's should have cleared without any issues. They stated they would investigate the matter and that they would reimburse me for the {$37.00} returned check fee that XXXX 's charged me. 

After a few weeks with out being reimbursed, I contacted customer service again and was told that even though my {$1300.00} payment posted and was credit to my account on XX/XX/XXXX, that it really didn't clear until XX/XX/XXXX and that is why the check written to XXXX 's on XX/XX/XXXX didn't clear and was returned unpaid. When I questioned them on this they stated that its in my terms and conditions that payments made may take up to 14 day 's to post. I explained to them that my payment didn't take that long and that I have proof from XXXX and my online account with HSBC that shows it cleared and posted on XX/XX/XXXX, they still refused to admit fault and reimburse me for the {$37.00} returned check fee that XXXX 's charged me. 

After that, I requested to speak to a manager 3, being put on hold for well over 30 minutes each time and after being on the telephone for well over 2 hours, they hung up on me without ever letting speak to a manager.
Product: Credit reporting or other personal consumer reports

Violations : ( 1 ) 12 CFR subsection 1022.3 IDENTITY THEFT : - I never gave written consent to add any information to my report.

( 2 ) P.L90-321 ( 82 Stat.146 ) states that any agency can only get my report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ). - No such agency has requested any information about me.

( 3 ) 15 U.S. Code subsection 1681 c : No adverse item besides the conviction of crimes should be on my report. Any item that is derogatory mark is not allowed into consumer reports.

( 4 ) 15 U.S. Code 1681 c - 2 Block of information resulting from identity theft.

These are the companies that have violated Not just my Privacy Rights- PRIVACY ACT OF 1974 ( 5 U.S. Code subsection 552a ). 

Companies that have violated my trust code. The first one : is Navy Federal. They not only have my information exposed, but They have also reported a negative report without my written consent., along with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 Balance : {$0.00} ; US DEPT ED XXXX Balance : {$2200.00}.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts XXXX XXXXXX/XX/XXXX {$19000.00} XXXXXXXX XXXX  {$2300.00} XXXX XX/XX/XXXX {$5800.00} XXXXXXXX XXXXXX/XX/XXXX {$700.00}
Product: Checking or savings account

My husband received a text stating " Free message : XXXX just attempted a transaction on your account? Answer Yes/NO, if it was not you, you will receive a verification call from our customer service number '' from XXXX ( XXXX ) XXXX. He answered " no '', and our XXXX account sent a {$1500.00} payment to his ex-wife out of our checking account. She then got a text asking if she was expecting a payment from him, she said yes ( we are paying her monthly {$150.00} for their daughter 's cell phone ), and then the funds were diverted to another account. I disputed this charge with my bank ( Chase Bank ). They initially credited our account with the stolen funds, but today they took back the {$1500.00} saying that the debit is valid because my husband approved the XXXX payment and it went to a person we've Venmoed before. This was around a month ago. XXXX said this is a common scam, but Chase said they will not give us our money back. They would not let me speak to the people who determined the matter, and they said I can only dispute the matter via fax or letter. They said they have sent me a letter in the mail with the next steps.
Product: Credit card

On XX/XX/year> I made a payment for my Citi anywhere Costco card from my XXXX bank checking account. The Citi sent me a confirmation of payment, and after that I received a message that the payment ( check ) was canceled and the fine for this was {$30.00}. The transaction is electronic and I did not send any check. The second thing is that I did not change anything in my XXXX account to pay to the Citi Anywhere card. I called both banks and they are shifting the blame to each other. And everyone says it's an electronic transaction error with the account numbers. I don't want and shouldn't have to pay fines for bill payment system errors! I attachment There are 3 accounts in the attachment, none of them are associated with my XXXX account. These are the numbers from which Citibank tried to receive payment for my card.