23daVinci/CFPB_Complaints huggingface dataset:
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 items ( A ). It is not permitted to report these items 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 deletion due to inaccurate reporting in my file. 
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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX XXXX in XXXX, MI reported to XXXX that I was deceased instead of my Mother, XXXX XXXX ; the former joint lendee who passed on XX/XX/XXXX. Due to the XX/XX/XXXX holiday, I notified XXXX XXXX XXXX on XX/XX/XXXX or XX/XX/XXXX and have provided her death certificate ( please see Exhibit A in the attachments ) multiple times from XX/XX/XXXX to most recently on XX/XX/XXXX. 

Now, Mr. XXXX XXXX, Acct Mgr in the Loan Dept says I need to provide a NOTARIZED copy of the previously submitted documentation. Please note this has been submitted previously several times to XXXX XXXX XXXX, the XXXX, the Consumer Finance Protection, XXXX, Equifax, XXXX, XXXX and the MI Attorney General 's Office.
Product: Credit reporting, credit repair services, or other personal consumer reports

all not mine fcra violations : XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX  XXXX XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX  XXXX XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX Account XXXX The information you disputed h
Product: Student loan

XX/XX/XXXX I called Navient for the second time to attempt to resolve a delinquency and attempt to negotiate lower payments on my account for an extended term seeing as I could not afford to pay the full amount due. I had previously called the week of XX/XX/XXXX to change my regular payment date from XX/XX/XXXX to XX/XX/XXXX. I received an email confirmation that the date had been scheduled and changed. For some reason the payment was never dispensed from my checking account. On XX/XX/XXXX I received an email saying that my loans were past due, upon checking my bank account I realized that the payment amount had never been subtracted directly leading to the delinquency. 
As for negotiating lower payments I had previously been enrolled in the rate reduction program since XXXX and had been able to successfully make payments to continue my enrollment in the program. Upon calling Navient I was informed that I have met the 36 month maximum and can no longer be enrolled in the rate reduction program. Then I asked for other options including graduated repayment plans which I was denied on the basis of my repayment having already been extended and mandatory forbearance that would of allowed me to make an affordable monthly payment based off of 20 % of my monthly gross income which I was also denied and informed that Navient has no such type of forbearance despite its presence on the Navient website. The only option Navient gave me was interest only payments for 6 months that capped at one year. After explaining that the interest amount due would still be unaffordable I was given no other other options to avoid delinquency and subsequent default that will happen starting in XXXX. 
An income based repayment plan and/or a no restriction rate reduction plan would allow me to make affordable monthly payments on my student loans to avoid default/delinquency but currently do not exist within Navient nor any other private student loan provider. This has created an extremely infinite and undue financial burden on myself and many others in similar financial situations despite my willingness to pay an amount that I can afford and previously have been.
Product: Credit reporting or other personal consumer reports

TransUnion failed to investigate a rental history debt thats not validated or correct. I attached a balance sheet directly from the XXXX XXXX XXXX XXXX XXXX a balance of {$0.00} owed. Ive reached out to XXXX XXXX Apartments the creditor/collection agency and they inform me on XX/XX/year> they submitted a code to TransUnion to remove the account immediately. I reach out to Transunion and requested that they expedite this issue and removing the account because I am unable to find housing or receive help with housing with this reporting. I also inform them Im homeless with kids which justifies the importance of this being expedited. Transunion refused and said I have to wait 30 days. As of XX/XX/year> the account is still reporting on Transunion and Im homeless with my children.
Product: Money transfer, virtual currency, or money service

My landlord was supposed to send me my deposit refund in the amount of {$3800.00}. I provided account number with an error and someone in my bank ( Chase ) received the funds. I contacted the sender and they opened a claim with their bank ( XXXX  ). XXXX sent a letter that the funds can not be credited back and that I need to contact my bank. I contacted my bank over the phone first and was told that nothing can be done. I have filed a claim online twice and both times the claims were declined without even trying to help. My bank didn't even try to locate the person ( by account number ) and contact him/her. I understand that my bank is not required to credit me the lost money, but they can make some effort to contact the person and see if he/she is willing to refund money sent to his/hers account by mistake. It is a lot of money for me and I have been a loyal customer for more than 20 years and still my bank don't even try to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

on reviewing my reports, there are still incorrect information found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XX/XX/XXXX and XX/XX/XXXX was XXXX,, but no response was ever received from them today date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports that need to be corrected and removed in my file immediately : { Account # Dept OF ED XXXX XXXX XXXX }.
Product: Checking or savings account

A deposit of {$440.00} was put into the account XX/XX/year> ... I use this account to manage a personal loan ... That day, after the deposit, I attempted to xfer funds. This is when I learned the account was restricted. I then tried to withdraw the funds to try and pay the debtor again. This was restricted as well. I've called numerous times trying to find resolution to the account. Customer Service tells me nothing other than " we can not tell you why the account is restricted other than for policies and procedures violations ''! What violations were made? " we do not have that information ''! I've been told repeatedly that the matter has been escalated and an account executive would get back to me. They can not tell me when or why anything is taking place. They tell me when my account is closed that any funds in balance will be mailed to me. It's going on 3 weeks with the same answer I received on day one! I don't want the account at this point, this is the poorest customer service I've ever received on anything. I want my money back, this is ridiculous. Don't accept my deposits and then remove access to my funds!
Product: Checking or savings account

About 2 hours ago I received 5 emails from Bank of America that an account was opened under my name. I called them and they did confirm it and they used my social security number. They provided my email as well. Bank of America has put the account on hold and is working on closing the account.
Product: Credit reporting or other personal consumer reports

Inaccurate information is being reported on the Equifax account and they are refusing to help me. I am also unable to log in online and file a dispute. I am escalating this as I am trying to get a house and they have incorrect information. I have 9 accounts and they are only reporting 5 and my score mysteriously dropped XXXX points.
Product: Credit reporting or other personal consumer reports

I have asked Transuion at least 8 times to remove these two accounts for my report and or prove that they belong to me by way of MY signature on a contract for these loans They can not prove this information ; they just go with what the creditor says w/o proof. 

These collectors have a reputation of attaching things to people that are not true. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They can not sure me as it is not my debt, they statue would have been up some time ago also if my debt
Product: Checking or savings account

I have issues anytime Im about to be charged or have a deposit. I received a payment for child support on XX/XX/2022 and its not in my account. This seems to be happening more, I was double charged by XXXX and given a temporary credit, I called immediately when I received a reversal and asked to remove the provisional credit, it wasnt removed and charged back to me. It is tbe XXXX and I have not received my {$200.00} deposit that was wired on XX/XX/2022. I dont want to incurred any fees because theyre holding my deposit.
Product: Student loan

XXXX Payoff payment in amount of XXXX sent to AidVantage, XXXX, Oregon by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. This payment was sent to wrong address, This was a XXXX Account. XXXX XXXX XXXX XXXX XXXX said Aidvantage processed the check on XXXX Contacting Aidvantage they have no info or account info. Referred me back to XXXX. XXXX XXXX from XXXX states payment sent to wrong address, payment can not be returned or refunded to me. Refund has to come from XXXX Treasury. 2-4 weeks. XXXX No refund has of today. Unable to make contact with US Treasury, live person not available. Recontacted Aidvantage, no account info. Recontacted XXXX, gave me a consumer advocate number, XXXX, waiting for return call. Aidvantage, XXXX XXXX XXXX, XXXX, Oregon, XXXX Navient, XXXX XXXX XXXX, XXXX, PA XXXX XXXX Complaint was filed against XXXX, there response was basically call AidVantage, of which they have no account info. Copy of complaint has been sent to XXXX XXXX XXXX XXXX for payment tracing ie who cashed the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

my information was stolen and used for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently being declined for a new mortgage, my lender & I reviewed my credit report to find what is stopping me from approval. In XXXX I had a second mortgage with Ditech, the date of last payment was XX/XX/XXXX the account was charged-off and closed XX/XX/XXXX. As of recently Shellpoint Mortgage Servicing took over the charged-off account & reported the date of closing XX/XX/XXXX ( which is wrong ), those actions have cost me time & money by loosing out of my new home purchase. There are many issues with the reporting of this account : XXXX Wrong payment amount reporting, missing payment history XXXX Missing highest balance, missing payment history XXXXno terms XXXX date of last activity missing, missing highest payment I have tried to fix this directly with the credit bureaus with no resolution. 
If this matter does not get rectified, I will have no other choice to seek legal council.
Product: Mortgage

The sell price for my house went from $ XXXX to $ XXXX just before close. We ended up paying taxes on the $ XXXX amount hence the overpayment. 
The bank was aware of this yet i had to call and request the overpayment. The CSR started that they wait 30 days before they disburse ... which i stated was already beyond 30 days. She took my address information and it was my understanding that a check in the correct amount would be sent to the address i just gave to her. I check on mail periodically that still goes to the house i just sold and a check was there even though I gave the CSR my new mailing address. 
The check was for {$3800.00}. There was no backup or breakdown as to how they even came to this amount. I sent them a copy of the Settlement Statement showing the amount should have been {$4500.00}. I emailed the payoff department on XX/XX/2022 informing them of the difference in payoff amount of {$710.00}. I tried to call to check on the status of my concern with no luck. The phone app didn't seem to work. I enter the information the app requested and although it's correct the app didn't recognize it and drops your call... very frustrating. 
I will attach a copy off the check they sent, the Settlement Statement they should have used to disburse and copy of the email sent.
Product: Debt collection

The following phone numbers have been calling a few times a day during the night XXXX. 
XXXX, also this number XXXX, XXXX. 
I have asked for the name of the company or name of the person calling but They Do Not tell Me or respond. 
I am living in a TIMEZONE 12 HOURS AHEAD OF E.S.T. WE are living in XXXX. So If a person or company wants to call they MUST call during evening hours as it is day time here. 
The debts they are calling about started with XXXX XXXX for a Bad Job that was done on MY wife. I took out personal credit with 2 companies that XXXX XXXX recomended so They could fix My Wifes XXXX.This started in 2018. WE started paying then stopped but still are paying some but WE are past due on All of these accounts. 
Thank You for all You do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX of XXXX I noticed Comenity bank was not reporting my account accurately ( not reporting payments ), I was able to use the card to make a purchase in XXXX, and then not again for 3 months. I contacted the creditor SEVERAL times by phone, first being told because I had a different address I was locked out of my account for a week, then told there were system errors throughout showing some accounts as closed and mine was one affected, I was even question as to whether or not I had closed the account because at that point in the rep 's system my account was showing closed. There were phonecalls made at least 7 times between XXXX XXXX as I was unable to use the account at all during this time to make any purchases, although I was able to verify the account had not been closed, rather this update " technical glitch '' somehow made my account unusable. 

Comenity KNEW it had a system error that was resulting in many accounts being reported incorrectly and not only didn't attempt to fix the issues with consumers ( I was given the run around, call back in 2 weeks, we're still working on it, our system update glitch remains unsolved 4 months later ) and unable to take advantage of any financing offers that required I specifically use this card ( the entire reason I got it ) but HAS NOT correctly updated accounts that have since been reported inaccurately even though they WERE AND ARE AWARE their system is the problem. Finally in late XXXX, early XXXX the issue had been fixed with MY account and I was able to use it again. 

When I asked in XXXX of XXXX for a letter of statements of the fact to send to all 3 credit bureaus ( as by now the account was reporting as closed as of XX/XX/XXXX ) I was told I had to write in to request that, and to just give it 30 days and it will clear itself out, well nearly 60 days later SOMEONE IN THERE KEEPS VERIFYING THE WRONG INFORMATION! 

I then proceeded to dispute the information on my credit report with each bureau ( several times ), and EACH INVESTIGATION returns as verified leaving me to believe either no investigation is happening or Comenity if STILL furnishing incorrect data FULLY AWARE of their own system error. 

While this may have been as a result of data error from the creditor, it took me no more than a 10 minute phone-call to account services to verify that this account is in fact still open, so between investigators doing the same WITH A CURRENT BILL AS PROOF, there is no reason for these findings. 

As it is an account with perfect payment history and almost 7 years worth of history, showing it as closed by the creditor has caused undue harm to my credit score and credit worthiness. I have given Comenity MULTIPLE opportunities and an exhaustive amount of time to fix the issue. 

Through these actions my rights have been violated under FCRA policies and I fully intend to pursue remedies up to and including punitive damages against Comenity
Product: Credit reporting or other personal consumer reports

I have reached out to the credit bureaus and I have explained to them nemerous of times that I am a victim of identity thief. I supposed to have a fraud protection on my account but still someone is still tryng to use my information and has gotten credit cards and revolving credit in my name. XXXX, Equifax, and XXXX is reporting a account name XXXX XXXX that I never opened for the date of XXXX XXXX. I never opened XXXX account XXXX XXXX. I never opened a XXXX XXXX account XXXX XXXX. I never opened a XXXX XXXX account XXXX XXXX. I never opened a XXXX XXXX XXXX XXXX. I never opened a XXXX XXXX account XXXX XXXX. I aslo did not authorized these inquires : XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX. My personal info for XXXX, Equifax and XXXX are reported wrong such as address and employment info.
Product: Checking or savings account

Deposited 5 checks from workers compensation insurance company XXXX XXXX on XX/XX/year>XXXX  totalling {$6900.00}. Navy federal claimed suspicious activity and restricted my account. I have submitted the check stubs to Navy Federal
Product: Credit card

'Reporting a account they can not verify. I found a Charge off on my Credit report from HSBC for an XXXX Bank card. I disputed it with the CRA it came back verified. I than sent a letter to HSBC about this heard nothing back. I then called them and I spoke to a Customer Service Representative in the Executive Office. She informed me that your HSBC does not have any information on this account that it was all sent to a collection agency. How did they investigate this account with out any documentation? I contacted the collection agency their rep told me about and they could not validate the debt. This is a violation of the FCRA and the trade line needs to be removed ASAP. '
Product: Credit card

I am filing a complaint regarding the XXXX XXXX Credit Card that is issued by Chase Bank. The XXXX Credit Card offers a 1 % cash rebate that is earned on all purchases ( except for purchases from non-XXXX gasoline sellers XXXX. The rebate is credited to the account by reducing the cost of subsequent XXXX gasoline purchases using the credit card. However, XXXX gasoline stations do n't exist any more. XXXX gasoline was sold to XXXX several months ago and the XXXX Credit Card rebates expire after XXXX year from the time that they are earned. Therefore, there is n't any way for me to collect my XXXX Credit Card rebates as the accrued rebates expire over time. I have bought this issue to the attention of Chase Bank on XXXX XXXX, 2015. XXXX credit card account supervisor at Chase Bank claimed that the rebates that appear on the XXXX statement only will be carried over to another credit card ( the Chase Freedom Credit Card ) but that the rebates that expired from XXXX 2015 will not be carried forward. ( Earlier that same day, another Chase Bank account supervisor told me that no rebates will be carried forward. ) I suspect that there many XXXX of other customers that have the same problem.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer credit file and found a fraudulent hard inquiry from XXXX XXXX on XX/XX/year> on my consumer credit report. I did not apply for a capital credit card, nor did I give anyone authorization. I contacted Equifax XXXX XXXX XXXX and XXXX XXXX to resolve the issue with no success in resolving this fraudulent issue. I am requesting that the Consumer Financial Protection Bureau investigate this matter and have this hard inquiry removed from my credit file. I have placed a fraud alert on my credit file for protection. In addition, I have filed a fraud report with the Federal Trade Commission. This report is attached. Thank you for your assistance in this matter.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes particularly in the light of the recent CFPB lawsuit focusing on issues with their app. Even tho Ive used Zelle numerous times and reported problems Zelle did not investigate my claims adequately. They told me recovering lost funds were impossible leaving me with a hole in my pocket and no way of getting it back.
Product: Debt collection

XXXX / XXXX, claim I allegedly owe {$40.00} for a doctors visit I do not recall. I have repeatedly asked them to either send me a copy of the invoice or stop calling me daily, do date, they have done neither.
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 : Account number # 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 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 card or prepaid card

Sent documents to CB INDIGO/GFrequesting copy of contact with my authentic signature that started this alleged debt. Several months has past and never received contract with my authentic signature from CB INDIGO/GF.