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

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies need to reportall information with complete accuracy. This account has not been late on this particularpayment. I've attacheda copy of my report for hiscomplaint on the following dates XXXX XXXX XXXX XXXX XXXX. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditors has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states that the consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX XXXX : XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 30days late ) XXXX XXXX  : XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 60 days late ) XX/XX/XXXX ( 90days late ) XX/XX/XXXX ( 120 days late ) XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 30 days late ) Capital One Auto Finance : XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 30days late ) XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 30 days late )
Product: Student loan

This is a follow up complaint to the one filed in XXXX and closed in XXXX of this year. Company response did not address the issue, acknowledge their error, nor make any attempt to resolve.. Current issue- have received notification from Federal Student Aid that I have reached 120 payments under the PUBLIC SERVICE LOAN FORGIVENESS program and no further payments are due. MOHELA will not place my account into forbearance upon my request. I have made 12 payments more than I was required to under law, due to MOHELA incompetence and failure to resolve issues in a timely manner. The only responses I continue to receive from MOHELA are payment due communications and responses that clearly indicate that no one has looked into my issue.
Product: Debt collection

Ad Astra Recovery has been illegally hording my personal information without this consumer written consent. Purant to the 1974 privacy act Ad Astra Recovery has violated all privacy rights and has allowed my personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practice Act Ad Astra Recovery has collectively shared this consumers personal information to make trillions of dollars by selling it to various debt collector, employers, financial institution, and a host of others. Also, Ad Astra Recovery failed to validate a debt with this consumer and they are not abiding by the law. They have failed to provide validate made to pursant to 15 USC 1692g Sec 809 ( b ) of FDCPA. It has been more than 30 days and now I am asking that this alleged debt to be remove from all three credit bureaus. I am tired of dealing with this unprofessional people and not abiding by the law so my next steps will be to file a complaint with the Attorney General office and to file a class action against Ad Astra Recovery for violation of Fair Debt Collection Act and defamation character.
Product: Credit reporting or other personal consumer reports

Recently I look at my credit report and noticed several on my account. this account is hurting my ability to obtain credit Its my understanding that Transunion and XXXX will investigate this account for me to ensure accuracy here is the account. I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of XXXX  :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Student loan

My student federal loan was forgiven, and has not been taken off my report which is very deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple hard inquiries not recognized on my account- Contacted XXXX XX/XX/XXXX and XX/XX/XXXX and they advised they will not remove. I have been reviewing my credit report due to other errors and noticed these so i wanted to clear them up as soon as possible. I had advised them after research I became aware that they had a " inquiry breach '' within the past two years and they would not acknowledge it. These were recognized or authorized. 

Inquiries I requested to be removed : XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX FACTUAL DATA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fear credit reporting act XXXX  account with XXXX XXXX, has Violated my rights. 

15 USC 1681 section 602 states i have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit account under a open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a without my written instructions.

15 USC 1666B : A creditor May not treat a payment on a credit card account under on open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was transferred from Shellpoint Mortgage to XXXX XXXX. I received notice of the change in XX/XX/XXXX. I have made all of my payments on time to both companies. 

My credit score decreased anywhere from 17 to 20 points because Shellpoint Mortgage shows my account as being closed and not transferred. XXXX XXXX does not show up on my credit report at all. 

The information is inaccurate and needs to be updated. 

Date of Loan XX/XX/XXXX Date Loan was sold to new lender : XX/XX/XXXX Prior Loan Number ( shellpoint mortgage ) XXXX XXXX XXXX Loan Number XXXX My contact information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX
Product: Credit reporting

I attempted to file a request for correction on my report and even faxed information to the bureau and yet they are NOT correcting my report or improving my score ( as my banker and I believe it should be )
Product: Credit reporting

I just requested a credit report ... 
Background about me ... I have been in family courts for 9 years ... 
in and out of XXXX. Court - nowhere to turn for help ... 
My solution ... move to a new address, some place I felt safer ... 
The problem : Every time I moved, I broke a lease ( 2x ) ... this is now reflecting on my credit report. 
Additional info : My daughter was XXXX XX/XX/2014 ... I have had no contact with her since then ... 
I have been working hard to better myself since the abuse started ... obtained my XXXX in XX/XX/2014 ... graduated from the XXXX and left being XXXX XXXX ... 
Now I am trying to buy a home ... 
However, the XXXX places I moved from in the past, show up on my credit report ... 
What are my options ... 
Do I have any? 
Thanks. 
XXXX XXXX ( I have attached a copy of the document 'CreditIssues ' with the XXXX creditors listed at the bottom ( the XXXX is a mistake and I am getting it removed )
Product: Credit reporting or other personal consumer reports

DEMAND FOR DELETION OF INNACCURATE REPORTING OF ACCOUNT on Consumers Credit REPORT # XXXX Respondent, Kick Off Lending LLC continues to negatively report on Affiants consumer report Respondent, KickOff Lending LLC has failed to comply with verification and provide Affiant with original security contract with wet ink signature and evidence of a valid agreement/ legally enforceable in court Failure to provide original promissory note as evidence validating this alleged debt/claim I lawfully demand for this claim to be deleted and to be sent an updated copy of my consumer report or provide supporting documentation verifying and validating this claim with a wet ink signed contract bearing affiants signature This is my conditional further derogatory reporting of this alleging creditor will result in arbitration and or litigation where compensating damages may be sought and this fraud will be exposed publicly
Product: Checking or savings account

Hello my name is XXXX XXXX and I have Wells Fargo. Since my experience using XXXX Ive ran into some issues in the past of miss error. Also money going missing without my consent of XXXX.
Product: Checking or savings account

On XX/XX/XXXX I spoke to Chase Bank and informed them of garnishment dismissal.Rep stated it would take two business days to review documents and my funds would be released on XX/XX/XXXX. He also spoke to XXXX at XXXX XXXX regarding same. I called when funds were not released because hold was visible on my app. They stated they released the funds to court. Court says no they didnt. I went to branch and Assistant manager was instructed to fax said documents and funds will be returned in 2 business days. I called bank to verify receipt of fax only for rep to tell me another story.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ], I have the right to request an investigation into the completeness and accuracy of the information reported. The details of the disputed account are as follows : XXXX XXXX {$1700.00} XXXX XXXX XXXX- $ XXXX XXXX XXXX XXXX XXXX- $ XXXX Report XXXX XXXX XXXX XXXX- $ XXXX Report XXXX
Product: Checking or savings account

This IS NOT DUPLICATE. XXXX BANK NEVER SENDS CHEVCK FOR {$470.00}. EVERY TIMR I CALL PLAYED WITH-SAME PERSON CHANGES NAMES FROM XXXX TO XXXX, ETC.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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: Checking or savings account

XXXX report shows no derogatory remarks yet I have to open a bank at a second chance bank. XXXX  XXXX XXXX closed my account and wouldn't tell me why and neither will XXXX. I was a XXXX XXXX XXXX customer for 2 years.There seems to be some confusion regarding my address. I was living at my mom 's house in XXXX then I got my apartment in XXXX which according to the XXXX XXXX XXXX  is XXXX XXXX XXXX XXXX My fiance has the gas bill with this address listed. However when applying for or paying for goods and services, bills etc, a few companies use data entry systems, ( such as the bank I currently bank with XXXX ) that absolutely do not allow the employee entering your information to type the / symbol as part of your address. 

My consumer ID is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with The Fair Credit Reporting Act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

XXXX Accounts # 12345, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It
Also states a consumer reporting agency can not furnish an account without my written instructions XXXX XXXXXXXX XXXX XXXX : XXXX. XXXX, XXXX Services, Not Elsewhere ( XXXX ) XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, IA XXXX ( XXXX ) XXXX XXXX - CARD SERVICE Inquiry : XXXX XXXX, XXXX XXXX Credit Card Cos. 

Institution Information XXXX XXXX : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies See an error Institution Information XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Institution Information XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

I attempted to logon to my account online the morning of XX/XX/2018 to pay my bill. I was unable to login due to new security measures enacted on the website. I attempted to reset my password, but was only given the option of providing a credit card number in order to reset it, which seems like a security risk as it did not appear the field was encrypted. I then contacted customer service to have them reset my password only to find out that they wanted me to provide them with my card number as well. I do not have the card, as I shredded the card a year ago as I no longer use it and to prevent unwanted purchases. However, I do still have a balance and wanted to pay my bill. The representative informed me that they will order me a new card and transferred me to the fraud department. The fraud department wanted me to provide them a reason why I wanted a new card ( due to lost/stolen cards ). I informed him that the card was neither lost nor stolen and I just wanted to reset my password. He then transferred me back to customer service and told me that it would be no problem to reset the password. The customer service rep again told me to provide him with the card number, which I said again why I did not have the card. I then said to just send me a new card so I can get the card and reset the password. The representative asked me my security questions, which I answered and then asked me for my bank account number. I was shocked to find out that they wanted my full bank account number that is at a different institution. At no time should one financial institution be asking me what another financial institution 's account number is for the purposes of verification, to me, that is a serious security risk. Once the card was issued, he told me to call back once the card is received as he could not reset the password even after the new card was issued. Sending a physical card to my house in order to reset a password on the website seems to be more of a security risk than it is to fully verify my identity over the phone. It should not be this difficult to be able to access my account to make payments and obtain statements.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Debt collection

We received XXXX collection calls from CBHV, but we have no overdue debt. I told CBHV that I was not XXXX XXXX, the person they say they wanted ; I was assigned this # only a XXXX ago.They said they had already taken us off their calling list, but called again ( XXXX time ) an hour later.
Product: Credit reporting or other personal consumer reports

am writing to file a formal complaint against XXXX XXXX for their alleged violation of 15 USC 6802, 16 CFR 313.7, FDCPA 807,808,809, and MGL Chapter 93A section 2. I believe that their actions have infringed upon my rights as a consumer and have caused significant financial and emotional distress. 

I entered into a credit card agreement with XXXX XXXX on XX/XX/22. However, since the inception of this agreement, I have encountered numerous issues that have left me deeply dissatisfied and concerned about their compliance with federal and state regulations. 

Firstly, XXXX XXXX has failed to provide me with clear and concise information regarding the collection, use, and disclosure of my personal information, as required by 15 USC 6802. Despite my repeated requests for a detailed explanation of how my personal information is being handled, they have been evasive and non-responsive. This lack of transparency raises serious concerns about the security and privacy of my personal data. 

Furthermore, I have reason to believe that XXXX XXXX has engaged in unfair and deceptive practices, in violation of 16 CFR 313.7. They have consistently misrepresented the terms and conditions of the credit card agreement, leading to confusion and financial harm on my part. Additionally, their customer service representatives have been unhelpful and dismissive when I have sought clarification or resolution for these issues. 

Moreover, XXXX XXXX has engaged in aggressive debt collection practices, which have caused me significant emotional distressThese actions are not only in violation of federal regulations, such as FDCPA 807,808,809, but also demonstrate a complete disregard for consumer rights and fair debt collection practices. 

Additionally, I believe that XXXX XXXX 's actions may also be in violation of MGL Chapter 93A section 2, which prohibits unfair or deceptive acts or practices in the conduct of any trade or commerce. Their failure to provide accurate and transparent information, as well as their aggressive debt collection practices, may constitute a violation of this state law. 

In light of the aforementioned violations, I kindly request that the Consumer Financial Protection Bureau thoroughly investigate my complaint against XXXX XXXX. I believe that their actions have not only harmed me personally but may also be indicative of a broader pattern of non-compliance with federal and state regulations. 

I would appreciate your assistance in resolving this matter and ensuring that XXXXXXXX XXXX is held accountable for their actions. Please find attached copies of relevant documents, including the correspondence with XXXX XXXX and any other supporting evidence. 

Thank you for your attention to this matter. I look forward to a prompt and satisfactory resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Checking or savings account

I have an account with Navy Federal that I have been trying to access for about XXXX  years. My sister reposted her check into my Navy Federal account. It was a legit check with legit money on it. The checked cleared and I purchased some hair from a vendor and then navy federal closed my account. I have not been able to get help with this since then. I still have the Navy Federal card. I still receive emails directing me to log in but I am blocked out. I have been to several branches that say that they can not help me but they see where the check was deposited and cleared. I have only been reaching the run around about this matter. I have proof that she needed to use my account to deposit the check because she did not have an account.