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

This complaint is in response to CFPB # XXXX and CFPB complaint XXXX. XXXX stated that CFPB complaint # XXXX does not belong to them however respond back to CFPB complaint # XXXX. XXXX stated that XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. This complaint was filed on XXXX due to the fact that they failed to abide by the responsibilities of furnishers. XXXX pursuant 15 USC 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Please see attachment of XXXX admitted the verification of the XXXX showing the Public record showing verified that bankruptcy case number XXXX is accurately reporting on my XXXX report. Then see the attachment of a recent XXXX report showing that the Public Record has ben removed. I also have attached the reporting of the furnish Bankruptcy still reporting on XXXX and Transunion. XXXX, TransUnion and XXXX is in violation of 18 USC 1028A which is aggravated identity theft and I have reason to believe it has been done with forethought and malice. The following corporation and individual has been implicated in violation under the Rico Act. TransUnion, XXXX and XXXX. CEO of TransUnion XXXX XXXX, CEO of XXXX XXXX XXXX and CEO of XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not mine. its identity theft from someone else. i never had XXXX car. please remove this on my credit report. 


1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a credit limit of {$20000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to get my free report from Equifax and they keep saying my information doesn't match their records. This is probably due to the fraudulent information that's being reported about me to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX XXXX XXXX XXXX TransUnion has not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX  XXXX. I believe it was reported in error. 
XXXX XXXX  XXXX Balanced Owed : {$0.00}
Product: Credit card

So i went in on XXXX  XXXX  to get my gf some jewelry first time doing this and first time ever signing up for a credit card, this was on XX/XX/year>. I was helped by an older woman who definitely had a hard time hearing. She set up my account under the wrong email and proceeded to sell me {$500.00} worth of merchandise, i was happy and not a care in the world. Well soon after that i moved and also had several issues seeing and registering my account with XXXX cause the email. I have gotten maybe XXXX or XXXX paper statements taht i can prove i have because of moving and such. But back to the main thing i have gotten charged a late payment since the creation of that account every single month cause i could not register my account and set up auto payments or when it was due or anything the company comenity banks is claiming its my fault. When it was there employees who have been tossing me arround payment days very with every company how am i supposed to know when its due when i cant even register an account on top of that i havnt made a dent in the payments cause every time i make a payment it gets countered with a late fee i can prove it with pictures and everything i have evidence they messed up and i have {$250.00} XXXX  left to pay on it and it bull ive doin paid it off by now and these {$30.00} to {$40.00} XXXX  late payments every single month is wrong i work hard i pay my bills my debts on Time this is wrong and i need help to get it fixed.
Product: Credit reporting or other personal consumer reports

This is prior to the last attacment but I did not receive this information from actual FTC but legal aid through federal lawyer. So as it was prior but not readily available to send to the companies Experian which asked to call but not able to do much again repeated last so that is past my control as well. XXXX XXXX is working and in progress again this was prior for XXXX XXXX but no it is unrealistic to keep sending same items to do anything if there is nothing to show or for me myself to compare or look up. 
XXXX I did have the data breech information in prior to the apparent cut off date. But unbiased still the most difficult to work with. So except for XXXX they do need to put forth a little more effort. But I am still behind if the other two need info if I do not have it to supply from them.
Product: Vehicle loan or lease

I have tried to an set up online payments with Alliant credit Union and was told they needed to get the ok from my husband in order to do that. I am fully on the loan, fully responsible to make timely payments and it is on my credit report. I should not have to get the ok from anyone in order to make payments on a loan I'm responsible for.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Balance : {$7300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00}
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXXXXXX - XXXX ACCOUNT : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT : XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX - XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 consumerto any consumer reporting agency if the person knows or has reasonable cause to believe that the informationis in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2
Product: Credit reporting or other personal consumer reports

For the past ten years, I have been working to resolve credit reporting issues with Wells Fargo that have caused my credit score to plummet from XXXX to XXXX, impacting my purchasing power. Additionally, their misrepresentation and predatory practices in mortgage loan documents have led to over {$200000.00} in prepayment penalties. 

In XXXX of 2024 I sent an inquiry to Wells Fargo regarding the accuracy of information on my credit report for account number XXXX which I didnt have, and has been on my credit report for ten years.

In response to my inquiry, Wells Fargo sent a credit dispute letter with ID # XXXX, indicating they were unable to locate the account and needed further information.

I made a follow-up call to Wells Fargo 's credit card debt collection department and provided my Social Security number and birthdate to assist in locating the account on my credit report. 

The Wells Fargo agent was unable to locate the account linked to my credit report. He recommended that I contact the three credit bureaus to request its removal. I subsequently sent a letter to the credit reporting agencies asking them to remove WSBNA from my report. 

The three companies responded, indicating they could not remove the account, and that only Wells Fargo has the power to do so.

Wells Fargo is too large to be held accountable. Their fraudulent and predatory practices harm individuals and damage livelihoods.

This situation has certainly had a negative impact on my life, and all I can do is learn to live with it.
Product: Credit card

Paypal is engaging in predatory lending. I have XX/XX/XXXX and since I paid 2 days late, they are charging a {$41.00} late fee. This is predatory and CFPB needs to address
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complain, and I'm including it again. XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later. I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person!
Product: Credit reporting, credit repair services, or other personal consumer reports

Was giving retroactive forbearance and still had 6-90 days 6-120 day 6-150 days even through the forbearance brought my account update these are still on there. Attached file what i send them and screen shot is what they sent back.
Product: Checking or savings account

I opened a priority checking account with Citibank on XX/XX/2021. Within a few days, I was then able to deposit {$500.00} in this account from the online portal. 

Within a few days, Citibank put a fraud block on the account. So that I was unable to access the account. 

When I called in ( XX/XX/2021 ) They advised that there are two methods to verify my identity. 

The first method was to send a message or call to a US based phone service. I let them know that I am an expat working overseas and would not be back in the US for quite some time. So this option was unavailable to me. Unfortunately, this information was not presented when I opened the account and I was unable to use the number I provided when opening the account, as it is a VOIP number. 

The second option was to receive a letter in the mail and follow the instructions to verify me identity. I asked Citibank to please send the letter ( on XX/XX/2021 ). I have family living at my US mailing address. I also have USPS informed delivery so I see everything that arrives and the letter never arrived. When I called back ( three weeks later ) and asked if they could resend the letter or verify my identity in another manner. They said " no '' and informed me that there was no way to access my account until I physical return to the United States and purchase a new phone service, even though it is their verification process that failed.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged 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 XXXXXXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit card

I opened an account with Care Credit to manage high medical bills like dental procedures, etc. My understanding was that if I paid in full each separate charge within 12 months, I would not be charged any interest. I 've been paying $ XXXX/month and thought that the entire balance was close to being paid in full. I was in shock when I saw that {$650.00} in interest had been added to my balance. Some research indicated that CFBP has ordered a {$34.00} million refund to Care Credit Card holders just for this reason, deceptive enrollment. The bank was GE then. It is now Synchrony Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$5800.00} XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXXXXXX {$64000.00}
Product: Prepaid card

I am writing to request the immediate removal of an inaccurate entry on my credit report concerning a prepaid XXXX card listed under **Account Number : XXXX. This account currently shows an incorrect balance of XXXX XXXX XXXX. As this was a prepaid card and the account is now closed, it is impossible for any outstanding balance to exist.

Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692c ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ), I have the right to accurate credit reporting, and closed prepaid accounts should not reflect outstanding balances. Therefore, I request that Navy Federal Credit Union take the following actions : 1. **Immediate Removal of the Account** : As this prepaid card account is closed and prepaid cards can not legally accrue a balance, I request that this entry be removed from all credit reporting agencies.

2. **Written Confirmation of Removal** : Please provide written confirmation within 30 days verifying that this account has been removed from my credit report and that no further reporting will occur.

These actions are necessary to ensure my credit report reflects accurate and fair information. Thank you for your prompt attention to this matter, and I look forward to a swift resolution.
Product: Student loan

I live in New York where by now everyone are aware how expensive it is, and only people that are making a lot of money can live here but I cant afford to move anywhere else and I have XXXX which is very serious and Im working really hard and still cant make ends meet. I live in the project, trying to move one day, all Im around is XXXX  and cigarettes smell, mold apartment, and lots of roaches. I wish I could get some sort of help with paying off my student loans and credit cards too but Im at a lost because I dont know where to turn and I worried so much Im getting sick. I want to work a lot of hours but it is affecting my health and Im slowing down right now and needs help, please, please, Im literally crying for help. Please!
Product: Mortgage

After a recent article came out with XXXX investigating NFCU about its denial of more than 50 % of its XXXX loan applicants and approving 75 % of its XXXX loan applicants. I beleive that all of my loan applications since 2020 have been denied based solely on my race ( XXXX ) and not based on my credit score and level of income. 

In fact most of the applications will not even let you complete it after using demographic information such as a social security number. A social security number contains all demographic information needed for a the application.
Product: Student loan

To whom it concerns I am the mother of XXXX children who needed me to co-sign to get college student loans. I am happy to say that XXXX have XXXX and XXXX is set to finish next year. They are all employed and tax payers. YAY My problem is the fact that these lenders have no desire to help my children pay back their loans. 

I have also found another little ugly secret. My daugher has loans with only XXXX XXXX. Her balance was {$34000.00}. We stopped using student loans for her in 2015. She is still in school, set to XXXX   next spring. Her balance is NOW {$51000.00}. As stated above, we have not taken any more loans for her since 2015. Her balance has increased by {$20000.00} and she has not even graduated nor taken a loan from XXXX XXXX since 2015. This is criminal ( in my opinion ) and explains what I could never figure out. With all XXXX kids my student loan debt is over {$100000.00}. Actually closer to {$200000.00}. I knew there was no way we took out that much debt. Now I get it. They tack on ridiculous interest even though these loans are in deferrment. WOW, this is not right. 

We want to pay back the loans. I ( we ) always pay our bills on time. There is no way to get out from under this massive debt and these servicers could care less. 

I NEED your help. This is not right. {$20000.00} more than what the original amount was when we stopped taking out loans in 2015??? There is no way I owe the {$200000.00} on all of my children. I can afford to pay for one ( which is what we have been doing since 2015 ) I co-signed with the intention of paying back what we borrowed. If {$34000.00} can add up to {$51000.00} and the student has NOT even graduated yet no wonder my overall student loan debt is so high. 

As the overseer of these private loan institutions, what are you doing to fix this?? My children could not qualify for Federal ( taxpayer funded ) student loans. Funny, as a taxpayer I don't qualify but someone who probably does not pay taxes gets the sweet heart deals. I am sure most did not even graduate. My kids have. There has got to be justice here. This is just not right!! 

I look forward to an explanation from you as to how this is fair. If you have no jurisdiction over these predatory lenders, then what exactly is YOUR JOB. 

Again, I am not asking for forgiveness, just a reasonable repayment plan on the actual amount of our loans. 

Sincerely XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I decided to buy out my 39-month lease of XXXX Porsche XXXX in XXXX this year with my Porsche dealer XXXX At that time, I paid one month ahead of monthly due date, so I asked if I could get the 1 month refund. My Porsche dealer said they can't do anything to help, so I chatted with Porsche Financial on XX/XX/XXXX. They agreed to send the refund ( {$1100.00} ) and I did get a check in early XXXX. However when I deposited the check into my account on XX/XX/XXXX, it showed failed on XX/XX/XXXX. Bank told me this check was canceled. I called Porsche Financial why my check got canceled, they told me that because I did not cash the check for a long time so they canceled the check because of concerns of fraud. They told me on the call that the second check is right under way and I should wait. Since I never received the second check for another 3 weeks, I called Porsche Financial again in XXXX, they told me that they did initiate the refund, but since my dealer buy out on XXXX and they paid short, so the refund goes to pay that part, so there is no refund to me and I should talk directly to my dealer to resolve this problem. When I called my dealer, dealer insisted that they paid full and they don't owe me money as well. This is ridiculous. XXXX is before my monthly payment due date ( XXXX of each month ), then how could Porsche Financial cancel what I should get for refund just because they did not get enough money from dealer? If dealer really owes money, they should resolve between Porsche financial and dealer instead of cancel my refund to make balance even. Porsche financial should make sure they were requesting and collecting right amount of money from dealer.