23daVinci/CFPB_Complaints huggingface dataset:
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 confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX : Balance : {$9900.00} Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$550.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$2000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$410.00} Account Name XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX : Balance : {$9.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 XXXXXX/XX/year> 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: Debt collection

XXXX University in XXXX, AL is charging me tution for the Fall semester 2018. I was unaware that my veteran benefits had ran out and once I received notification from the VA, I dropped the classes in XX/XX/2018 and VA confirmed the drop notice. I verified that with the VA to make sure, they were late sending out notifications on benefits that year. 

I have tried to explain this to XXXX. If anything I owe it should be the late drop fee but they are charging me full tution and bunch of finance charges. The debt went from {$4000.00} something to over {$8000.00} sent from a law office. I really believe I am being taking advantage of as a veteran. 

Please help and advise in this matter. Thank you, XXXX XXXX XXXX
Product: Checking or savings account

I attempted to open an account with BMO and XXXX but was denied by both institutions. I am not listed in XXXXXXXX XXXX XXXX XXXX  I have been denied access to a standard checking and savings account. This situation is becoming unacceptable, and I would appreciate your help resolving it. Thank You for your attention toward this urgent matter. I. need to open a regular checking account to receive relief from the XXXXXXXX XXXX as to FEMA don't accept XXXX bank accounts
Product: Debt collection

I am responsible for the account, this is a stollen identity, but all attempt to resolve it proved abortive. 
The account was opened fraudulently on Amazon online account and not JB Morgan chase as claimed. My identity was stollen and used for this account. 
Chase must remove it from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is ( XXXX XXXX ) I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my consumer report. 

XXXX, XXXX, XXXX, XXXX and Lexis Nexis broke the law in accordance with 15 U.S.C 1681a ( e ). Bankruptcy information is excluded from consumer reports pursuant to 15 U.S.C 1681c. I have the right to privacy of non-public personal information in accordance with 15 U.S.C 6801 and the right to know where and how to direct the disclosure of my non- public information and I'm exercising that right demanding the each CRA mentioned above permanently remove the bankruptcy from my nonpublic information on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It may concern, On XX/XX/XXXX  I went to look at my credit report. I have all these Inquires and none of these I recognize and I did apply for any of these cards or have access to any of these accounts. This is fraud / inaccurate. I have contacted all 3 major collections agencies and with little help from them which is why I was referred to come here since this is all not authorized by me in anyway and I'm just trying to make my credit score accurate for me and my family. I will attach documents from transunion, XXXX and XXXX  so you can see what I am referring too. I also tried to contacting some of these companies directly who gave me the run around.
Product: Checking or savings account

My friend brought me the accumulated mail from previous months that were sent to my old address. While going thru the letters, I found that I had a bank account with Bank of America. I was shocked to learn this since I have never opened an account with them. The first letter described the state of account from XX/XX/XXXX to XX/XX/2022. The second letter described the state of the account from XX/XX/XXXX to XX/XX/2022 ; it showed a service fee of {$4.00}. The account showed no deposits or debits at all. I have contacted Bank of America to close the account and to declare it a fraudulent account. They provided me with a reference number to reflect the fact that my personal information has been used by unknown person/persons to commit fraud. Ref # XXXX.
Product: Mortgage

I was making payments to the mortgage company but due to an unforeseen decrease in income ( DUE TO COVID ) and ( REDUCED HOURS ) payments were not able to be made going forward. Tried to contact the company to set up a payment plan and Requests Mortgage Assistance ( 3 times ). Requests were denied. The did not allow me an opportunity to submit a loan modification/meditation modification to save my home.I I have resided in this home with my family since XXXX and would like to remedy and remain in my home with my family. The bank is forcing me to sell my home and is not giving me the opportunity to try and retain ownership of my home. My sale date is XX/XX/XXXX which is ample time for me to be able to submit a loan mediation package. 

I was also never given an opportunity to submit a loss mitigation packet. 

I kindly consider if you would please assist me and aid me in retaining ownership of my home.
Product: Credit card or prepaid card

An annual capital one member fee was placed on my account on XX/XX/XXXX. I called and spoke to a representative in the week of XX/XX/XXXX and was informed that I could cancel anytime within the next 45 days and so didn't need to cancel right away. I then called again to cancel the card and refund the member fee on XX/XX/20 but was notified that it was over 60 days from XX/XX/XXXX and so the fee would not be refunded back to me. This was very misleading information and I would like to have the fee of {$95.00} refunded back to me and my account closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

1. XXXX and XXXX aren't reporting my monthly payment on my student loan.

2. XXXX  has on my credit report " Potentially Negative Account '' flagged on a lot of my credit accounts even if I was late 1 time. 

3. XXXX  has an address listed that I never lived at 4. I can't submit a dispute report to XXXX  at all. Very Difficult 5. XXXX  has that I have 10 charge off 's on 1 XXXX XXXX XXXX, I thought you could only chare off an account 1 time. 

6. XXXX has another XXXX XXXX  XXXX  of mine saying I charged it off 13 times which is inaccurate. Should only be 1 time. 
7. XXXX  has an account of mine, XXXX XXXX is reporting that I have 2 charge off 's and that's inaccurate. 
8. XXXX XXXX is reporting that I was late 6 times and that is inaccurate 9. Information is not being updated on my XXXX  Credit file from XXXX  and XXXX.
Product: Debt collection

I dont know the debt as I didnt sign up with XXXX XXXX  or monteray financial! They are threatening to negatively impact my credit report. In which Ive been trying to raise my score. I would not sign up for a XXXX  anything as on a fixed income with SSD and any travel I do is rare or a special occasion as XXXX since birth. 
My father has same name and knew all my information as I knew his but he past away and had XXXX at the end. Find hard to believe he would have done this but I know I did not! 
Also, any student debt is to be erased because of my XXXX and advised by XXXX  to wait until youngest XXXX  in XXXX. 
Thank you XXXX XXXX
Product: Payday loan, title loan, or personal loan

In XX/XX/2018 I opened a loan for {$720.00} online. It wasn't until I started receiving emails with the next payment due date that I noticed the principal never went down. I waited to look into it because I assumed it was an interest before principal issues and thought it would begin to show a change after a few payments. I tried to call and speak to someone and they can never seem to hear me or just hang up. I have since sent an email and the response is automated and states they will get in touch with me in the order that it was received. I haven't missed a payment but after looking at loan agreement I see that I am paying 698 % interest. Is this legal? I have already paid the original XXXX $ back almost 3 times now. By the end of the loan, I will have paid well over 3000 . Is there anything I can do since I signed the electronic document?
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to Equifax Breach back in XXXX I've become a victim of identity fraud - some of my personal information but not limited to get into public access. Since then I've been fiercer-fully struggling to keep my information protected and put a id fraud notice on my credit report with all XXXX major bureaus - XXXX, equifax and XXXX. In XX/XX/XXXX I've discovered that some of the addresses I've never resided at been reported. After a phone call I've discovered that there are 2 credit accounts were opened on a person XXXX XXXX XXXX, using my credentials - such as SSN and DOB. I've reported such activities to FTC Identity Fraud Department and called XXXX XXXX Bank. They assured me that they will start investigation. At the same time, I've reported such activities to XXXX and XXXX. Both companies - XXXXXXXX and XXXX - already took measure and removed these fraudulent accounts from my report.
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX XXXX, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Student loan

I am already being garnished in my wages at 15 %. I am repeatedly hounded by phone to make rehabilitation, which I have agreed to twice. Both times, they say they ca n't collect from my bank even though the funds were available in my account. This collection agency is consistently harassing me, although I 'm already being garnished. I have tried repeatedly to follow their measures, to make rehabilitation. On  XXXX / XXXX /2017, I agreed to make payments for loan rehabilitation in the amount of {$38.00} each month, drafted from my bank account. One payment was drafted and then never again. I called to ask why and when the payment would occur, and the collection agency was elusive and belligerent. This has happened twice. I have signed up for rehabilitation and they draft my payment for the first month, but then never again, blame it on me. and keep collecting.
Product: Credit reporting or other personal consumer reports

I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THIS IDENTITY THEFT ACCOUNT ASAP!!! 


XXXX XXXX XXXX XX/XX/XXXX - {$1200.00} SELF / LEAD XXXX - CLOSED LATE PAYMENT XXXX XXXX XXXX  XXXX - Collection/Chargeoff XXXX XXXX  XXXX - Collection/Chargeoff XXXX  XXXX Collection/Chargeoff UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion I will never stop filing complaints against you because I know my rights!

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

With an obvious regulatory Inclination, It is the presumption of this board that all facets of lawful writ regulations and the understood or should be understood standards of practice are to be acted upon in full undoubted accordance as dictated. This criterion in specification should be thought to incorporate the decrees within the XXXX XXXX format compliance of reporting process as well. Further, this board takes note that Section 607 ( b ) of the FCRA requires CRAs to " follow reasonable procedures to assure maximum possible accuracy of information '' in their consumer reports. It is our view that a CRA that refuses to accept updated and corrected information from a furnisher on student loan accounts, if it still maintains that information in its database, does not have in place " reasonable procedures '' to comply with this section with respect to such accounts. An inadequacy of any regulation and or requisite standard gives credence to a injured consumer 's right to compel. The opinions set forth in this informal staff letter are not binding on the Commission. Please delete ALL Dept of Ed/Navient accounts that appear on my credit report immediately.
Product: Credit card or prepaid card

My husband and I have been Capital One credit card holders for over 12 years. 

On XX/XX/XXXX, using our frequent flyer miles, ( a total of XXXX XXXX ) my husband booked a flight to attend an event in XXXX XXXX. 

Below is his itinerary : XXXX XXXX XXXX ( XXXX XXXX ) > XXXX ( XX/XX/XXXX - XX/XX/XXXX ) Refundable ( fees may apply ) Outbound Flight ; XXXX XXXX XXXX ( XXXX XXXX ) - ( XX/XX/XXXX ) XXXX Miles Booked Airline Reference Number ( XXXX XXXX ) : Return Flight ; XXXX ( XXXX XXXX ) > XXXX ( XX/XX/XXXX ) XXXX Miles Booked Airline Reference Number ( XXXX XXXX ) : On XX/XX/XXXX, he got word that the event was cancelled to the COVID Delta Variant being widespread throughout Louisiana. 

On XX/XX/XXXX, I logged on to our Capital One account to cancel his flight and have the XXXX miles put back in our rewards account but I couldn't do this, so I called Capital One and spoke to a representative who told me that the flights are non-refundable. 

The only option we had, was that the miles could be put on " credit '', but only my husband could use them ( as they are non-transferrable ) but he would have to have his travel completed by XX/XX/XXXX. Due to medical reasons, my husband will not be able to use this credit by XX/XX/XXXX. 

I have spent over 9 hours between phone calls ( waiting on hold for hours before I even spoke to anyone ) and emailing. 

I called Captial One on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Emailed XX/XX/XXXX I also called XXXX XXXX on : XX/XX/XXXX Emailed XX/XX/XXXX This has been a very stressful and time consuming process and I find it to be totally unacceptable. We are in very good standing with Capital One and we can not believe that we can not put the miles back in our account. 

I appreciate anything you can do for us.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XXXX OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT INQUIRIES FRAUD INQUIRIES LISTED BELOW XXXX XXXX XXXX  Banks XX/XX/2022 TransUnion XXXX XXXX XXXX XXXX  XX/XX/2022 TransUnion XXXX XXXXXXXX XXXX XXXX  XX/XX/2022 Transunion RESPONSE DISPUTE XXXX XXXX Code XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Mortgage

I received a mail from my XXXX XXXX ( home insurance ) in the second week of XX/XX/2024 which said they sent a bill to my XXXX XXXX ( my previous mortgage company ) and they have not received the payment. The last day to receive the payment is XX/XX/2024. 
My mortage company changed from XXXX XXXX to Mr Cooper in XX/XX/2024. I immediately emailed my XXXX agent XXXX about the change ( I have attached the email proof ). 

On the first week of XX/XX/2024, I received a mail from Mr Cooper saying my home previous home insurance worth {$1500.00} expired and they bought another insurance worth {$2100.00}. 

After that, I contacted XXXX why my home insurance was cancelled. They said they did not receive payment from my mortgage company. Then, I contacted XXXX XXXX why they failed to make the payment, they said they never received the invoice. 
They now say the expired insurance can not be reinstated, I must buy the new insurance, and I have to pay.
Product: Mortgage

I signed a contract with XXXX XXXX on XX/XX/2022 who is not listed on the XXXX. Before my first payment was due XXXX months later, I was informed that they had transferred/sold my mortgage to LoanCare which is a debt collection company without a judgement for non-payment. After XXXX months I was experiencing a financial hardship and asked LoanCare if we could renegotiate the contract because I was also upset that only {$200.00} a month was going toward the principal. They refused which forced me into bankruptcy. They are now threatening me with foreclosure. I am now sending a cease and desist letter once again demanding that they validate the debt and acknowledging the fact that XXXX XXXX had no right to allow LoanCare to take over the mortgage according to your website.
Product: Credit reporting

Midland Funding , LLC a collection company is listed on both XXXX and XXXX credit bureaus as a collection account for XXXX dating back to 1999. The original creditor was XXXX with whom I had the telephone account. XXXX was not able to provide documentation as to why I owed on this account. I had XXXX phone service for many years and always paid for my phone service. I could pay this and make it go away but I do n't think it is fair that they are pursuing collection activity for something I do not owe.
Product: Debt collection

A debt collection consolidation company I contracted with back in XXXX last year must have asked for proof of debt from American Express 's debt collection agency, XXXX XXXX XXXX, on or around XXXX/XXXX/XXXX. The company I contracted with, XXXX, XXXX, never told me they were requesting this information so I was surprised when the XXXX & XXXX lb. package arrived at my door opened, contents spilling out. I believe XXXX XXXX XXXX deliberately sent the information to my home instead of XXXX to deliberately cause me financial harm and compromise my personal information. I have know way of knowing how many eyes had access to my credit history going back to XXXX. I will upload pictures of the packaging as received at my home.