23daVinci/CFPB_Complaints huggingface dataset:
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. 

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 XXXX XXXX XXXX XXXX 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: Checking or savings account

I received partial denial about fraudulent transactions with Amazon ( account # XXXX ). Chase stated that the claim was partially denied because there is a 60 day liability policy which takes effect beginning with the first posted dispute transection. Chase stated that any transaction after XX/XX/2021 is not disputable. Please provide a copy of Deposit Agreement section supporting 60 days requirement as I do not recall receiving the document when I opened the minor 's account. 

I would like to mention again that this is a XXXX XXXX XXXX account. My grandson is in an out of town XXXX XXXX and he did not use his account. He also has limited access to email. The idea of a bank is to guard the money deposited with them. A child with a XXXX XXXX account can not be expected to guard the money and report irregularities! 

My grandson should not be expected to guard the account from fraud. Chase should assume their responsibility for blocking fraud.
Product: Debt collection

this company is stating that i owe them a debt that was never verified. they're reporting on my credit that i owe them " XXXX  ''. 15 USC 1692c ( a ).
Product: Debt collection

I had sent in a police report to XXXX for a auto loan that was the result of identity theft to all three credit bureaus. XXXX and XXXX removed the fraudulent auto loan from my credit report where my identity was stolen which was used to acquire a $ XXXX auto loan from navy federal in my name in which the thieves allowed the loan to go delinquent and leave me with a charge off after they used my identity. XXXX rejected my police report and opened a reinvestigation and haven't responded back to me with the results or even acknowledged the police report which provided all the information and there was no lack of sufficient evidence. I already spoke with the bank themselves and flagged all accounts as fraud and told them that none of the actions within Navy Federal was me.
Product: Mortgage

Fay Servicing has taken over my loan from   XXXX   XXXX  . The payments to them have been set up on auto-pay since day one. Almost every month I get Late Notices from the bank and harassing phone calls from them saying my payment is past due or has not been made.
I have never missed a payment on this account. Each time I call they say it has been fixed, but it happens each month. I am concerned about the harassment and the possibility that my credit may be affected by their incorrect data, and the constant late notices.
Product: Student loan

Nelnet has unfairly reported to my credit bureau that my student loans are defaulted and have missed payments when i am supposed to be protected by Biden 's student loan pause. I have received many phone calls from them stating that first I did not have a federal student loan and then when i informed then that it was a federal loan they then stated that my loans were too old to be covered under the student loan pause. I did try to work the person who called me but they told me to do my own research because i was wrong and then hung on me. 
I believe that they have now turned my account over to a collection agency and have placed damaging remarks on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information 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. 

# 1 Account name : XXXX XXXX # XXXX # 2 Account name : XXXX # XXXX # 3 Account name : XXXX XXXX XXXX # XXXX # 4 Account name : XXXX XXXX XXXX # XXXX # 5 Account name : XXXX XXXX XXXX # XXXX # 6 Account name : XXXX XXXX XXXX # XXXX # 7 Account name : XXXX XXXX XXXX # XXXX # 8 Account name : XXXX XXXX XXXX # XXXX # 9 Account name : XXXX # XXXX # 10 XXXX XXXXXXXX XXXX  XXXX # XXXX # 11 XXXX XXXX XXXX XXXX # 12 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX # 13 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

A company by the name of MRS BPO showed up on my credit report to collect on a debt that was provided to them from XXXX XXXX XXXX XXXX - this debt is not mine and I have had multiple conversations with XXXX  on this matter. 

When relaying this information to MRS BPO they stated they didn't care what I had provided to XXXX  of proof of address and/or that this was not my account and that this was my debt no matter what - they would ensure this would stay on my credit and ruin my chance to do business with other utility service providers until I paid this debt. 

I want this removed - I want this company flagged - I want this debt to be cleared from my social security number at once.
Product: Prepaid card

Unable to use American Express gift card online, Card keeps declining even though it's active and the balance is available, I tried multiple gift cards between {$600.00} and {$1000.00} on major shopping websites like XXXX and XXXX. 
Every time I try make a purchase, the card declines, there's sometimes a 10 cent pending charge when I check the balance on XXXX 
I contacted American Express customer service but they are unhelpful as they keep telling me it's a merchant problem not theirs.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I notice a inquiry on my credit Report : XXXX/Equifax/ XXXX dated for XX/XX/XXXX XXXX, I then contacted the company listed on my report via Phone and certified mailed letter sent to their address asking why is a inquiry on my credit file and Equifax Mortgage , response to both means of contact was the same reply! 

They were not able to provide the reason for the inquiry nor who Authorized this inquiry, they said I would have to contact the original lender known as XXXX XXXX to gather information. 

I immediately called XXXX XXXX  for a explanation why this company ran my credit if I never applied for a loan or signed any contract for a loan or sign a application for funds/ Insurance etc. 

They were not able to provide any significant documentation to display my signature or myself Authorizing this company to check my credit report Electronically, or with a signed document with my signature.
Product: Vehicle loan or lease

I paid off my auto loan from Fifth Third bank in 2019. I never received the title though I received a letter noting that the lien was satisfied and the bank would contact the DMV to remove it and send the title. In XXXX when I wanted to sell the vehicle, I went looking for a copy of my title, and when I called the North Carolina DMV, they reported that the title still shows a lien from Fifth Third Bank. I called Fifth Third and told them what the DMV told me - that it was an electronic title and they needed to release the lien electronically. Fifth Third then sent me a physical Release of Lien in the mail. I called NC DMV back and they were still showing the lien on the title, and told me that the bank needed to release the lien ELECTRONICALLY. I have since done this process three more times- called back the bank to explain that what they did before was not needed, that they need to do it through the XXXX system, and each time they did the exact same thing. It has now been almost two months since I requested a copy of my title- which should be entirely free and clear, let alone 4 months since I wanted to sell the vehicle and couldn't because I didn't have the title. The customer service agents at Fifth Third appear to have no idea what they are supposed to do and several have been quite short with me when I try to correct their misunderstandings.
Product: Debt collection

Complaint Explanation : I am submitting this complaint regarding the actions of XXXX XXXX, whose practices I believe violate the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I want to provide context about my financial and personal circumstances, which have contributed to the challenges in addressing this matter. 

Debt Collection Concerns : XXXX XXXX opened a collection account on XX/XX/year>, for an amount of {$11000.00}. I was never contacted about this debt prior to its opening. On XX/XX/year>, I formally requested validation of the debt, but to date, they have not provided adequate documentation to confirm its legitimacy. 
Instead, their actions have been misleading and unhelpful. They attempted to switch me to a different solo bedroom apartment, but then denied the switch, citing that my credit was not up to par. This left me in a precarious financial situation, unable to address the debt and unsure of my rights. I have email documentation confirming all communications with them. 

Personal and Financial Context : This situation was further complicated by issues with my former roommate, which created significant emotional and financial strain : On XX/XX/year>, my roommate remotely XXXX the WiFi in our shared apartment, despite knowing that I had paid for the service. She also changed the WiFi name to messages like " move out. '' On XX/XX/year>, she returned her mail key, effectively signaling she had vacated the property. 
On XX/XX/year>, she escalated the conflict by filing a XXXX XXXX XXXX ( XXXX ) against me. 
These events forced me and my dog to move back home with my family, XXXX minutes away, with all my possessions. This disrupted my ability to perform my job in sales effectively. 
On XX/XX/year>, I contacted the leasing company to inform them that I could not afford to absorb my roommates portion of the rent, as she was missing and rent was due. Despite my efforts, I was brought to court and fined for damages to the property that I did not cause. 

This series of events made it nearly impossible to manage my financial obligations. When I informed the leasing company that I could not afford the apartment, they initially attempted to switch me to a different room, but they ultimately declined due to my credit. 


I have additional documentation to support my claims, including : Emails confirming communication with the debt collector and leasing company. 
Screenshots of relevant correspondence. 
Potential proof of WiFi payments ( which can be obtained from my former bank, XXXX ). 

Impact on Me : The actions of XXXX XXXX, compounded by the challenges with my former roommate and the leasing company, have caused significant harm, including : Emotional distress due to harassment and intimidation by the debt collector. 
Financial instability caused by the unresolved debt, court fines, and the need to move abruptly. 
Ongoing uncertainty about my rights and obligations due to the lack of proper debt validation. 

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

**************** WARNING FCRA XXXX FORMAL DISPUTE OF CREDIT REPORT ERRORS DUPLICATE REPORTING & RE AGING OF ACCOUNT - FCRA VIOLATIONS XXXX XXXX XXXX XXXX XXXX XXXX, Apartment A XXXX XXXX XXXX California XXXX XXXX XXXX XX/XX/XXXX TO : CONSUMER FINANCIAL PROTECTION BUREAU XXXX CFPB ) REGARDING : 1 ) XXXX XXXX, XXXX ( original creditor : XXXX XXXX XXXX. 
2 ) XXXX XXXX ) EQUIFAX SUBJECT : FORMAL DISPUTE AND COMPLAINT of CREDIT REPORT ERRORS - DUPLICATE REPORTING & RE-AGING of ACCOUNT - FCRA VIOLATIONS Dear CFPB, I am writing to formally dispute and make a complaint of the inaccuracies on my credit reports as furnished by both Equifax and XXXX and XXXX XXXX XXXX XXXX XXXX ( original creditor : XXXX XXXX  ). 
Account XXXX. 
The information reported contains duplicate reporting, account re-aging, and multiple violations of the Fair Credit Reporting Act ( FCRA ) that require immediate investigation and correction. 

Summary of Discrepancies, Errors, and FCRA Violations Duplicate Reporting : The same account number is reported under XXXX different names, which constitutes duplicate reporting. A direct violation of FCRA 1681s-2 ( a ) : - Equifax reports XXXX account under " XXXX XXXX. '' - XXXX reports it under " XXXX ( XXXX XXXX : XXXX XXXX XXXX  ). '' This practice unfairly inflates my debt and negatively impacts my credit score by treating XXXX account as XXXX separate delinquent accounts. 

Reaging of the Account : There are inconsistent and conflicting dates reported between Equifax and XXXX, which indicate an attempt to re-age the account in violation of FCRA 1681c ( a ) ( 4 ) : 1. Date of Last Activity is inconsistent : - Equifax lists the last activity as XX/XX/XXXX. 
- XXXX lists the last activity as XX/XX/XXXX. 

2. Date of Last Payment is inconsistent : - Equifax reports the last payment date as XX/XX/XXXX. 
- XXXX does not report a last payment date. 

The first delinquency date is XX/XX/XXXX, meaning the account should fall off my credit report by XX/XX/XXXX at the latest. However, by changing the " date of last activity '' to a much later date ( XXXX ), the furnisher is attempting to re-age the account, which unlawfully extends the time it remains on my credit report. 

Other Discrepancies and Errors : - Account Status discrepancies : - Equifax lists the account as Open and in Collection/Charge-off status. 
- XXXX lists the account as Derogatory and in Collection/Charge-off status. 

PAYMENT HISTORY DISCREPANCIES : XXXX XXXX THAT I HAVE MADE 98 % OF PAYMENTS ON TIME, WHICH CONTRADICTS THEIR OWN CHARGE -OFF STATUS AND ON TIME PAYMENTS NOT REFLECTED IN THE ACCOUNT BALANCE THEREFORE I AM FORMALLY REQUESTING TO PLACE THIS ACCOUNT AS PAID. **** Sincerely, XXXX XXXX XXXX
Product: Mortgage

POC : XXXX XXXX QWR Notice of Error Loan : XXXX Property : XXXX XXXX XXXX, XXXX, Ohio, XXXX Owner : XXXX XXXX XXXX Trustee Mortgage cosigner : XXXX XXXX XXXX 1. I have been notified by my counsel that the case XXXX has been asked to be dismissed by Faye Servicing counsel is this true? 2. If yes is the investor no longer going to be pursuing the note? 
3. If no what kind of time frame will XXXX be releasing the mortgage? 
4. XXXX 's attempt to collect discharged bankruptcy debt and there placing of illegal fees for improper Forced Placed Insurance on my property which over the past 4 years has accumulated in excess of {$3000.00}. This along with the old reinstatement amounts that I have been forced to pay over the past 3 years which have included XXXX attorney fees and inspection fess filing fees has forced me to invest money I did not have at the time well above the amount of the note on this property. 
5.I have now had to invest more money and devote more of my valuable time taking me away from far more valuable projects in my company pushing back very profitable projects to help with the defense of case XXXX. I will be looking for compensation do you have a contact number for a department that I can discuss settlement with at XXXX and if so please forward it? 
6.The mismanagement and negligent actions of the debt collection services for XXXX over the past 4 years and present have caused me undue financial hardship and mental abuse this has been a long and exhausting journey for me my wife and family. I hope that we can come to some common ground on getting this matter closed and behind me. As I as always express it is better to resolve things out of litigation rather than in court. XXXX as of today the file on this property in which I have forwarded to you by email and in a CFPB report list over XXXX e-Regulations violations not but least including violations of RESPA Section 6, Reg X, Z FDCPA violations and worst the 11 U.S. code sec.524, 944 attempting to collect discharged debt and violating the signed agreement XXXX court ordered by Honable Juge XXXX XXXX XXXX in case XXXX. Now making matters worst I have discovered this was placed as a foreclosure on my credit report as an extremely delinquent account this is not accurate I never owed a large sum the money that was trying to be collected. I only stood my ground and refused to pay on debt that I did not owe. I will looking for the investors response on the settlement of all these matters in connection of my loan. 



Thank You XXXX XXXX XXXX
Product: Checking or savings account

Navy Federal Credit fee overdraft fee OOP fee since XXXX, I feel a lot of the fee have been illegal, I spoke with them several time maybe been refunded {$58.00}, after they charge me of {$300.00} in overdraft fees, Ive been banking with Navy Federal Credit for over 15 and have Address my complaint on the phone several times during the pandemic XXXX I know theres illegal drafts {$29.00} NSF fee from auto payments that Ive cancelled with the consumer, {$20.00} overdrafts $ XXXX of dollars this has effected other bills that I was unable to etc I see a Case has already been filed again Navy Federal Credit for this same reason Please HELP me also XXXX Case filed XXXX XXXX, XXXX
Product: Credit card

Synchrony Financial automatically rejects applications for credit if a bankruptcy is involved. Why do they not state right up front that they will NOT consider or approve applications if a bankruptcy is present or on record in the past? They actively solicit & pursue applications from me yet never approve. They will also not advise of what credit score a person must have in order to be approved. Their reasoning does not seem objective or consistent.
Product: Credit reporting or other personal consumer reports

I have diligently followed all the necessary steps to dispute this account. I've reached out to the bank regarding this issue, and they assured me it's been resolved. Additionally, I contacted law enforcement and filed a report and affidavit, validating the identity theft report. XXXX has complied with legal requirements and removed the accounts, yet XXXX seems to believe I haven't completed all necessary steps. 

AMEX XXXX. 

Despite my efforts, XXXX continues to deny my claims, citing invalid documents. This marks the several complaint I've filed against them, each time receiving the same inadequate response. It appears there is a failure on their part to fulfill their legal obligation to process the identity theft report properly. 

I have submitted reports to a law enforcement agency, including Identitytheft.gov, a federal law enforcement agency. I urge the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate this matter, as it seems XXXX is neglecting their duty in handling identity theft reports. 

The stress of dealing with identity theft and the resulting lack of access to my credit is taking a significant toll on my emotional and physical well-being. It's affecting both my professional and personal life, and I feel overwhelmed as I have no other recourse. 

I want to emphasize that I am the sole individual submitting this complaint. I have not enlisted the help of any third party. I implore you to address this matter urgently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you AGAIN I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$1200.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Date Opened Balance {$810.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$630.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the accounts, as they were already corrected from the other bureaus. You have 30 days to CORRECT these accounts listed below : XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance XXXX XXXX-Late/Open Late Date XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX Date opened XXXX XXXX, XXXX Balance $ XXXXLate/Open Late Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXXLate/Closed Late Dates XXXX, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance $ XXXXLate/Closed Late Dates XX/XX/XXXX XXXX, XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXXLate/Closed Late Dates XXXX, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance XXXX XXXXLate/Closed Late Date XX/XX/XXXX