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

On XX/XX/19 I reviewed all three credit bureaus and noticed there was fraudulent activity on my credit reports and on XX/XX/19 I requested a security freeze, fraud alert be placed on each credit bureau. On XX/XX/19 I mailed 3 signed, certified dispute letters with Federal Trade Commission Affidavits to XXXX, XXXX and Trans Union paying a total of {$25.00} for the mailing fees. I received notification on XX/XX/19 that XXXX received the certified packet and its contents with the tracking number XXXX. On XX/XX/19 I received notification that XXXX received the certified packet and its contents with the tracking number of XXXX. On XX/XX/19 I received notification that Trans Union received the certified packet and its contents as well with the tracking number XXXX. Next, on XX/XX/19 I went to review all three credit bureaus and paid my monitoring website {$24.00} to refresh all reports and noticed that each fraudulent account was still on my credit and there was no changes on any of the credit reports. It is now XX/XX/19 and I reviewed my credit reports again and there are no changes. I have not received any investigation notes whatever and now I am reaching out to the Consumer Financial Protection Bureau to help me rectify this urgent situation. It has been well over 30 days as stated in the Fair Credit Reporting Act section 611. Additionally, I did send copies of the section 611 with all the certified packets to further support my case.
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name/ Account # 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

I fell victim of fraud my XXXXXXXX XXXX accounts was comprimised XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to Cares Act creditors/credit bureaus are not allowed to put late payment info during times of covid XXXX XXXX XXXX XXXX XXXX XXXXXXXX Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Payday loan, title loan, or personal loan

In XXXX of XXXX I purchased furniture from Conn 's Credit Corporation. The total amount of purchased furniture was {$3200.00}, they added ( required ) insurance even though I had renter 's insurance and was told that I had to purchase this, and they financed the sales tax XXXX. The total amount became {$3900.00}, then they added $ XXXX an admin fee. Interest accrues on all of this. They contract states 36 payments at {$170.00} would settle the balance. That is a total of {$6100.00}. The day the first payment was due was XX/XX/XXXX and the original balance was {$4000.00}. 
I began making payments, but incurred late fees because they have some policy that states they will not send statements or emails when bills are due. They instead will only notify me if I missed the due date and incurred a fee. I am bombarded with texts and emails requesting different amounts on different days to keep or bring my status to good standing. I have attached an example of this deceitful practice where they sent me 2 emails within 24 hours with varying due amounts that do not coincide with the due date, so there is no justification for the different amounts other than it is made to look like they are " helping me '', then they emailed again 2 days later, different amount warning I was 30 days past due ( I had just paid them on the 10th ). A week later I get an email that I am 60 days past due. While I question the legality of this practice, that is not necessarily my issue. 
In XXXX I noticed that my balance had not gone down in the over 2 years that I was making my monthly payments. I called several times and was connected and transferred in an endless cycle. On one call, an agent said they saw that on XX/XX/XXXX an adjustment was made adding {$1200.00} to the balance. The agent said they would research and get back to me, no one ever did. I called again and was transferred again, while the agent was speaking to another agent to transfer I overheard them discussing that my account had been flagged with a " hot ticket '' and there was a concession to settle my account for {$3400.00}. The agent made no such concession when talking to me. When pressed on why my account balance was increased outside the parameters of the contract, I was advised that it was because the first year was " interest free '' promotion. I advised that was never on that program, never offered that, and was being penalized for not paying the balance off in the first year per the terms of a promotion I never had. This was a simple interest installment loan that clearly laid out the rate, interest, penalties, and payment structure. I have abided by this, but clearly Conn 's in committing fraudulent acts and invalidating the contract. I have my original contract, I have the loan ledger as reflected in their system. It clearly shows what I am saying, they have changed the terms and total of my furniture loan by thousands of dollars without reason or cause. They acknowledge they changed it, but instead of fixing it, they expect me to just keep paying them.
Product: Credit reporting

Under credit inquiries both Transunion and XXXX are showing XXXX hard credit inquiries. I have made XXXX ( XXXX ) transactions that would trigger a hard inquiry. 
All inquiries shown have been made without my knowledge, consent or action with companies that I have an on going relationship and should not be shown as hard inquiries, but as soft inquiries made by companies without any effort or permission on my part. Thank you for correcting this matter.
Product: Credit reporting or other personal consumer reports

Trans Union XXXX XXXX XXXX XXXXon my account they determine that it was fraudulent information and the information was to be deleted. After I provided the identity, death report from the FTC. However the information ended up back on my report and they are now refusing to remove. This is a violation of my rights under the FCRA. This is the 3rd time I have requested an investigation on this issue. Each time I requested procedures used to confirm the false information and it has yet to be given. This false information has been causing major problems and is defamatory to my character as this information is untrue. and the failure to properly investigate and remove this false information and assure maximum accuracy of my credit report is grounds for a lawsuit. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting act XXXX  Account # XXXX, has violated any rights. 

15 U.S.C 1681 Section 602 A. States that 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.
Product: Checking or savings account

SunTrust bank did not pay out the SunTrust deals.
Product: Checking or savings account

On XX/XX/XXXX I spent XXXX $ at XXXX XXXX XXXX. They told me my debit card was declined so I gave them my credit card which they charged. The next day I looked at my bank accounts and both charges went through. I filed a claim with Bank of America which was denied because they didn't have proof that I was double charged. I submitted copies of my statements showing that I was double charged in XXXX and they said they would reopen the claim. They apparently didn't reopen the claim until it was XXXX by which time I was outside of the window to dispute the charge. How is it that I need to send Bank of America copies of my statements that they already have in order to show that I was double charged? Why did they not notify me when I submitted my paperwork that there was a time window that was running out? Why did they not reopen the claim the day I sent the paperwork? Why is it my fault that Bank of America failed to look my statements with them and see charges for the same amount on two different cards on the same day? I made the situation very clear over the phone on multiple occasions and they failed to take appropriate action. I will be looking at moving my money elsewhere unless this is resolved.
Product: Mortgage

About a year ago, my Credit Score was about 720. Pretty good. I had a VA Loan and several credit cards. I've been doing well on those payments. I THEN refinanced my loan in XXXX to save myself around $ XXXX/month on mortgage payments. I expected the hard look at my credit to drop it a few points ( although I TOTALLY disagree with a credit check dropping the score ANY ). It dropped more than 50 points. THEN when the re-fi went thru, it dropped an ADDITIONAL 40 points because my credit report LOOKED like I had defaulted on my home loan -- still haven't missed a payment, on credit cards or mortgage, mind you. It's been hovering around XXXX for months. RIDICULOUS! OK. Last month, my mortgage got bundled and sold to another lender. AND IT HAPPENED AGAIN! My credit is NOW XXXX and I am being DENIED JOB INTERVIEWS because of my credit score! THIS SHOULD BE CRIMINAL! I HAVE NOT MISSED A ) @ $ % @ PAYMENT! 

I have since gotten offers to re-fi that would save my family an additional $ XXXX/month. I am DEATHLY afraid to even consider them. 
Why would they do this? I DO NOT UNDERSTAND!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within ( 4 ) business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report five fraudulent accounts appearing on my consumer XXXX Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at XXXX XXXX  in XX/XX/XXXX under account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, a credit card account opened at XXXX XXXX in XX/XX/XXXX under account number XXXX, a credit card account opened at XXXX XXXX in XX/XX/XXXX under account number XXXX-, and a credit card account opened at XXXX XXXX XXXXn XX/XX/XXXX under account number XXXX-. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from my consumer credit report and all collection activity related. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this inquiry
Product: Prepaid card

I've attempted to dispute transactions with this company for a while they finally did it once I submitted a complaint. I contacted the company because I've yet to receive a replacement card or the paperwork they claim they needed to process my dispute. Last week and was told the paperwork was sent out and to wait until XX/XX/year> I then called back yesterday just for an update & was told my claims were denied. How can they be denied if I never received the paperwork needed to process my dispute? They denied it due to no error found how is that even possible? Here is a list of all transactions that I Didn't AUTHORIZE! 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 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 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

I want all information regarding a b/k over XXXX yrs ago removed from my credit reports from all three reporting agency and to be advised when done!
Product: Credit reporting or other personal consumer reports

I am writing to contest and to dispute the inaccurate reporting of an account on my credit report. Upon contacting the respective company, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the account would be promptly updated. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. Equifax and XXXX have already corrected the inaccuracy of the account from my report and so I request that you take immediate action to update this erroneous account. 

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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Transunion credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : Dept Of Ed/XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of Ed/XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, Dept Of Ed/XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00}, Dept Of Ed/XXXX  XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX and Dept Of Ed/XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX Please correct these accounts immediately.
Product: Debt collection

contacted this company Midwest Recovery System in regards to a collection account advised them that this was not my account they sent me an invoice that doesnt show validation of this debt belonging to me. i have asked to have this removed from my credit report as it is showing negatively.
Product: Checking or savings account

I CALLED TO GET INFORMATION ON BUSINESS TYPES OF FUNDING LIKE CREDIT CREDIT BUSINESS CREDIT CARDS LINES OF CREDIT FOR THOSE WHO ARE NEW TO COMMERCIAL WHEN IT COMES TO PROPERTY AND AND HOUSING PROBABLY BEFORE BUT DURING COVID NO DURING XXXX  IT WAS GOING ON WHEN EVERYTHING WAS SHUT DOWN I'M AFTER THE FACT DURING THE FACT THERE WAS FINANCIAL SINUSES OF FINANCIAL MONEY MADE OF FINANCIAL MONEY MADE OF FINANCIAL MONEY MADE AVAILABLE TO NEW OWNERS WHETHER IT'S BUSINESS AND PERSONAL WHEN OPEN MY ACCOUNT WITH WELLS FARGO I ALREADY DID MY RESEARCH AND I FINALLY GOT A COMPANY BEFORE COVID ACTUALLY SHOULD STARTED INFORMATION ON HOW TO FIND OUT WHAT'S GOING ON WITH CREDIT AND HOW TO GET THOSE DISPUTED LETTERS IN AND IT WAS WITH XXXX XXXX AND THE GENTLEMAN WHO INTERVIEWED THE MAN WHO WAS OPPOSED ARMS BEGAN XXXX XXXX THAT'S NO LONGER WITH US AND I'M A PART OF THE COMPANY AND OUR CRAZY SECRETS THEY HAVE THE PERSONAL IN THE BUSINESS INFORMATION EDUCATIONAL BOOKLET AND YOU BECOME A PART OF THEIR FAMILY AND I'M SIGNED UP WITH THEM THIS IS HOW I WAS ABLE TO TACKLE SOME THINGS TO FIND OUT WHAT WAS REALLY GOING ON AND IT WAS A PLAY ON WORDS AND I DON'T UNDERSTAND I FIGURED OUT WHEN THAT REALLY ALMOST MISSING IT THAT THE BANKS THE CREDITORS ARE MAKING MONEY BEYOND THE PERSON THEY MAY SAY OH THE MONEY ESPECIALLY IF IT'S REALLY GOOD CREDIT CUZ MINE IS GOOD ANYHOW I WAS TOLD THAT I WASN'T ELIGIBLE FOR THE BUSINESS BUILT RENT CREDIT CARD I WASN'T ELIGIBLE FOR THE WORKING CAPITAL BUSINESS LINES OF CREDIT PRETTY SURE NOT ELIGIBLE FOR ANYTHING BUT THAT'S IMPOSSIBLE BASED ON WHAT I READ THEN I COULDN'T HAVE THE BETTER ACCOUNT DUE TO THE BASICALLY BASED ON HOW MUCH MONEY YOU HAVE IN YOUR ACCOUNT!
Product: Checking or savings account

I am missing $ XXXX worth in ACH deposits with chase. One from XXXX. And several from XXXX Chase has done nothing to help when its very clearly an issue on their end. They will not help and have just been sending me in circles. Chase free up my money so I can close my account with you guys. Im am very upset One was delivered XX/XX/XXXX for {$2200.00} chase cant find it and will not help. 

I went to the branch for a signed and stamped letter stating that this transaction has not been been found or a statement for XXXX. The teller told me she couldnt do this for me no matter what I call chase just now and he tells me they can do this no problem No one knows what theyre talking about, all the reps say something completely different and no money to be found
Product: Credit reporting or other personal consumer reports

Hello CFPB, 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 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 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: Student loan

on XX/XX/year> I found out that my federal student loans we're eligible for a full discharge and my borrower 's defense application was approved due to the predatory and unlawful conduct of the school I attended, The XXXX XXXX. 

I requested a school misconduct application from Navient and on XX/XX/year> to discharge my private student loans with them. I was found to have met the criteria for the application and received it. I compiled all of the information I could find to show that the XXXX XXXX misrepresented the education I was to receive, the salary I was expected to obtain upon graduation, the placement support available and most notably, the ability to pay off the loans that we're aggressively pushed on me. 

The school misconduct application was submitted on XXXX XXXX and was denied XX/XX/year>. The reason for denial was vague and only stated that I did not meet the requirements for a discharge. 

The XXXXXXXX XXXX XXXX XXXX found that the XXXX XXXX made pervasive and widespread substantial misrepresentations that borrowers relied on. 

The United States XXXX sent a letter to Navient on XXXX XXXX, demanding Navient cancel these predatory student loans that are governed by the FTC " Holder Rule. '' Navient worked in coordination with fraudulent for-profit schools, pushing loans on borrowers that we're likely to default. 

How can Navient still say my loans do not meet the criteria for school misconduct?
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX 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 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 months that are reported late 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 XXXXXXXX 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