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

My account XXXX XXXX, which is on all 3 credit bureaus, Equifax, XXXX and XXXX has been reporting incorrectly and has incorrect information. Also according to these laws I please ask you to delete this collection from all three bureaus please. Ive highlighted a lot of incorrect information. this is supposed to fall of in 4 months anyways so please delete from all three. 

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 XXXXXXXX I kindly ask you to remove ACCOUNT NAME - XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect information is also being reported on XXXX XXXX reports on all bureaus. please remove all 8 late payments. in violation of laws below. Thanks!

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. 16815-2 ( 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 COMMUNICATION WITH THIRD PARTIES Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

( c ) CEASING COMMUNICATION If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or I kindly ask you to remove the is collection from XXXX XXXX XXXX XXXX XXXX XXXX  XXXX late payments thanks!
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits On Wednesday XXXXCapital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation has caused overdraft fees and late fees to electronic transactions, it has also caused me to not be able to celebrate my daughters birthday as I had planned to. This is so stressful and it raises concerns about consumer protection, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Debt collection

On XX/XX/XXXX, XXXX contacted me via email about an unvalidated debt from XXXX from XXXX 's ( {$1000.00} ) that was purchased by LVNV Funding, LLC. I responded with an email requesting they not contact me, my friends or family, or employer about any debts they allege I owed. To my knowledge, I have never had a credit account with XXXX 's and I believe this debt collection to be incorrectly sent to my email address, regardless, I requested they cease contact with me. 

On XX/XX/XXXX, XXXX contacted me again via the same email address, to which I had previously requested they not send collection notifications, about another unvalidated debt from XXXX XXXXXXXX XXXX  in XXXX ( {$350.00} ), which again was purchased by LVNV Funding, LLC. I have responded again with a cease and desist contact email. Again, I have no knowledge of an account with XXXX XXXX XXXX and I believe they are again emailing an incorrect address. 

Both times the contact name attached to my email address had an incorrect middle initial, which, combined with my lack of knowledge of these accounts, leads me to believe they have not done their due diligence and are assigning my email address to another person 's collection account at XXXX. 

Both of the alleged debts are well over a decade old, and beyond any significant actionable collection methods. I would like XXXX to cease collection communications with me via email or phone unless they are certain the debt belongs to me and is of an age that collection is within the scope of Texas statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts that do not belong to me on my XXXX credit report ; Convergent Outsourcing , Inc and XXXX XXXX XXXX. I filed a dispute with XXXX  and received a response on XX/XX/2017 that the accounts were " verified and updated ''. I filed a second dispute with XXXX  as well as contacted Convergent Outsourcing multiple times by phone and mail requesting validation and physical proof that the debt is mine. Convergent sent me a letter on XX/XX/2017 stating " we have completed our investigation and reported our findings to the credit agency ''. They did not give me the results or proof. XXXX responded with the account has been " verified and updated '' and stated they would not investigate these matters anymore unless I provided documentation. How am I supposed to provide documentation that an account doesnt belong to me? So, I am stuck with damaging inaccurate information on my credit report and no recourse except litigation. Now Convergent Outsourcing has listed ANOTHER fake account on my credit report ( not XXXX ). I am hoping to resolve the matter through the CFPB rather than a FCRA attorney. Any help you can provide would be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my credit report and saw that there are items appearing that need to verify because I am not aware where they came from, below are the items appearing ; XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX This is clearly a violation of my rights and I wanted these items to be removed on my report.
Product: Student loan

I had taken a series of loans to help pay for my XXXX from XXXX XXXX University. In XXXX XXXX, my husband and I were going through a very difficult financial period. We were in the process of selling our home ( to avoid the possibility of foreclosure ), as well as dealing with XXXX health issues related to our daughter. I called Navient and explained my situation asking for assistance as my student loan payment were approximately {$450.00} per month. The representative stated that while there were programs available that would reduce my monthly payments, if I could find a way to modify my budget and pay a bit more, I would actually qualify for a Federal Subsidy program. This program would require me to go on a Income Based Repayment plan, payments would have to be made on time every month for three years, I would have to set up auto withdrawal from a bank account, but, in return, I would get all of my interest back each of the three years of the program. Looking at an almost $ 50K loan, the idea of being able to save $ XXXX in three years definitely made it worthwhile. So, I picked up lots of extra work ( XXXX and XXXX - XXXX ) to make up the monthly difference. 
XXXX XXXX, XXXX ( the date I was told I would receive my first reimbursement check ) came and went with no reimbursement of the interest paid. When I called to inquire, I was told that research had to be done to find out why I had n't received the check. A few more months went by and still no response from Navient nor a check. Then another call to Navient, and again, research had t be done to find out why the check was never sent. 
Fast forward to XXXX XXXX. I was told to call back XXXX XXXX and they would have an answer as to why it I have n't received the check. Today is XXXX XXXX. I have been told that I will not be receiving any interest money back because it was part of my monthly payment. So, since I had been paying the interest all along, I am not entitled to receive any back. 
The Navient representative I initially spoke to in XXXX of XXXX point blank lied to me. He told me that by signing up for the higher payment on the IBR plan that I would receive all of the interest back. This is immoral, unethical, and downright fraudulent. I NEVER would have agreed to pay almost {$100.00} more per month were it not for the fact that I would have nearly $ 10K credited back to my loan. 
As Navient has already been cited for practices such as these, I want my experience added to the complaint. I am SO furious, and all the representative would say was, '' I 'm sorry, but there 's nothing I can do. '' Unbelievable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Quicken Loans to ask questions regarding a refinance of my home. At no time did I give them permission to run a credit inquiry, we were just talking preliminary numbers and they ran a hard inquiry. I have spoken to XXXX XXXX, A Resolution Advocate since XXXX and he has assured me many times that they would have it removed since they had no permission to run it. I made contact AGAIN on XX/XX/XXXX and was told that the removal depends on how quickly the credit bureau removes the inquiry. He assured me in XXXX that it would be removed immediately. Given the fact that I never gave them permission to run a credit check on me, I feel that they should have corrected the problem immediately. I can provide a copy of all email if necessary.
Product: Debt collection

I had an account with target red card. I contacted and tried to dispute with target several times and even asked for a payment update because it showed different amounts on the 3 credit bureaus. I called them to close the account and was told I would have to make an payment to close it which I was okay doing but when it got time to make the payment the representative told me oh your case was transferred to another company and when the other company got on the phone they asked for my information in which I was sure they would've had it. It was XXXX XXXX which is a collection agency. I never received anything from XXXX XXXX saying they are the ones in charge of my collection or anything. I wouldn't even had known my case was transferred to them had I not tried to make a payment. I have tried many times to dispute this account because it has been very detrimental to me and my well-being s as it has made my credit drop. 15 U.S.C 1681 section 602.A states I have the right to privacy and I feel my privacy was evaded by target transferring my account without my knowledge then posting on my credit report. XXXX XXXX is trying to collect the debt but td bank/target is reporting on my credit. Its too many discrepancies.
Product: Credit reporting or other personal consumer reports

I have been communicating with these company for the past 6 months to remove inaccurate information on my credit report. The company has not given me proof that any of the alleged items belong to me. They are harming my personal financial life.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i traded my XXXX XXXX XXXX to XXXX XXXX. XXXX XXXX paid Capitol One and received the title for the transaction. The check was short XXXX and no one was made aware of this. Capitol One put late fees and charge off on my credit report. I obtain a letter from XXXX XXXX explaining how this is their responsibility and that it should not be any late fees or charge offs on my account. I have talked to Capitol one about this 5-7 times now. Each time i was told my account will be fixed, so far no updates. Been trying since last year to fix this situation.
Product: Credit reporting or other personal consumer reports

Subject : Request for Trafficking Victims ' Block on Consumer Reporting Agencies Date : XX/XX/year> Dear Sir/Madam, I am writing to formally request the blocking of certain information pertaining to my trafficking victim status from my credit report. The details listed below, which are currently appearing on my credit report, are directly linked to my trafficking experience. 

- XXXX XXXX # XXXX - XXXX XXXXXXXX # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX # XXXX - XXXX # XXXX I kindly request that you proceed with the blocking of this information from my credit report within a period of XXXX business days, in accordance with Section XXXX of the Fair Credit Reporting Act. Additionally, I would appreciate it if you could provide a formal notification regarding the actions taken to address this matter promptly. 

I am grateful for your prompt attention to this request. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Arkansas XXXX XXXX XXXX XXXX
Product: Credit card

Its been over 3 months of me asking American Express to fix a payment Ive made on XX/XX/XXXX on a phone call with Amex agent and the payment was to be for XXXX but the agent out it on the wrong billing cycle so the system didnt put it for XXXX. I contacted them and was advised to not make XXXX payment as they would fix the issue so I made my regular payment in XXXX. 
Ive been on over 30 calls with American Express and they promise resolution but dont fix it. Finally a couple weeks ago they refunded the amount saying they couldnt fix it and asked me to pay again, which I did. 
Now I got notification from my credit that American Express reported me as 30 days late payment when I never missed a payment. I talked with them again, over 3 hours on a call and they again say they have to open investigation and offered me no resolution. 
Ive been dealing with this issue for 3 months. I got wrong information and empty promises of resolution every step of the way. Ive wasted hours at every call and now I have a negative credit report when I made all the payments that were asked of me?! I need Amex to remove this negative remarks form my credit immediately and give me an apology for this mess!
Product: Credit reporting or other personal consumer reports

I checked my credit report in the morning of the XXXX and noticed that a hard inquiry was added under the name Comenity Capital/Seph. I called them inquiring about the charge along with the reporting credit bureau. Comenity said they had no record of me and that there was no further information that they could provide to me. I have never inquired with Comenity, let alone attempted to open an account with them. This is either them improperly using my information to open lines of credit, or an individual with little information about me applying for a credit card under my name with little to no verification.
Product: Credit reporting or other personal consumer reports

XXXX XXXX bank account number XXXX Credit report is showing a balance of XXXX However, the account was closed and written off. When I reached out to the company, I was told to fill out a XXXX and file my taxes. I was not able to pay off anything on the account because the account was closed. 

I filed my taxes and it has been acknowledged by the XXXX. However, it is still coming up on my credit report with a balance. I spoke to the company and they say that theres nothing else they can do but supply with a XXXX I need this trying to purchase as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote letters to XXXX and TransUnion requesting the payment history for this account to prove that it should be charged-off. I have not received any validating documents proving the attached account is correctly classified as a charge-off. Failing to verify within 30 days when requested is a violation of the FCRA.
Product: Mortgage

I received my annual escrow account disclosure statement XXXX XX/XX/2021. The statement reported that I had a surplus of {$470.00}. It stated that they would be sending me a check for the surplus. I never received a check and it is still showing in my escrow. On XXXX I contacted them via phone and received a callback. When I asked them about the statement and the check, she said that since it was so long ago that she would have to check to see if they would still be sending me a check and that she would send an email to that department. When I told her the surplus was still showing in my account she stated that she would still have to send the email. I asked how I was supposed to know what the answer was and she just stated that she would keep an eye on my account. 

**Another issue is that this company canceled my escrow for my homeowners insurance. I asked her why and she stated that they could do that if they wanted to. I asked her to please send me something showing that they could do that and she stated that I would have to submit something in writing to them in order to receive something in writing from them. I made a previous complaint on this company regarding their failure to pay my taxes and insurance. I believe they canceled my escrow due to this.
Product: Checking or savings account

RE : Consumer ID # ( XXXX ) Dear Collections and Consumer Relations Dept. : This letter is in response to your recent claim that ( WELLS FARGO XXXX XXXX ) has verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by ( WELLS FARGO XXXX XXXX ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 
Additionally, please provide the name, address, and telephone number of each person contacted at ( WELLS FARGO XXXX XXXX ) regarding this alleged account. I am formally requesting a copy of any documents provided by ( WELLS FARGO XXXX XXXX ), bearing my signature, showing that I have a legally binding contractual obligation to pay them. 
A bank employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see XXXX XXXX XXXX, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the state of Georgia Attorney XXXX office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : XXXX. ) Defamation XXXX. ) Negligent Enablement of XXXX XXXX XXXX. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 

My contact information is as follows : Your Name ( XXXX XXXX ) XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX.
Product: Credit reporting or other personal consumer reports

I submitted paper work from XXXX and from the court that we came to a settlement agreement and I paid my agreement in full. Waited a month. No change in my credit repot. So I sent off on XX/XX/24. All court doc and legal doc and a cover letter about removal due to inaccurate reporting information.
Product: Mortgage

I applied for a an FHA loan and they gave me a preapproval of XXXX then as soon as they got my credit card information and i put the deposit of {$500.00} they broke contact with me and revoked my loan approval on grounds of which were already discussed before they gave me the approavl which was my tip income not being counted. Then XXXX XXXX wrote me an email saying my credit ard would not be charged / I would be refunded the XXXX deposit as no services were received but yet they have failed to stop the payment charged on my XXXX credit card and I now have the charge showing as a payment due. the following is the response eail from XXXX regarding the XXXX deposit - On Wednesday, XX/XX/2018, XXXX XXXX CST, XXXX, XXXX XXXX wrote : Good Afternoon : Thank you so much for reaching back out to me. I am terribly sorry your loan is not moving forward and we have found ourselves in this position. Right now I can tell you that I will be digging into your loan application from start to finish to assess what happened and take corrective action as necessary. In regards to your deposit, I will be making sure we refund this to you in full. Right now there is a pending charge, but I will be having my accounting team remove that pending charge from your card. If you have any questions regarding this, please do not hesitate to contact me. 



XXXX XXXX Executive Resolution Advocate Quicken Loans Executive Office Direct : XXXX - Toll Free : XXXX ext. XXXX Fax : XXXX XXXX Every Client Every Time No Exceptions No Excuse
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX XXXX is current, never on a past due. Please reverse the late payments because I have never made a late payment on this account ever.
Product: Checking or savings account

Bank of America closed my account and my funds are in the account I have nothing and my money is still in the account. The bank refused to give me my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters to all parties on XXXX XXXX and previously before that when I finally check my credit report I noticed that they was reporting Accuracy information on my credit report that is hurting my credit. I sent this letter stating. 

I have never signed a hippa relive form authorizing them to place this on my credit report. ledge XXXX XXXX {$4100.00}. XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX. The three bureaus are reporting inaccurate information the errors on my report are different from each bureau Therefore these are inaccurate and are HIPAA violations.And I want these immediately deleted. HIPAA laws protect my personal medical information from being used without my consent and you are now a where of these HIPAA violations deleted immediately.

And auto loan inaccuracy 15 U.S.C1681b ( a ) 2 law violations And still they not removed Also not to mention XXXX XXXX  amount on my credit report is inaccurate as well