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

1. I've contacted The credit reporting agencies, and my banks multiple times about inaccurate information on my report. I've sent debt validation demand letters, and They refuse to provide me proof of two accounts that aren't mine. 
A. XXXX XXXX XXXX the debt is owed by a business, and not mine. 
B. XXXX XXXX XXXX ... it was opened in XXXX XXXX where I've never been.. Used/maxed in XXXX XXXX which I've never been to. I disputed it for years ... No validation of debt ever given. So I gave in and paid it... it still reports as a charge off 5yrs later!!!! 

2. XXXX and XXXX XXXX XXXX XXXX had me in a COVID payment arrangement on my car and credit cards and still reported me 30 days late. I contacted the banks first who both XXXX from XX/XX/XXXX and XXXX XXXX from XX/XX/XXXX directed me to dispute the late pays thru the credit agency 's... I disputed these with the credit agencies multiple times l. Everytime they come back with the late payment validated. I've spent hours on the phone with XXXX, XXXX XXXX and the credit bureau 's. Nothing has been fixed. I emailed 8 corporate officers with XXXXXXXX XXXX  and not one responded... These late pays and wrongful reporting have prevented me from refinancing my home, and my rental property which has a balloon coming due ... .i lost  my home because I couldn't refinance in XX/XX/XXXX. 

3. I was a victim of XXXX data breach and I have over 60 credit inquiries on all 3 bureau 's, I've NEVER made ... Thankfully my score was so thrown off from the inaccurate reporting the scammers couldn't do anything but apply and get denied. I've disputed these multiple times since the data breach without any results. 

I'm now on the verge of losing my rental property/only income to feed my kids with ... due to the inaccurate reporting. 

I demand immediate proper validation of EVERY single item open or closed your reporting on my credit.. And each item you can not provide proof for will be deleted immediately until you can provide proper validation. 

F

CRA 15 usc 1681i 602A states I have the right to privacy. FCRA 15 usc 1681i 602A section 2 states a consumer reporting agency can not furnish a account without my written instructions. 

Fines associated with these violations could be {$1000.00} per violation. 

This is my final demand before beginning litigation.
Product: Student loan

They have called my phone over 10 times a day from different numbers and restricted, they have been unwilling to work with me when it comes to making payments. I have been with a XXXX XXXX and struggling to make it Day to day. I regret going to school at this point for having to take out a loan and it landing with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask for Validation from chase bank because they are reporting a account i am not sure of i was sent a letter stating Account info rmation is not available? i also asked   XXXX   to verify and I would Like Proof As per Sec 605, 609, and 623  no proof was every provided but replied back that Chase Bank  Verified  account and updated it on  XXXX   XXXX ,  2017 .
Product: Credit reporting

A company XXXX was given my credit report by Experian. This was not authorized and has had a negative impact on my credit score. Please remove.
Product: Student loan

In XX/XX/XXXX my loans were transferred from XXXX to Mohela. Once they were transferred, I submitted my Employment verification form under the temporary waiver on XX/XX/XXXX to meet the XX/XX/XXXX deadline. I received notification from Mohela on XX/XX/XXXX my form was missing information. I called Mohela shortly after ( I think XX/XX/XXXX ) and spoke with XXXX XXXX employee ID XXXX ) who verified there was no missing information and he would resubmit it with those notes and that " it should '' still be considered as on time for the XX/XX/XXXX deadline. I received notification from Mohela on XX/XX/XXXX that I was not yet eligible for forgiveness. At that time they also provided me with an updated PSLF loan count, which was incorrect. Fine, not eligible under the waiver, but I needed my PSLF loan count to at least be correct. 
Before my loans were transferred away from XXXX I had them provide me with an updated PSLF count. The XXXX count showed that Loan Sequence 7 & 9 would be eligible for forgiveness XX/XX/XXXX, Loan Sequence 11 & 12 in XX/XX/XXXX, and Loan Sequences 1-6, 8 & 10 in XX/XX/XXXX. Mohela 's dates were off by more than 12 months, thus extending how much longer I had before I would be eligible for forgiveness. 
I have only had two employers the past 10 years and with no gaps in employment and have verified my employment every year and always made qualifying payments under the right payment plan. 
I called Mohela XX/XX/XXXX to attempt to have this fixed - I spoke with XXXX ( employee ID XXXX, in training ) and went through each loan sequence in detail and reviewing my employment dates to verify the correct counts - she said it would take 10 days to receive an updated count on the website but that it looked correct on her end after we spoke. I then waited a couple days and submitted an updated Employment Verification Form on XX/XX/XXXX verifying my employment with my employer through XX/XX/XXXX so that they could verify Loan Sequence Loan Sequence XXXX & XXXX would be eligible for forgiveness XX/XX/XXXX, Loan Sequence 11 & 12 in XX/XX/XXXX. Instead I received notification that I submitted a duplicate form, which was incorrect, it was not duplicate. So I called Mohela again on XXXX and spoke with XXXX XXXX employee ID XXXX, in training ) who confirmed my form was not duplicate and that on XX/XX/XXXX I should see the updated/corrected PSLF counts XXXX that should reflect what I had from XXXX  ) and that my XX/XX/XXXX form would no longer say Duplicate and instead Processing. on XX/XX/XXXX I received notification from Mohela that I was not eligible for forgiveness yet ( even the ones I should be ) and the updated count they gave was again incorrect. I am on the phone with them again trying to get this resolved. This madness needs to stop. I have had only two employers without gaps in employment and verified my employment every year and have always made the eligible payments.
Product: Credit reporting or other personal consumer reports

Today, I noticed some inaccurate accounts on my credit report, and I have no clue why they are there. I regularly check my report, but this time, there were inconsistencies that I didnt expect. I even tried refreshing my browser, thinking it might be an error, but the incorrect accounts stayed. Because of this, I kindly ask that my submitted documents be carefully reviewed so I wont have to deal with this concern again.
Product: Checking or savings account

Wells Fargo Bank Settlement 2022 - I believe I qualify.

There were numerous times over the last few years that I had to contact Wells Fargo regarding my account due to Overdraft Fees that I didn't feel were justified. I noticed and addressed with various bankers that a large amount of small payments would stay " pending '' for longer than usual, then they would allow a large payment ( rent ) to go through before a deposit. This would tank my account, then they would allow my deposit to bring it back up, then they would process all the small amounts at once and charge me overdraft fees for each. I have called each time and while they never fully refunded the fees, they would say " we can reimburse you a percentage '' and that percentage would change each time I spoke with them. Sometimes, they would claim I had met my limit on getting fees overturned and would deny my request.

I am unsure how to submit a request to be a part of this settlement, but I do believe that I qualify. I do believe that Wells Fargo continuously took money from me in fees, unnecessarily.

Thank you for your time and help.
Product: Credit card

Citi Bank offers access to statements and transactions on their website. For the second time in a month " There are no statements immediately available at this time. '' The last time ( around XXXX/XXXX/16 ) it took ten days and a complaint to CFPB to resolve the problem. The resolution is apparently temporary.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2
Product: Credit card or prepaid card

I made a purchase at XXXX. Product was damaged in shipping I returned product I supplied XXXX with return slip. XXXX acknowledged they received the item however my XXXX account is closed because of an unrelated security concern. And because of XXXX dies not have access to account informed me to contact back. When XXXX received notification transaction was disputed they agreed and refunded money. On XX/XX/XXXX chime has had my money and will not release into my account and XXXX considers order resolved because money was given back and will no longer assist. Chime has acknowledged they have the money however is stating dispute is still under investigation when in fact itll is resolved and the only reason it is still open is because chime will not process refund.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Trans Union, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Trans Union, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Trans Union, XXXX, XXXX or XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Trans Union, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Mortgage

During covid my wife and I caught XXXX and I got injured on the job and I received a lost on income and because of these occuraces I was unable to make payments and felt that i was unfarely treated and to a modification.
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. 

XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX Acct # XXXX, violated my ri

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

I am XXXX XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXXXXXX Balance : {$590.00} XXXXXXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

These hard inquiries are unauthorized and they are not related to any transaction by me. I want these hard inquiries removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : 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.

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

Original Creditor and Collection Agency are both reporting a current balance.This is a violation of my rights.Under FCRA Law 15 USC 1681i.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Trans Union several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity theft report, I've called Trans Union and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX 's acct XXXX, XXXX XXXX XXXX acct XXXX, XXXX XXXX acct XXXX. The other two accounts show they are included in a bankruptcy but there is no bankruptcy that is in my credit files XXXX XXXX acct XXXX & XXXX 's acct XXXX.
Product: Debt collection

I reviewed my account through the company web portal for customers. I learned that my payoff amount was XXXX on XX/XX/XXXX. I EXCITEDLY, whipped out my debit card for payoff amount. The ledger showed that I was paid off. The company the next day takes an additional amount of XXXX on XX/XX/XXXX. I made an inquiry about this amount, after being antagonized by the supervisor ( the csr did a warm transfer stating what my problem was ) XXXX said that my payment was scheduled to be withdrawn from my account prior to the payoff, and the payoff amount was added to regular payment. 

There is no stipulation suggested or any other practices explained that this is the practice. Which I find to be unethical. YOU can not state my amount is to payoff is XXXX XX/XX/XXXX. legally take more money after the ledger suggest I'm paid off. I have paid over XXXX on a loan that should have only cost me XXXX. So why be concerned if I've already overpaid. Because this practice is unethical and I want my XXXX.
Product: Credit reporting or other personal consumer reports

I disputed a collection account on my credit report on TransUnion and they said they investigated and find out its accurate. I requested them to provide me with the description of the procedure they used to determine the accuracy of the information that I disputed. They violate my consumer right by Non-Compliance according to FCRA 15USC 1681i ( a ) ( 6 ) ( B ) ( iii ) mandated them to do. This situation causing me hardship because I can`t be able to get approval for credit cards or loan. The collection account is XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a certified residential appraiser and have been appraising for the last 11 years successfully. Six months ago I received an email from my high volumn/long time client/lender saying I was being blacklisted by the Mr. Cooper, formerly Nationstar Mortgage Holdings Inc., and my client could not use my appraisal service anymore since Mr. Cooper would not purchase loans based on appraisals prepared by me. The reason for being blacklisted was unknown. I've being trying to reach out to Mr. Cooper company, also with the help with my lender/client, for answer but we were ignored and stonewalled by Mr. Cooper company. I'm being blacklisted without explanation and no pre-notification. Until this day, I still don't know why I'm being blacklisted or even have an opportunity to respond to or rebut any alleged discrepancies. 

My business suffers tremendously loss of income due to the action taken by Mr. Cooper, especially during the pandemic. I've been appraising for the last 11 years and my record is clean with no complaints from any clients or disciplinaries from appraisal state board. I'm requesting Mr. Cooper to reconsider and remove my name from the exclusionary list of appraisers.
Product: Bank account or service

Bank Of America regularly solicits new businesses with various promotional incentives. On or about XX/XX/XXXX I have received the Bank of America promotion promising, among other things- As a valued customer, you 're eligible to receive this exclusive {$500.00} online offer XXXX Bank of America XXXX {$500.00} Offer.pdf ) The offer required:1. Open a Bank of America Interest Checking or XXXX Checking account ; 2. Setup and receive XXXX direct deposit of {$2000.00} or more ; 3. Open Rewards XXXX XXXX XXXX account and deposit at least {$20000.00} in new balances. 
4. Keep the {$20000.00} balance in the Rewards Money Market Savings account for 30 consecutive days. 

However, once all the conditions are met, Bank of America deliberately evades living up to its promises and granting the promotional rewards. It goes to extended deceptive practices to lure the customers with the generously sounding misstated promotions, only later to evade granting any rewards. 

Specifically, in this case, all the conditions were met, as acknowledged by the representative on the recorded line, however, the bank 's system is set up in such a way that any and all Electronic funds transfers ( via ACH ) are not counted towards the direct deposit requirement. In fact, Bank of America flouts its own definition of direct deposit as well as that of the Federal Reserve. 

In its Personal Schedule of Fees booklet ( personal-schedule-fees.go.pdf ) on page XXXX it states : '' What is a direct deposit? 
A direct deposit is an electronic deposit of funds to a checking or savings account. 
For Bank of America XXXX Checking accounts, qualifying direct deposits are deposits of regular monthly income -- such as your salary, pension, Social Security benefits -- which are made through the automated clearinghouse ( ACH ) by your employer or other payer. " Moreover, the Federal Reserve in its definition of an Automated Clearinghouse System specifies, " The ACH system is a funds transfer system that provides ... Recurring credit transfers ( that ) include payroll direct deposit payments. " XXXX : XXXX # 4However, Bank of America did not count the direct deposits to my Bank of America checking account related to my employment and benefits at XXXX XXXX and XXXX XXXX towards the direct deposit requirement. When contacted, a Bank of America representative was unable to provide a definite answer, beyond acknowledging the receipts of direct deposits and offering to 'look into it '. 
It is my understanding that the Bank of America cunningly engages in misleading marketing and then purposely miscategorizes incoming direct deposits via ACH to avoid paying out any of the promotional amounts to the customers. 

I am aware that XX/XX/XXXX Bank of America was ordered to pay {$20.00} XXXX in civil money penalty to the CFPB and an additional {$720.00} XXXX In Consumer Relief for its Illegal Credit Card misstatements and promotionsXXXX XXXX would like to kindly request that the CFPB carefully review the initial complaint, pool together similar complaints about the misleading marketing practices and order the bank to pay the penalties and reliefs as appropriate.