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

Im Accordance with Fair credit reporting act XXXX XXXX XXXX XXXX # XXXX has violated my rights 15 U.S.C 2681 section 602 A States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 it also stays a consumer reporting Agency Can not furnish account without my written instructions
Product: Checking or savings account

I lost my card and it was used and I disputed it and they credited my account but then decided to deny it and took {$200.00} from me!!! Everytime I'd call they told me they had a dispute open and being looked into but next thing I know is my account was closed!!!
Product: Debt collection

The debt being reported on my credit report is a corporate debt. My name is XXXX XXXX XXXX, I once owned a XXXX with a separate tax ID known as XXXX XXXX XXXX, XXXX. I opened a XXXX account in the corporations name, with NO PERSONAL GUARANTY. I did not provide my personal information. XXXX had tried through several collection companies to collect this debt against the company that I no longer own and was out of business years ago. This new company, ERC Collections, is reporting it on my PERSONAL credit file as a delinquent account collection. This has caused XXXX account to be closed already, and several to be placed under review and I was declined for something as well. ERC Collections can see the Tax ID on file, and STILL reports on my credit file. I have disputed with ALL of the credit bureaus but ERC Collections STILL says it is my debt. I have verified with XXXX this was a BUSINESS account in a corporate name with NO PERSONAL SSN OR GUARANTY ON FILE, only the business credit Tax ID. I have given all of this to ERC yet they STILL have not removed it.XXXXNot to mention when I first got the letter from them I called the very next day and disputed as well as sent a letter advising the valididty of this debt was disputed and listed the reasons why. Yet without verifying or reaching back out to me, they simply reported it to my credit report as if I had not dispouted it at all.
Product: Mortgage

I closed escrow on my home on XX/XX/2019. Prior to the close of escrow Lakeview Loan Service disbursed payment for flood insurance on XX/XX/2019 in the amount of {$380.00} to XXXX XXXX XXXX XXXX of Florida. According to XXXX XXXX they show no receipt of payment. Lakeview sent an email to me onXX/XX/2019 stating disbursement had been made from my escrow account. I did receive a refund of overpayment to the escrow account, but that did not include the money sent to the flood company. I received notification from XXXX XXXX XXXX the policy was cancelled on XX/XX/2019. I have been calling Lakeview Loan Service to no avail. They just keep telling me they are researching what happened to the money. I began calling on XX/XX/2019 when it was apparent, I was not being refunded my flood insurance payment. So far, I have called on XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19. I always get a run around of it's being investigated and will be disbursed soon. I have tried to speak to a supervisor, but there is never one available. I have also called XXXX XXXX on XX/XX/19 and XX/XX/19. They told me someone from Lakeview called on XX/XX/19, but they need to have proof of disbursement and front and back of the cashed check. No one at Lakeview can seem to provide that document. I have not received a satisfactory answer of what has happened to the insurance payment or if it will ever be refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Transunion a notice that they are furnishing inaccurate and incorrect information regarding charged off accounts on my consumer report. 

Initially I contacted Transunion to verify the validity of the charged off accounts, I then read a publication on the IRS website in which the IRS defines a charge off as gross or ordinary income. To my understanding, income does not get reported on the consumer report and that makes the charged off accounts inaccurate. 

Title 15 USC 1681s-2 says that those financial institutions are a furnisher of information to a consumer reporting agency.

Pursuant to 15 USC 1681s-2 ( a ) ( 1 ) ( A ), 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. 

Those companies are in fact PROHIBITED by law to furnish inaccurate information, but Transunion allowed them to do just that and caused me financial hardship. 

Furthermore, pursuant to 15 USC 1681s-2 ( a ) ( 1 ) ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

Both the companies and Transunion have been put on notice and they continue to be in violation of the FCRA by continuing to report the charged off accounts to my consumer report. 

Please see the attached letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Product: Prepaid card

I have purchased a prepaid card through XXXX called XXXX prepaid debit card. My wife and I loaded {$40.00} dollars on the card, just for a bill and trying out a new card to use for bill saving. 

We arrive home and my wife and I tried to activate the card online. My anciently clicked the auto fill that remembers previously filled information on certain webs, upon this everything was filled in except my social that i filled in myself. We failed to ensure the name was filled in entirely. We did n't find out until after it went through that only my initials appeared. All information correct except my full name not appearing. So it was not activated. 

We call the customer service and they tell me I can not use the card and if I want to I have to send in all of my personal information like my photo ID, my receipt, and my social security information. 

Now, I given them all of the correct information however I was not sending in my information just to wait months for them to give me my funds if they ever were. I put my money on the card, trusting the card to use online immediately. This is ridiculous and they tell me i can not receive a refund nor can i use my card, They are able to activate it, they are refusing to. this is not for my safety, this is FRAUD! A SCAM! This is not advertised and they have stolen my money. I can not use my card and receive my funds at all. they want my identity information. This is not something they can do. This is not a bank, but a card. I am baffled and downright upset having trusted this card. 

This is ridiculous and others should not use this only to find they can not access their funds. They have stolen my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to the TransUnion credit Bureau to REMIND that there is no involvement from a third party. They can not legally contact third parties with my private or sensitive information. Lack of permission defines fraud. The items listed below are false and are having an effect on my ability to establish credit. I want this removed right away! 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$130.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$150.00} ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

And accordance with the fair credit reporting Act XXXX account # XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602A. 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 account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the 3 bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX Balance Owed : {$17000.00}, I believe it was reporting in error.
Product: Credit card or prepaid card

A while back while attempting to raise my credit limit on my existing Bank of America accounts I was denied twice and sent a letter stating my accounts were not used enough. Since then I have prioritized using those accounts. XXXX attempted to open an new account that has popped up to me as a personally catered offer so that I can complete a balance transfer. I have been a customer with Bank of America for 10 years and have accepted a XXXX XXXX  member status. I also hold all my assets there and it is my primary wealth management institution. After filling out the application it was denied. I called the credit department and spoke with 3 different reps who told me they will not approve the application simply because the existing accounts are not used enough. I explained my situation to the rep with recently moving across country and having to pay off cards at other banks as well as told her that I have now been using those accounts since getting declined for limit increases. Additionally I mentioned I had a perfect credit score, no delinquencies, perfect payment record, and have been a long customer. I thought that transferring a balance in itself is activity. The rep did not want to hear me. I asked for a supervisor but instead was transferred to a dispute settlement person. After 20 minutes of hold he too was unable to approve the application and stated that they will not be extending any more credit to me than I alreafy have which is miniscule. I am a XXXX and make a significant income, pay all my bills, and am a perfect client. I feel I have been treated unfairly and disrespected today. Additionaly I now have an unnecessary inquiry on my credit report. I dont understand why they make personalized offers available to clients if after trying to use them you simply get declined.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX : XXXX Account number XXXX Equifax : XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX : XXXX Account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handing of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report.
Product: Mortgage

I been properly provided all documents to my lender in time manner, unfortunately the company that was helping us. made several errors on my application and collect money in advance with promises never fulfill, at the same time, I did requested help from Keep your house California, consequently I got approved for the program. but my lender denied the funds approved from the government program.
The lender denied a modification on XXXX, 2017. I did re-applied for a modification for a second review, since my circumstances had change in different ways, i.e my wife had reduction on work hours and high college tuition.
Product: Mortgage

I believe Navy Federal Credit Union ( NFCU ) denied my mortgage loan application based on my race, being the head of household, and my age which were known by NFCU from supporting identification and documents requested by NFCU. This action by NFCU caused my family and I to be denied equity of becoming homeowners.
Product: Credit reporting or other personal consumer reports

PLEASE HAVE THE FOLLOWING ACCOUNTS DELETED IN THE NEXT 4 DAYS AND SEE DOCS. 



THESE ACCOUNTS HAVE BEEN REPORTED AS FRAUD AND DELETED AND BLOCKED FROM XXXX AND XXXX. EQUIFAX THIS IS 4 ACCOUNTS THATS STILL REPORTING TO MY CREDIT WITHOUT PERMISSION. THIS IS AGAINST THE LAW. PLEASE DELETE IN THE NEXT 5 DAYS. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this dispute for several fraudulent entries on my consumer report. I am disputing all entries or accounts as fraud accounts opened without my authorization. I have attached a copy of my police report and FTC Affidavit. Please remove all these banking accounts and send me an updated report. On XXXX I finally received a copy of my consumer report which I have been unable to get online and I have tried on several occassions. This company has made everything very hard for me in obtaining a consumer report. There is always an excuse as to why I can not get it. I want all these accounts moved as fraud XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. There are 11 inquiries that needs to be removed as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are also need to be removed.
Product: Student loan

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, XXXX XXXX XXXX XXXX XXXX. 
As a matter of fact, XXXX XXXX XXXXXXXX and their Parent company, XXXX were investigated by the attorneys general of several states and have been found to have acted in a fraudulent manner. 
Because of the numerous claims of fraud and misconduct perpetrated by XXXX XXXXXXXX XXXX, the Biden administration has just announced a blanket discharge for anyone enrolled at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. 
My Federal loans in the amount of estimated at around {$11000.00} including interest, were paid of years ago by myself. 
I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XXXX 's. 
These private loans with a high risk of default were part of a package deal offered to " for profit schools '', but loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. 
I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit online schools. 
After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? 
Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? 
Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. 
This application is a sham. 
Why do we need to prove anything? 
Navient knows who we are. 
Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. 
Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. 
XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW!
Product: Debt collection

XXXX are reporting unverified information on my credit report on Fed Loan Servicing # XXXX and the below creditors and this is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims. 

US Dept of Ed/XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  {$270.00} XXXX XXXX XXXX # XXXX
Product: Debt collection

Hi, On XX/XX/21, I sent a certified letter to Personify Financial to dispute this alleged debt. The address they have on file for all communication is XXXX XXXX XXXX XXXX XXXX, CA XXXX. The letter was returned on to the sender on XX/XX/21 because the address is undeliverable and unable to forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE DELETE ASAP The following addresses are not mines ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX the following Employers are not correct ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXXXXXX OH XXXX THESE TWO BANKS ARE NOT MINES I DID NOT AUTHORIZE THEM. XXXX XXXX XXXXXXXX XXXX XXXX PLEASE DELETE ASAP
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/XXXX since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history this inaccurate information falsely manipulated the status of limitations. 
The account charged off was {$6800.00} dollars I had a payment agreement from XX/XX/XXXX to pay {$200.00} dollars per month which I have been paying on time. ( 16 months at {$200.00} dollars = {$3200.00} dollars ) I paid in full the obligation on the XXXX of XX/XX/XXXX the agreed upon amount of {$5200.00} dollars. 
Today XX/XX/XXXX after 3 months they still have not updated the credit bureaus to reflect that payment. This is directly impacting my credit score in a negative way and the information they are reporting is inaccurate.
Product: Consumer Loan

XX/XX/XXXX my husband and I took an auto loan from Regional Acceptance Corp for a XXXX Ford Escape. In XX/XX/XXXX the vehicle was totaled in a car accident that was not my fault. At this time we were still making our monthly payments of {$370.00}. Our insurance company, XXXX, required a payoff amount from them and XX/XX/XXXX sent a check to them for {$6600.00} to pay off the vehicle. We are now buying a house and found out that they have been reporting us late to the credit bureau every month since then stating that we still owe them {$3700.00}. I have been calling them to discuss this 4 times a day everyday for the past week. I can not get anyone to answer the phone and I have left over XXXX messages and have not received a call back at all! This false debt is the only thing standing in the way of my husband and I being approved for an FHA mortgage to buy our home. I do n't know what to do now. I have had nothing but problems with them since we acquired our loan XX/XX/XXXX and I have read nothing but negative reviews about them concerning all of the same problems as we are having!!! Please help!!!
Product: Vehicle loan or lease

On XX/XX/2022, I consumer, XXXX XXXX, went into XXXX BMW, to enter into a consumer credit transaction. The business manager, XXXX XXXX, stated he did not know what a consumer credit transaction was. I explained to him what it was and he then asked me how would he get paid for the vehicle. I explained to him he would get the money for the vehicle. He acted like he still didn't know, so I asked for a buyers order to take to a bank to enter into a consumer credit transaction. I went to XXXX XXXX, in which they stated they only do auto loans, which is a violation of 12 CFR 1431, because banks can not issue loans nor extend credit. The following day, I was attempting to extend credit through BMW Financial Services, and was denied the extension of my own credit. XXXX XXXX, stated BMW XXXX XXXX required the consumer to have a minimum score of XXXX, although there is not a law that states a consumer must have a minimum credit score.
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 XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX ACCOUNT XXXX XXXX : XXXX accounts were opened : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 supposed to modify accounts that aren't reporting correctly.

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. ;