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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credi
t reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received repeated phone calls late at night or early in the morning. Used abusive and threatening language. Refused to dispute balance. Added fees not associated to the original debt owed. Continued to call me even after I asked to send everything in writing. Initially refused to remove from my credit if I paid it off. They also refused to accept payments I could afford. In the end, I had to pay balances that were over the initial bill and they eventually removed from my credit report.
Product: Student loan

I have been paying on my loans since XXXX and I am being told that I am unable to get cosigner release. Also I am unable to refinance my private student loans because of unsatisfactory credit ratings. My cosigner is unable to help me pay as he is in XXXX. In my promissory note it mentions that " auto default '' is possible if my cosigner passes away. I am currently on a 3 % interest rate reduction program and though the payments are high it is more manageable than the principal & interest or entire balance being due. Please help as the Navient representatives are not helpful at all in keeping my payments and loan account in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC IDENTITY THEFT REPORT Attached Transunion is not repsonding to my letters! I sent them Letters in XXXX and they refuse to respond! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX TransUnion Fraud Victim Assistance Department XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 


XXXX Fraudulent ACCOUNTS XXXX XXXX XXXX, ACCOUNT XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX ORGINAL CREDITOR XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX, Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , ACCOUNT NUMBER XXXX, Original Creditor XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Proof of identity I appreciate your prompt attention to this matter, and await your reply. 

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

I bought a car from driver select on XX/XX/2019. The finance bank that was use was regions bank. As of now XX/XX/2019 they have not reported the loan to my credit or payments that i uave made 3 so far on XXXX, XXXX and XXXX. I contanted them on XX/XX/XXXX about they having the wrong social security at a branch in XXXX in XXXX XXXX XXXX in XXXX texas, the branch manager asked for a copy of my drivers license and social security card which was provided on XX/XX/XXXX. They asked me to give it about 10 days for the loan to show on my credit. However nothing happened. I went to the branch again around XX/XX/XXXX and spoke with XXXX XXXX which told me that it will take another 30-45 days to have loan reported to the credit bureau. I Also received a call from an agent from regions bank on XX/XX/XXXX advising me that the credit update will happen this month in XXXX. However nothing has happened yet. I spoke with XXXX XXXX again today which advised me that XXXX XXXX was supposed to be working on issue and getting corrected and was suppose to call me back. I haven't receive any call yet.
Product: Mortgage

Hi We are attempting to re-amortize our loan w/XXXX XXXX XXXX. 
We sent in an electronic funds transfer to them in mid-XXXX for approx. $ 250k. We never received confirmation from them that they got the money. WE called a few days later to confirm the money was received. They original said they can't find it but then later found it. It's now been almost 2 months and our loan is still not re-amortized and my husband and I aren't even sure we know where the money is anymore. We attempt to contact them and they just tell us we will get something in the mail or we will get an email however none of this has happened. 
I know $ XXXX might not seem like much money to XXXX however it's a great deal of money for us. In the meantime, we have not made a mortgage payment as we assumed the re-amortization would have been completed by now as everything has been completed via electronic transfer. XXXX is not being up front, they are using our money to gain their own interest off it and not properly applying it to our loan as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting act XXXX XXXX XXXX, has violated my rigths. 

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. 

I am not liable for this debt with XXXX XXXX XXXX XXXX I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as i requested.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hey hope all is well, I have recently looked at my credit report and see some unauthorized accounts and inquiries. I have beyond reasonable doubt to believe that these credit agencies have violated my consumer rights with the furnishing of this erroneous information. 

Also on my prior dispute I uploaded the wrong birth certificate and social security card for verification. That information belonged to my son as we have the exact same name, I didn't notice it until I received correspondence about confirming my identity So I've uploaded the correct information. 

In accordance with the Fair Credit Reporting Act the reporting of XXXX  Account XXXX  XXXX # XXXX, and XXXX XXXX  # XXXX has violated my rights. 

Also Inquiries on XXXX ( XXXX XXXX XXXX ) ( XXXX XXXX  XX/XX/2023 ) 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

FCRA SECTION 623 ( a ) Duty of Furnishers of Information to Provide Accurate Information ( A ) Reporting information with actual knowledge of errors. 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.

( 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.
Product: Checking or savings account

Bank of America acc # XXXX {$35.00} wrongfully charged on XX/XX/19. 

This was charged as an overdraft. 

I had told XXXX XXXX  to withdraw $ XXXX on XX/XX/19, and to withdraw an additional {$27000.00} on XX/XX/19. XXXX  erroneously withdrew both on XX/XX/19. This caused an overdraft fee with Bank of America.
Product: Credit reporting

I recently looked at my credit report ( XXXX, Experian and Experian ) and it indicates that I was XXXX days late on my XXXX University loans in XX/XX/XXXX / XXXX 2016. 
I was not late. 
I would like to let it be known that I received the letter attached ( dated XXXX/XXXX/2016 ) from XXXX XXXX ' that clearly displays a quarterly amount due of {$560.00} ( quarterly payment due date : XXXX/XXXX/16 ). 
I would like to let it also be known that I logged in to XXXX, and made a payment of {$560.00} on XXXX/XXXX/2016 - which is the amount that was due, and which is the full amount that was indicated and reflected as due online at that time. My payment history in the last 12 months ( Attachment XXXX ) shows that I have been paying at least this amount every quarter. 
I have not received any written or verbal notification of change in my quarterly amount {$560.00} or my interest rate. I was not aware that a late fee would be assessed or was assessed since this was not reflected on XXXX on XXXX/XXXX/2016 when I made full payment. 
This incorrect record on my credit report has caused severe damage to my financial life, and I would like to request the credit bureau to immediately DELETE this record as it is false.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute to have XXXX showing as paid in full. It was paid in full XX/XX/18 with the last payment. What they have done is added a comment stating account settled for less than full balance and it also show current status collections/charge off which is not correct. It never went into collections. It was charged off. I called the company and was advised that is something the credit bureau is doing and I need to go through them which I have done already. Instead of using an electronic system, they actually need to manually verify and if they did then could have verified the full balance was paid. It was paid in full with the last payment
Product: Credit card or prepaid card

I had a chime credit builder account that I noticed was negative by like XXXX $ somehow. So after chime customer service couldn't explain to me where the XXXX $ charge was coming from, I closed the account. They failed to inform me that after closing the account any money on that account that I'd be getting refunded back I would then lose, INCLUDING MY TAX RETURN! So now I can't get any help with getting my money because no one at chime knows what I'm talking about! I'm XXXX because this will be the 2nd time they stole my tax check and I can't do nothing about it! This is wrong and I need help resolving this asap!
Product: Mortgage

Refinancing of our mortgage loan was closed and all payments disbursed ( to the previous lender and us ) by the escrow company on XX/XX/2020. 
Lender : Everett Financial Inc., dba Supreme Lending, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Escrow Company : XXXX XXXX XXXX XXXX XXXX California, XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX The lender asked for the first monthly payment to begin on XX/XX/2020. No gap month was offered. We complied and paid the first payment to the lender on time on XX/XX/2020. 
Instead the lender gave us credit for " prepaid interest '' for the period of XX/XX/2020 - XX/XX/2020. 
The escrow was initially scheduled to close on XX/XX/2020. But the closure and fund transfers were delayed until XX/XX/2020. 
But, we were not given the extra credit for " prepaid interest '' for the remaining period of XX/XX/2020 through XX/XX/2020. 
We contacted both escrow company and the new lender several times. But we either got no answer, or was told the escrow is closed and no more funds available to compensate us.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : My academic records and personally identifiable information ( PII ). 
My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.
Product: Credit reporting or other personal consumer reports

XXXX {$11000.00} XX/XX/year>, XXXX XXXX {$670.00} XX/XX/year>, XXXX XXXX XXXXXXXX XXXX {$5600.00} XX/XX/year>, XXXX {$1400.00} XX/XX/year>, XXXX XXXX XXXX {$2400.00} XX/XX/year>, XXXX XXXX {$160.00} XX/XX/year> XXXX XXXX XXXX {$380.00} XX/XX/year> XXXX XXXX XXXX {$910.00} XX/XX/year>, THESE ACCOUNT ARE NOT MINE MY INFORMATION WAS EXPOSED IN THE DATA BEACH FCRA LEVERAGE LAWS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I noticed on my Credit Report 2 collections from a Debt Collection Company California Business BU billing me for two medical accounts I have absolutely no knowledge of. Account # XXXX claiming I owe a debt of XXXX and Account # XXXX claiming I owe a debt of XXXX. Both of these accounts by the company California Business BU are being reported on XXXX. I quickly disputed both of these claims. I use a company called XXXX XXXX a credit monitoring service since I've had a problem with my personal info having been used in the past. They notified me that there had been a change in my report and the change had been that California Business Bu on the XXXX of XXXX had removed Account # XXXX in the amount of XXXX and immediately thereafter had made a new collection account and placed it in my report Account # XXXX in the amount of XXXX. When comparing the two collection accounts being reported by this business you will notice that both accounts are the same account number # XXXX only one is now for XXXX with the dates of : Date Last Active XX/XX/XXXX Date Opened XX/XX/XXXX Date Last Reported XX/XX/XXXX and the other account is # XXXX claiming XXXX with the dates of Date Last Active XX/XX/XXXX Date Opened XX/XX/XXXX Date Last Reported XX/XX/XXXX As you can see this is a violation of The Fair Credit Reporting Act, Fair Credit Billing Act, and Fair Debt Collection Practices Act. Violating my Right to Information which requires producers to provide accurate and truthful information when advertising. Under the Fair Debt Collection Practices Act, a debt collector is forbidden to claim False Statements, and use Unfair and Deceptive Practices. Both of these accounts need to be removed from my credit report and whoever is furnishing information to the National Bureaus is clearly taking advantage of the privilege to be able to do so in a negligent and careless manner.
Product: Debt collection

In a effort to reestablish my credit I paid off a number of credit cards and all loans I have taken out recently. After noticing my credit score was in the high XXXX 's this company called Midland Credit place a debt collection from a credit card I haven't had access or used in XXXX. This card was written off but somehow Midland Credit had placed it on my credit report as debt owed and they also are showing the debt started in XXXX which it's totally false and fribricated. This has cause irreparable damage to my credit and they should be held responsible! I would definitely get a lawyer but I wanted to take this route first. I have spoken with them numerous of times as I personally called them and asked them to remove this negative debt from my report but I see they keep filing it. I've disputed it with the credit companies but they come back with they have a lack of information which is the same thing Midland Credit is giving me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have NEW information in regards to a previous complaint. TRANSUNION continues to break the law and violate my rights as a federally protected consumer under 15 USC Chapter 41. TRANSUNION furnished an account on my credit report that I did not give them written consent to do violating 15 USC 1681b ( 2 ) - this account is also fraudulent. I sent an Affidavit of Truth and attached a FTC Identity Theft Report. ( attached ) According to USPS tracking, the documents were received on XX/XX/2022. ( proof attached ) I gave them everything I needed to remove the XXXX XXXX account they furnished without my consent. I have called many many times and all I am being told is that they can file a another dispute. My Affidavit of Truth I sent continues to be ignored. Under the laws of Commerce, an un-rebutted Affidavit of Truth stands as truth and TRANSUNION is liable to compensate me. Moreover, every employee I talked with over the phone claimed they were educated in the FCRA, yet is not one is familiar with 15 USC 1681B ( a ) ( 2 ). They continued to deny that they have the ability to furnish anything on a report. It states explicitly in the law, " Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I am not making this up. This comes straight from the law. TRANSUNION, violated my rights by furnishing this fraudulent account without my written consent. I added the FTC Identity Theft Report to further show that the account is fraudulent, so not only did they furnish an account I never gave written consent to be furnished, they furnished an account that is fraudulent. And pursuant to XXXX5 USC 1681c-2, they had 4 business days to take it off ... yet here we are about to be 30 days later. As I also stated in my previous complaint, the FCRA further states that a credit report can not contain information solely as to transactions or experiences between the CONSUMER ( me ) and the PERSON ( XXXX XXXX ) making the report. TRANSUNION is in violating of 15 USC 1861a ( d ) ( 2 ) ( a ) ( i ). To further drag out this process and violate my rights, TRANSUNION reinserted deleted delinquencies that were showing for this account on XX/XX/2022. The delinquencies were deleted on XX/XX/2022 ( The account still remained ). On XX/XX/2022 those delinquencies were reinserted. This is completely unlawful and in violation of 15 USC 1681i ( 5 ) ( B ) ( i ). I have done everything I needed to do and I hope by sending in this second complaint with more evidence, the CFPB will hold TRANSUNION accountable for violating my rights that have caused me much emotional, mental, financial and physical distress.
Product: Student loan

I'm on the SAVE plan with $ XXXX/month payments and my loans are in forebearance. I should not be accruing interest on these loans, but my Mohela account incorrectly shows almost {$500.00} of interest has accrued.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted XXXX with the attached letter, to notify them that Capital One, is being reported incorrectly. On XX/XX/XXXX, I received a mailing attached as XXXX  refusal ( which claimed to be from XX/XX/XXXX, although I believe it may have been sent after 30 days ), stating that my request was " not specific '' enough, although a copy of the motion from Capital One 's attorney was included. The error is in regard to a {$110.00} filing fee for a fruitless lawsuit from XX/XX/XXXX, in XXXX County Municipal Court, which was dismissed at Capital One 's request by the Court. Please see the attached motion. I have tried to correct the error with both Capital One and Capital One 's Attorney, who responded on XX/XX/XXXX, with no later response in regard to this error. Capital One, refuses to produce a contract, or agreement to pay. There should be no doubt that the error is being overlooked, Capital One is providing false information, and XXXX, has material evidence which is more than sufficient.
Product: Credit reporting or other personal consumer reports

I would like to remove these fraudulent hard inquiries. I did not authorize them to pull my credit report. 

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

SEE ATTACHED I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING