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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Transunion credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under para
graph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I need to switch my account and I don't have access to my old phone or chase account. It's impossible to get ahold of anyone for the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681i - Procedure in case of disputed accuracy. 
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. 

Did not make these inquirys Hard inquiry : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX  XXXX/XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

Hey I was inquiring about an issue that I have with Citibank where there's was fraud committed on my account causing it to close/charge off for no apparent reason. I disputed this item and let them know multi times that fraud was done and they dismissed my claim with no real investigation and they told me that it was verified without providing any documents. This has cause my to owe XXXX plus dollars and I am unable to open a bank account cause of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received the following message from XXXX, but they continue to report to all three credit reporting agencies that I still have a balance owed. When I check my account at XXXX it shows XXXX balance. 

Your XXXX loans have been forgiven. 

Please log in to your inbox at XXXX to view the full message. 

XXXX, Congratulations! The Biden-Harris Administration has forgiven some or all of your federal XXXX loan ( s ) with XXXX in full. 

This debt relief was processed as part of the Biden-Harris Administrations one-time account adjustment because your XXXX loan ( s ) have been in repayment of at least 20 or 25 years. An adjustment to your account updated the number of payments that qualify towards income-driven repayment ( IDR ) forgiveness. This forgiveness is effective as of XX/XX/XXXX. 

Log in to your account for details at XXXX 

WHAT YOU NEED TO KNOW Here are some important points on this IDR forgiveness : Due to the American Rescue Plan Act of 2021 the balance of your loans that were forgiven is not considered taxable income for federal income tax purposes. Since state and local tax implications will vary, we recommend you contact your tax advisor for more information. 
Not all your federal XXXX loans may be listed in the letter delivered within your account as you may have begun repaying each loan on a different date. If you have federal XXXX loans that are not listed in the letter, please continue to make payments on them. Payments are not required until after the payment pause ends at the end of XXXX. Your first payment will be due in XX/XX/XXXX. To find options to help with repayment, visit XXXX. 
We have notified, or will notify by the end of the month, all national credit bureaus of your XXXX  loan forgiveness. 
If applicable, well process a refund for any payments made towards the loans listed above after the effective date of this forgiveness. 
NOTICE : This letter is NOT an attempt to collect a debt or a demand for any payment. 

BEWARE OF SCAMS You might be contacted by a company saying they will help you get loan discharge, forgiveness, cancellation, or debt relief for a fee. You never have to pay for help with your federal XXXX aid. Make sure you work only with the U.S. Department of Education and their loan servicers ( like us ), and never reveal your personal information or account password to anyone. Our emails come from XXXX or XXXX. Emails that the U.S. Department of Education sends to borrowers come from XXXX, XXXX, or XXXX. You can report scam attempts to the Federal Trade Commission by calling XXXX or by visiting reportfraud.ftc.gov. 

HOW TO CONTACT US For information regarding your XXXX loans and the forgiveness process, please contact us at XXXX, or online at XXXX. 

Sincerely, XXXX
Product: Student loan

Participated in my Department 's Student Loan Repayment Program ( SLRP ) and opted for 3 separate disbursement sent to Navient from United States Treasury. 

My loan was a XXXX XXXX XXXX loan and mail payments are sent to XXXX. XXXX XXXX XXXX, GA XXXX. I incorrectly put the address ( XXXX. XXXX XXXX XXXX, PA XXXX ) intended for Navient loans. Navient processes both XXXX XXXX XXXX and Navient Loans. 

My name and account number are on the check. My first payment was disbursed and cashed by Navient but it did not get credited in my account because it went to the wrong payment address. Per Navient customer service, they will cash the check, hold it for 10 days and return it to the sender without notifying the person on the account/check. 

I find it suspicious that my name and account number are provided and my account was not credited. In addition, they cashed the check ( probably started accruing interest ), held it for 10 days ( 20 in my situation ) before returning it to the sender ( United States Treasury ) without notifying me. 

My complaints are : They have my information, why not correctly allocate the payment instead of cashing and holding the funds without notifying the borrower or noting their account next time they inquire.
Product: Mortgage

This will be my second complaint against XXXX XXXX. My previous one Ref # XXXX almost caused me to lose my house due to their negligence and non willingness to help me. I'm writing this complaint because now they are trying to charge me a " Foreclosure Appraisal Fee '' for XXXX XXXX In their response to my previous complaint they said - " Finally, as a commitment to highest standards of customer satisfaction, the foreclosure action was cancelled and all foreclosure related fees and/or costs and property inspection fees will be waived. '' Why are they trying to sneak in fees that they caused themselves? If I didn't check my statement I would have paid this astronomical fee for no reason. I want to know why.
Product: Credit reporting or other personal consumer reports

Somebody stole my identity and has been using my information to open credit cards and get loans for cars and personal consumer loans I put a credit freeze with all three credit bureaus and somehow this person has already made an account with XXXX so I dont know if they lifted the freeze with XXXX but I cant access XXXX obviously because this person already has an account with them and our information doesnt match so Experian doesnt let me access account online nor do they give me access over the phone
Product: Debt collection

Evergreen Pro Recovery sent information to XXXX and XXXX some how put someone else on my report {$100.00} can you please help me get this off my records???
Product: Credit card or prepaid card

In accordance with the fair credit reporting act this creditor has continued to violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B A creditor may not treat a payment on a credit card account under open in consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2019, I have been trying to freeze my credit report and obtain a copy of my credit report. I have called every week for several weeks and have attempted to order my credit report by phone, as well as two attempts to obtain my credit report and ask for a credit freeze online. None of my attempts have been successful, no one has contacted me regarding my requests, no credit reports have been sent to me, and no credit freeze has been initiated or verified that one is being processed. I would like a full credit freeze on Equifax, XXXX, and XXXX, as well as a comprehensive credit report from all three credit reporting agencies and I would like your help in obtaining these requests.
Product: Student loan

In XXXX I enrolled at college at XXXX XXXX University. They pushed Navient as a private lender for me to pay for school. After college The payment was too high for me. As I did not have a job in my field. Instead of offering me income based repayment which my payment should've been zero dollars a month they pushed me into forbearance. I was in forbearance for a few years and then they contacted me threatening me that I must make some sort of payment. At this time my student loan debt had increased significantly from my 9 % interest rate. finally three years ago they told me they were going to garnish my parents wages and their assets if I did not make a payment. They then enrolled me in a interest rate reduction program. Whenever Covid hit they did not let me participate in the forgiveness of payment even though I had no job and was barely surviving. For the last 12 years I have been harassed, bullied and received no options as to other ways for me to make payment. They now have their settlement which they are paying back borrowers, but only those who have defaulted on their loan. Which at the time they did not let me have any option of defaulting I HAD to make a payment. For the last three years I have been paying {$4000.00} in interest a month. My last year XXXX I only made {$13000.00}. If that puts it in perspective.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint may has already been filed though CFPB with no response ( XXXX with a response that requested more information. 

I'll ask again here. I'm asking that for both my wife and myself, that we are requesting to no longer use the FREE Transunion access, which are " Service.transunion.com '' and " XXXX '' Right before our loan was transferred to the present mortage company, we were both kicked out of the free access and had to go through a proving the same info you already have in detail, and was told that we had to use a NEW log-in access that became " Service.transunion.com '' which was totally new to us and when asking about it we were told that it was the new means to allow us access to our credit reports. And if trying to log back in using Transunion.com the sight indicates that we're not already in the system, yet at times in the past we were told over the phone that I was already registered on three different Transunion accounts, but once we got kicked off and were told that we could only use Service.transunion.com which does not reveal what those who pull our credit report say the are seeing when they pulled our reports. So this takes us back to needing to gain access to " Transunion.com '' only that has us both blocked out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX because my bank XXXX XXXX XXXX would not give me a auto loan due to the fact that XXXX  XXXX is reporting that I had a co signer and that the balance was still due. The account that I had with them was years ago and paid off in XXXX or XXXX. When I contacted them the rep was very rude and told me to contact the credit bureau to have them remove the account off my credit. I asked for a supervisor and she stated that my account was indeed paid off and nothing else was due and that she will send me a email stating the account is paid off and will be deleted since the account was old. When I received the letter it only show that the account was paid off. I disputed this account with XXXX  which took more than 30 days and the account is still present and nothing was updated. I disputed several accounts with them and sent proof that the accounts were paid off and informed them of the company pay to delete and the accounts are still present on my account. - [ ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX allowances XXXX  payment confirmation # XXXX - [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX email will be sent tomorrow. 
- [ ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX paid All XXXX  accounts paid on XX/XX/XXXX XXXX still has paid accounts listed in collections and did not remove them as well as XXXX, and Equifax. All of these companies have agreed to remove off my credit report and to allow 30days. Well it has surpassed 30 days and I have disputed with all three Credit bureaus and not receiving any progress.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts 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. 15 USC 1681 section 602A states I have the right to privacy. And according to 15 USC 1681eb they are suppose to ensure this whenever the consumer reporting agency prepares a consumer report.
Product: Credit card

I attempted to make a purchase for XXXX at a shop and it was declined multiple times in front of a store full of customers humiliated. Decline and then I reached out to chat and it never said my XXXX balance was decreased to XXXX
Product: Mortgage

RE : Wells Fargo fraudulently charged us for stuff we did not order on a Wells Fargo mortgage which we had with them from XXXX through XXXX. XXXX and I have been entered into the class action lawsuit on XX/XX/XXXX, with tracking numbers XXXX and tracking number XXXX. 

XXXX in Wells Fargo 's claims department was assigned to the claim. My husband XXXX XXXX XXXX passed away in XX/XX/XXXX and I sent them this information. XXXX then requested a Death Certificate which I sent them on XX/XX/XXXX. XXXX then said she could speak to me about the claim, and she offered a settlement amount. I counter offered and she said she could not accept it, so the claim moved to another department. 

I then got a call on XX/XX/XXXX, from XXXX requesting a copy of our will to show I am authorized to speak on XXXX 's behalf. I told her the original mortgage where this claim originated from was a JOINT account and I am the survivor. I told her that XXXX has already cleared this problem up and we talked about their original offer and my counteroffer. She hassled me to no end, and they stall and put up roadblocks at every turn in this process. I feel this whole process shows Wells Fargo in a poor light and this is a continuance of their fraudulent behaviors they have shown to millions of people caught, unknowingly like us, in their deceitful, underhanded practices. 

One other note on this : if my name had been first on the original mortgage papers, this would be a mute issue. XXXX 's request for a copy of the will is out of line and someone needs to step in to see just how Wells Fargo continues to manipulate and use people.
Product: Bank account or service

I opened an IRA XXXX Traditional ) in XXXX at The XXXX XXXX XXXX XXXX, MA XXXX XXXX Br-anch. In XXXX I added to it. I thenmoved in XXXX XXXX and forgot about this accnt. 
Now in XXXX my Father finds an old statementof the money and interest that I had in this acct. 
XXXX trust no longer exists. It became XXXX Bank and then Citizens Bank. Thecurrent bank has no record of my original acct. 
I do not remember every receiving notice of anaccount from XXXX savings bank. 
In XXXX when I moved to XXXX I have since moved8 times and my name has changed. How do I goabout finding this IRA? Thank you for your help.
Product: Debt collection

Account were opened fraudulently. I was XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX thru XX/XX/XXXX XXXX number XXXX. Due to These fraudulent accounts reporting, I'm unable to move forward in life. Also, unable to compensate the amount. My identity was stolen while XXXX I have no Knowledge on how. I'm Requesting these Accounts be removed. 

Capital one - XXXX XXXX XXXX amount {$5800.00}
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.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

This is concerning my checking account with FirstMerit Bank. I deposited my payroll check for {$990.00} on Saturday, XXXX XXXX, XXXX. Today, Monday XXXX XXXX, XXXX, my funds are still not available for withdrawal. I called the bank and asked why this is the case, and XXXX the branch manager at the XXXX XXXX location in XXXX, Ohio told me that this is their policy and that it will be available tomorrow. If Saturday is a business day on which a check can be deposited into a bank, directly to a teller via their drive through ( not an ATM ), then it counts as the business day on which the check was deposited. Today would qualify as the business date after the date on which the check was deposited, and according to the Expedited Funds Availability Act of XX/XX/XXXX and Reg. CC, I should have AT LEAST {$200.00} available to me out of that check. Currently, my previous balance, not including my pay check, of {$57.00} is all that is available to me. FirstMerit Bank is violating federal law by withholding my money from me and I want them to stop doing this. None of the stated exceptions apply to my transaction - the check is not fraudulent, I have not overdrafted my account, the check is not being re-presented for cashing after not clearing, none of it. I do not have direct deposit available to me through my employer and I should not have to go to check cashing places and pay a fee when I have a perfectly good checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Synchrony Bank located in XXXX, FL. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Synchrony Bank has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.