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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> 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 paragraph ( 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

I spoke with an agent back in XXXX and was told donate the bed frame and it would be deleted from my account i called for my letter and never got got it and its still on my report.
Product: Debt collection

I requested that Lien receivables llc provide me with written verification of the debt and to specifically contact through mail because I do not trust any emails or texts giving the account of scams out here and the company refuses to send anything through the mail and has told me they do not do that its a waste of time
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX  XXXX Bankruptcy Federal XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

We are paying our mortgage on the last day of the month due to income impacts of Covid. 

I went through Carrington 's payment system before XXXX the same way that I do every month and submitted my payment. I have never had an issue and always get an email confirmation the next day. 

On XX/XX/XXXX, I received an automated phone call that I hadn't paid the bill. I called immediately and talked to them. They didn't show a record of the payment. I immediately submitted the payment again, and confirmed that the associate received it. 

I have proof that I was on the payment pages ( XXXX timestamps my activity ) and proof that the funds were available, but Carrington refused to even take it. 

They are reporting me late on my credit. I haven't had a late on a credit in 15 years. 

They had some sort of issue with their system and messed up my payment.
Product: Student loan

Various dates with Navient Student Loans I owe XXXX in student loans. My ex husband and I divorced two years ago ... he was on as a cosigner and in the divorce decree I am responsible for the debt.. and he is not working. They are not releasing him until I make payments on the loan for a year. This is not fair.. When I am asking about repayment options for myself a single mother now I am being told I would have to pay XXXX a month for all the private loans I have with very little towards principal and they will not work with me to lower my payments or I am being told different amounts by different representatives. Unreasonable payment arrangements and interest rates ... inconsistent figures to repay and not income and expense driven. They also go by gross pay, not net. I pay XXXX a month in health insurance and XXXX a month for my daughters car insurance plus mortgage, plus medical bills, etc. Navient needs to change their practices with student loan debt.
Product: Mortgage

XXXX XXXX Bank of America # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX This short sale was started XXXX/XXXX/16 with Bank of America. XXXX of the homeowners is XXXX XXXX military. It was only sent to the XXXX department towards the end of XXXX. WHY? Why did Bank of America wait so long to place this loan in the correct department? 

In addition, Bank of America has told us that they will foreclose on an XXXX XXXX service member XXXX. They claimed they could not postpone the foreclosure sale date without a short sale approval. I spoke again with XXXX XXXX today, told him that this is an XXXX XXXX service member and it would be an SCRA violation to foreclose on this property. He said he could do nothing except tell the negotiator assigned, XXXX XXXX. 

Since when is a lender allowed to foreclose on an XXXX XXXX service member XXXX?? 

Thirdly, we are not able to contact the negotiator directly. The information given in equator is invalid, and we have no way of reaching them by phone.
Product: Credit card or prepaid card

I have been a long time card customer with American Express. Never missed a payment or had any problems. I received a new offer to spend over {$4000.00} and receive bonus points, flight credits, hotels credits, etc.

Upon using the card to buy something that cost over {$4000.00} my account was suspended and now American Express is asking for personal income information. After going back and forth asking them to grant me my credit as was outlined in the agreement. They have refused to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I tried to negotiate this matter with XXXX XXXX and couldnt get a good english speaking agent to assist me. Ive spoke to collector in which this account was sold and they assured me the deletion upon payment from all parties in XX/XX/2017 however still harassed by XXXX XXXX legal team to make payments months later although payments was made in full in XX/XX/2017. XXXX XXXX is very disorganized and harmed my credit and failed to understand my situation with identity theft. my personal information was used to open an accounts as well as gain employment with Companies. after learning my rights under the Federal Trade Commission. Although Ive paid balance owed under my name I did not authorize the opening and charges on this accounts, and I therefore request that it be delete This account immediately. I also request that XXXX XXXX absolve the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. also a Identity theft Notice was placed on all 3 credit reporting agencies. just trying in the best way to get my financial life in order again. this is not a duplicate there are 2 accounts visa and master card same situation.
Product: Checking or savings account

The following letter was sent to Office of Comptrollers on XX/XX/XXXX, XXXX They referred me to your office. I attached at the bottom the promotion sent to me XXXX XXXX XXXX XXXX, Pa XXXX Comptroller of the Currency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : I read your mission on the web page, and your mission is the exact service that I need. 
On XXXX I took a postcard I received in the mail for a bank promotion through XXXX XXXX  to the XXXX, PA XXXX I showed the representative, XXXX XXXX, the postcard stating the incentive of {$200.00} for deposit of {$20000.00} in savings account for three months and {$300.00} for {$2500.00} direct deposit in 90 days, XXXX XXXX talked with the manager, XXXX, and said I qualified for the promotion. She put together the paperwork, and I signed the documents. The next day, I went over to the XXXX XXXX XXXX and veritfied with XXXX, the manager, the paperwork for the routing numbers for my unemployment checks. 
On XX/XX/XXXX, I stopped by the XXXX branch and asked a representative named XXXX if the branch posted my promotional money. She told me to go home and look at the promotion I had. She told me I never opened a checking account. I called the national branch and talked to a XXXX. Nobody returned a call. On XX/XX/XXXX, I called the national number and was somehow connected to XXXX from New Jersey. She said XXXX from Exceptions Department would call me back. No call I called the manager, XXXX XXXX, and he did call me back. He was professional In his handling of my frustration ; however, his support of his representative did not allow him to see my side of the situation. I told the representative what I wanted, showed her the promotional card, and provided the bank with my routing numbers and a check. It was very clear that I wanted to take advantage of the promotion. XXXX XXXX said it was not clear I wanted a checking account.he did not even work at the bank at that time. He refused to give me the {$300.00}. Also, I found it more than a coincidence that the {$200.00} for the savings account was posted on XX/XX/XXXX, the day I questioned the bank. 
I need an an agency that can supervise XXXX XXXX  to ensure that they are operating in a safe and sound manner, make sure the bank complies with the laws and regulations, and treat customers in a fair way. I am wondering if the employees are told to only open the savings account saving the bank {$300.00}, but getting my direct deposit money. Also the coincidence of the promotion money being posted XX/XX/XXXX. I have enclosed a copy of the promotional card. If there is anything else that I can provide you in your investigation of this bank, and in particular, this XXXX, PA branch Sincerely, XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue has been going on since XX/XX/2020 and nobody is helping me! Hyundai is clearly reporting this account inaccurately and after their computer generated investigation is stating that it is reporting accurately. This account is supposed to be CLOSED with no recent missed payments. XXXX has it as open with one recent missed payment and XXXX has it as closed with no recent missed payments. Hyundai is claiming they investigated and is accurate when my credit report clearly shows the inaccurate reporting! Attached is Copy from my credit report, Hyundai response saying its reporting accurate. This is a serious issue and hurting my credit rating and causing me to be denied credit! I need someone to reinvestigate this account immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and XXXX  is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX there was a account that was open in my name that I did not apply for because of this I have a late payments on an account that I never opened because of this it has destroyed my financial future I need to get this account deleted off my credit report Ive never opened this account especially around the year XXXX when I just was able to get my first credit card Account name XXXX XXXX XXXX XXXX XXXX  number XXXX XXXX  type XXXX XXXX Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX - XXXX updated - Recent payment - Monthly payment {$0.00} Original balance {$800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : BRCLYSBANKDE XXXX Date Opened : XX/XX/17 Balance : {$3100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in violation of 15 USC 1682 by furnishing my consumer report without permissible purposes.
Product: Credit card

My XXXX credit cards issued by capital one was compromised and they replaced all XXXX cards accordingly. However, I am still being made to pay for the fraudulent charges made on the cards all the while they are saying an investigation is taking place there has never been a resolution to the investigation and yet I am still suffering from the overage as well as the restrictions of the card but have not used them. Not to mention its being reported to the XXXX credit agencies. They say I need to still pay and they reimburse but that does not make sense to make me the victim pay for them to reimburse when in fact they have not done anything in regards to this incident. I spoke with several people in the fraud department as well as collections to no avail. Everyone is looking into it but no resolution. Its been under investigation since XXXX and its now XXXX and nothing has changed except new cards with the same fraudulent balance transferred over to new cards. Please help bring resolution to this very awful ordeal.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Account remaining on my credit report after the company has requested numerous times to remove it.
Product: Payday loan, title loan, or personal loan

I lost my job XX/XX/XXXX and requested assistance for loan forgiveness. The company is charging me 499.99 % Bright Lending loan Number : XXXX Finacne Charge XXXX Amt Financced : XXXX Total of Payments : {$6000.00} Date : XX/XX/XXXX Due Date : XXXX every two weeks CREDITOR : ADDRESS : PHONE : EMAIL : Bright Lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit card or prepaid card

I am contacting you a second time because I do not think my problem was addressed right.I told the bank about my problem but they seem to be stuck on one issue.The company was to send me a release form and never did.They obviously did this on purpose as to extend more time.I never used this merchant in any way shape or form.The company I was dealing with was XXXX XXXX, not XXXX XXXX.XXXX XXXX must be involved with XXXX XXXX as they used their merchant account.There not going to send a release to sign.Neither one of these companies have rendered any kind of service whatsoever.XXXX at XXXX XXXXd says they can not take the money back from the merchant because of the time that has lapsed.I have been defrauded out of money on all my cards and learned a lot.I know they can go back as far as 538 days.If XXXX XXXX was legit, why would XXXX XXXX pay me back.These companies are using merchant accounts to defraud the elderly.The fair thing to do would be return my money.I would like to know what XXXX XXXX told XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX To whom it may concern : Today is XX/XX/2023 and this is my formal written request for you to cease contact with me regarding : Account Number : XXXX I refuse to pay this debt or any other debt that you have in or associated with my name. So PLEASE STOP CALLING ME, OR SENDING ME LETTERS! 
Once again! I am informing you to cease all contact with me or anyone else about this claimed debt. 
Accordingly, under 15 U.S.C. Sec. 1692c, this is my formal notice that I REFUSE TO PAY and for you to CEASE all further communications with me. 
Sincerely XXXX XXXX
Product: Prepaid card

I lost my card and the operater told me the replacement card would be 5-7 business days and today the XXXX of XXXX is XXXX business days. Now this has lead up to having to borrow money from people and the shame that comes with not having access to money is unexplainable. If the card is coming in the mail do not say it's going to be 5-7 business days if it's going to take 10-14 days just let people know thank you.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Debt collection

Debt collection company has submitted/ started garnishment of my wages. " {$19000.00} + {$3.00} daily interest + {$35.00} sheriff fee + {$12.00} disbursement fee '' for a charge on a XXXX credit card. 
Stated on garnishment order that I was served at address which I lived XXXX  years ago. I have been a victim of identity theft. Every year when I filed my federal taxes ... The IRS sent me a secret code to file. I have lived in XXXX, XXXX, and XXXX  since XXXX. I'm presently a resident of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested to update the inaccurate account which another credit reporting agency found to be inaccurate and had already repaired. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update or correct the account from my file. 
XXXX  XXXX XXXX Balance : {$0.00}
Product: Debt collection

I am reporting XXXX fraudulent accounts on my credit report, XXXX from XXXX XXXX XXXX XXXXXXXX and the other from Sunrise Credit Services collection company, with an amount of {$450.00}. I have no knowledge of these accounts and did not authorize or open any accounts with either company. I believe these accounts are the result of identity theft or a reporting error. I have filed a Fraud Report with the FTC and requested that XXXX remove these accounts from my credit report. I am seeking assistance from the CFPB to resolve this matter and ensure these fraudulent accounts are removed.
Product: Credit card or prepaid card

I was given a prepaid Netspend debit card as a gift. I have never been able to activate or use the card but have been told my balance is now less because of inactivity fees. They are literally stealing my money from me. When I call customer service, they just keep me going in circles with the automated activation system which then sends me to a representative and then starts again.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of certain fraudulent accounts that are currently present on my credit report. I have identified these accounts as fraudulent, and I kindly request that you investigate the matter and take appropriate action to remove them from my credit history. 
Account Information : XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I would appreciate your prompt response to this matter, acknowledging the receipt of this letter and providing an estimated timeframe for the completion of your investigation.