23daVinci/CFPB_Complaints huggingface dataset:
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 : Account Name : 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 15 U.S.C. 1681 Section 602 ( a ) states I have a right to privacy. 

Furthermore, 15 U.S.C. 1681 Section 604 ( a ) states that a consumer reporting agency can not furnish an account without my, the consumers, written instructions. 

15 U.S.C. 1681c-2 ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of adverse 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 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I opened an account with Fortiva-XXXX XXXX XXXX XXXX24 for XXXX with fees the total was XXXX. My monthly payment is XXXX. 
XXXX XXXX, 2024, I called customer service to pay my bill. I was advised I was late and would need to pay XXXX, which I did. I was advised this amount included a late fee. On that phone call, I asked to have the payment date moved because my SS check comes on the XXXX of each month. Understand, I did not suggest the amount of XXXX, the customer service rep said since my payment was late, the amount was XXXX. 
In XXXX when I called Fortiva to pay my bill. I was advised to pay XXXX, when my actual payment is XXXX. I was advised they would not change the date because I was a XXXX short for the XXXX payment, How can this be, THEIR representative provided my with the amount to pay in XXXX. 
My check will always be the XXXX. I live check to check I can not continue to pay an additional XXXX each month. I have requested repeatedly now to have the date change. They refuse. When I called to make the XXXX payment once again they are charging an addition XXXX Now they say here is an offer I pay XXXX. This includes the late charges which should not have happened.
Product: Credit reporting or other personal consumer reports

This is my correct information below ; My name is : XXXX XXXX XXXX - that is the correct spelling of my name. 

The addresses on all three credit bureaus are incorrect ; My current addresses are : XXXX XXXX XXXX, XXXX, De XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX My previous addresses : XXXX XXXX XXXX XXXX XXXX, NJ XXXX My telephone number is : XXXX My current employment is : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, MD XXXX XXXX My former employment : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a National credit system Account # XXXX Date opened XX/XX/XXXX Bal. {$4100.00}, XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX Date opened XX/XX/XXXX Bal. {$2700.00}, XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Bal. {$940.00} XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Bal. {$930.00}, XXXX & XXXX Account # XXXX Date opened XX/XX/XXXX Bal. {$350.00} XXXX XXXX XXXX XXXX, XXXX Account # XXXX Date opened XX/XX/XXXX XXXX {$310.00}, XXXX XXXX XXXXXXXX Account # XXXX Date Opened XX/XX/XXXX Bal. {$270.00}, XXXX XXXX XXXX XXXX Account XXXX XXXX Date opened XX/XX/XXXX Bal. {$140.00}, key bank na Account # XXXX Date opened XX/XX/XXXX Bal. {$48.00}, XXXX Account # XXXX Date opened XX/XX/XXXX Bal. {$0.00} Inquiries : Discover financial ser.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

1. Why does Citibank restrict my login? 2. Request Citibank to unlock my account so that I can use my own funds. My name is XXXX XXXX and my account ending number is XXXX Citibank was restricted, my mobile phone screen told me that my bank information was wrong or I changed my card, but I did not change my card. Today, I communicated with the bank about this matter, and they told me that I could not use the extended bank account several days ago, and the bank withheld my funds for XXXX to 60 days without any email notification. I have been using my account normally, I have not done anything illegal, and the funds deposited in the account are deposited by myself, another bank or the company. My last deposit of XXXX dollars was also transferred through my other bank. I asked the customer service of the bank what the reason was, but the customer service did not tell me directly, but just said that I could not use any account of Citibank anymore, which violated the consumer protection law of the United States. I hope Citibank should correct its mistake, restore my account and give me a reasonable explanation. If I do not do so, I will reserve all rights to legal action for infringement of my rights.
Product: Credit card or prepaid card

Back in XXXX I booked some international flights using the rewards points I acquired from my Chase credit card. There was an additional {$180.00} required to buy the flights. Everything was paid for, in full, by me. The airline cancelled the flights due to COVID-19 and around mid-XXXX  I requested a full refund from the airline. As per federal law, on about XXXX XX/XX/24 the airline accepted the request and refunded my credit card. Chase received the funds and refunded me the rewards points portion, but has told me it needs two full billing cycles to refund the cash portion. As far as I can research there is nothing in writing anywhere that they are authorized to do this.
Product: Vehicle loan or lease

Problem : Offending company : Bridgecrest my mother Missed two car payments consecutively, instead of her just letting make up the payments, Bridgecrest ( https : //www.bridgecrest.com/ ) wouldnt let her pay the payments, then said she had to pay up the whole loan of {$19000.00} or they would come and take the car, and they wouldnt let her pay the overdue payments. Then they took the car and sold it off at auction. This was a cruel and unusual action that was not justifiable with only two missing payments, she had paid off a fifth of the loan already which is proof she was capable of paying the full loan, she makes over $ XXXX a year and we were left stranded without a car. 

The reason i think this is illegal and immoral is because of ( 1 ) the fact 1/5 of the loan had already been paid off, which makes it highly suspiscious for a company to jump the gun on reposession so quickly. And ( 2 ) because they would not allow her to pay the missing payments, forcing her to pay the full amount which is outrageous. 

My mother now has another car that she purchased at a more reputable dealership. 

You can also see similar complaints online here : https : XXXX How many payments she had made : 16 How much the payment was per month : {$350.00} The full loan : roughly {$25000.00}
Product: Credit reporting or other personal consumer reports

EXPERIAN, XXXX, and XXXX. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 168In and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681 ( a ) ( 7 ). Please be advised that under 15 USC1681 ( 5 ) ( A ) of the FCRA- you are required to ". ..promptly DELETE all information which can not be verified. '' 1. ENHANCED RECOVERY COLLECTIONS, has violated my rights according to FCRA, listed above. Under federal laws, you have thirty ( 30 ) days to complete your re-investigation.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request : XXXX XX/XX/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 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 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: Credit card or prepaid card

I tried to set up direct deposit with the way to go card and was told on the website that the transaction is suspended due to fraud on the card and to call customer service. When I called customer service the lady said I have to set up direct deposit thru the ivr I told her that does not sound right and also questioned her about the fraud message she keep repeating the set it up thru the IVR. I asked to speak to a supervisor she hung up on me when I called back. Someone answered and they never said anything just silent. I can only call this company so many times a month without being charged for calling customer service and the reps are playing on the phone hanging up and not saying anything when I call back. I just need to set up the direct deposit. The customer service is truly bad.
Product: Credit card

I contacted Synchrony and told them this is not my account. The were to do an investigation. They say it is my account but it is not. At first the account had a Georgia address. The just changed the address to my current address.I called and filled out paper work and I explain that it was not my account. They then change account number. I never apply for the XXXX XXXX. I do not have their card. We are getting no where with their investigations. The card was opened some time in XXXX. The balance is over $ XXXX.
Product: Credit reporting or other personal consumer reports

I am seeking your assistance with the false account listed on my credit report. This issue has harmed my reputation as a customer, and I need your help. These accounts should be removed as they are being reported incorrectly and negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is on my credit and its not mine. I requested that they remove it from my credit. I asked them to verify a signature and I did not receive a response from them. It has been removed from other credit reporting agencies. But equifax is still reporting it.
Product: Debt collection

Over XXXX dollars I never had a license at that time I never had no car or anything I dont have a title or anything i dont even know where this car came from
Product: Credit reporting or other personal consumer reports

Stop reporting fake false wrong info on my credit reports. Debt is NOT paid off. There is no proof. There is no payoff letter or statement. I asked for a payoff letter on my loan portal. But XXXX has not provided a payoff document. Even my payoff request says its still a debt held by XXXX until they get the money. No money was ever transferred for this contract. XXXX reports a fake false wrong XXXX balance because the debt is not paid yet. Please stop reporting fake false lies on my credit file. U r doing it to hurt me and its working. I beg u to stop.
Product: Credit reporting or other personal consumer reports

YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 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 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.

1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.

2. What is a FCRA violation?

Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number.

Agencies fail to follow guidelines for handling disputes.

3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.Receive notification if information in my file has been used against me in applying for credit or other transactions. Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. 
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).

I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Student loan

Throughout the loan process with Fedloans and the PSLF program, I was never made aware that in school deferments would not count toward our payment count for the 120 needed. Even though payments were made, I am not receiving credit for those payments. After surveying thousands through online public forums, the same issue affects them as well. These payments need to count.
Product: Credit reporting, credit repair services, or other personal consumer reports

checking annual credit reports. Equifax has a negative report ( of {$76.00} ) submitted by XXXX from XXXX. However, XXXX & XXXX do n't have this negative report. 
Went to website https : //www.ai.equifax.com to try to submit a dispute claim. However, the website *does not work*. ( using XXXX on a XXXX XXXX computer ) I 'm stuck & not sure what do to at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of information and inquiries was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information and inquiries listed below : INACCURATE NAME : XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, KY XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! TRANSUNION, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND XXXX XXXX XXXX XXXX XXXX 

I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! 

I have also made a request to the student forgiveness department on the student aid website to remove this from the account anyways as it is under {$10000.00} and has the same guidelines that fit the criteria. 

I am reaching out and trying to be as polite as possible for you to take the account off of the attached SSN. ALSO SOME OF THESE ACCOUNTS DO NOT EXIST ON OTHER CREDIT PROFILES! There are different account holders for each account on XXXX, XXXX AND TRANSUNION! 

( XXXX XXXX XXXX ) Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the TRANSUNION, XXXX, and XXXX credit report isn't accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in regards to my XXXX XXXX account that is reporting on all 3 credit reports as acct that is potentially negative. I have disputed this several times. I received a phone call from XXXX XXXX  last Wednesday asking for a return phone call. I tried to return her call several times but was unsuccessful. Tonight I called again and just spoke to a different rep and asked him to see if there are any notes on my accounts. I have 2 XXXX XXXX cards. The gentleman explained the reason for the call was to advise me they have corrected the late payment showing from back in XX/XX/2015 and have notified all 3 credit reporting agencys to update my report and put this account showing as no late payments and to have it show under accounts that are satisfactory. The woman who had first contacted me was XXXX  XXXX  PIN number to get to speak to a rep is XXXX. I am submitting this complaint because I do not trust XXXX credit reporting company to comply and follow what XXXX XXXX is telling them to do. I have had major problems with XXXX  in fixing my credit report to show correctly.
Product: Credit card or prepaid card

I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault. This situation is causing me a great deal of XXXX, and I kindly request that you address it promptly.
Product: Mortgage

Specialized Loan Servicing was acquired by Shellpoint a division of newrez on XX/XX/year>. I was advised of the change and that my loan number would remain the same and that I would receive new checks with routing and account numbers withing 15 days. This did not happen. I called Shellpoint sometime after XX/XX/year> as I did not see any record of a direct deposit which should have occurred on XX/XX/year> for {$4800.00} from my employer. I have had my pay checks paid to Specialized Loan Servicing for years without issue. I have made numerous calls and have been told they see no records in this amount. I have asked that they check the old routing numbers which I have provided and have been told that they have no visibility to that information. My company has not had the paycheck rejected and so they are unwilling to issue another check. I have sent an email on XX/XX/year> to XXXX as per instructed and included a copy of the pay check information with no follow up even after I sent a second email on XX/XX/year> asking for a status update. I was also instructed by Shellpoint to call Specialized Loan Servicing to inquire about my paycheck but Shellpoint has taken over their phone numbers so Shellpoint answers all the calls.
Product: Credit card

I setup an automatic pay for my Target credit card starting in XXXX. I was not aware that the payment was not made until XXXX when I received an alert from XXXX XXXX that there was a change in my credit due to a derogatory remark. Target did not attempt to call me, send me an email about a past due amount or send me a letter of the delinquency. I am setup for email alerts and was not notified of any past due. I have never requested to not be contacted. I only received my regular electronic statement letter which did not indicate there was an issue in the subject, it looked like any other regular statement notification I received with Target. I would have not known that the payment was not coming out until I was notified by XXXX XXXX there was an issue with my credit report. As soon as I saw the XXXX XXXX report, I paid in full. I called target but they said they could not help with any credit reporting. My account reflected the derogatory remark for the month of XXXX and XXXX even though the account was paid in full in XXXX. I think it is unfair for a consumer to never be notified of a delinquent amount or have their credit reported if there was no actual attempt to collect a debt. And if they are allowed to report the credit without attempting to collect debt, why was my account negatively reflected for XXXX and not showing paid off? Target customer service could not help or answer these questions. They said I should reach out to a credit bureau.