23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

was never late on my student loan. I was granted a forbearance in the process of the forbearance approval. My student loan was reported late. I feel this is unfair and deceptive and against FCRA section 609. The information was not verified and the provider never submitted verification of the late payment when I disputed the inaccurate reporting with FedLoan Student Loan services.
Product: Checking or savings account

Unable to attain information regarding two of the three accounts which is listed on my Bank statements one of which has been confirmed by the Social Security Administration the Other two listed as XXXX XXXX XXXX  with different Account Numbers which I have reason to believe may have something to to with Former Employment one which always end in XXXX and the other XXXX
Product: Credit reporting or other personal consumer reports

Equifax Headquarters XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX Dear sir, I have received a letter from your company office, Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Since this letter indicates that this office lost the customers credit file and is asking the customer to provide the personal information for further assistance ; however, I have never asked any credit report companies further assistance which need the credit file as a reference. Anyway, I believe I just have sent a letter from me to notify Equifax headquarters that I have already provided the necessary information, the copies of social security card and drivers license. Unfortunately, I do not have XXXX XXXX Only. The copy of my drivers license must have my address, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, not any other addresses wherever, most likely, not recognizable for me. Unfortunately, my old and private-use printer do not have the function to print out enlarge ; therefore, I can not answer your request to submit legible document since I do not what is going on. The address of XXXX branch is mentioned above. I decline to send my personal information both branches, since I can not believe why one letter indicates two addresses. The another which was listed in the letter another address in XXXX, Equifax Information Services LLC, XXXX XXXX XXXX, XXXX, GA XXXX. Since I can not understand why one official letter contains two addresses, I ask the clear explanation ; why your document has two addresses? 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting duplicate creditor files under different names same account numbers. I have written to both creditor and has disputed this 30 days ago. There are multiple accounts. XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX. These are charge office that are reporting a balance updates on XX/XX/20 and XX/XX/20. As well as XXXX and XXXX XXXX XXXX duplicate reporting and are charge offs with a balance update on XX/XX/20 and XX/XX/20.
Product: Credit reporting or other personal consumer reports

Hello CFPB, 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 and 1682 : XXXXXXXX XXXX XXXX XXXX  XXXX Account # ending in XXXX and account # XXXX has violated my Rights. 

XXXXXXXX XXXX Account # ending in XXXX and account # XXXX has violated my Rights. 

XXXX XXXXXXXX XXXX XXXXXXXX Account # ending in XXXX and account # XXXX has violated my Rights. 

XXXX Account # ending in XXXX and Account # XXXX has violated my Rights. 

XXXX XXXX XXXX Account # Ending in XXXX and account # XXXX has violated my Rights. 

XXXX XXXX XXXX XXXX Account # XXXX 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 602 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 6802 I DID NOT receive the required opt-out notice at the time I created the account that is being reported.

Thankyou for your attention to this matter!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with BANK OF AMERICA. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX   and BANK OF AMERICA with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine but is reflecting on my credit reports. 

XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/2018 Amount : {$25000.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCOUNT # XXXX, Dept of EdXXXX XXXX  XXXX XXXX, Dept of Ed/XXXX XXXX # XXXX XXXX Dept of Ed/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 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
Product: Credit reporting or other personal consumer reports

ACCOUNT # XXXX Lettin you know Im disputin that debt under the Fair Debt Collection Practices Act This aint me askin for more proof or docs just tellin you Im not agreein with it Only way to contact me is through email Monday to Friday XXXX to XXXX east coast time Dont send no USPS XXXX XXXX or XXXX XXXX and skip the phone calls Its just a hassle Appreciate you keepin it cool
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX and XXXX XXXX XXXX reference # XXXX 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

Last XX/XX/2022, PayPal decided to banned my account suddenly. I have pending amount that currently on hold that time which is I understand due to their seller and buyer protection. I comply all the information they are asking and never had any issue before, no chargebacks and dispute. I really don't know and I'm still confuse why they put a violation in my account without even giving me an option to clear it. I tried to email them but still no proper detailed explanation like which transaction had caused it. 

I attach below is the transaction history and screenshots of the violation they sent.
Product: Credit card

DISCOVER card member since XXXX. Paid off balance after about 5 years. Restarted using card thereafter. Failed to notice exact time we were receiving double charges for " purchases '' and " cash advances ''. We have never used any credit card for cash advances. Contacted DISCOVER numerous times throughout the years, received no satisfaction, only excuses. Early this year XXXX XXXX ), we were finally notified to contact their Fraud division. In telephone conversations, Discover Fraud found in our favor and sent us a letter stating so. No remedies have been applied to our account despite the letter. 
Unfortunately for us, we do not have the original account bill when/where the error first occurred. We believe it to be an encoding error that has cost us literally XXXX in interest charges. We have complained to Discover representatives on numerous occasions to no avail.
Product: Credit reporting or other personal consumer reports

i have disputed these items they were removed only to see them reappear on my credit report whats going on here XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX
Product: Credit reporting or other personal consumer reports

I have tried to put a security freeze and Clarity does not let me, it tells me that it needs more information, I attach said information to see if in this way they comply with my request and my right. My address is on my phone bill attached.
Product: Credit reporting

There is an account from  XXXX   XXXX   XXXX  appearing on my credit report and it should not be there. This was previously disputed and removed and it has now reappeared.
Product: Credit reporting or other personal consumer reports

This account and many others are not mine that are reporting I have made many attempts with different disputes. All were over looked now I had to go all the way to the extent to file a police report which is provided below to have these things removed to prove they are not mine. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer Lam demanding the deletion of the accounts listed Immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I have contacted this company at least 3 times. I have disputed this with Transunion, XXXX several times, as fraudulent. Once I called both bureaus, they keep stating is that it will remain on the credit for 2 years. Also, for the inquiry on XX/XX/XXXX, there isn't even an application per XXXX XXXX. I need these inquiries removed from my report, as they we unauthorized!
Product: Credit reporting, credit repair services, or other personal consumer reports

How many dispute letters and CFPB Complaints do I have to submit to the Credit Bureaus in order for them to remove the disputed fraudulent accounts and information completely from my Credit File? I previously sent dispute letters addressed to the Credit Reporting Agencies requesting that the Credit Bureaus remove the disputed fraudulent information that are reporting inaccurate information on my Credit file. I have read that the Credit reporting Agencies are required to report accurate information and investigate and remove any accounts reporting erroneously. I am submitting this CFPB complaint to follow up the previous CFPB complaint I submitted 15 days ago complaining and requesting the same disputes. Also, according to the FCRA, 15USC 1681i, the Credit reporting Agencies are required to finish their investigation within 30 days and send me copies of the results of investigation. However, 5 months had passed and the Credit Bureaus have failed to send me copies of documents they are required to send me and claimed that the accounts are verified. This action by the Credit Bureaus is a clear violation of a consumer 's rights. I am requesting to the Credit Bureaus to please remove the following accounts from my Credit report in accordance with the Fair Credit Reporting act section 605b : 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
Product: Credit card or prepaid card

Wells Fargo is violating the privacy of individuals sharing credit info of individuals to local businesses to file loans or credit accts on their behalf without permission of the individual. I only became aware of the issue because I had an XXXX XXXX military alert on my credit report acct.
Product: Checking or savings account

I received the following email from Wells Fargo on Saturday XX/XX/XXXX at XXXX XXXX. AFTER I had deposited a check for {$370.00} at XXXX XXXX  in person at a branch close to my home. I transferred {$330.00} of this money to a family member using WF XXXX and the transaction was approved at XXXX XXXX. At XXXX XXXX ( same day XXXX XXXX ) I received the following email from Wells Fargo. " Wells Fargo performs ongoing reviews of its account relationships in connection with the Banks responsibilities to manage risks in its banking operations. We recently reviewed your account relationship and, as a result of this review, we will be closing your above-referenced accounts because we believe that the account has been compromised or impacted by potential identity theft. The accounts are expected to close by XX/XX/XXXX. Please note that the Bank reserves the right to close the accounts sooner if circumstances arise that warrant an earlier closing. 

Withdrawals and payments have been blocked. 
You may no longer access these accounts with your debit card. 
No new transactions will be authorized. However, we must pay certain transactions that are received for processing before your account is closed, even if this creates a negative balance in your account. 


... 


Sincerely, Fraud Prevention Contact Center In the phone conversation this morning XX/XX/XXXX at XXXX XXXX XXXXXXXX XXXX with the Wells Fargo Fraud department they stated that there were log ins from XXXX ( I travel to XXXX where my XXXX XXXX XXXX father lives and help with his bills using XXXX, I have used the app on his phone and they said this not allowed but they authorized that phone ( via my US phone before I ever used the app on that phone. 
My note : Wells Fargo clearly wrote off a previous incident as a scam and NOT identity theft. I reported to WF a month ago, that I was the victim of a scam due to an identity theft XXXX XXXX XXXX of a relative, and reported this to the FBI, to cfbp to the NM State Attorney. They are not returning my money until XX/XX/XXXX and say that my account is not closed but " on hold '' although I have no access to it. So to me it is closed and WF is getting interest off my money and getting back at me for reporting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to the Fair Credit Reporting 15 USC 1681 states the following : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The information shared without consent about student loans is not lawful. It is my right to privacy as a consumer pursuant to 15 USC 6801 which states : It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it customers and to protect the security and confidentiality of those customers non public information. I am the consumer. The Family Educational Rights and Privacy act ( 5 USC 552a ) is a federal law put in place in 1974 to PROTECT THE PRIVACY OF STUDENT EDUCATION RECORDS wether public or private schools. 20 USC 1232g ( b ).

XXXX XXXX XXXX  and US DEPT OF EDUCATION is to be removed immediately from all consumer reporting agencies. 
The term record means any item, collection or grouping of information about an individual that is maintained by an agency, including but not limited to, his EDUCATION, FINANCIAL TRANSACTIONS, MEDICAL HISTORY, criminal or employment history and that contains his name or identifying number, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortiXXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$21000.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My house was f
looded due Hurricane Harvey. I do have flood insurance and went through all the proper channels in filing a timely claim with XXXX. The house has been inspected by XXXX and they have sent a check for insurance proceeds co-endorsed to myself and the mortgage company who is PNC Mortgage.
I have filed all requisite paperwork with PNC Mortgage multiple times, every time I call them I get a new request for paperwork that has already been submitted multiple times. Regardless, PNC is refusing to release any funds until 100 % of the work is finished.
XXXX and PNC Mortgage in mid XXXXXXXXX told me to find a contractor and get an estimate and sign the contract with my chosen contractor and begin the rebuild of the house. I did just that and the contractor required some upfront costs as well as payment for work done such as sheetrock, paint, doors, trim all construction costs incurred to date.
PNC originally told me that insurance proceeds would be paid out in third inciments meaning 1/3 up front, 1/3 when the house is 50 % finished and then 1/3 when the house is 100 % finished. PNC is refusing to honor this and has yet to pay anything except a {$5000.00} advance from XXXX.
PNC is currently holding {$76000.00} of insurance proceeds. To date, I am {$69000.00} out of pocket because PNC told me that payment would follow the above installment plan. My house will not be to 100 % complete until XX/XX/XXXX backorder of workers who are to install tile and flooring. 2 months with {$0.00} will literally bankrupt me because some of the work that was completed is on credit cards.
PNC asked me to submit all invoices and checks that prove that I have paid out of pocket which I did, and continue to do as I incur costs.
I feel completely taken advantage of and steam rolled by PNC Mortgage. They have been so terrible to work with from not giving me clear instructions, to misleading payment timelines to outright lies and untruths of how they will deal with the insurance proceeds once they have received a check from insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had accounts removed XX/XX/2017 and I take a look at my report and it shows closed with a new date ( which is illegal to add to my report with a new date ) that is re-aged. Capital One XXXX has open XX/XX/2017 ( which is incorrect and illegal at the same time ) I was not notified within 5 days of the changes.
Product: Credit reporting or other personal consumer reports

I am formally disputing the accuracy of this account under the Fair Credit Reporting Act ( FCRA ) and e-OSCAR Code 106. Upon reviewing my credit report, I noticed discrepancies with the reported late payments on this account. 

Account Name : XXXX Account Number : XXXX Specifically, there are late payments reported as follows : * XXXX XXXX 30 days late * XXXX XXXX 30 days late * XXXX XXXX 30 days late * XXXX XXXX 30 days late * XXXX XXXX 60 days late * XXXX XXXX 90 days late I believe these reported late payments to be inaccurate and request that you provide concrete proof that these payments were indeed late. According to the Fair Credit Reporting Act, a late payment status can only be reported after a consumer has missed the payment due date for a period of 30 days or more. I have thoroughly reviewed my statements and made payments prior to reaching the 30-day mark, which indicates that the reported late payments are incorrect. 

Furthermore, I believe the creditor has not complied with Section 623 ( a ) ( 7 ) of the FCRA, which requires that a consumer be notified before any negative information is reported to a credit bureau. To my knowledge, I have never received such a notice from the creditor, either before or after the information was reported. Please ensure that the creditor provides proof that they sent such a notice, either by supplying a certified green return receipt or a shipping tracking number, before the conclusion of your investigation. 

I request that you confirm with the creditor that they have substantiated the reported late payments. If they can not provide the necessary evidence of the late payments, I kindly ask that my account be updated to reflect a " Paid As Agreed, Never Late '' ( PAANL ) status, in accordance with consumer protection laws. 
Thank you for your prompt attention to this matter and for ensuring that this account is properly updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 my IDR repayment through XXXX was recalculated and it stated that my new monthly payment would be {$240.00} and the first payment would be due on XX/XX/2019. I made the correct payment on XX/XX/2019 and the noticed that my credit score significantly dropped ( 77 points ). This was the explanation provided on XXXX XXXX XXXX website : " Balance increased by {$660.00}. It looks like your student loan balance went up. This could be due to a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can. 
Between XX/XX/2019 and XX/XX/2019, your XXXX XXXX student loan account balance increased by {$660.00} from {$260000.00} to {$260000.00}. '' When I called XXXX they stated that the reason my score dropped was because of unpaid interest. So far as I know, it is common practice for student loan amounts to go up even when making regular payments because of interest. However, I am not aware of any other person who has been negatively impacted by interest on their credit reports when making timely payments. The only solution they offered was for me to make an extra {$1300.00} payment every month or have my credit score continually drop. 

I am on the Revised Pay as you Earn Plan as well as the Public Service Loan Forgiveness program since I work for XXXX XXXX. I do not understand how this is not predatory lending. XXXX determined the amount I could afford each month and that is how much I pay. I should not be penalized for making timely payments that they established.