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

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

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




XXXX XXXX XXXX ( Original Creditor : 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 ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.

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: Payday loan, title loan, or personal loan

XX/XX/XXXX met with XXXX XXXX XXXX Rep XXXX XXXX to wrap up my contract on solar panels. When the contract was signed I was told that the loan from what is now Goodleap would not start until the project was complete. In XXXX of XXXX I received a call from XXXX XXXX XXXX Customer Service wanting to do a final walk through so they could get paid, I told them at that time the project wasn't complete and never agreed it was. Although I told them the project wasn't complete my payments began, I was told by XXXX XXXX XXXX that they would cover my payments until the project was complete, as of today the project is still not complete and XXXX XXXX XXXX has never paid a XXXX. I told the Goodleap representative on numerous occasions that the project was not compete and that I should not be making payment according to my contract, she told me that wasn't their fault. {$91000.00} was them amount of the loan for a product that still doesn't perform as we were told it would by XXXX XXXX XXXX XXXX Representative XXXX XXXX. I have hundreds of emails, text and documentation to back up all the issues we've had. Part of the contract was that a bulk payment of over {$20000.00} would be paid by a federal government refund for getting the solar panels according to XXXX, I told him over and over again we had not tax liability and that we would not receive this but he insisted that we would. This month XX/XX/XXXX my payment will got from {$320.00} to {$440.00} and I still have an electric bill to pay. These panels were suppose to XXXX out my electric bill according to XXXX XXXX but hasn't even come close. After the payments started could no longer get in touch with XXXX XXXX quit answering my calls and text. Filed with XXXX and XXXX XXXX from XXXX XXXX XXXX was assigned to my case. My last contact with her in XX/XX/XXXX was that the company was going to reimburse me for all damages to my home, all payments that had been made on the loan and add more panels to correct the problem. Now the are out of business so I have a product that doesn't perform as we were promised it would and they also replaced my roof and this week I discovered a leak which I will now have to deal with, suppose to be under warranty with them?
Product: Bank account or service

On XXXX XXXX, 2016 I deposited {$1200.00} in cash into an ATM and received a receipt stating that I only deposited {$21.00}. This occurred at approximately XXXX pm at XXXX XXXX XXXX XXXX, Texas. After speaking with several Chase representatives who have misguided me, misinformed me, and have behaved coldly and disrespectfully to a loyal customer, my account has yet to be corrected. 

XXXX dollar bills ( {$400.00} ), XXXX XXXX dollar bills ( {$800.00} ), and XXXX XXXX dollar bill ( {$1.00} ) were deposited into a Chase ATM. After depositing my cash the receipt returned via the machine read that I had deposited only {$21.00}. I immediately called customer service. After being told by a Chase representative that the correct funds would be placed in my account within 24-48hrs, I then asked if it was okay for me to leave the ATM location and was told yes. 

On XXXX XXXX, 2016 I received my " credit '' of {$1100.00}. Without prior warning or notice, on XXXX XXXX, 2016 Chase proceeded to withdraw the {$1100.00} from my account. 

This erroneous debit of funds has caused my Chase account to be overdrawn by the amount of $ XXXX. I called customer service promptly at XXXX to resolve the issue. A large sum of money has essentially been taken from me without explanation, remedy, or even the most basic level of customer service offered. 

I have spoken with not XXXX, but XXXX, supposed high-level employees who have screamed at me, yelled at me, and have accused me of threatening to sue. Something that has never been and continues not to be an intention of mine. The customer service I have received at Chase bank is absolutely unacceptable. 

Throughout this process I have proven myself a loyal and trustworthy customer. When {$1100.00} was initially returned to me, I could have withdrawn the money and closed my account if I had ill intentions. I did not. I have responded immediately at every stage of this process to get it resolved and yet despite having done nothing wrong I have been treated extremely poorly and now have the additional stress of a negative account balance. I deposited {$1100.00} and I ask that {$1100.00} be added to my bank account. Nothing more and nothing less. 

The lack of empathy and simple, " there is nothing else we can do you have exhausted all of your options '' explanation is unacceptable. I know that this is not an isolated incident as there are various reports of ATM machines miscounting money, which is what I assume occurred in this case as well. 

I am a responsible, upstanding, and honest person. I have been a customer of Chase Bank for years and I am NOT a thief ; nor am I mistaken about the cash I deposited. I do not have the resources in my life to cover me when my bank mistakenly takes {$1200.00} from me. 

I was even asked by a banker why I decided to deposit cash and why I chose such a late hour. Im a full-time employee and full-time student!
Product: Debt collection

A debt collector named Love, Beal & Nixon recently was sold my debt by another creditor XXXX XXXX XXXX. The original company that this is through is XXXX XXXX  which in the contract states Binding Arbitration however this new debt collector is trying to take me to court even with knowledge of the agreement! I have also already begun payments! Arbitration agreement is on page 7 of 12 of attached documentation that I have already shared with these debt collectors.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and this collection from a company I do not recognize, and I have not authorized this collection account.
Product: Credit card or prepaid card

I have a Citibank credit card. It stopped working without any warning on XX/XX/2020, which caused my wife and I social embarrassment when the card would not process at multiple merchants. 

I called Citibank to find out the problem and they refused to tell me what specific transaction is causing the potential fraud problem or why the bank stopped all access to my card. Instead, the representative stated that they can not speak to me about the issue without verifying who I am. Then, they asked for " verification purposes '' to speak with my employer. 

I do not understand what speaking with my employer has to do with authenticating the person who is calling. This appears to be an attempt by Citibank to stop lending to people until they can reconfirm employment, because they are afraid of loan losses during the Coronavirus pandemic. I don't know if that's even legal for the bank to do to an existing long-term customer who always pays their bills on time. This appears very shady.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an issue with XXXX opening XXXX accounts in my name they have both been removed and then they put them back. 
Recently they sold the accounts to another collection company was never authorized. 
A credit card that was XXXX now showing XXXX XXXX and the XXXX XXXX that was XXXX XXXX now over XXXX XXXX. My credit was never that high to begin with. 
I have made several attempts to remove it and they take it off and put it back on again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

dates from XXXX XXXX XXXX TO XXXX XXXX XXXX EQUIFAX AND XXXX CREDIT BUREAU OVER THESE MONTHS I HAVE DISPUTED FOR ACCURACY AND VERIFICATION AND VALIDATION OF PUBLIC RECORDS, NEGATIVE ACCOUNTS AND INQURIES THAT WAS UNAUTHORIZED. NOT ONLY DID I DISPUTE THESE ITEMS BUT I REQUESTED FOR THE METHOD OF INVESTIGATION AND I REQUESTED FOR CERTAIN ACCOUNTS TO BE CHECK FOR ACCURACY AND IF THEY WAS, TO PLEASE UPDATED THEM IN MY CREDIT REPORT AND TO EXPLAIN HOW THEY WERE VERIFIED. OVER 3 SEPERATE DISPUTES I REQUESTED THE SAME REQUEST AND THEY NEVER DID. WHICH IS A VIOLATION OF THE FCRA.. THEREFORE THE ARE OVER THE 30 DAYS DISPUTE ON EVERY DISPUTE I FILE. I ALSO FILE DISPUTE FOR INQURIES AND THEY NEVER DISPUTED THEM. WHICH IS A VIOLATION OF THE FCRA.. THEY ARE ALSO OVER THE 30 DAYS. EQUIFAX HAVES DISPUTES THAT I SENT THEM, THAT THEY NEVER DISPUTED AND THEY ARE NOT FRIVOUS DISPUTES I AM REQUSTING THAT THEY DELETE AL THE NEGATIVE ITEMS THAT DISPUTE FOR NOT VERIFYING THEM WITHIN THE 30 DAYS, OR I WILL FILE COURT INJUNCTIONS AND CIVIL SUITS AND MORE COMPLAINTS. ALSO COMPLAINTS ITH THE ATTORNEY GENERAL. THESE ARE THE ACCOUNTS THAT MUST BE DELTED. THEY ARE ALSO INVOLVE IN FRAUD 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX PUBLIC RECORDS 1. TX BANKRUPTCY XXXX 2. TX BANKRUPTCY XXXX 3. MO BANKRUPTCY XXXX INQUIRIES ARE THE INQURIES THAT I DISPUTED. I ALSO REQUESTED A FREEZE ON THESE CREDIT REPORTS AND SOMEONE IS STILL GETTING INQUIRIES FROM MY CREDIT REPORT AND THEY JUST DONT CARE. THESE COMPLAINTS THAT I AM FILING IS VERY TIME COSUMING BUT IF THEY CONTINUE TO WASTE MY TIME, THEN THEY WILL PAY WITH LAW SUITS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a total of 4 letters to XXXX, XXXX  and Experian regarding student loans on my credit report. The companies listed above have violated my rights under the the FCRA and CARES ACT.

1. I sent letters disputing the student loan accounts on the following  dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 None of my disputes to these accounts have been noted and added to the comment section of my report. This is a violation of section 623 of the FCRA. 2. Per the CARES ACT H.R. 748 ( 116 ) borrowers of Federal student loans were granted a six-month pause on their payments and they were to be listed as on time payments, but the bureaus have 120 day late payments and charge off listed for the months of   XXXX until XXXX of 2020. 


3. The bureaus have different dates listed for the date of last activity, how can this be possible when they are coming from the same data furnisher? This is also a violation.

I have attached proof of my previous correspondence AS WELL AS PROOF OF THE INCONSISTENCIES ' ; BEING REPORTED BELOW.
Product: Mortgage

We want to have a full loss mitigation modification application submitted and reviewed. SPS offer charges us interest on interest and balloon payments and are using incomplete financial information Please reference the cfpb complaint document submitted XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and severity of not taking my situation seriously. It has cause financial injury and defamation of character along with 43 plus days of no response.
Product: Student loan

I went to XXXX school at XXXX beginning XX/XX/XXXX. I worked hard, went to school summers, and graduated in XXXX of XXXX. I borrowed student loans to pay for my education. The university made it seem like they were giving money away. BUT, I signed the papers and borrowed the money. I borrowed about {$26000.00} for each year I attended. My student loan debt was well below {$100000.00} when I graduated. Once I graduated, I could not find employment, and worked in other jobs. I found paying off my loans to be very difficult. The loan servicing company was constantly telling me to defer or forebear. No one ever told me that I wouldn't get a job, and that the interest would continue to accrue to unimaginable amounts. I at {$30000.00} more now than I did when I graduated from XXXX school, after 25 years of on and off payments. I have been paying this debt off for he last 24 years, and my current balance is {$120000.00}. This seems egregious to me. I feel that my servicer was constantly just putting me into forbearance. No one would ever lower my payment to something affordable. This seems just blatantly wrong to me. This is as bad as what XXXX did to their borrowers. I need help. I am a public school teacher, everything has gotten so expensive, and prices are going up and up, but my paycheck doesn't increase, and now I can't even get a forbearance because I have exhausted all options. How do you exhaust all options unless? I have paid at least {$50000.00} of this debt, but my debt keeps growing. This should be illegal.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act ( XXXX Account # XXXX ) ( XXXX  XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX  Account # XXXX ) ( XXXX  Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX XXXX Account # XXXX ) has violated my rights! Also i was never late on any of these accounts ( XXXX XXXX Account # XXXX ) ( XXXX  XXXX  Account # XXXX ) and feel my rights are being taken advantage of 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!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, 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 ;
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX Account number XXXX, Account number 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 an account without my written instructions
Product: Payday loan, title loan, or personal loan

I had applied for credit with XXXX under their " XXXX XXXX XXXX  '' program which offered me a line of credit through Citizens One. The understanding was the credit was offered due to product which was currently in stock and available. I went through the full approval process, which included a hit on my credit report and received confirmation that the credit was approved and my order was processing. After 10 days of no communication, I received a generic message letting me know that my order will not be fulfilled because there was not enough stock to fulfill the order. This left me with an unusable credit line, a hit on my credit report and not product that was implied to have been in stock and available. The retailer this was with was XXXX.
Product: Debt collection

XXXX XXXX, who was claiming to be with the Office of Investigations Fraud Department called my daughter and told her if I did not contact them within XXXX hours they would be forced to file charges on the complaint and would be sending officers out to my home to arrest me and " make a scene ''. I called them back and found out it was regarding an old payday loan from Ace Cash Express. They told me that I had until XXXX to pay them ( but would n't tell me " who '' I needed to pay and they refused to give me contact information until I was ready to make a payment ) {$480.00} and that they had waived the {$5000.00} in fees. When I called back again to ask for verification of debt because I was n't paying them without a formal notice, XXXX told me that I could only pay in cash or debit card and that if I did n't pay today then I would be going to jail for 45 days and would lose my XXXX.
Product: Credit reporting

I have contacted Equifax several times, both in writing and by phone, to ask them to correct the personal information they have on file for me. ( Equifax has me with a " XXXX '' at the end of my name, and I am not a " XXXX ''. ) I have sent them proof of my identity and proof of my address several times and I keep receiving the same response stating that what they have on file for me does n't match the information they have. So when I call to try to update my information by phone their representatives tell me that they ca n't help me. I 'm not sure what else I can do but I really need Equifax to update my information and send me the results of the last XXXX disputes I sent to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was charging fees that i disputed and if reversed would have settle my account. Instead, they reported me to the credit bureau while accounts were in dispute and refuse to correct that information. I am asking that the adverse reporting be removed from my credit reports. They have since refunded the amounts in dispute but that alone has not been accepted by the credit bureau. When i dispute the reporting and submit the checksa nd documentation supporting the dispute I am directed back to XXXX XXXX for correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letterb to all three credit bureaus and the XXXX XXXX XXXX. 
Date : XX/XX/XXXX XXXX  XXXX XXXX Assistance XXXX XXXX. XXXX, XXXX, Texas XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to XXXX XXXX XXXX XXXX, Michigan XXXX Please update my name to : XXXX XXXX XXXX only, I was a victim of identity theft with other names My only social security number us XXXX My only and correct date of birth is XX/XX/XXXX My only employer is XXXX XXXX XXXX XXXX of XXXX  I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U. S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, Name : Ms. XXXX XXXX XXXX XXXX Driver License, SSN Card Proof of Residence
Product: Checking or savings account

On XX/XX/XXXX, I called the bank told the teller that someone was taking money out of my account and I did not want it, please dont allow it, she said I c it, its still pining, I said ok stop it dont give it to them, she said as long as its pining I cant do anything, it has to complete, I said but I dont want them to have my money, once it completes they will have my money, she said once its completed u can put in a dispute, I did, 9 days later they put my money back, after 3 months, i go in my account and they had took all my money and said I was overdraft, {$4900.00} was the amount that had been taken at first, they denied my dispute, {$2100.00} was taken by the bank cause thats all I had and they called it a overdraft for the balance, they r saying I overdraft the money, thats not what happened, now saying I have XXXX more in overdraft, thats not what happened
Product: Mortgage

This is my second complaint on this company on the same issue. 

I have called this loan servicer, Select Portfolio Servicing Inc to apply {$330.00} that I pay monthly towards principal. I asked that they leave a note in my account so that their accounts receivable department will see it and act accordingly. They refused and continue to give the same excuse that my payment was through bill pay. I complained to CFPB. They went back and adjusted my payment instead of leaving it in unapplied account that doesn't yield any interest that time. 

I just received my statement and again, it's showing {$990.00} in unapplied account. Non interest yielding unapplied account ( That's three months worth of {$330.00} ). Even though I pay them 4.87500 % interest. I called again and asked why can't they follow simple instruction. They gave me the same excuse. I had a loan that I paid off with them in the past and they were able to do what I've been asking them in one phone call with that loan. Why it's so difficult for them to do now is beyond me and continue to cost me money.
Product: Student loan

I have Federal Direct Student Loans. When the limited waiver was announced for loan forgiveness, I phoned FedLoan Servicing on XX/XX/XXXX and spoke to XXXX to ask about consolidating all of my direct loans into one loan - as I understood was a requirement in the PSLF Limited Waiver guidance. I was informed by XXXX at FedLoan ID XXXX that since all my loans were direct, I did not need to consolidate. I did additional research and learned that when you consolidate, the limited waiver would look at your highest payment count and you would receive forgiveness if you met the 120 qualifying payments and eligible employment. I phoned FedLoan several more times, XX/XX/XXXX and spoke to XXXX, XX/XX/XXXX and spoke to XXXX and phoned again on XX/XX/XXXX and spoke to XXXX again. I continued to ask for clarification about consolidating. Each time I was informed that I did not have to consolidate because all of my loans were direct. On XX/XX/XXXX I was partially forgiven under the waiver for loans that met the 120 payments. If I had consolidated all of my loans when I first called FedLoan in XXXX, I would have received full forgiveness because the 120 payments would have been met by the waiver applying the highest payment count. I was misinformed each time I phoned FedLoan. I phoned again on XX/XX/XXXX and spoke to XXXX ID XXXX and she confirmed that they were all a little confused about the waiver rules but confirmed that I was partially forgiven. After much discussion about the waiver rules and reading the guidance together she agreed that if I had consolidated I would have received full forgiveness.