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 Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I sent letters to TransUnion XXXX XXXX the date of the last letter was on XX/XX/2021 and I have not received any response up to this date. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please delete the following accounts : ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that are still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX XXXX
Product: Student loan

I sent into XXXX XXXX loan service information of my doing Public Service as asking for public service forgiveness. I worked at the XXXX 25 years. They offered me XXXX=permanent but have not considered the Public Service that I did. I have federal loans and I have XXXX Private Loan with Navient. They messed up my credit by placing default on credit. I am XXXX and have worked for the XXXX 25 years. I talked with a lawyer for advise who was going through the same thing who told me to put in a complaint. My loan amount have gone up with sky rockingting interest rates hooked onto them. I have asked for Public Service Forgiveness and was denied. I do not want XXXX because this amount in interest will be turned over to the IRS and I would have to pay this. I want forgiveness for my time helping students in the school system. Just days ago I signed for the IBR because I really do not have any money to pay back. I am a XXXX who only wanted to better myself in school and I worked to take care of children with XXXX in the XXXX. I want forgiveness, also. I want this extra interest taken off and forgiveness given to me. I want the default taken off my credit because by me being a XXXX I might need some financial assistance if my health gets worst again. I need help. I need help.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient when transactions were authorized. I was charged fees due to lagged posting of charges and credits.This issue aligns with the current CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe the practices are unfair and requests an investigation into my account transactions.
Product: Mortgage

System prompted me to pay XXXX, I made the payment. The amount was withdrawn from my bank account and I thought it would be applied to late payments but later on in the week I get a call saying that my home was in active foreclosure. I call the company to find out why, I made the payment requested and they told me that the amount the system gave me was not up to date it should have been more. Therefore now I have to pay an additional XXXX to avoid foreclosure. 

I don't think this is far because I don't know how I would have known the amount should have adjusted on the XXXX. I paid the amount that they prompted me to pay.
Product: Debt collection

I have been receiving unsolicited phone calls from a company called Diversified Consultants that does not identify itself. They contact me using different incoming phone numbers and never leave a message. After doing reverse phone look-ups, they appear to be some kind of " Commercial Recovery, Self-Service Technology and Pro-Active Outbound '' agency. I have not received written notification via the US Postal Service or email as far as why they keep calling me. I do not owe money to anyone personally or commercially and I am not interested in self-service technology or pro-active outbound activities. One website states this company focuses on telecommunication debt. Huh? I have cell phone, landline phone, internet and TV service that has never been cut off due to unpaid bills. 

I want this company to STOP the harassing phone calls to my personal cell phone. 

Dates and times of the unwanted calls : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not able to retrieve previous phone calls from this company on my cell phone. This company will not stop calling even when I block their various incoming phone numbers.
Product: Credit reporting or other personal consumer reports

In the course of reviewing my credit report, I spotted inaccurate and fraudulent accounts that need reporting and correction through your company.
Product: Credit reporting or other personal consumer reports

This is a formal rebuttal to ChexSystems response to my original complaint. Their reply is non-responsive to the central issue : the presence of harmful or inaccurate information in my file that has directly prevented me from opening bank accounts or cashing checks. 

ChexSystems claims that they do not approve or deny accounts, but this statement evades accountability. Financial institutions rely on the information ChexSystems reports to make risk-based decisions. Therefore, ChexSystems reporting has a material effect on consumer access to financial services. 

As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to : 1.Dispute any information that is inaccurate, outdated, or unverifiable ( 15 U.S.C. 1681i ) 2.Request a full consumer disclosure including the sources and recipients of my consumer data ( 15 U.S.C. 1681g ) 3.Seek deletion of any data that can not be verified within 30 days ChexSystems response failed to : Acknowledge whether any negative or derogatory information exists in my file Confirm the source of such information or furnish evidence of its accuracy Demonstrate that any reinvestigation has been or will be conducted Provide a consumer disclosure or assist in clearing my record I have submitted a separate written dispute directly to ChexSystems as they instructed, but I request that this CFPB complaint remain open and under review until : My dispute is resolved My file is corrected and/or cleared I receive a formal response with supporting documentation Failure to investigate and resolve these concerns in compliance with federal law could warrant further legal and regulatory action. 

Thank you for your continued assistance. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022 I was checking my Citi XXXX cash credit card and noticed I had a alert. I checked the alert and it said my account has been closed. I called the company asking why my account was closed and they said they dont have that information and that I will have to write XXXXsupportunit to find out why. I emailed them and they said they will respond to me within 30 days. On XX/XX/2022 they emailed me back stating they closed the account because I was convicted of a XXXX XXXX 13 years ago. When I filled out the application no where asked about if I have any prior convictions. If they did I would of never applied. Now because they decided to do this my credit score is going to suffer. Also Im in the process of buying a house so that doesnt look good. Ive had this credit card for less than 2 months then they decided to do this to me.
Product: Debt collection

I received notification that Hewitt Capital has been contacting my place of employment. I reached out the XXXX of Hewitt Capital on XX/XX/2019 at XXXX and notified him that he could not call my place of employment, because my job forbids these types of personal calls. XXXX stated that he was aware of this. We lost communication due to my cellular phone battery dying. I received another notification from my employer that XXXX contacted my job at XXXX XXXX after I told him that my job forbids it. I charged my phone and returned XXXX 's call and I stated to him again that he could not call my place of employment again. He became offensive and stated " I don't know who you are, I don't know who you are ... are you going to verify your information '' after he pulled my file up without a file number. My place of employment forbids this and now I am at risk of losing my job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I trust this message finds you well. I am writing to address an issue related to my charged-off Discover credit card account and its erroneous reporting on my credit report. 

This particular account has been formally charged off, but it is consistently being reported as a 'charge-off ' on my credit report every month. Such monthly reporting inaccurately suggests a recurring negative event, which is not the case. 

As per the guidelines under the Fair Credit Reporting Act, a charged-off account should be reported once, not monthly. The constant reporting of the charge-off is adversely affecting my credit score, which is unjustified.

This ongoing misreporting is severely impacting my financial status and prospects for future credit opportunities. I earnestly request your intervention in rectifying this matter to ensure the accuracy of my credit report. 

Thank you for your prompt attention to this crucial issue. 

Best regards, XXXX XXXX
Product: Debt collection

I sent a validation letter to this company on XX/XX/XXXX and they have not responded or sent validation within the 30 days as of today XX/XX/XXXX
Product: Credit card or prepaid card

I booked two flight tickets on XXXX from XXXX XXXX XXXX to XXXX, XXXX ( through XXXX ) which were charged to my American Express ( AMEX ) Credit card on my statement ( {$1500.00} each or {$3100.00} combined ) dated XX/XX/XXXX ( booking code XXXX ; Tickets XXXX and XXXX ). The flights were cancelled by XXXX and notified me by email of the cancellation on XX/XX/XXXX. AMEX credited my account on XX/XX/XXXX but reversed that chargeback on XX/XX/XXXX stating that they were honoring their Merchant 's policy not to issue cash refunds for flight cancellations. I challenged the reversal by AMEX stating that it is illegal not to provide passengers with cash refunds for flight cancellations. AMEX did not relent and advised me to file the claim with XXXX which I did on XX/XX/XXXX ( XXXX, and XXXX ). XXXX denied the claim on XX/XX/XXXX stating that they are not required to provide " compensation '' for cancelled flights under XXXX. I replied on XX/XX/XXXX that I am not seeking " compensation '' ( i.e. meals, lodging, or cash for delayed flights ) but a cash refund which is mandated by XXXX ( Sections 5 ( a ) and 8 ) and and the Department of Transportation Rules ( 76 Fed. Reg. 23110-01, at 23129 ; XX/XX/XXXX ), and the Department of Aviation Enforcement rule that " refusing to refund a non-refundable fare when a flight is canceled and the passenger wishes to cancel is a violation of 49 U.S.C. 41712 ( Unfair or Deceptive Practices ) '' which subjects a carrier to  enforcement action. XXXX denied the refund claim stating that AMEX has charged them back ( I included my AMEX Statements demonstrating that statement to be false ).
Product: Credit reporting or other personal consumer reports

sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Trans Union at XXXX in good faith on multiple occasions and most recently on today X/XX/2017 @ XXXX to explain to them that I am aware that because of their computer glitch my inquiries were deleted from my credit profile and then without proper written notification were re-added to my credit report. This glitch was not my fault and was the error of Transunion. I am aware that it is against the law to re-add items that were deleted back to my credit report without informing me in writing 5 days prior to re-adding these items. This is a violation of my legal rights and legal protections and I demanded that all of the inquiries be removed from my credit reporting profile. I am hereby filing this complaint asking for the CFPB to assist me in getting this matter resolved promptly. These inquiries are causing a hardship and I am asking that Transunion remove all of them.
Product: Debt collection

I am resending my correspondence dated XX/XX/2021 since this company continues to call and leave voicemails even after sending a cease and desist. Attached please find debt validation request, cease and desist and invoice.
Product: Credit reporting or other personal consumer reports

on XXXX on XXXX  up to XX/XX/2024 i notice money was being taken out of my account causing XXXX accounts to go delinquent due to funds taken without my knowledge. it was out of my control i enclosed a copy of identity theft report and sword affidavit that i am taking the proper measures to protect myself THERE IS ONE ADDRESS LISTED WHICH I NEVER LIVED IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX PLEASE DELETE OFF MY RECORD
Product: Credit reporting or other personal consumer reports

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Companies have violated the fair credit reporting act & fair debt collection practices act, violated XXXX XXXX  & failed for 2 years to produce accurate scores, attempting to deny previous history from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all the major credit reporting companies about the accounts listed below that is fraudulent accounts. I already sent them my police report and they still have refused to remove the accounts from my credit report. 




XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : XXXX XXXX XXXX XXXX - Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$15.00} {$15.00} {$15.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$930.00} {$930.00} {$890.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$1000.00} {$1000.00} {$1000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$30.00} {$30.00} {$0.00} Payment Status : Late XXXX Days Late XXXX Days Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Fixed rate Date Last Active : XX/XX/XXXX XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Collection Collection Collection Account Type - Detail : Collection Collection Collection Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : - - - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$1300.00} {$1300.00} {$1300.00} No. of Months ( terms ) : - - - High Credit : {$1300.00} {$1300.00} {$1300.00} Credit Limit : - - - Past Due : - - - Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Placed for collection - Subject has not satisfied debt. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - -
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto lease with XXXX XXXX XXXX they are a division of the XXXX XXXX XXXX that was just found to provide inaccurate info on credit reports. I paid my lease in full, as the document I uploaded shows. When the pandemic started in XX/XX/XXXX, I called XXXX to ask what to do if everything shuts down before XX/XX/XXXX when my lease ended. They told me that as long as all my payments are made, I can bring the car back to the leasing dealer " anytime before XX/XX/XXXX without penalty '' or that I could keep the car until things open back up and continue to pay monthly payments. I opted to bring the car in on or about XX/XX/XXXX just before NY state shut down for about 18 months. In XX/XX/XXXX ( letter also uploaded ) XXXX contacted me stating that I had terminated my lease early and was being penalized. I responded ( letter uploaded ) explaining what I stated above. I thought the issue was resolved as I heard nothing else from them. In XX/XX/XXXX, I attempted to get a new mortgage and learned that XXXX has started identifying my CLOSED account as delinquent. I have attempted to dispute this with each of the 3 credit bureaus to no avail. I have written 2 letters to XXXX since discovering this credit report issue. They have not responded. I have tried to call XXXX but get hung up on after several transfers. I do not know what to do and am now in a position of them damaging my credit. I have NEVER defaulted on any payment in my life. The power that both XXXX and the credit bureaus have to dictate my credit with lies is completely unfair. I have no ability to fix this on my own and need assistance.
Product: Student loan

I submitted my application to NELNET nearly 6 weeks ago and have not gotten an update with regard to payments. They have not asked me for any information and have not updated my new payment plan on their website that I check daily. Payments are due to start next week and this is a going to make a mortgage size monthly difference. Their previous email said theyd update me every 10 days and I havent gotten an email in 19 days from them.
Product: Credit card or prepaid card

In XX/XX/XXXX Capital One sent me a promotional offer on a " XXXX XXXX '' credit card I have with them. The offer was to transfer balances for a 2 % fee, and 0 % interest for 18 months. The offer is attached hereto, and states that balances can be transferred with the enclosed 2 checks, or by going online by XX/XX/XXXX. On XX/XX/XXXX, I went online and transferred two balances, both of which were well below my XXXX XXXX card limit. One of the balance transfers in the amount of {$8000.00} from XXXX was correctly processed by Capital One. I 've attached my XXXX statement where I noted the transaction in handwritten notes at the time. However, the other balance transfer I made that day in the amount of {$3000.00} from my XXXX XXXX card was not processed correctly. Instead, the balance transfer for this amount began to accrue interest. I realized this when I received my next statement and on XX/XX/XXXX, I spent 56 minutes on the phone with Capital One and the gentleman there was very kind and apologetic and ultimately promised that the remaining portion of the {$3000.00}, which at the time was {$2800.00} after a payment was applied to it, would be correctly classified on the next statement so it would n't earn interest for 18 months and that the interest charge on my current statement of {$33.00} would be credited to me. He also said I would n't be charged the 2 % transaction fee. I attach my statement with due date XX/XX/XXXX hereto which has my handwritten notes from this conversation, made immediately after the conversation. When my next statement arrived, the interest was n't credited and more interest in the amount of {$31.00} was charged. I called Capital One again on XX/XX/XXXX and explained to " XXXX '' with agent ID of XXXX in detail that the problem had n't been corrected. She was apologetic and said she would look into it and get back to me within a few days. A week went by and she had n't called back, so I called twice more around XXXX time and was told by two different people that they would get back to me. One of these people was a woman who told me that nothing was done on XX/XX/XXXX because the person I talked to did n't include in his notes that it was the fault of Capital One and when that happens nothing gets done. She assured me that someone would get back to me within 5 business days. Noone did. I received a third statement showing that the problem still had n't been corrected, and charging me more interest of {$30.00}. I called again and told the gentleman I spoke with that at this point someone had to at least call me back within two days or I was going to complaint to the CFPB. That was about 10 days ago and noone has called me. I have included the 3 Capital One statements referenced here showing the interest on each that I should n't have been charged, and showing that this problem is still ongoing and has n't been fixed.
Product: Credit card or prepaid card

Have called daily since XXXX and only one call back. The rep on the call back told me she would have to turn me over to the legal department. This involves a purchase from wal mart grocery that was canceled and the hold amount on this card was XXXX. Wal mart has provided the transaction info showing the amount presented to capital one and capital one refuses to process the transactions from wal mart.