23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By t

he way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Name : XXXXXXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Employer : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Collecons : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX Experian Name : XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Employers XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Capital one insist on placing me with a credit card debt that does not belong to me and I have never opened. I have made several attempts to clear my name however, they have been reluctant. Im a victim of fraud and identity theft. I have seen several credit inquiries and cards I did not apply for.
Product: Debt collection

My Mortgae Servicer, Select Portfolio Servicing, has canceled my payment plan due to the fact that I asked them to explain to me exactly what the payments were going towards. I have filed a complaint in the past and they have yet to give me an accurate answer. They allowed me into a catch up plan for the debt they are trying to collect from me. The plan calls for XXXX paymwnts of XXXX each, My simple question is to let me knoow the breakdown of those payments. How much goes to principle and how much goes towards the excessive fees they have added on the years. Instead they have canceled the plan on me. 
They have a foreclosure date on my house for the XXXX XXXX. I would like for them to prove the fact that they actually have a legal right to foreclose on my house. The Mortgage was placed in a trust owned by XXXX XXXX. XXXX XXXX had been sues by the govt. over these trusts and was found guily and told to pay out a settlement to the mortgage holders involved with these trusts. I 've bought that to the attention to the folks at Select Portfolio Servicing and they seemed to know nothing about it. I would like them to investigate that issue more for me. 
I talked to their Ombudsman Dept. about the foreclosure date 4 times over 4 days. 3 of their employees told me the foreclosure date was going to be put off. On the XXXX call I ws told that it would not be put off. This si what they do, mislead you with misinformation and they make common practice of it. I 've noticed that there have been thousands of complaints about this company on the CFPB site, why is nothing being done about this, I had talked to them about working out a settlement but with the foreclosure date so close they are not allowing me the time. It seems they are bent on foreclosing on me without working through all the options. 
I have also requested in the past to see a copy of their servicing and pooling agreement with XXXX XXXX  and it has never been produced. It all makes me weary that they are trying to foreclose when they actually do not have a legal right to.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I contacted Debt Recovery Solutions on XX/XX/21 at XXXX XXXX XXXX XXXX to ask for more information regarding the negative reporting by them on my credit report. 
I asked for detail information regarding this and the information they have to be emailed to me or by mail. Provided my email and mailing address to them. 
Description of the information on credit report : Account is in collection and has a {$310.00} open balance. Account was opened on XX/XX/21 ( 4 months ). No name of the original creditor. 
I have checked my records and found that I have not open " ANY '' account on XX/XX/21 including the above mentioned.
Product: Credit card or prepaid card

Comenity bank!!! 
All I should have to say! 
Their website and phone lines have been down over a week to make payments! 

We can't make any payments and they are due! 
We are gon na be charged with a late fee!!
Product: Credit reporting or other personal consumer reports

XXXX was notified of my reported identity theft on XXXX. 
The FCRA requires credit bureaus to block reporting of information in your credit file that you allege resulted from an identity theft, within four business days after your notification to the credit bureau. 
XXXX did not remove the account and did not respond until XXXX. Stating that the account was validated. I take this as intentional taunting and willful negligence by stalling as long as they were allowed. In this closing response they stated " a results summary '' was sent to me on XXXX which I have no record of and it was not what requested, nor was the account removed after receiving the FTC identity theft report # XXXX ( Exhibit A ) listed in CFPB report # XXXX ( Exhibit D ). 

XXXX UNITED REVENUE CORPORATION was notified by mail of the request for validation pursuant to Fair Debt Collection Practices Act, 15 USC 1692g. 
UNITED REVENUE CORPORATION did not respond within the 30 days per ( Exhibit F & G ), nor did they provide validation pursuant to Fair Debt Collection Practices Act, 15 USC 1692g. 
Additionally, UNITED REVENUE CORPORATIONS is violation of the Texas Collection Agency Act ( TDCAA ) and the Texas Debt Collection Act ( TDCA ) which requires that collection agencies, debt buyers, and attorneys, who engage in the collection of consumer debts, be licensed and bonded by the Texas XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) ( Exhibit H ). 
I have done all that I can to work with these agencies to remove the fraudulent claim and I am putting these companies on notice of intent to sue.
Product: Payday loan, title loan, or personal loan

I am writing to file a complaint against OneMain Financial and its subsidiary, XXXX XXXX XXXX XXXX. When I obtained a loan from OneMain, I also purchased their XXXX insurance. Up until my second XXXX XXXX, my loan was paid ahead. The trouble started when I filed a claim on the XXXX insurance. What would seem like an easy straight forward matter, has turned into unending paperwork. My initial claim included the attached documents from the Social Security Administration as well as my XXXX. Both of these documents indicate that I am XXXX XXXX. 

XXXX XXXX has been very slow in paying on my insurance claim due to their continual request for documentation and their confusion with how the paper work was documented as well as lost faxes from my Drs office. ( the Drs office had confirmation from the receiving fax machine that the fax in fact went through ). Because XXXX XXXX and or One Main has dragged their feet and requested the same information so many times, the payments to the account have become past due for the past several months, even though I have given them the information they have requested in a timely manner. All of this has severely effected my credit report in a negative way, dropping my credit score dramatically. 

I was under the assumption that once the paperwork from my XXXX and myself was finally submitted to their satisfaction, XXXX XXXX would either completely pay the loan in whole or make regular monthly payments to satisfy the loan. 

XXXX XXXX now wants myself and my XXXX to completely resubmit the paperwork on a monthly basis in order to continue the claim. The information on the form these companies want filled out has not changed and will not ever change. 

My complaint and question is, Why? The Social Security Administration says I am XXXX XXXX. My XXXX on the XXXX XXXX form says I am XXXX XXXX. I also have a Parking Tag from the DMV indicating I am XXXX XXXX. I am never returning to work. Yes, I see my XXXX for scheduled appointments, but why do I need to waste the Dr and staffs time filling out the same paperwork. 

One of the reasons for my XXXX XXXX XXXX was Stress. I consider this redundant paperwork undue and is causing me unneeded stress. I do not want to have another XXXX XXXX because of all this.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt/late has appeared on my credit report. The loan was paid in full some time ago and was never late. I have never received any communication regarding this debt. My social security has been used with XXXX XXXX XXXX. Please understand that this late charge needs to be removed from my XXXX, XXXX and Experian reports. Reporting 30 days late with XXXX XXXX XXXX. That is the fair and honest solution.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I, XXXX XXXX, mailed XXXX XXXX a notice informing them that pursuant to the Gramm Leach Bliley Act I am exercising my right to opt out of my information being shared and I no longer wish for my nonpublic information to be shared with Equifax. On XX/XX/2023, I mailed Equifax a copy of notice that was mailed to XXXX XXXX along with a notice specifically for Equifax informing them that pursuant to the Gramm Leach Bliley Act I no longer wished for my nonpublic information to be shared. XXXX XXXX blatantly disregarded my request and did not respond to my notice. However Equifax did an alleged investigation and responded stating that the information on my consumer report was verified as accurate. A financial institution such as XXXX XXXX must respect a consumer right to privacy and cease disclosing personal nonpublic information when they receive a notice from a consumer choosing to no longer share private information. Equifax has a duty to also respect a consumer 's right to privacy. I did not send XXXX XXXX or Equifax a notice disputing an inaccuracy, however I did notify both companies that I am opting out of my NPI being shared and both companies disregarded my request by responding stating that my nonpublic information was verified as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report and to this day, over 60 days later, I have not received a response as of yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 60 days so they should be deleted promptly. 
I demand these accounts be deleted immediately or I will file for litigation due to the stress you've caused me. 
My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

On XX/XX/year> Robinhood restricted my account with amount exceeding XXXX dollars with no ability to continue using their services unable to withdraw money my account was frozen. They claimed suspicious activity requiring further documentation and verification. Banking statements, ID, photos were sent same day of restriction. Since that day they requested same information daily. It was sent daily. New Years Eve they wanted a phone call. Unfortunately I am a XXXX I work XXXX hour shifts in XXXX XXXX XXXX so Im not able to comply unless its a scheduled call. Im busy XXXX XXXX rather than trying to steal peoples hard earned money. After this scenario they state they are reviewing information and will get back to me. They said it would be first week of XXXX then instead of responding they change the date daily. They state I will get a reply XX/XX/XXXX, XX/XX/XXXX passed then they said XXXX, then XXXX so daily they change the date. Im frustrated they are holding my money hostage Im unable to do anything about it. I didnt give them permission to hold my money I want it returned immediately and will be filing civil suit I want interest for everyday my money was held.
Product: Checking or savings account

I have a safety deposit box with Chase - XXXX in XXXX, Michigan. In XX/XX/2022, I noticed an important item missing. Also. it is my understanding that checks in the box may have been copied. I wanted the video footage of the last 5 times I went into my box. I was told by a Chase personal banker that I need to get a subpoena. This should not be the case where I have to hire an attorney and then go to court. In the meantime. I am being charged an annual safety deposit fee of {$80.00}. This should be waived, especially since it is making my account overdrawn. The activity of what happened to this box is a part of a federal investigation. I ask you to consider the matter of high importance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to get this alleged debt/ accounts verified in the standards following FCRA. I have filed Disputes almost every 30-45 days because Experian has failed to adhere to the laws of FCRA. All Experian says is its " verified and updated ''. I sent additional letters requesting documents that prove how they verified it and who they spoke with. But no response to those letters. As according to section 611 in FCRA, as taken a part of my letter, " by the provisions of the Fair Credit Reporting Act, Section 611, I demand that these items indicated be investigated, and promptly delete any unverifiable, inaccurate, or outdated information from my credit report. It is my understanding that you will recheck these items with the creditor who has posted them. I understand that under 15 U.S.C. Sec 1681g, I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 

With asking this information Experian sends me these kind of responses that say, " Unless you send us additional relevant information to support your claim, we will not re-investigate this information again. My additional information is this document asking for proof in how Experian verified these these two accounts ( XXXX XXXX and XXXX  )
Product: Debt collection

XXXX : my account with XXXX goes into default. It appears on my credit reports under a creditor I can no longer recall. 
XXXX : no collections on my credit reports XX/XX/XXXX : Convergent Outsourcing sends a letter to my current address XX/XX/XXXX : I receive letter, contact Convergent Outsourcing and XXXX XXXX. Convergent Outsourcing says its not on my report and it is from XXXX. Call XXXX and they claim there is nothing they can do or will do to rectify this XXXX XXXX XXXX XXXX : no collections on my credit reports XX/XX/XXXX : collection from XXXX XXXX XXXX Convergent Outsourcing appears on my XXXX and XXXX XXXX. I dispute on both credit monitoring sites. I call XXXX and they claim I am still liable for this old debt. It is dated on my credit report from XX/XX/XXXX.
Product: Debt collection

This report was outdated. How did you verify it when I see that the date iit was last reported was still XX/XX/2013? Date of last active as well is XX/XX/2013. This is also a PAID account so why do you have a Late 30 Days for it's payment status? This is insane! DELETE this immediately.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

There are multiple concerns but will start with XXXX. Although XXXX XXXX XXXX took about 7 weeks for researching my case, the research proved to be inadequate. Capital One agreed that I paid for credit card protection plan for unemployment and XXXX reasons. I became unemployed.Capital One made misrepresentation of material fact by selling me products that supposed to cover credit card payments if I am unemployed XXXX. Capital One made monetary restitution but has not removed the lates. The representatives were more interested in hounding for payment instead of applying the protection benefits. 
Therefore, the issue at hand is Capital One credit Card Protection policy.
Product: Prepaid card

On XX/XX/XXXX I discovered a purchase for $ XXXX to a company called XXXX XXXX XXXX XXXX XXXX XXXX It was weeks before XXXX and I was without half of my social security payment because of this fraudulent purchase. I am retired and XXXX and need every cent that I get in for social security especially before XXXX. I contacted Direct Express Payment Processing Services ( my social security money gets deposited directly onto this card ) and they said they would look into it. I received a letter early XXXX ( this month ) saying {$400.00} of the $ XXXX would be deposited back to my account while they are still investigating the fraudulent purchase. The money apparently went back into my account but they immediately took it back out because they said that XXXX XXXX ( the company that authorized the fraudulent purchase ) disputed the purchase. I XXXX XXXX have never heard of XXXX XXXX before this purchase was made and I did NOT authorize this purchase. It was weeks before XXXX and when a manager from XXXX. emailed me I didn't not trust them at the time and I did not respond back. I have XXXX XXXX due to a XXXX. I have submitted the best I can any proof or information. Thank you. XXXX XXXX XXXX
Product: Prepaid card

I received a {$250.00} Vanilla Gift Card from work. I activated the card early in the week of XX/XX/XXXX. There was {$250.00} on the card. I went to use it on XX/XX/XXXX to get coffee. When I went to use it, there were no more funds on the card. The balance was {$0.00}. 

I went online to check what happened. The card was drained at a XXXX in California for all of the {$250.00}. I live in Rhode Island. I did not use the card. The card was hacked and drained of all the funds. 

I filed a claim with Vanilla Gift Card, but I have yet to hear back from them. Per my research in trying to solve the matter, draining of prepaid cards is a known issue for this company, unfortunately. 

I am looking to have the issue resolved and have the funds refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

The purpose of this complaint is to bring attention to the XXXX XXXX and violation of my fcra rights. There is an account on my profile from XXXX XXXX XXXX XXXX  acct # XXXX. This account is currently only reporting to experian, Ive advised and dispute this account with Experian in the past. I was finally relieved when I received updates on Experian website that the account had been removed ( please reference XXXX. Ive included images from Experian as website saying the account has been removed ) yet and still the account is still being reported until this date. A company is permitted 30 days from the date of my complaint to respond its been XXXX  days and there still hasnt been a response. So, what did I do? I file another complaint with the cfpb simply because Experian has violated the fcra and XXXX rights responded to my complaint, at all that case # XXXX. So, why am I filing a third complaint for record purposes. Ive included a screen shot showing that since my initial complaint this year against experian regarding this account that while they advised you they launched an investigation they NEVER DID, UNTIL RECENTLYwhich means that the dispute perhaps fell through the cracks? Maybe someone forgot to issue a complaint. Even know there is no notice of dispute on record, which means no contact has been made with creditors..Im simply asking that my consumer rights are honored and no longer scoffed at and ridiculed I matter, my credit matters I just want my life back
Product: Credit reporting, credit repair services, or other personal consumer reports

There's incorrect Personal Information on my Credit Report.
Product: Student loan

I requested a refund of {$10000.00} for a payment I made on XX/XX/XXXX during the COVID pause. I had made several attempts to contact my loan servicer Mohela prior to the deadline on XX/XX/XXXX. On multiple occasions I was on hold for over 2 hours before hanging up the call. I was finally able to get through on XX/XX/XXXX and my request was denied. 

Recent investigations and congressional meetings have indicated that Mohela has not provided reasonable access to customer service. This has continued to be the case and was reflected in my inability to contact them prior to end of the COVID deadline. Evidence has been provided regarding Mohela 's customer service " call deflections '' that have made it nearly impossible to speak with someone. 

In XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX. ), and XXXX XXXX XXXX ( XXXX. XXXX sent follow-up letters to student loan servicers -- MOHELA, XXXX, XXXX, and XXXX -- raising concerns about borrowers ' problems with return to repayment, requesting information about the borrower experience, and pushing back on the servicers ' claim that budget shortfalls limit their ability provide quality customer service to millions of borrowers.
Product: Checking or savings account

Suntrust bank close my account, keep my money and gave me no notices whatsoever. 
Is been 3 weeks, several calls and 2 visits to a branch without any other infomation that my account is under investigation with no time frame. The only instruction I get is verbal, to wait for an explanation by a letter. 
I deposited my taxt return and the relieve checks from the goverment and I need that money asap. 
I never experienced anything like this before. 
They block the access to my account online, I can not see any statement, balance or information. 
I understand that a bank can refuse to have business with a person, but why they are keeping my money after shooting down my account? 
Please help!