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 : Bankruptcy XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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 or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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 XXXXXXXX - BALANCE {$4600.00} DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$280.00} DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX DATE OPENED XXXX, XXXX Account Name : XXXX, XXXX & XXXXXXXX XXXX XXXXXXXX - BALANCE {$890.00} DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all Information with complete accuracy. this account has not been late on payments complaint on the following dates ( XXXX XXXX XXXX, transunion XX/XX/2018. I'm now requesting you investigate and provide veriflable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX : {$1000.00} ; XXXX XXXX XXXX Balance : {$810.00} ; XXXX  XXXX Balance : {$590.00} ; ( Original Creditor : XXXX XXXX ) XXXX : {$190.00} ; XXXX XXXX XX/XX/XXXX  ; XXXX XX/XX/.
Product: Student loan

I attended XXXX XXXX XXXX from XXXX. I took out private loans. I have since been repaying them on time. I only had XXXX six month forbearance for the life of the loan and used that in XXXX. I was laid off last XXXX and was collecting unemployment insurance. That ran out at the end of XXXX. I called ACS Education who I make my payments to and requested some sort of hardship forbearance. This was on XXXX XXXX, XXXX and I spoke to XXXX XXXX. This call took place around XXXX central time. I made my request, she put me on hold, then came back and told me that I was granted a two month hardship forbearance. She told me that I did not need to pay my loan for the months of XXXX and XXXX XXXX. I explicitly asked her to confirm and she told me not to pay my loans for those months. They have the call and record and you will be able to retrieve it. She sent me the forbearance request form to sign and I signed it and emailed it back to her. 

In the beginning of XXXX I received a call from the ACS collection department. I told them I had applied for a forbearance and they explained that it was still in the approval department. At no point was I told to make a payment for XXXX or XXXX. 

In late XXXX I logged into my account to see that I had XXXX past due balances. I called to inquire why this was only to find that the forbearance request was denied. I explained the situation the representative, XXXX, said she would research it. She did over a few weeks. In that time, I received a call from XXXX and XXXX, a collection agency who is extremely nasty. In the time they were researching this situation, ACS reported me to a very nasty collection agency who demanded I make payment. I researched this and contacted XXXX, and called XXXX and XXXX. back only to find out they had sent the case back to ACS. XXXX then contacted me a few days later I was told that they went back to the lender who denied the forbearance. 

I then requested to speak to her manager. I told him that this was on ACS for giving me misinformation and that I want them to credit me for the total past due which is {$620.00}, as I can not pay it. He said he 'd look into it. He called me back yesterday denying my request. In XXXX separate calls, admitted this was the fault of the ACS represntative. XXXX of those calls was on XXXX/XXXX/XXXX at XXXX central time. Again, I urge you to pull that call for this investigation. I was basically told this was their fault, but that I have to pay the past due. I was not offered a payment plan or anything. I was simply told that I need to make a payment by the end of the month or it will be reported to a the credit bureaus. 

This is beyond unacceptable. I was TOLD to not pay my loans for XXXX months by a representative of ACS. They are ADMITTING fault, and yet refuse to work with me. They must make reparations and pay for the XXXX past due balances, a total of {$620.00}.
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 funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Student loan

I have already opened a complaint and they are sitting on a response. All they need to do is refund the monies owed for making me pay earlier than I was required. They have told multiple stories about what the status of my refund is. XXXX story was that they never processed the refund. The other story was that it was submitted to the treasury department and its out of their hands. I want to see proof that my refund has been issued if they allegedly submitted it to the treasury department. It should NOT take XXXX months to rectify this. Im owed over {$800.00} for payments I didnt have to make because they sent out a notice too soon. I held accountable for being late but they can take their sweet time? It is beyond unacceptable that theyre not held to any standard whatsoever. So Im filing another complaint because they are mishandling my current complaint and I have no recourse to find out the status other than to do this. I will not sit on the phone for XXXX plus hours waiting to talk to someone. Please! Just take care of this. Please reference complaint XXXX
Product: Vehicle loan or lease

I have been making my payments to Flagship credit on time, I've even made extra payments to lower my balance. The last time that Flagship has reported my balance was on XX/XX/XXXX of {$11000.00} it is now XX/XX/XXXX and my correct balance is {$8700.00} I have called multiple times to get this corrected. I called in XX/XX/XXXX and was told by one of their employees that I need to file a dispute with the credit agencies. I did that and the dispute results came back with nothing changed. I called again, and they finally opened up a ticket on XX/XX/XXXX. I since then filed another dispute with the credit agencies and received the results on XX/XX/XXXX with nothing changed. I called flagship credit today XX/XX/XXXX and spoke to an agent and stressed to them how urgent this is and how it's been a year since they have reported the correct information. The agent I spoke to said that I need to wait 30 business days from the date they opened the ticket on XX/XX/XXXX which will make it XX/XX/XXXX when I find out if they updated my information to the correct amount. They reason why they said is because they had a system change back in XX/XX/XXXX.
Product: Vehicle loan or lease

On XX/XX/XXXX I sent Gateway Financial Solutions an affidavit requesting proof under penalty of perjury that they are in fact the true creditor, and not an elaborate scheme. I have reasons to believe that Gateway Financial Solutions obtained payment for my vehicle by way of selling the promissory note I affixed with my signature on XX/XX/XXXX when the transaction was initiated. I requested documents proving the funds that paid the dealership for my vehicle in fact came from their own reserves. Its required under 10 Maxims of Law that a lien or claim can be satisfied only through rebuttal by counter affidavit point by point, that which Gateway financial solutions failed to do. Instead they sent a letter that adressed only 1 of my concerns. They provided the contract in question, which I did not request, and their license to do buisness in Maryland, which I did request. As of tofday XX/XX/XXXX my affidavit remains unrebutted. Some time between the night of Monday XX/XX/XXXX or the morning of Tuesday XX/XX/XXXX gateway financial solutions repossesed my vehicle despite being required to stop all debt collection activities until this matter is resolved, violating 15 U.S Code 1692c. On XX/XX/XXXX I recieved a letter threatning to sale my vehicle if payments to this alleged debt is not made by XX/XX/XXXX which is a violation of 15 U.S Code 1692d ( 4 ). I have provided the pre-notarized version of my affidavit sent, as well as all the correspondances sent to me, the notice to sale, my supporting documents and an invoice.
Product: Credit reporting or other personal consumer reports

Hi, I cant believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. i sent multiple letters, its more than 60 days. I need these accounts deleted or updated. These are the items i am demanding to be deleted immediately : checking account and demand deposit account ( DDA ) activity - XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past several months I have requested that Experian provide proof of various issues i had reporting on my report. the latest report as of XX/XX/18 still states the mis-reported information as well as, a report from XX/XX/18, various mistakes in reporting are noted and pointed out and Experian updated the information that I had found wrong and then added to the time that it will remain, then inform me that unless i send a different letter that Experian will not look in to there mistakes. It is not fare no legal that due to there mis reporting and unable proof to provide the information i had requested for well over the allotted time needed. the accounts remain and more have been added. also various medical accounts appear as well and i know that is a HIPPA violation. I am not sure as to why nor understand the reasoning behind Experian unwillingness to admit there mistakes and remove the accounts and failed to accept my consumer complaint OR the INCORRECT ADDRESS was reported, EITHER a clear infraction of the requisite conditions of reporting which is to include ONLY TRUE, FAIR, ACCURATE, and COMPLETE COMPLIANT REPORTED DATA. In the LEAST, this item is NOT REPORTED ACCURATELY Surely it is, as such it is unlawful and mandates assert the proper resolution is to eradicate the deceptive reporting so delete today, here and now please. Wrong address was displayed therefore the reporting is DEFICIENT of legal standing to report and to retain is unlawful and a dereliction of adequate mandatory certified compliant reporting of allegations of delinquent and or derogatory consumer information, TRUE or NOT! I DO NOT DISPUTE the reality of the account reported YET experian refuses to REMOVE the claim I dispute it. PLEASE EXTINGUISH the " DISPUTE '' remark OR present regulatory requisites that suggests a mandate to retain a dispute statement OUTSIDE the consumer 's CLAIM of NOT DISPUTING. What gives experian, exactly, the RIGHT to retain despite an absence of consumer dispute or an authorization from consumer to suggest it is in dispute? CERTIFY the nature of any CURRENT DISPUTE or else eradicate. It is UNLAWFUL for any entity in credit to be deceptive or unfair. CLEARLY this is experian misbehaving illegally and must act to remove a claim of Ail
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account XXXX, has violated my rights 15 USC 1681 Section 602 states that I have the right to privacy 15USC 1681 Section 604 A Section 2 : It also states that 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 any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, AXCESS FINANCIAL add a hard inquiry on my credit report per XXXX.

On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.

On XX/XX/XXXX, XXXX  add a hard inquiry on my credit report per XXXX.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

My account has been locked for over XXXX XXXX XXXX  XXXX  months with over XXXX $ stuck on my account.Ive beeen sent an email letting me know I was permanently banned for no real reason and have to wait XXXX  days to retrieve my funds, but thats too long Im not rich by any means and that money is really needed. I havent been able to get any help from customer service or live chat after numerous attempts this is my final option so hopefully this can help me get my fund back please. 

MY EMAIL ON FILE FOR VENMO IS : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Auto Pay for Macy 's credit card was activated on the wrong credit card account. I spoke to Macy 's customer service. Macy 's indicated that the previous account ending in XXXX was mistakenly not closed. Therefore, the new account ending in XXXX did not need to be opened. The Macy 's representative I spoke to on XX/XX/2022 removed all late fees for the new card ending in XXXX, and I made a payment for the balance remaining of {$310.00}. I was advised that the previous account is now closed ending in XXXX. I am asking that the late payment status from all Macy 's accounts with all credit reporting agencies remove the late status. Thank you! 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to deal with an account from a company called XXXX XXXX XXXX card for over a year now. I have sent them multiple dispute letters AND phone calls stating that I had never opened an account with them and they are reporting a fraudulent account on my credit report. Now the account itself is not hurting me as it seems to be paid HOWEVER this account was never opened by me. I have spoken to someone from XXXX XXXX card and the person I spoke to in fraud department assured me that the account was closed and would not reflect on my credit report and here we are a year later with it showing as an open account and NOT REMOVED. I actually have a voice recording of this person at XXXX XXXX XXXX STATING THIS VERBATIM. I am beyond livid at this point. I have sent the 3 credit bureaus ( XXXX, XXXX and Experian ) multiple disputes and they still are not help. I am working with an attorney now that is costing me thousands of dollars putting a class action lawsuit together but at this point I am running low on funds when this could all be resolved by just doing the right thing... NOT REPORTING A FRAUD ACCOUNT WHICH I NEVER OPENED. This is going to be the death of me. I have sent XXXX XXXX letters in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again this last XX/XX/XXXX. Still no one can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had disputed an account that was not reporting to the 3 credit reporting agencys. It finally reported but with errors. I disputed it again. Today I received in the mail notification they deleted the whole account off my report. I contacted TransUnion and was told they cant dispute something that isnt there. I want this account to report as it has a XXXX balance with a {$4800.00} credit line with no late payments.
Product: Credit card

In XX/XX/2016, I made an online request to redeem XXXX reward points for cash. The amount came to {$91.00}. Approximately XXXX months later, I had not received a check. I called customer service to inquire. I was told by them that a check was mailed. I never received it. They then said another check would be issued. As of XX/XX/2016 I still had not received anything. I called customer service again and was told that another check would be issued. As of today, XX/XX/2016, nothing has been sent. I 'm tired of the run around and want the {$91.00} sent to me in the form of a check to my home address.
Product: Mortgage

On XX/XX/2018, I emailed Specialized Loan Servicing death certificate, small estates affidavit, and quit claim deed. My brother was on the loan with a co signer. My brother died, and the cosigner quit claimed off of the title I can not get any information on the loan. The loan is in foreclosure, and instead of indicating estate of XXXX XXXX, ( XXXX XXXX ), they just removed his name, not taking the quit claim deed into consideration. 

I do not have the social security number of XXXX XXXX. I want to receive a loan modification since my brother was beind on this mortgage. I have tried to speak and call repeatedly, and I KNOW they received the information because a supervisor looked into this, and told me so.
Product: Debt collection

They never responded within 30 days and it's still on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting to remove the fraud alert on my Credit report. I've sent mail about it but Ihave n't got any response yet from the credit bureaus. Please help me. Thank you!
Product: Credit reporting or other personal consumer reports

CFPB complaint XXXX No, I do not consent to 60 days to resolved my dispute nor do I consent to giving Experian more than 30 days to resolve this investigation. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the XXXX period referred to in subparagraph ( A ) ( XXXX ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. Experian has disputes from XX/XX/year> that have not been resolved which is well over the 30 day period mandated by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX IS FALSELY REPORTING LATE PAYMENTS ON MY EQUIFAX CREDIT REPORT. XXXX IS REPORTING TO EQUIFAX THAT I WAS LATE PAYING THEM 120 DAYS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. I HAVE NEVER MADE ANY PAYMENTS OR HAD ANY FINANCIAL OBLIGATION TO THIS COMPANY. I HAVE BEEN DISPUTING THIS ACCOUNT WITH EQUIFAX FOR SOME TIME AND NO PROGRESS HAS BEEN MADE. DUE TO THESE INCORRECT LATE PAYMENTS, I HAVE BEEN DENIED CREDIT DUE TO THIS ERROR REPORTED BY XXXX. IN ADDITION, I WAS NEVER GIVEN THE RIGHT TO DISPUTE THIS ACCOUNT BEFORE IT ENDED UP ON MY CREDIT REPORT. XXXX HAS VIOLATED FCRA 15 U.S. CODE 1692e ( 10 ) A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : I HAVE ATTACHED PROOF FOR YOUR REVIEW.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported a car loan to Transunion and the other bureaus that a car loan was closed and paid in full, that no further money was owed, and Transunion is failing to report it