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

In accordance with the Fair Credit Reporting Act ( FCRA ), the inquiries listed below violate my federally protected rights to privacy and accuracy under 15 U.S.C. 1681. As stated in 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy regarding my financial information. Additionally, 15 U.S.C.1681 Section 604 ( a ) ( 2 ) specifies that a consumer reporting agency can not include an account on my report without my explicit written consent. Furthermore, 15 U.S.C.1681c ( a ) ( 5 ) prohibits the reporting of any adverse informationexcept for criminal convictionsthat is older than seven years. Lastly, under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers are not allowed to report information they know or should reasonably know is inaccurate. Given these protections, I request an immediate review of the listed inquiries. If they can not be fully verified with proper documentation, they must be removed. Please provide written confirmation of your findings and any actions taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called this company and they apologized for the inconvenience. A former resident named XXXX XXXX used my name for the lease of that property when really it was his own son XXXX XXXX that was living there. I never lived there. This is fraudulent information. I have also spoke with XXXX XXXX himself and he informed me that he notified the company of this error and has paid the debt. I had nothing to do with this property.
Product: Student loan

I have both private and federal student loan accounts. Payments have been made on time every month, but Navient credits only one account rather than allocating the payments correctly to each. They then charge late fees for what they state is overdue payments. I have asked them to correct this problem every 2 to 3 months through the 2017 year by calling customer service. They have failed to correct the problem. Payments continue to be misallocated every month. I have attempted to email requests for corrections and the customer service address from which their late notices are generated is not a monitored account.
Product: Credit reporting or other personal consumer reports

I have one open up to date account with XXXX XXXX that I dont want touched. My goal is to rebuild my credit. 

I have 2 accounts with XXXX XXXX that were added in my XXXX XXXX XXXX dated XX/XX/XXXX. These 2 accounts show derogatory payment plan in bankruptcy and also show 2 negative accounts on my credit report.

It says negative pay status ; what status I completed my bankruptcy payments in XXXX XXXX. It was discharged XX/XX/XXXX. 
I want the two old inaccurate reported accounts removed from my credit reports.
Product: Student loan

I graduated with my XXXX degree in 2009. I began to repay my student loan. A company called Navient, XXXX. XXXX XXXX, XXXX, GA XXXX, XXXX, called me and stated that they can lower my monthly payments and also put me in the Loan Forgiveness since I am a XXXX. After doing this the Federal Loan Servicing began to send me letters that I was late on my payments. I pay everyone on the XXXX of every month since that is when I get pay. They misrepresented themselves to me by telling me that they where going to help me. I paid them a fee and I still did not get what they promised me. I would like to get my money back. I have to pay late fees because they used to send the payment to XXXX late. Also my school is under review and is closed. I tried to enroll with XXXX and they told me that my XXXX degree was no good for them. Please advise and, Thank you.
Product: Debt collection

Lunv funding is reporting on my credit account and it was the result of a Id theft account and most stop collections attempt
Product: Credit reporting or other personal consumer reports

I am unable to provide all of the documents because they were altered and hidden. This was not where I lived where it was forwarded to after an incident. False claims information was used and apparently taxes were taken out and XXXX XXXX closed so as found this is the last document of unknown and known people some mail forwarded to XXXX XXXX XXXXXXXX XXXX XXXX XXXX account information XXXX XXXX and this was forwarded leaving me with nothing closing my post office box on auto pay likely with id or some other means I dont believe it was the actual post office. Went in and told they had to give it to someone else. Again likely not the post office but I know that it is also illegal to use bank information or deduct for likely tax purposes so left with little. This is not meant as a complaint but info needed. Parents were not at the residence at the time it was forwarded my father was undergoing XXXX XXXX. So it was someone on their behalf unknown does not mean it changes anything or anyone but someone had to go in do this and after covered the evidence. So could be anyone may have been after returning by anyone. But sent to both parties forwarded.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. EXPERIAN is reporting Utilization on multiple 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave EXPERIAN written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX violated my consumer rights by allowing these late payments/utilization to report to my consumer report!
Product: Credit card or prepaid card

I have filed a complaint on XXXX related to this. Complaint number XXXX Synchrony bank received a check from XXXX XXXX on XX/XX/2022. They deposited this check on XX/XX/XXXX. This was never credited to my account. 
I have called XXXX who took over the account at the end of XX/XX/2022. XXXX says Synchrony needs to take care of this. Synchrony said the no longer have the account. I have been sent back to XXXX from Synchrony twice. 
XXXX asked for proof of the payment by sending a copy of the cancelled check. I have done that. They still refuse to credit my account. I understated they still expect me to pay them the over XXXX that was already paid. They continue to charge fees and interest to my account and reported delinquency to the credit bureau.
Product: Credit card or prepaid card

I was a victim of identity theft and fraudulent accounts were opened with my social so I informed Capital One of the situation investigations were done and the accounts were ruled fraud and were removed from the Credit bureaus so several months later I applied for credit with Capital One and were denied due to previous accounts that was still attached to my social security inside Capital One internal system so I reached out to them and they stated basically thats the way they do business there is no such thing as Victim with Capital One they still hold the consumer liable for Identity Theft
Product: Debt collection

Asset Acceptance claimed in court on XX/XX/XXXX {$11000.00} ... ... Balance as of XX/XX/XXXX {$3300.00}. 

On behalf of Asset Acceptance, Midland Credit Management ( MCM ) has been garnishing my payroll wages since XX/XX/XXXX. Due to hardship, in XX/XX/XXXX, I filled an appeal against Asset Acceptance and was denied. The Asset Acceptance Representative present in court did not even look at the hardship documents that I brought to court in XX/XX/XXXX. 

Now due to the pandemic, my work hours have been reduced ; being head of household, I called Asset Acceptance to ask if they would tenatively stop the garnishment until my working hours became regular again, and the answer was no. 

Due to the dates listed above, Midland Credit Management ( MCM ), on behalf of Asset Acceptance, has been falsely garnishing my wages according to the statute of limitations on credit card debit ; while in court XX/XX/XXXX, they did not present any accout number, nor did they try to contact me prior to the court date. The Asset Acceptance Rep. forced me to go ahead and sign a document although I informed him that I was already under obligation paying a current garnishment ; and could not afford to pay anything else.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. XXXX XXXX XXXX
Product: Prepaid card

Because there is something wrong with the card issued ( Vanilla has confirmed ) I requested a refund on XX/XX/year>. The refund has been escalated multiple times with no resolution. 

Case # XXXX
Product: Checking or savings account

Access to my Fifth Third checking account has Ben blocked since Thursday XX/XX/XXXX and Fifth Third bank representatives have been very unhelpful in figuring out why this is. I have o access to my account at all! I cant view my balance, make or transfer payments and I am on hold for an average 1 1/2 hours just to be transferred to another rep that asks me the same questions yet is un able to help. At this point I just want to close my account and get all my money out. Fifth Third is the worst Financial Institution Ive ever dealt with, the customer service is non existent and they are terrible with communication amongst customers and each other. I wouldnt recommend this business to the worst person in the world.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Discover Bank for violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Below is a detailed account of the situation, along with case law references supporting my claims of unlawful credit reporting and failure to properly investigate disputes. sham investigations. 

1. Background Information I have an active account with Discover Bank I reviewed my credit report from and discovered that Discover Bank had reported inaccurate information regarding my credit history, specifically [ describe the inaccurate information reported, such as wrong balances, late payments, defaults, or any other discrepancies ]. 
2. Violation of FCRA by Discover Bank According to the FCRA, Discover Bank is required to report accurate information to credit reporting agencies and to investigate any disputes related to inaccuracies in my credit report. Unfortunately, I believe Discover Bank has violated these provisions. 

3. Failure to Investigate Disputed Information Under 15 U.S.C. 1681i ( a ), Discover Bank is required to conduct a reasonable investigation when a consumer disputes information in their credit report. In the case of XXXX v. Discover Bank, the court found that the bank failed to conduct a reasonable investigation into the plaintiff 's disputed balance and thus violated the FCRA. Similarly, in my case, despite my formal dispute, Discover Bank did not fully investigate or correct the inaccuracies on my credit report, which constitutes a failure to comply with the FCRA. 

4. Inaccurate Reporting and Failure to Correct Information According to 15 U.S.C. 1681e ( b ), credit reporting agencies must maintain reasonable procedures to ensure the accuracy of information provided by furnishers, such as Discover Bank. However, Discover Bank has failed to provide correct information and has continued reporting inaccurate data. 

In the case of XXXX v. Discover Bank, the court held that Discover Bank violated the FCRA by failing to correct inaccurate information on the plaintiffs credit report after an investigation. Similarly, Discover Bank failed to remove or correct erroneous information about my account after I raised a dispute. 

5. Legal Violations and Damages As a result of these violations, I have suffered damages, including but not limited to harm to my credit score, emotional distress, and potential denial of credit. Discover Bank 's conduct has directly impacted my financial standing and my ability to access credit on fair terms.
Product: Checking or savings account

In XX/XX/XXXX, I learned of a fraud claim of XXXX. I admitted to allowing a friend of a friend to use my phone only to find that he filed this fraudulent claim and obtained the monies from it. {$2900.00} was transferred to another navy federal member who admitted that my friend 's friend was her boyfriend that committed this fraudulent act towards me and her account/funds were released. My mother and I spoke with navy federal reps in XX/XX/XXXX initial contact after nfcu letter received, XX/XX/XXXX when advised of the appeal process being an option, XX/XX/XXXX to be advised that the appeal letter was received and in process, and again today XX/XX/XXXX with a branch representative who advised there is no documentation/activity showing after the XXXX conversation and also that the member 's, XXXX XXXX XXXX her name is listed on the bank statement received ) account was released and no funds were recouped. I SWEAR TO YOU AS I DID TO NAVY FEDERAL IN MY APPEAL, that I have no knowledge of XXXX only communications with my friend 's friend. I believe that it is unfair that I have been penalized not being able to use my account and owing this entire balance when she received and used funds from a fraudulent claim. I spoke with XXXX and a male rep and advised them both of my fault and willingness to satisfy the debt if the case was truly reviewed and decided on in a fair manner. I have made the attempts to follow up but have not received any correspondence via email, mail, or phone. It has been 90 days or more since the appeal was received and is ample enough time to investigate. Please help as I want to rectify this situation. I have attached supporting documents.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX Dear CFPB, I am writing to dispute incorrect personal information on my credit report. The names [ XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ] and addresses [ 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 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 XXXXXXXX ]. The following employers [ XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX listed do not belong to me. Please investigate these inaccuracies and remove them from my record. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX.
Product: Debt collection

called my family after i clearly stated do not call anyone else 1 week back.. i even had made arrangements to pay back debt and they still call..
Product: Credit reporting or other personal consumer reports

I am writing to dispute several inquiries on my credit report that I believe are fraudulent. I have no association with the listed creditors and did not authorize these inquiries. I am concerned about the potential impact these fraudulent inquiries may have on my credit score and financial well-being
Product: Debt collection

The tactics of staff when you call Doberstein Law firm is harsh and no way treat people. Originally I was served papers over 1 year ago during the time of the pandemic. There office was closed I left messages attempting to reach as I as well faced with loss job due to pandemic. I appeared at court and the judge advised the attorney and myself to try work things out. I called the office and set up an agreement. The balance was around {$2000.00} and I paid consistently weekly out unemployment funds. I had to end as funds ran out XXXX XXXX XXXXXXXX XXXX. I called XX/XX/21 to advise working now and get something set up. Balance {$690.00} I advised just started working if settlement can do or get weekly payments set to. The rude, dont know how talk people like we filed suit and our client would want us go for suit. WHY? I asked speak with an attorney and advised attorney will advise me same. Im sure person answering phone should not be able advice any legal advice and/or advise what an attorney could advise me. Im trying to pay. No one has called me to follow up on account but when I call its we filing suit. Thats scare tactic and their office was closed so to staff should be understanding if they was without income as we all are now coming out this pandemic. I get it people owe, but if someone is trying you dont turn down accepting something or trying work out options. Better ways to treat n talk to people
Product: Checking or savings account

I opened a new checking account with U.S. Bank with the terms that I will receive {$400.00} in welcome bonus if the direct deposit exceeds {$6000.00} within a 90-day period. I completed the requirements and called and the customer persons said that the welcome bonus was on my account and will be added soon. Two months go by and I call again to inquire. They say they will confirm and let me know what happened. They mentioned I will get an email. I got nothing. Two months go by and I call again. 

The customer care person keeps me on hold for 30 minutes and every time I ask, she says she is researching what happened. At the end of XXXX minutes, she stops replying and cuts the call. 

This is the worst experience I have had with a bank and I have received no information about my welcome bonus and why I still do not have it even though I completed the requirements.
Product: Credit card

After receiving my credit card statement I had noticed a charge on there for a XXXX in Illinois. Since I have not left New York in years and no one has used my card except for me I was very confused by the charge. I had called Synchrony Bank ( Toys R Us Credit Card ) they had said they would investigate. I later received a letter in the mail stating that I must have traveled to Illinois and used my card there as there was a signature used with it and that it was not fraud?!? I also separately received a letter letting me know that my card number was probably leaked at XXXX and to be on the look out for fraudulent charges!!! In fact XXXX had called my son around the same time telling him that his entire XXXX card was cloned including the microchips on it! And the last place he had used it was the XXXX XXXX XXXX and XXXX, same as me! I called back into synchronicity bank where they proceeded to call me a liar that I must have traveled hundreds of miles or that someone I know must have. This is complete XXXX. I then had to have my son help me call back and with his help they reopened the case. But yet again I got another letter calling me a liar that I somehow drove XXXX of miles to Illinois to visit a XXXX. This company is a complete piece of XXXX! They claim to have fraud protection when they are a bunch of bullies calling me, a XXXX year old woman who needs to use XXXX a liar. I plan on writing to the XXXX, XXXX and XXXX news about this horrible credit card company if this is not resolved!
Product: Credit reporting or other personal consumer reports

I previously disputed this account with Experian, XXXX XXXX XXXX. I let them know this account was not reporting accurately. According to the IRS when an account is charged off its considered income, and according to the FCRA income can not be reported on a credit report. I requested a 1099-C ( Cancellation of Debt ) from XXXX XXXX XXXX in regard to the following charged off account listed below. XXXX XXXX XXXX received a corresponding tax deduction for the uncollected amount associated with this charge-off and I had to file the balance of {$71.00} as income on my taxes. This account no longer can be reported to my credit report. Not only does this violate my rights per the FCRA, this is also tax fraud on XXXX XXXX XXXX part. Delete this account from my credit immediately for inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ve just received my credit report and noticed unauthorized items that shouldn't be reporting to the credit profile. These have been rough times during the pandemic and I'm tuna get to the bottom of the situation
Product: Credit card or prepaid card

On XXXX XX/XX/XXXX I was charged {$19.00} from XXXX XXXX XXXX, I never authorized this transaction and reported it to my credit card company. They closed out that credit card immediately and reissued me a new credit card with a different number. They investigated and sided with the XXXX XXXX XXXX on XXXX XX/XX/XXXX. I again contacted my credit card company and told them again that I never ordered anything from this company. They again investigated and on XXXX XXXX again came back that this was a VALID TRANSACTION. How can it be a valid transaction if I did not order anything? I have been with this same credit card for more than 20 years. 
I will be contacting the credit card company again Monday when their fraud division opens. 
I would like the credit card company to show me PROOF that I ORDERED from this company. When I found this UNAUTHORIZED transaction on my statement I IMMEDIATELY contacted the credit card company FRAUD DIVISION and they issued me a new credit card with a different number. If the credit card company AGREED that this was a VALID TRANSACTION why did they issue me a new credit card with a new number?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I disputed several negative items on my Equifax credit report via certified mail. On XX/XX/2023 Equifax received and signed the documentation acknowledging that it was delivered. Its been 30 days since the disputed was created. As a result, Equifax has not responded within the timeframe specified. Therefore, they are in violation of the following, 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act