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 : XXXX XXXX, XXXXXXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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: Mortgage

Not have I only tried to fix this issued with the management of BMO Harris Bank in writing, this is my second complaint to you. After the first one the VP of the bank wrote me an apology letter saying it will not happen again, yet they are doing it again. I pre-pay my loan quarterly, in the exact amount due, then they apply the payments to the principal and charge me late fees on the payments I have a already paid! This is an illegal practice, and they need to reimburse me and do a full accounting of my payments as they are deliberately trying to commit loan service fraud. Please contact them and audit them. As a former XXXX  XXXX in the XXXX XXXX, i helped create the CFBP for this reason among other loan service acts of fraud and predatory lending. Please see my attached XXXX statement, which shows them doing the exact same thing. They are misaproproating my payments for profit. Thank you, XXXX XXXX
Product: Student loan

Hello, I have a student loan that is open since 1999. Two months ago Navient took over servicing the account. They are now reporting the account as open two months, which dropped my credit score. I called Navient and was told that I have to send a copy of all three credit reports to their Dispute address. There was no person to talk to on the phone. 

In the last 5 years multiple companies have serviced my loan including XXXX and XXXX. Neither of which misreported the date that my student loan opened. 

I've sent a copy of all three credit reports to my Navient 's address. I included a printout of the Sallie Mae overview of my student loans - which clearly state that the account opened in 1999. 

What else am I supposed to do? How long do I have to wait to get this problem corrected? More importantly, why is the burden on me to run around and correct the problem. The Navient person told me on the telephone that she could see that the account initiated in 1999!! This company should be held accountable. 

Also, I called one of the reporting agencies directly ( XXXX ), the person on the telephone told me that I don't have any accounts open with Navient! So I have no idea what name they are reporting under.
Product: Credit card or prepaid card

I MADE THE MISTAKE OF HIRING HOME DEPOT TO REFACE MY KITCHEN CABINETS IN XX/XX/XXXX. THE WORK TOOK PLACE IN XX/XX/XXXX AND I HAVE BEEN TRYING TO GET BACK THE MONEY I'M OWED SINCE XX/XX/XXXX. I ALSO SENT A DEMAND LETTER TO XXXX XXXX XXXX SINCE THAT WAS THE OFFICE BUSINESS CARD I GOT FROM XXXX XXXX AND XXXX XXXX XXXX WHO EVEN CAME TO MY HOUSE IN XX/XX/XXXX AND DESPITE TELLING ME HE WAS GOING TO MAKE IT RIGHT, I NEVER HEARD FROM HIM AGAIN ). I SENT AN EMAIL ASKING WHY NO ONE HAD RESPONDED TO MY DEMAND LETTER, BUT THAT EMAIL WAS ALSO IGNORED. CUSTOMER SERVICE SUCKS AND I WANT THE MONEY BACK HOME DEPOT STOLE FROM ME RETURNED IMMEDIATELY!!!! CHARGING ME FOR SERVICES AND EQUIPMENT NOT PROVIDED IS 100 % ILLEGAL!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies XXXX, XXXX, XXXX, XXXX, XXXX were not entitled to check my credit history, I have no interest in getting a new loan or purchase any items from them.. It is not authorized and therefore must be deleted from all my credit reports
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity Theft. My information has been exposed in the Equifax data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX BANK XXXX XXXX : {$140.00} CXXXX 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 XXXXXXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following company has made multiple inquiries of my credit. I am not applying for new credit. 
Dates include according to XXXX report include : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX
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. XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions First Premier Bank
Product: Credit card

XXXX XXXX is saying i have a unpaid balance of {$3000.00} when i dont even have a account with them i have my own phone i had for over 2 years. It messed up my credit extremely. It says i opened the account XXXX XXXX XXXX
Product: Debt collection

I noticed a new collection account on my credit report for progressive insurance. As soon as I did I called XXXX and they informed me to call Credit Collection Services. I paid the amount in full and the representative on the phone promised the collection would be removed from my credit report. It has been a few months and the collections is still showing on my credit report as paid but not removed as the representative promised.
Product: Debt collection

I lost my wallet, XXXX - XXXX all my credit cards and money and identification. 
A representative called me and stated someone is using my card or cards!! 
They purchased {$750.00} of XXXX and {$350.00} of sneakers and other things!!! ( XXXX XXXX )! 
I then called all my credit cards fraud departments!! 
XXXX XXXX, and XXXX XXXX XXXX!!! 
So since I called all my credit cards fraud dept they just send it to anther credit collections agency and report to all 3 credit reporting agencies without answering any questions concerning unauthorized use from the Police Report also not following the instructions of FCRA AND CFPB LAWS!!! 
XXXX ASKING TO STOP MAILING ME LETTERS AND REMOVE MY INFORMATION FROM ALL XXXX CREDIT REPORTING AGENCIES!! 
XXXX, XXXX AND XXXX!!! 
HERE IS MORE LETTERS FROM THEM AND THE POLICE REPORTS OF UNAUTHORIZED USE ON THE POLICE REPORTS
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002. 142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable its which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Debt collection

I was a customer of XXXX XXXX XXXX. They merged with XXXX XXXX and had me sign up for their new program which " would save me money ''. I signed up and the billing had been inaccurate for months. I finally disconnected their services and sent all equipment back to the company as they indicated. After receiving a large bill indicating a substantial balance was due, I called the company and they indicated that there was an issue with billing as the services were still billed under each company separately but only one invoice was sent out on behalf of both companies. After spending 3 hours on the phone with multiple representatives, the issue was resolved. A month later I received a letter in the mail indicating I was owed a balance of {$74.00}. I have since received that letter every month for the months of XXXX, XXXX and XXXX stating the company still owes ME money but they have not issued the reimbursement to date. In XXXX, I received a letter from the collection agency XXXX XXXX on XX/XX/18 claiming that I owe an amount of {$210.00}. I contacted their company to tell them this is incorrect and XXXX XXXX XXXX XXXX actually owes me money. Their representative started laughing and stated that I was incorrect and their documents do not lie. I told him I would submit the paperwork and he said it did not matter and I had to pay the entire balance due. XXXX XXXX XXXX has made a negative report on my credit which has impacted my score substantially and they have now turned a false balance to a collection company who continues to call and send letters demanding payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I called Capital One and spoke to XXXX ID # XXXX in regards of the late payment they put on my credit report for XXXX showing I was late. I have proof that I made a payment on the XX/XX/XXXX, 5 days before the actual due date which the XXXX of each month. XXXX stated that its reporting that way because of how their billing cycle are set up and from my previous late payment for XXXX and XXXX. Yes I was ate for XXXX and XXXX. However, I made my payment a few days later on XX/XX/2018 for {$730.00}. I have no control of how they run their billing cycles, but I do have control of my credit report. They are in violation of FRCA, and can only report valid information, nor can they penalize me for any previous late months. I have written the CEO twice and have proof of those letters also and contacted all 3 credit bureaus, and file complaint with XXXX. As I stated to them If this is not handled accordingly, the next step is to sue them for incorrect reporting. They can never give a valid reason to why they make their decisions and I am fed up at this point. I have witnessed many people who get these remarks removed which leaves them into discrimination. I have given them 30 days to respond. Its funny how the CEO can respond to these complaints but he has an executive team to handle his emails ... .. Below are several documents of my payments and evidence that they help who they want, and second letter to the CEO.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2017, LexisNexis sent me a letter indicating they were " suppressing '' the bankruptcy record on my file maintained by them. I assume their use of the word " suppressed '' is tantamount to " deleted ''. As on this date, I have not received a resolution letter or the updated XXXX XXXX report. Additionally, LexisNexis has not stopped reporting the item in question to the credit reporting agencies. 

LexisNexis internal Case # XXXX LexisNexis Consumer #  XXXX
Product: Checking or savings account

I am using Ally Bank. Please look at their website, scroll down. Their website says they are the best 2019 online bank. I have work and other things to do during the day. I do not sit at my laptop during the day. I stay late past midnight to pay my bills at least two times per week. Ally Bank always does it updating around midnight to mess me up while I pay my bills. I chatted with their employees a few times, but they do not care. It is 100 % clear that Ally discriminate its customers who stay up late to use their online bank. This is an opposite from the saying on its website that they are the best online bank in 2019. Their website is lying.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act XXXX XXXX XXXX XXXX has violating my rights. 

15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish account without my written instructions.

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

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for late Closed, charge off and collections. I have tried numerous times to have this situation resolved with no resolutions. Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; Accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

on XX/XX/23 at XXXX central I received an email from " XXXX '' stating : Hello XXXX, Your user account has been successfully created. Your Login Name is : XXXX For security, your password will be provided separately. If you do not recognize this activity or find this email suspicious, please contact help desk at XXXX. Regards, Payment Card Customer Service I received a subsequent email from the same address at the same time with a temporary password. The language was similar. To the best of my knowledge I have no business relationship with fisglobal I called the number, and the phone number requires you to either enter a XXXX digit card number or report a card lost or stolen. There is no option to speak to someone if you find this email suspicious. There are no other options that would allow you to speak to someone. I forwarded the email to XXXX on XX/XX/23 at XXXX central with the following text : " Can yall please provide more information on this email? I called the number as instructed but it asks for a XXXX digit card number. I have a number of cards, but also not real crazy about entering a credit card number without any explanation. The only other option was to report a card lost or stolen, so there wasnt a way for me to speak to someone about why I received this email. I have a card or login with XXXX  but it hasnt been used in a long time. '' They refused to respond.
Product: Credit card or prepaid card

I've been a victim of identity theft and I'm suffering from punitive damages. I've mailed letters to all three bureaus and the companies but and still haven't been removed. All the accounts listed are fraudulent and need to be removed! 

XXXX XXXX XXXX {$25000.00} XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX {$33000.00} XXXX XXXX XXXX XXXX {$44000.00} XXXX XXXX XXXX XXXX {$29000.00}
Product: Bank account or service

Citibank offered me a {$400.00} bonus to open a checking account. After doing some research I realized that Citi has been frequently failing to honor their bonuses, so I contacted customer service ( via secure online message ) after opening the account to ensure that I met all of the requirements to receive the bonus and also to inquire as to when the funds would be credited to my account. I have attached this letter confirming that I would recieve the bonus as supporting documentation. On XXXX/XXXX/2017, I contacted Citi via online chat for the second time regarding the funds as this was the date they said the {$400.00} would be credited to my account. The representative again confirmed I would receive the bonus, but said to wait another day for funds to appear. I initiated contact for the third time on XXXX/XXXX/2017 via phone. I have included specific details about this conversation as supporting material. The representative during this conversation stated she spoke with a supervisor and that the bonus would be credited by the end of the statement cycle around XXXX/XXXX/2017. I received that statement, but no bonus has been credited. Finally, I contacted Citi again on XXXX/XXXX/2017 via online chat to ask why they are withholding the bonus. I will include this screenshot as documentation. The representative told me that there was an email sent to me regarding the bonus, but I have never received any sort of communication from them ( mail or email ) regarding my attempts to collect the bonus. I feel that they have been extremely deceitful in dealing with my account given that I met all conditions of the offer as confirmed by XXXX of their representatives and was told I would receive payment nearly a month ago. These business practices are unprofessional, misleading, and unwarranted. I have heard that they have been doing this to many customers and I believe they should be reprimanded for it given that they are offering a bonus and not fulfilling their end of the agreement as stated. I hope some action can be taken and I am thankful that this resource is available.
Product: Checking or savings account

On XX/XX/2023, I opened a new checking account with Truist Bank, online. I created a login and was given access to my account, routing number and account number. I was able to log in without any issue, so I set up my company direct deposit to go into this account. 

A few days later, I tried to login to the account and received an error message stating that my account was locked due to security concerns. A friend of mine had also opened a new account and got the same issue a few days later. 

I called the number provided on the error popup and was told by an agent that they could not unlock my account, that I needed to come into the branch to fix this. This makes absolutely no sense as I have provided all of my personal info, identification, etc. 

I asked to speak to a manager and was put on hold for half an hour, and when the agent picked up, he pretended he couldn't hear me and hung up. I called back again and asked for a manager and was put on hold for another half hour and had to hang up because I have a job and can't sit on the phone with Truist bank all day. 

I believe they want customers to come in to the branch for a sales pitch, or because they want to limit the sign up bonus offer that they have out right now for {$400.00}. To me, this is a bait and switch signup process. They offer a very simple and easy online signup process that is too good to be true, they want customers to come into the branch and if that's true they need to state that upfront and not lie to prospective customers. 

By the way, they have my money and I am unable to access it at this time.
Product: Student loan

XX/XX/XXXX my rate reduction plan was extended. This was confirmed after an extensive financial information check by Navient with myself and my consigner. I received a verbal approval from both the representative and their manager plus was given a confirmation number. I verified my banking info and was checking the correct amount came out my account each month since then. Per the conversation in XX/XX/XXXX this plan was set to last 15 months. 
Today, my consigner 's wife informed me Navient called. I called to check in and make sure everything was all set and was told my account was delinquent. I verified my info and the collections department told me my plan back in XX/XX/XXXX had been denied, but I had not need contacted and they had continued to take out the agreed upon amount. I asked to be connected to be connected to the rate reduction plan line and the 90 day delinquency department refused. They told me I must pay the amount they ensured me I was unable to pay months earlier. I was told someone was supposed to follow up with me but never did. They had no documentation on why I was denied or why I was not contacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to equifax, XXXX, and XXXX  in reference to incorrect information being reported on my report. I have not gotten a response from equifax or XXXX. XXXX responded back and refused to reinvestigate the incorrect information in my report. I have sent method of verification letters to them as well as factual dispute letters. Furthermore they have failed to respond in the appropriate allocated to them under the FCRA. They have also failed to provide me with how they verified an alleged charge off when requested or investigate my disputes which is a direct violation of the FCRA. It is the bureaus responsibility to report accurate info at all times.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT Bank : XXXX XXXX. ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit card

The response from Best Egg credit card issued by XXXX XXXX  and XXXX is irrelative to my complaint and in in its entirety. As of today, XX/XX/, the account is still blocked, and credit balance is held for no reasons. The balance transfer has been completed and authorized by third party company and has nothing to do with Best Egg issued by XXXX XXXX  and XXXX. I have been contacting them almost every other day at number they provided, ( XXXX ) XXXX, and asked for the person in charge, XXXX. Last time I called was XX/XX/. They usually say she is at lunch or at the meeting and will call you back in a few minutes but that never happens. They have asked me to contact the bank that balance transfer was issued from to reverse the transaction ; however, the third-party bank has stated that the transfer was done electronically and can not be reversed. I have explained the situation and response from third party company ; however, they never released the hold on my account and funds.