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

Good Afternoon, What company, entity, or organization is engaging in conduct you believe violates the antitrust laws? 
XXXX XXXX and Credit Reporting Bureaus How do you believe this entity may have harmed competition? 
XXXXXXXX XXXX sold several accounts to other Mortgage institutions, which closed the old accounts of several mortgage holders ( me being one of them ) and transferred them to the new mortgage company. 

As a result, it was reported as a closed account to the credit bureaus, which caused my credit score to drop an average of XXXX points. The same is happening for people who sell their homes. With lower credit scores, people now have to acquire less favorable interest rates and terms on new loans and have their existing creditworthiness come into question by other creditors on their files. 

What is your role in the situation? For instance, are you a customer, competitor or supplier? 
My mortgage loan was transferred from XXXX XXXX to XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX was reported as 'closed, ' which caused my credit score to drop by XXXX points. I am in the middle of applying for a second home loan and was told that my rates will dramatically change with a XXXX point drop on my score. 


I contacted both XXXX XXXX and all credit reporting Bureaus and was told that there is nothing they can do. According to 15 USC CHAPTER 41, SUBCHAPTER III : CREDIT REPORTING AGENCIES, the Accuracy and fairness of credit reporting is manipulating and " directly impair the efficiency of the banking system. ''
Product: Student loan

I had gone into default, started paying back to XXXX, went on a rehab program for 9 months of payments to get on good standings & out of default. XX/XX/XXXX to XX/XX/XXXX. After that my loan was turned over to Navient they had said I did not need to pay till XX/XX/XXXX, but I paid in XX/XX/XXXX & have made payments since then of XXXX a month.My payment was to be {$5.00} a month.Applying {$5.00} to each loan. 
My complaint is that now they want me to paid {$190.00} or more a month, I 've explain to them that i can not make this kind of payment. I 've been telling them when my payment for XX/XX/XXXX went to {$190.00}, called them XX/XX/XXXX. At that time was told to go to their website to change payment their repayment options they only give you change your payment forbearance & deferment I did that and it said i should be paying {$350.00} with the info they needed on web site. 
Was told in XX/XX/XXXX that i could apply & qualify for an Income-Driven Repayment Plan, given the option to apply online or to print my application, I was sent the link by e-mail to do this : sent in on XX/XX/XXXX I applied. According to the Student Loan.gov web site I qualify for the Income-Driven Repayment plan since I do not make a lot of money ( {$8500.00} last year 's taxes. ) I was told it would take 16 days to process and be in touch with me.Had not received no notice from them on anything about this. 
I called today XX/XX/XXXX since I received a bill saying my payment is to be {$180.00} due.When I spoke to them today they said I did not qualified since or they ca n't process since some payments are not due till XX/XX/XXXX.I had to be current not ahead. 
I explained again how I cant afford these payment, Navient said that she would make a ticket to see if can be put on Income Driven Repayment and put my payments on a payment calendar so my payments are current. Not sure what that all 's means.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't 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 a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have Major Inaccurate information on all 3 versions of my Credit/Consumer Report from the Top 3 Reporting Agencies/Bureau's/Companies who took the assumption that my information is accurate and in all Truth, all of them have Conflicting information from their assumption leaving me with legions of inquiries hard and soft.Conflicting starting dates on many Instances that has left me without on numerous occasions that I was stereotyped by false and poorly placed derogatory and inaccurate items on my Report depriving me of things I could have easily obtained rather housing, job placement, small business loans, low or any interest loans that people with good credit receive with minimal effort.I included a few vital instances that for sure disqualified me for the simple fact that all 3 per se providers who's top priority is accurate Credit reporting is one of a kind.I beg to differ.
Product: Debt collection

I told them to just send the balance to my credit report because I couldnt pay due to losing my job. I closed my account and everything. They continuously call all day and from different numbers.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax website will not allow me to see my information nor remove the credit freeze from my Equifax profile. 

Equifax asked me several questions which I had answered all but 1. The last question was " what was the exact date that you had placed your credit freeze and fraud alert? '' I do not recall the exact date and I had provided the year. They are saying that isn't enough, regardless of answering all of the personal questions correctly. 


I have been trying to resolve this issue for 3 months and I had mailed the requested documents to Equifax at the address provided from them in XXXX and XXXX. The requested information is attached which is my social security card, ID, and proof of address. 

No one at equifax will help me nor do they know where the documents went. 

My identity had been stolen and used several times before, and sending my social security card to companies are more than likely the reason why. 

Names keep appearing on my social security number and from Equifax as parties unknown had used my social security number since the early 1990s. I have experienced multiple issues with this and suffered financial hardship in becoming a constant victim of fraud. 

I have used FTC, local law enforcement, and various ID theft prevention services with no positive outcome due to my social security number being compromised in connection with Equifax.
Product: Mortgage

On XX/XX/2020 I in house refinanced with the same mortgage company " Sunwest Mortgage company inc. I had XXXX left in my escrow account everything current paid that includes insurance and taxes. They kept XXXX of my escrow account without my approval for corp funds. I question them and they said a mistake was made with the amount on refinancing and that the reasoning for keeping part of my escrow account. The called that a corp funds so they kept part of my escrow.. 

I look forward to your rely and a resolution to my problem.
Product: Debt collection

In 2021, I signed up for a fake loan, basically, with Self Financial. They don't actually loan you money, but you pay on a sort of dummy loan to build credit. I was unable to make payments like I thought I would, so tried to close the account. Now it's on my credit report as a charge-off. They have my money, they never lent me any money, but it's charged off and in collections. I don't think this type of program should be legal. They charge very high interest for people to pay them in the hopes of repairing credit, but it's hurt me more than anything. I also tried to close my secured credit card with them and had about {$110.00} in funds that I'd paid onto the card due back to me, but that account is also now on my credit as a charge-off. I've tried calling them, and also disputing these on my credit. I'm being turned down for auto loans and my score is worse than when I signed up for their products.
Product: Debt collection

LVNV funding placed a collection account on my credit files after I made payment arrangements. I don't think it's right to do this. I can only make {$18.00} a month. Which they accepted. So it shouldn't have been placed on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX & XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 state s a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

SNAP DEBT RECOVERY XXXX XXXX XXXX XXXX XXXX I have no account with this company. They have violated my rights over and over again!!! 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Company responded that I settled payment and arrangement. Our client, XXXX XXXX, submitted a debt to our office owed by XXXX XXXX XXXX. All supporting documentation has been provided to the claimant and the debt he owes has been validated. The amount owed is {$1900.00}. On XXXX XXXX XXXX XXXX offered to settle the debt for a one time payment in the amount of {$1000.00} which our client authorized this office to accept. XXXX XXXX never made a payment of any kind, in any amount. XXXX XXXX contact this office on XX/XX/23 and was advised we would still accept the {$1000.00} settlement to resolve the debt. He again promised payment stating he would call back with payment information. As of today, no payment has been made. Please provide dates, contact names, times, employee record, call logs and alleged original debt contact with authorization form which i gave consent to release my information with negative credit reporting. I have NEVER CONTACTED NOR SIGNED ANY AGREEMENT WITH THEM. I DO NOT HAVE AN AGREEMENT WITH YOU. EITHER REMOVE THIS FILE IMMEDIATELY OR I WILL FILE A LAWSUIT FOR VIOLATIONS and REPORTING INACCURATE DATA WITHOUT CONSENT.
Product: Credit reporting or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX XXXX XXXX , FL XXXX XX/XX/XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXXXXXX Balance : {$800.00} XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$4000.00} XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$3900.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$160.00} ( Original XXXX : XXXX XXXX ) XXXX Balance : {$370.00} XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX {$22000.00} XXXX XXXXXXXX Balance : {$800.00} XXXXXXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX Balance : {$4000.00} XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$4000.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DPT ED/XXXX XXXX Balance : {$0.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared.
Product: Credit card or prepaid card

I applied for the capital one venture card XX/XX/2023. In response I got a request for proof of income. I sent in my tax return documents ( as listed in their list of documents that can be provided ). That document was not accepted as it was a joint tax return form. They wanted additional information to show proof that I have access to my household income ( aka my husbands income ). I filed a complaint with CFPB and capital one at that point sent me a letter saying they needed a notarized document from my husband stating I had access to his funds.this makes no sense as we are married, live in the same home and have joint bank accounts. I complied and sent them a notarized document. Even after sending this they didnt accept and said they wanted more information on how much amount I have access to and the frequency. The letter clearly stated I have access to all of his funds including bonuses, investments and rental incomes and assets. I complied once again and sent a notarized letter stating a monthly amount and frequency. They have again not accepted this because now they want proof of my husbands income. This is so stupid and ridiculous. They already have the income tax return they can clearly see his income. I find this whole process harassing and mentally draining. It is an insult that I have to keep sending them stupid information that has no basis. They have no common sense.. my husband doesnt pay me monthly or gives alimony, it is household income and according to the law it is considered mine and I obviously I have access to it. I feel that capital one is being discriminatory against me for being a female and a XXXX XXXX XXXX XXXX and just finding reasons to not process and are delaying my application. They dont even connect me to the person processing the application which is ridiculous. 
If I knew this was the horrible and painful process of applying for the capital one venture card I would never apply for it. It has already created an unnecessary hard inquiry in my credit report.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act your credit reporting agency is in violation of the FCRA 15U.S.C. 1681b ( a ) ( 2 ) because I did not give CONSENT to furnish the accounts listed below on my Trans Union credit report.

FCRA 602 states I have a right to privacy and FCRA 604 states a credit reporting agency can not furnish an account without my written instructions. 
I gave no one CONSENT, PERMISSION or instructions to furnish these accounts on my credit file, they are in violation of the aforementioned laws. 
Remove every account listed below immediately because they are violating my privacy. My NON PUBLIC PERSONAL INFORMATION is private and FCRA 1681b ( a ) ( 2 ) protects my rights as it is clear this information should not be reporting without CONSENT from me because I gave no one at Trans Union any instructions to furnish these accounts as provided under 1681b ( a ) ( 2 ) and FCRA 604 ( a ) ( 2 ). Delete the 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  If any accounts listed above are not DELETED from my Trans Union credit report then I am officially requesting in advance under 15 U.S.C. 1681i ( A ) ( 7 ) / FCRA ( 6 ) ( B ) ( iii ) ALL the procedures used that you may alledge led to any of the ( 3 ) accounts I am disputing in regards to 1681b ( a ) ( 2 ) and FCRA 604 ( a ) ( 2 ) to be verified.

Also I am requesting the name ( s ) of the person ( s ) you spoke with along with their telephone numbers and address in accordance with 15 U.S.C.1681i ( A ) ( 7 ) / FCRA ( 6 ) ( B ) ( iii ). 
I understand that this information would require that Trans Union send me the information within 15 days or I can sue Trans Union for not providing the information in a timely manner and collect {$1000.00} in a court of LAW for that isolated violation.
Product: Checking or savings account

I am writing to file a complaint formally regarding multiple overdraft fees that were applied to my account. These fees were assessed despite having sufficient funds available when the transactions were authorized. However, I was unfairly charged overdraft fees due to the delayed posting of charges and credits. The issue appears consistent with the recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions were settled with insufficient balances despite initially having adequate funds. I believe these practices were deceptive and unfair.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation. 
XXXX XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXXXXXX Balance Owed : {$190.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax closed my complaint and did not fix errors on my credit report. I am a person not a credit repair company
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX HAS FRAUDULANTLY CHANGED DATES ON AN ACCOUNT THAT IS WELL PAST THE STATUE OF LIMITATIONS FOR COLLECTIONS. XXXX XXXX XXXX WAS CHARGED OFFIN XXXX BUT XXXX XXXX HAS REPORTED THE A CCOUNT AS BEING CHARGED OFF XXXX YRS LATER NOT ONLY VIOLATING MY RIGHTS BUT ALL LAWS GOVERNING ACCOUNTS BEING REPORTED TO CREDIT BRUREAS. REPORTING FRAUDLANT INFORMATION IS ILLEGAL. CHANGING AND ALTERING CREDIT INFORMATION IS ILLEGAL.
Product: Bank account or service

I have a XXXX year CD from XXXX Bank that matured on XX/XX/XXXX. It was supposed to have renewed at the same rate as before. My Personal Banker had called to confirm that since Bank of America did not offer a XXXX year CD, they would be bound to honor the original XXXX year rate renewal terms. 
However, upon the actual renewal, they claimed that the could no longer find the terms told to us anymore and that they had elected to use the XXXX year term at 0.15 % instead. 
I found and sent my original CD terms document and sent it in via my Personal Banker who has really been my Advocate, since the Bank of America Representaive that informed her about my renewal terms and rate was so specific, even citing Special Terms that including a Final XXXX year Renewal that would terminate my CD in XX/XX/XXXX, without exception. Upon inquiry now, again BOA is denying its existance. 
I will attach my supporting documents as you have instructed me. 
Thank you very much for your assistance in this matter.