23daVinci/CFPB_Complaints huggingface dataset:
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  Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXX ( Original Creditor : 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 an 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: Mortgage

New complaint needed as a Balloon Payment will be due at the maturity date of loan, but the loan servicer that set that in motion will not specify that in the most recent correspondence as requested. Being transparent as the consumer is, the non regulated loan servicer issues have made my ability to have a secure decision with changes in streamline and different tier and DTI, NVP that servicer has changed since XX/XX/XXXX drive by with their advantage with a low ball appraisal and not advising of canceled compared to declined modification which apparent allocation of previous trial modification payments went to past issues not the rear of loan as described. Chapter XXXX attorney that requested all info about loan to his office staff, reneged on helping with modification as his staff was given all information pertinent to doing just that. Attorney was censured and gave me legal right for substitute attorney which also dropped out of representing me due to his ability to easily back out. JUDGE XXXX knows him ... ... He called her from his office with me present about being substitute. XXXX XXXX is in jail as he is corrupt with real estate and XXXX XXXX FRAUD, as his office allowed XXXX XXXX, the practice manager and paralegal and an Associate Attorney XXXX XXXX take funds to represent and provided representation without TRUSTEE approval and then derogation found out with no contract provided. Questioning XXXX later, he said XXXX was let go for wrong doing. He later opened his own office. Calling his office, found XXXX employed by XXXX, a joke. Pursuing reimbursement, was told by XXXX XXXX representing XXXX XXXX to call XXXX because XXXX a Wealth management attorney went back to New York after removing himself from XXXX XXXX and XXXX firm. XXXX XXXX XXXX. Transparent issues with legal representation being a hurdle because of original chapter XXXX attorney issues, XXXX XXXX, XXXX and XXXX counties. Case was reaffirmed due to his lack luster attributes with trustee payment not reduced as mod was approved. Fault of Legal Council, ... ... complicating due process.
Product: Credit card or prepaid card

This company sent a American Express membership offer to my home address and I did not apply or seek out any information regarding American Express credit cards. The company sent a welcome offer to my home address for my XXXX called XXXX XXXX XXXX XXXX. They've mailed the request at least three to four times to get my attention with a terms and conditions attachment asking me to apply online with a RSVP CODE. After entering the approval code for credit by the due date the company sends a denial of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

my Credit Card Score got down starting of XX/XX/2022. I suppose the cause is the inquiries
Product: Credit reporting or other personal consumer reports

My personal/financial info was compromised without my authorization. This violates the FERPA ACT/ PRIVACY ACT OF 1974 and HIGHER EDUCATION ACT. This is a breach of my information. I request that you immediately cancel and discharge my student loans in full as they are void UNDER THE LAW. Given the severity of this breach and the resulting compromise of my personal and financial information, this makes my student loan repayment VOID UNDER the protections I have mentioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in multiple documents that was asked of me. Transunion keeps ignoring my request, experian will not remove old addresses asked of them and XXXX updating my information wrong.
Product: Checking or savings account

I have a few accounts with Wells Fargo and when I used my card on an XXXX XXXX  my card was hacked and there were XXXX transactions for {$300.00} each charged to my account and another charge for almost {$1000.00} and Wells Fargo let it go through and now they say my account will be on hold for 10 days. This is putting my life on hold because my account is negative. I don't know how they allowed all these transactions to go through. This has put a great hardship on me and my family and they seem to care less. I reported this as soon as I noticed it the same day it happened XX/XX/year>. It is now XX/XX/XXXX and they haven't even offered a provisional credit. It is obvious that this is fraud!!!!! and they did not even stop the transactions.
Product: Checking or savings account

An account was opened in my name at Bank of America on XX/XX/2022. I have contacted Bank of America and had the account closed. However the Frauder used a previous address to open an account and I have not lived there for 4 years
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes starting back in XXXX with the credit bureaus for an account on my credit reports. The account is with XXXX XXXX. The issue that I am having is that the account is reporting inaccurately on my credit reports. When I first started monitoring my credit in XXXX I noticed that the account was reported as a collection/chargeoff on my XXXX and Experian credit reports and Late 120 days on XXXX. When I looked at the payment history while Experian was reporting the account as a collection/chargeoff, XXXX was reporting it as 120 days late and OK at the same time. I disputed these inaccuracies and asked that the account be removed from my credit reports. The dispute results came back that the account was verified as accurate. When I checked my credit reports in XXXX the status of XXXX was changed from a collection/chargeoff to late 120 days and the payment history for XXXX was changed to OK at the same time that Experian was reporting as a collection/chargeoff. As I continued to monitor my credit reports, Experian changed the status from collection/chargeoff to Late 180 days. The account has also been continually reaged. I have disputed this account several times including in XXXX and XXXX and each time the account has come back as verified. The inaccuracies have severely affected my credit score and have prevented me from being able to purchase a home.
Product: Student loan

I had been calling Mohela PSLF phone number for 5 days now. Each time, a representative has picked up the phone and upon hearing my question, told me that they were unable to help me and transferred me to a different department ( not sure what department is this as I asked multiple reps if theres a direct number to reach them ).

Once I get transferred, I am on hold for more than an hour and still nobody picks up the phone ( not to mention an hour long wait to reach the first rep ).

Is there anyone that can help me answer my question? This is beyond frustrating to be on hold for so long and then the person on the other side isnt able to help you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fully paid off a collection account to have tagline removed. All but experian has remove the account. They have not update the balance or removed the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV Funding-XXXX  is reporting a balance on my account and is continuing to update. I have paid this account and it should no longer be showing that I have a balance. It is negatively affecting my credit and it shouldn't be.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has repeatedly denied my dispute requests and refused to open disputes via online and certified mail submissions. This is regarding accounts : * XXXX XXXX XXXX XXXX {$1600.00} original Texas XXXX XXXX which was paid by XXXX XXXX on XX/XX/21. 
XXXX XXXX XXXX CO XXXX Original UT XXXX {$82.00} XX/XX/XXXX XXXX XXXX originalXX/XX/XXXXXXXX {$600.00} I demand deletion of these accounts as I requested dispute and they have not coooperated.
Product: Credit reporting or other personal consumer reports

" According to the Fair CreditReportingAct 15 USC1681 section 602 a states '' There is a need to insurethat consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and arespect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies andI am the consumer. I have the right tomake sure my private information isn't shared which is backed by 15 USC6801 which states '' It is the policy ofthe congress that each financial institution has an affirmative and continuing obligation to respect theprivacy of its customers and to protect the security and confidentiality of those customersnonpublic personalinformation. '' ( Furnisher of informationto credit agencies ) is a financial institution by definition under that title. 15 USC1681 section 604 a section2 states that " In general subject tosubsection ( c ), any consumer reporting agency may furnish aconsumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely donot have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher ofinformation to credit agencies ) whetherit beverbal, non-verbal, written, implied or otherwise is revoked.

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non-public personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise thatnon-disclosure option. '' ( Furnisher of information to credit agencies ) Neverinformed me of my right to exercise my non-disclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorizedunder subsection ( b ), no consumerreporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records ofconvictions of crimes which antedates the report bymore than seven years. '' This account is an adverse item theyare reporting again without my permission which is against the law. 15 U.S.Code 1681s2 ( A ) ( 1 ) Astates " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonablecause to believe that the information is inaccurate.

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c ofthis title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

Equifax and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' Aconsumer may exercise the right to opt out atany time. '' I am opting outof your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I graduated from XXXX  XXXX in XXXX. XXXX of my XXXX student loans was assigned to Navient, and the rest to a different organization. I attended graduate school at the XXXX XXXX XXXX  from XXXX to XXXX. Apparently, in XXXX of XXXX Navient attempted to start collecting on my XXXX student loan. However, they never informed us of such. The only method Navient used to attempt to reach me was, according to them, through my XXXX  XXXX email that I have not used since XXXX. In fact I do not believe I even have access to that email anymore. Navient did not send any bills to my permanent address, which has been my permanent address since XXXX, nor did they use any other method to reach us. In XX/XX/XXXX I attempted to refinance my student loans with XXXX. I've had good credit my entire life. My loan was denied. The reason for my loan was because apparently Navient put a massive hit out on my credit when we had no notification of bills being due. We moved quickly to address this, challenging the hit on my credit with all 3 reporting agencies. However, it is now the end of XX/XX/XXXX and I was just denied refinancing again because of Navient. Navient has updated the report to indicate that we have paid back what is owed and up to date on payments, but they are refusing to remove the hit on my credit report with XXXX  stemming from 4 months of bills that we never received XX/XX/XXXX through XX/XX/XXXX. When I spoke with XXXX  for an hour on the phone they opened another challenge to this hit on my credit, but indicated that the only factors they will consider are whether or not the payments were late, which they were which leaves the decision to remove the damage to my credit entirely up to Navient which has thus far refused to undo the damage they caused, or to file a fraud report with the police or the FTC.
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 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: Money transfer, virtual currency, or money service

On XX/XX/2023 at about 4 in the afternoon, I was unfortunately a victim of Zelle fraud. I was doing a sale on XXXX XXXX  and someone of the name XXXX XXXX shared interest and set a date time to pick up my XXXX XXXX  for XXXX $ since they " were out of town '' they were going to zelle me and I was going to drop it off at the cousin 's. I eventually got an email from " zelle '' saying that there was XXXX $ pending because the person sending me the money had to send a higher amount, so XXXX messaged me asking for the {$300.00} back I was hesitant but they were very polite and also had an email on their end. I fell for it and sent them the money. Then a few minutes later I get another email and realize I fell for a scam. I sent the Zelle for an amount of {$300.00} to a XXXX XXXX under the email XXXX. I called XXXX XXXX XXXX and was transferred to their Zelle fraud department and they said they would file a claim but given that the Zelle was already sent and to a XXXX XXXX XXXX  I would likely not be able to get it back so I am trying to see if I have better help here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters and paid in full receipts to REGIONS BANK no response in return within 30 days. I also sent letters to XXXX XXXX XXXX XXXX about my account paid in full and they still have it showing as derogotory balce {$0.00} which shouldnt be not be reporting anything negative.
Product: Credit card or prepaid card

I received this card earlier in the year and have used it heavily because it gives me airline miles for my purchases. I have never been late on my bill and Ive actually paid off the full statement balance every time I have use the card. And roughly 6 weeks ago I received a letter from Barclays saying that my account was under investigation. They requested a copy of my transcripts from the IRS. Ive had some problems with a previous accountant who had my XXXX and XXXX taxes in complete disarray. It took me some time to get my taxes filed so transcripts would be available. Barclays did not have anybody available to have a conversation or to consult with about this investigation. I called and spoke to somebody three times holding for an hour to an hour and a half each time. Every time I called in they really couldnt tell me anything other than to get the information that the bank was requesting in. I was never even told why my account was being investigated. I protested the cancellation and sent a letter to the Office of the president at Barclays including the transcripts that they requested. I did speak to a very nice lady but she told me that a decision has been made already and there was nothing they could do to reverse it. As a result this shows up negatively on my credit report. I take my credit very seriously and I find it troublesome when negative information has to appear on my credit report even though I lived up to my commitments and paid my bill 100 % on time. They even pulled my credit which has another inquiry on my credit report that I did not authorize. I never ever had a problem paying my bill and I had some huge balances I felt like I was a very good customer and living up to my end of the card holder agreement. Barclays customer service through this process was extremely difficult to deal with with long hold times And once you finally got through nobody could really tell you anything It was like a big secret. What an awful way to treat your customers. I wish I wouldve never applied for this card Had I known this is the way they treat their customers I wouldve avoided this.
Product: Payday loan

Wells Fargo Bank of California charged my checking account {$500.00} without my knowledge or authorization. At the time Wells Fargo called their payday loans a " direct deposit advance '' which they know longer have that program due to consumer complaints. My checking account was put into overdrawn status, with overdraft fees instituted monthly, {$35.00} each month until they closed my account without my knowledge or authorization. Now that " direct deposit advance '' is more than double the original {$500.00}. I can not open another bank account, and have a strike on my credit reports. I can not get Wells Fargo to rectify the situation. I banked with them for almost ten years before this with no overdrafts. The first payday loan occurred in XXXX with renewals up until XXXX. Numerous checking and savings accounts were also opened without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

My " OPEN '' trade-line with XXXX XXXX never gets updated unless a file a credit dispute with consumer reporting agencies. I submitted CFPB complaint XXXX, back in XX/XX/2018, because the trade-line had not updated in several months. Here we are again, several months later, and the trade-line has not been updated since I filed my last dispute back in XX/XX/2018. It seems that they have some sort of systemic issue, which prevents my information from reporting accurately to consumer reporting agencies. My balance is incorrect and date of last payment. According to credit reports I have seen, this trade-line was last updated in XX/XX/2018, again, is when I filed a complaint for the information not updating. XXXX is required to furnish accurate data on my account every month according to XXXX guidelines, and they are failing to do so. There appears to be a disconnect between XXXX XXXX, and CRAs, with respect to updating the trade-line in a timely manner.
Product: Debt collection

A request for debt validation was requested via phone on XX/XX/2024. I requested at that time that all further communication be in writing. On XX/XX/XXXX Genesis mailed a letter, not a validation of debt, demanding payment. They now call me daily to collect this debt I do not owe the originating company any money. I have written agreements from authorized agents of the originating company that I do not owe anything for the items they are claiming. 

The underlying debt is invalid, Genesis ' claims are invalid and their tactics to collect the debt are in voliation of legal practices.
Product: Debt collection

Hello, This company sent TWO letters to an address NOT associated with ME! Has never been associated with ME!

They sent two letters to XXXX XXXX XXXX, XXXX NJ. 

That address has never been on file with Bank of America ( the credit card owed ). 

The person residing at that address now knows personal business of mine. 

This is unfair and a violation of the Fair Debt Collection Practices ACT. 

I am entitled to {$1000.00} per violation so {$2000.00} in this case ( 2 letters ) I will contact my attorney ( XXXX XXXX ) in case that this is not resolved correctly.