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

The Credit bureaus stated my accounts was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not reported. 

In accordance with the Fair Credit Reporting act. This accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Please apply these laws to account : 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.

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally ; Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692b - Acquisition of location information not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector. 
The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) 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 States A consumer reporting agency can not furnish an account without written instructions.

In addition, the following collections agencies have committed violations of the Alabama FDCPA Law. Alabama requires all debt collectors to be licensed in ALABAMA in order to collect a debt. 

XXXX XXXX XXXX Also, the Credit Bureaus took more than 30 Days to complete my investigation ALL dispute letters were sent by Certified Mail. Letters sent on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out with frustration and urgency regarding errors on my credit report that I can no longer ignore. These inaccuracies have severely impacted my credit score, limiting my financial opportunities and making it difficult to move forward. It is unacceptable that incorrect information is standing in the way of my financial stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning CFPB, I initiated an investigation into the XXXX account appearing on my Transunion credit file on XX/XX/2022. To date the investigation into the inaccurate account information has not been verified and is still in pending status after 37 days. Also the account was never noted as under dispute once the dispute was initiated. I want this account removed as it has not been verified in a timely fashion and its reporting and lack of the notation that the account has been in dispute for over a month are both violation of FCRA. I have attached documentation to prove my case..
Product: Student loan

I started making payment to get out of default, once out of default i tried to srart working on the debt. After making a settlement release payment of XXXX i got a wage garnishment paper from department of education. They told me i have n't made any payment and the XXXX XXXX XXXX that i was paying was not real. And none of that money even counted as payment.
Product: Money transfer, virtual currency, or money service

On Monday XX/XX/2021 I was locked out of my coinbase wallet account. I had a secondary backup on the XXXX and the wallet application did not recognize my backup. At that point, I had roughly {$11000.00} in the wallet, and currently there is about {$50000.00}. I was in contact with coinbase support off and on for over a week until they finally told me that there was no way for them to reset my account or for me to regain access to my account. I have a lot of money in there and I just want the wallet unlocked or the money back.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Consumer ID : XXXX DOB : XX/XX/XXXX SSN : XXXX ID Type : Drivers License ID Number : XXXX Address : XXXX XXXX XXXX XXXX, State, Zip XXXX : XXXX XXXX, TX XXXX XXXX XXXX Whom This XXXX Concern, I am writing to request an investigation of the following accounts that I have NEVER opened or used. I am requesting the deletion of the following information from my ChexSystems consumer report immediately. Inquiries : XXXX  XXXX XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX XXXX ) XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a student loan in XXXX 2013 for about {$4500.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have NOT found any help. Not to mention how did {$4500.00} go to {$5100.00}?
Product: Mortgage

I filled out an online mortgage application on Truist.com. I uploaded all pertinent docs to include pay stubs, w-2s, large deposit letters, bankruptcy docs. All docs were uploaded successfully. 

A loan officer emailed several days later stating he was working on my " loan approval ''. After having to resubmit most docs that I had already uploaded, he came back with information regarding down payment needed for a conventional loan. I asked if he could look in to the FHA programs as I am a first time homebuyer. He then got confused, asked if I was a veteran, stated a XXXX program was only for veterans. I kindly noted that I was not asking about veteran loans as I knew I did not qualify. 

He then told me, after pulling my credit ( I received alerts via XXXX and other credit monitoring services I am enrolled in ), that I was not eligible for ANY of the programs at Truist, and for me to contact him " on his birthday, XX/XX/2023, to find a program ''. My credit should have never been pulled as I had offered my bankruptcy discharge info on their online application at the very beginning of applying. He was completely unprofessional. I have the entire thread of communication. Now my credit score is reduced, this whole situation could have been avoided at the very start if I didn't qualify for any programs as they had access to ALL OF MY DOCUMENTS and as a loan officer, he should know about his companies products, services and what the eligibility requirements are.
Product: Student loan

Ever since my loan servicer was switched from XXXX to Nelnet, I have had nothing but problems with trying to access their website or log into my account. Over the last two years, I can count on one hand the number of times I was able to successfully log in. Today, the site is completely down and is returning a " 503 Service Unavailable '' error message, displaying only a blank page. This is the case in every browser, on multiple devices, and I had someone else in another city try as well and they got the same result.

I had to contact the main studentaid.gov website to get a hold of Nelnet 's phone number to call for help. When calling Nelnet today, the system asked me to verify my social security number, date of birth, and zip code -- and told me three times in a row that they were incorrect. The representative I spoke to confirmed that their phone system isn't working properly either. He was unable to give me an estimate as to when I'd be able to access my account again.

This marks at least the dozenth time I've been unable to log into my account to check my balance, the terms of my loan, or make changes to payments. For such a large financial institution that services the loans of so many borrowers, this is completely unacceptable. As a XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  myself, I know how things work behind the scenes. From the looks of it, Nelnet needs to fire their entire IT and engineering department and hire a new one. 

If you take a quick look at the XXXX XXXX and search for the term " nelnet '' within that XXXX, you'll see how astonishingly common this experience is. Over the years, people have had nothing but problems with this company, to XXXX XXXX that class action lawsuits are being proposed. Again, this is beyond unacceptable and needs to be addressed. If you have the infrastructure in place to withdraw funds from my account each month, you also need to have the infrastructure to let me log in and change which account you're withdrawing it from! 

Here are some dates that I was unable to access the website or log in due to technical errors with Nelnet 's infrastructure : XX/XX/XXXX ( phone system also had issues ) XX/XX/XXXX ( phone issues too ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( could technically access the site, but the login wasnt working ) XX/XX/XXXX ( could technically access the site, but the login wasnt working ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( down since the week prior ) XX/XX/XXXX ( phones also werent working )
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw on my credit report that a charge from XXXX was showing as a charge off on my account. I did not open this fraudulent account with XXXX. Ive reached out to them several times and was informed they can not assist with this inaccurate fraudulent information showing and they apologize. This has been on reporting fraudulently since XXXX  and I have been going back and forth with XXXX and the credit bureau to get this handled. A police report was filed for this identity theft
Product: Debt collection

The collection agency, Midwest Recovery Systems, was added to my credit report on XX/XX/2018. The debt or the account with the original creditor isnt mines.
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 right to privacy and confidentiality under 15 U.S.C 1681. 

Credit collection service Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 adverse item of information other than records of convictions of crimes which antedated the report by more than seven years.

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

I am writing to inform you that I am a victim of a data breach and request that the following fraudulent inquiries be blocked and deleted from my credit report, pursuant to 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ) : Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

On XX/XX/2020 my husband and I purchased a leather chair from the XXXX XXXX XXXX XXXX. At the time of purchase, we requested that the total amount be split between both of our credit cards. We were told in order to complete that transaction, we would need to first purchase a gift card from my account for half of the balance and the remaining balance would be charged to my husbands account. We also had reward certificates as well as a store credit. 

After several attempts to complete the transaction, the clerk finally confirmed she was able to process the transaction as we had requested. I was provided a screen shot of the transaction which included credits, rewards, the gift card and the balance on my husbands card. 

However, the receipt we were provided from the store showed the full amount on my husbands card. I did not catch this discrepancy at the time and it was only a few days later that I noticed the error on the printed invoice. 

I reached out to XXXX XXXX and spoke with XXXX. She as unable to resolve my issue and said a supervisor would return my call. I did not receive a return call. My husband reached out to have reached out to Comenity Bank and explained the situation. We provided receipts and a timeline of the situation. Comenity Bank agreed to review the situation, but has since refused to issue a refund for the error of {$930.00}. 

The chair has since been returned to XXXX XXXX. My husbands account was credited the full amount but my account has not been refunded {$930.00} for the error in charges. 

I am requesting that this situation be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act accounts : XXXX ( Original Creditor : XXXX XXXX  ) # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX, XXXX XXXX XXXXC ( Original Creditor : XXXX XXXX XXXX ) # XXXX, XXXX  ( Original Creditor : 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 instruction.
Product: Credit reporting or other personal consumer reports

Un- authorized Inquiries and accounts XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXXXXXX XXXX Account : XXXX REMOVE THIS IMMEDIATELY!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have completely resolved my federal XXXX loans, and I need my credit to reflect that as I am working with a lender to purchase a home.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and there are fraudulent accounts reporting to my credit. Fraudulent Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have attached my FTC report and a copy of my ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been YEARS now and nothing changed. All of these companies refuse to change dispute but advise one already opened. HaHa no kidding! When does the consumer get a fair shake. It's always the lender who is correct regardless of information provided, and it always takes longer than allowed but who cares! letter 's written, calls made, emails, CFPB. Complaints in my opinion all a fraud of great magnitude designed to keep people in financial bondage! Hey the record in writing evidently confirms it! Here is XXXX reply to current report which has given us a low score and adverse action just yesterday! Killed by the other two XXXX and TransUnion. 

Know your rights REALLY WHAT RIGHTS HAHA A Summary of Your Rights Under the Fair Credit Reporting Act The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to www.consumerfinance.gov/learnmore or write to : Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, D.C. 20552. OPINION WHAT GOOD IS THIS? A WASTE OF TIME!!!! 
Submitted warning Disputes submission failed! 
XXXX XXXX Other reason Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. ] If you do have additional information, you can You can also contact us at ( XXXX ) XXXX or contact your data furnisher for more info on how to move forward. When do you correct the complaint!!!!! 

CREDIT UNION Other reason Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. ] If you do have additional information, you can You can also contact us at ( 855 ) 414-6048 or contact your data furnisher for more info on how to move forward.

CAR LOAN Other reason Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. ] If you do have additional information, you can You can also contact us at ( 855 ) 414-6048 or contact your data furnisher for more info on how to move forward. ''
Product: Credit reporting or other personal consumer reports

I have addressed these issues numerous times, but the bureaus have not responded to my complaint. Please delete all the accounts and inquiries listed below. I sent my letters on XX/XX/XXXX, and am awaiting your prompt response. Delete these items immediately! 

XXXX XXXX XXXX. XXXX, XXXX {$270.00} XXXX XXXX XXXX XXXX, XXXX {$900.00} XXXX XXXX XXXX. XXXX, XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$4100.00} XXXX XXXX XXXX XXXX, XXXX {$2000.00} XXXX XXXX XXXX XXXX, XXXX {$900.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$4100.00} XXXX XXXX  XXXX XXXX, XXXX {$900.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$880.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$1000.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX CXXXX XXXX XXXXI Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

in accordance with fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 a section 2 states that consumer reporting agency can not furnish an account without my written instructions. under 15 usc 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

The accounts that harbor late payments that you are reporting are as follows : XXXX XXXX Opened XX/XX/XXXX XXXX XXXX Opened XXXX XXXX
Product: Credit card or prepaid card

Back in XX/XX/2022 my husband 's credit card was lost/stolen. I reported the fraudulent charges on the account. They started an investigation and I was credited for all these charges on the account. 3 months later in XX/XX/2022 the transactions re-posted on the account. I contacted them and they stated I needed additional documentation to support the fraud claim. I sent the Police Report, Fraud Affidavit form, Timestamps from my husbands job ( some transaction took place at hours my husband was at work ), Store/Merchant receipts ( went to some of the closer merchants and requested receipts ) and etc. I sent out these documents in XXXX ( via fax and mail ). I was told that the fraud case was denied because there were transactions months apart. I found out that a transaction made in the month of XX/XX/2022 ( which I didn't report as fraud was added to the fraud claim ). I told them to confirm and go back to the recording where I called to report the card as lost or stolen. They were able to verify that I didn't state this charge as fraud and took it off of the fraud claim. In XXXX I sent additional documents and never received a letter stating the status of the claim. I have only received calls from Customer Service stating that my account is past due and I have to make a payment. How I'm I going to pay for charges I didn't do? 

There is a total of 20 transactions ( highlighted in red in attachment provided ) for a total of roughly {$7000.00} dollars + interest charges and later fees. After several months and requesting a supervisor/manager call back today I was contacted by a Manager and was told this. It's a disgrace. 

They are still denying the fraud on the account and want for me to go to all the merchants and get a letter from them stating that my husband wasn't the one that made the charges. This is something that has been going out for months and still no resolution. I have already contacted a lawyer and want to proceed with legal actions.
Product: Mortgage

did a loan modification. did not like the terms ; appealed it. they never addressed my concerns in the disagreement and just sent me another copy of the same agreement. escrow shortage ; I sent the money ; they sent it back. all month of XXXX I'm trying to resolve. today XX/XX/19 I call and they tell me my modification was denied because I did not send in a payment. who pays when you have disagreements? I am so tired of them. this all started when the government shut down and my husband passed away.