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

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. XXXX 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 been having a problem for several months now with the report of a charge-off account with ONEMAIN ( XXXX ) on my credit history, which is causing me financial difficulties. This account is legally paid, which means I fulfilled my obligations with it, and I considered the matter closed at the time. However, I discovered that the account is being reported on my history without my knowledge and consent. I have disputed this with the bureaus and the company in question, requesting documentation to validate the information. I even filed a complaint with the bureaus requesting its removal from my report. However, the bureaus claim to verify the account, and the company has chosen to ignore my requests. Therefore, I decided to file a complaint against them directly, requesting that they remove the account since I have found that the account is providing inconsistent information among the three bureaus, with discrepancies in fixed data such as : high balance, date of last activity, date of opening, date of last payment, among others. In my inquiries regarding this matter, I learned that the information delivered to the credit bureaus must match entirely for each of them. Therefore, the fact that the account is reporting discrepancies among the credit bureaus indicates that incomplete or unverifiable information is being provided, which means the company is violating my rights based on 15 USC 1681 section 604a section 2, 15 USC 1681e ( b ), 15 USC 1681i ( 5 ), 15 USC 1681s ( 602 ) ( a ), and 15 USC 1681s ( 604 ) ( a ), sections that indicate the failures the company is committing.
Product: Mortgage

Im contacting you in hopes that you can reach out to the lender on my behalf. I have been submitting income documentation since XX/XX/XXXX to the tune of XXXX documents. Multiple bank statements from 4 separate accounts ( business and personal ), multiple LES, child support orders and the support history from the OAG office and they still sent my application back again today stating they need more information. 

The dashboard does not state what information is missing. They make me call and speak to a customer service representative, who doesnt even work with the loan officer team. I have not been able to speak with any of the loan officers directly about my case and I truly believe that they are purposely delaying my application so that can cause my loan to go into a default status. 

They have kicked my application back at least 7 times in XXXX alone. I submitted the documentation for another expense on the XXXX XXXX XXXX statement I submitted back in XXXX that they just now requested along with a Payoff letter for the account and a letter of explanation all on the same day. I called XX/XX/XXXX to follow-up since I have not gotten a response on the status since the last documents were submitted XX/XX/XXXX and I was told nothing else is required. Now, yesterday XX/XX/XXXX they are saying they need another letter of clarification even though I provided that already. 

I have attached a screenshot with all the documents submitted to date since XXXX. I have also attached the documents from the expense they requested clarification on earlier this month. They told my VA rep they did not receive them per the emails that I attached, but you can see the date of submission is XX/XX/14 in the screen shot from their portal. 

My property mortgage pay-off balance is {$130000.00} is appraised at over $ XXXX, so I it's evident what they are trying to pull. 

I am veteran. This is intentional and discriminatory. They are denying me a fair opportunity to modify my loan under the VA protections against foreclosure and to lower interest and they are purposely trying to delay my application until the program expires. My income qualifies for a $ XXXX loan modification and I have proven that XXXX times over.
Product: Checking or savings account

Description of complaint : I had a transaction of {$31.00} for XXXX went through on XX/XX/24 for which my balance was {$39.00} & it showed cleared on XX/XX/24 but when I Checked the account on XX/XX/24 it showed returned with a {$36.00} fee. I called truist bank on XX/XX/24 spoke to XXXX at XXXX & are was no help. I asked for a supervisor & she called me back & I spoke to a supervisor named XXXX at XXXX was no help. 
Desired settlement : I need the {$36.00} waived & they offered no options to help & I have {$500.00} in my savings account to cover overdraft fees.
Product: Debt or credit management

i was told by workers from Experian that they do not have to validate the debt. i requested proof of debt and they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is reporting that is not my account
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  XXXX Bankruptcy - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX Bankruptcy - XXXX - XX/XX/XXXX - {$00.00} INQUIRIES : 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

recently i looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. 
her is the item i am asking you to verify as accurate : XXXX XXXX XXXXXXXX XXXX
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. 

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681Section 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: Payday loan, title loan, or personal loan

The lawfirm of XXXXXXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX, XXXX. represent XXXX XXXX and XXXX XXXX regarding the purchase of an RV from XXXX XXXX XXXX XXXXXXXX XXXX financed by Bank of the West. The RV was returned to Grand Design on XX/XX/2023, while XXXX XXXX has continued making payments to Bank of the West while we work on his case against XXXX XXXX and Lazy Days. Since XX/XX/2023 we have been calling and emailing Bank of the West Loss Mitigation Department XXXX and customer service at XXXX requesting a short payoff regarding this loan. 

It is impossible to receive a call back or speak with anyone who will assist regarding this loan. Attached please find copies of our third party authorization, emails I have sent and details regarding this loan. 

Today I spoke with XXXX at the customer service number XXXX, she refused to give her id number. Transferred me to the loss mitigation department where only a recording tells you to leave a message. I called customer service again spoke with XXXX ID # XXXX, explained to him that no one returns my calls nor responds to my emails and I asked him to please put me on the phone with a supervisor, he agreed to do so, placed me on hold, and after a while passed the call simply disconnected.
Product: Debt collection

I was a victim of identity theft, and I reached out to the company nelnet to let them know my situation, I mailed in my police report, affidavit, and every document that was requested. After following up on things, nelnet informed me the information that I sent in was not good enough, they said they have documents that I signed where I agreed to pay this loan, I stated it was impossible because my identity was stolen so it wasn't me, I asked them to mail or email me the documents so I can see them, they refused. So I have reason to believe that they are forging signatures to make consumers responsible for loans. Please have them provide the original contract that originated this so called loan and any other documents with signatures on it. I have reason to believe that this company is violating the fair credit reporting act and committing fraud.
Product: Vehicle loan or lease

I got behind on my car payments. I owe around XXXX and the car will be paid for in full. i was paying as could and i was keeping in touch with them. they then cut me off from making payments online because they said they could not take my payments unless they were they full amount. i tried to pay over and over no matter how much it was and finally after being given such a hard time i just stopped. they weren't calling me either. last night my son and i went to XXXX XX/XX/22 and we came out and the car was gone. i called them they would not tell me how much i owe and will not take any money for it for me to get it back until i get my tax money to completely pay for it. or to pay it as i had money to make sure they told the impound lot that i did want my car and to not send it to an auction. they told me they can not give me an exact amount either because they have to wait on a letter to be done and that can take 2-3 business days.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. These account 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 15 USC 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the person shall not furnish information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute requested investigation and the removal of erroneous conflicting reporting of an auto loan by XXXX XXXX XXXX XXXX in Virginia. XXXX XXXX has been reported over the last 3+ a balance owed in the amount of {$11000.00} monthly terms for 84 months with the intent to cause damage a minimize my ability to purchase a vehicle with fair terms. 

XXXX XXXX placed fraudulent charges on a share savings account investigated ; and failed to resolve over 4 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, I recently reviewed my credit report due to the nature not being able to obtain credit so that I am able to be a guarantor for my business credit, Unfortunately I have not been able to due to the nature of some unauthorized accounts on my consumer report and under 15 USC 1681 ( a ) ( 3 ) These Credit Reporting Agencies have assumed this role without my permission not only they didn't have my consent, they also did not respect my privacy and under 15 USC 1681 ( a ) ( 4 ) my rights have been violated. The Credit Reporting Act has allowed these debt collectors to be placed on my consumer file as well as a list of inquiries I did not authorize. 
The Debt Collection agencies are as follows XXXX/XXXX  Act. # XXXX XXXX XXXX Act. # XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX  XXXX XXXX  Account : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX Inquiries Made XXXX/XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX 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

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 Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX 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: Debt collection

I noticed XXXX XXXX on my credit report for medical bill that was paid by XXXX XXXX XXXX XXXX when I called they said I had two options pay or will go to credit report.
Product: Credit reporting or other personal consumer reports

I filed a FTC report to all 3 credit bureau stated that I've have an account on my credit report that was never mine from Navy Federal Credit Union from All 3 credit bureau i reported the negative account as Fraudulent account.the account was Remove from my credit report.two months later XXXX reported back to my credit report after 2 months that was deleted off my credit file I Submitted Another dispute and the result show the account is Verify as accurate. I never had an credit card account with Navy federal this account was opened fraudulent under my name and social security number.
Product: Credit reporting or other personal consumer reports

There were modifications made to this account When in fact it should be blocked from my account. They have failed to block this information from my account. The account is coming back verified but When I sent in a letter check for verifying this information there were modifications made from my own XXXX Which indicated to me there company isn't being honest and just updating the information " AS VERIFIED '' this account is FRUAD, there's no truth to these accounts.
Product: Credit card or prepaid card

Citi XXXX took a double payment from my account. When I called about it, I was told that they would credit my bank account within 3-4 business days. On the 5th business day the funds were not there. I called them back. They said that the credit was under review and it may take an additional 3-4 business days. I told them that it was not what I was promised and gave them an alternative that if they could not credit my bank account back that I would accept a waiver of my XXXX payment instead. They informed me that it could not be done. This is false information as I myself work for another credit card company and it most certainly can be done. I informed the supervisor that if they could not credit me in a time that they promised and were unwilling to compromise with my alternative solution that I would file a complaint with the CFPB and any other entity that I think could help me, and help my fellow Citi cardholders get some common sense policies put in place.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I believe this company has violated my rights according to the FCRA and FDCPA. I found them on my credit during my bankruptcy proceedings, so I asked them to please validate their information. they have never, ever sent me anything in the mail. I found through research that they had to notify me before reporting, which they never did. They had to validate the information to the consumer if requested, so I sent them a dispute letter. When they didn't reply to the first dispute, I sent them a second dispute, and they still haven't replied. I'm wondering if Congress Collect actually exists, or is only a fake company that reports to peoples credit to defame their character. Please help me.
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 under confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX 15 USC 1681 section 602 A. states I have the right to privacy 15USC1681 section 604 a section 2 also states a consumer reporting agency can not furnish a 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 items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more then seven years 15 USC 1681subsection 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: Student loan

See Related Complaint # XXXX Navient claims they can not reach me by telephone and email, and is no longer providing current statements or payment information on my online account, so I can not log-in to make payments or see current account statements. Also, they claim their emails wer3e returned, and I demand proof of this, as the prior complaint shows an email they sent to me and to which I replied. This also just changed after the XXXX 2014 collection call My telephone number XXXX has not changed ( see prior complaint ) ; also my email address has not changed : XXXXXXXXXXXX ( see prior complaint ). They are making it difficult for me to make payments timley.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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
Product: Student loan

Navient was never served in XXXX XXXX and CFPB is in XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Fraudulent Debt Claim by XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX concerning their claim that I owe {$720.00} for a XXXX XXXX joint account allegedly opened on XX/XX/2022. I unequivocally state that I never opened an account with XXXX XXXX XXXX XXXX, and I believe this claim is a result of XXXX XXXX  's data breach. 

This erroneous and fraudulent information is severely impacting my credit report and financial standing. I have made multiple attempts to resolve this issue by contacting both the credit bureaus and XXXX XXXX XXXX directly. Unfortunately, these efforts have been futile as I was placed on hold for over an hour and received no substantive response or resolution. 

I request your immediate intervention to rectify this matter. The actions of XXXX XXXX XXXX violate several federal laws, including : 1. **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681** : This law mandates that credit reporting agencies and furnishers of information ensure the accuracy and integrity of the information provided to credit bureaus. The erroneous debt reported by XXXX XXXX XXXX violates this requirement. 

2. **Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692** : This law prohibits debt collectors from using deceptive practices or attempting to collect debts that are not owed. The false claim by XXXX XXXX XXXX constitutes a breach of this statute. 

I am requesting that the CFPB investigate this matter and take appropriate action to ensure that XXXX XXXX XXXX correct their records and remove this incorrect debt from my credit report. Additionally, I seek any remedies available under the law for the distress and inconvenience caused by this situation. 

Thank you for your prompt attention to this matter.