23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 card

Chase closed all my personal credit card accounts leaving me stranded outside the USA. They did not communicate anything with me. They claim " bank decision '' and letter will be sent by mail.
Product: Checking or savings account

After numerous attempts to contact the company, they required verification for a check made out to my brother and deposited into my account. Despite providing his information, including phone number, they claimed it wasn't in their system ( XXXX XXXX ). Even when attempting to verify the check with the maker, a fellow Chase customer, and supplying business and personal phone numbers, they couldn't authenticate it. This situation raises concerns that their XXXX XXXX system might disproportionately affect the XXXX community, especially those with prepaid phones, as their information may not be accurately reflected. Additionally, even with my brother presenting two forms of ID at the branch, they were unable to authenticate him.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute thru Equifax on XX/XX/XXXX on a XXXX XXXX account for late payments. The dispute was closed on XX/XX/XXXX and Equifax is still reporting a late payment for XX/XX/XXXX. Equifax stated that my account was closed on XX/XX/XXXX per the company but I was still late in XX/XX/XXXX. I asked If I closed the account on XX/XX/XXXX why do I have a late payment in XXXX? She proceeded to say that its is XXXX XXXX who is reporting the late payment. I contacted XXXX XXXX  and they state it is Equifax that is reporting wrong information. Equifax may not be fully investigating the dispute. I would think someone would question if the account was closed in XX/XX/XXXX why is there a late payment in XXXX. I have filed several disputes through Exquifax for this account thru XXXXXXXX XXXX and it appears Equifax is not Fully investigated the dispute. 

Please see below the Company 's ( XXXX XXXX ) complaint response through Consumer Financial Protection Bureau verifying I have NO late payments. Compliant number XXXX Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response XXXX XXXX XXXX XXXX ( XXXX ) appreciates the opportunity to respond to the concerns you have regarding account ( XXXX ) XXXX. We have a more than 130-year history of quality customer service and satisfaction, and I would not want anything to impair that record. Our contact information is located on your retail installment contract or promissory note and security agreement, invoice, coupon book, and welcome letter. As a reminder, you may contact XXXX regarding questions about your purchase by calling our Customer Service Helpdesk at XXXX, or on-line at XXXX. We have investigated your concerns and as a result of our investigative measures, your complaint has been Closed with explanation. : 1. You paid the account balance in full in XX/XX/XXXX ; 2. There was a delay in closing the account ; and 3. XXXX  processed a manual AUD on XX/XX/XXXX to correct the credit reporting. According to our records, you signed a 36-month promissory note and security agreement on XX/XX/XXXX and you agreed to have the minimum monthly payment of {$120.00} due on the XXXX of each month. You made your final payment on XX/XX/XXXX ; however, there was a delay in closing the account. XXXX closed the account on XX/XX/XXXX. XXXX processed a manual AUD on XX/XX/XXXX to correct the delinquent credit marks that were assessed on the account due to the delayed closing. XXXX  processed a bullseye report on XX/XX/XXXX and confirmed that no delinquent credit marks are being reported on the account. We have included a copy of your signed documents and payment history for your records. XXXX appreciates you for bringing your concerns to our attention.
Product: Debt collection

continued attempt to collect a debt with failure to provide verification under the fair debt collection practice act notice of validation was sent by myself on XXXX/XXXX/2016 via U.S.P.S. certified mail tracking XXXX notice was received on XXXX/XXXX/2016 and proof mailed back to me return receipt # XXXX they failed to provide the following information Explain and show me how you calculated what you say I owe, Provide me with copies of any papers that show I agreed to pay what you say I owe, Provide a verification or copy of any judgment if applicable, Prove the Statute of Limitations has not expired on this account, Show me that you are licensed to collect in my state, Provide me with your license numbers and Registered Agent. 
continued efforts have been made to collect the debt without validation under the fair debt collection practices act.
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 name : XXXX  Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 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 or other personal consumer reports

I have identified the reporting of the information on my consumer report that are a result of identity theft. these information are not related to any transactions by me. its unauthorized. PLEASE DELETE following ACCOUNT XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My home was acquired from veterans home loans united and paid for at closing with my signature or the contract will be resented also discharged via 1099C through IRS to Corporation yes they double dipped and then sold my information to the XXXX XXXX XXXX XXXX XXXX which happens to be fraud and commercial mischief along with others very unfair to a XXXX XXXX  XXXX veteran with XXXX  young children.
Product: Checking or savings account

Citizens bank closed my account after a review. The reasons for closing my account was mere speculation and skepticism l, they had no evidence of any wrongdoing on my end. I received a letter from the bank on XX/XX/XXXX that my account has been closed and a cashiers check will be mailed to me on XX/XX/XXXX. As at today being the XXXX that Im filing this dispute, the check has not come and I called their customer service to find out what is wrong, they confirmed that the check has been mailed and I would get it soon. Now this is not the problem, I inquired how much was mailed and they said it was {$470.00}. The balance on my account was {$480.00}. I asked why the discrepancies in amount and they said they charged me a monthly maintenance fee on XX/XX/XXXX. I asked them why they would charge me a monthly maintenance fee for a closed account ( Remember that I received a letter in the mail that my account was closed and I should stop conducting any transactions on it. This letter was issued on XX/XX/XXXX and I adhered to it. 

Citizens bank monthly maintenance fee is {$9.00} for One Deposit Checking Account ( the account I operated with them ) To waive this fee, you have to make one deposit of any amount per statement period ( usually monthly ) I would have made one deposit of {$1.00} into my account to waive the monthly maintenance fee, but based on the letter I received on XX/XX/XXXX, I decided to obey and adhere to it by not conducting any further transactions on the account as requested. 

Now these are important dates Last deposit I made in this account was on XX/XX/XXXX, which waived the monthly maintenance fee up until XX/XX/XXXX The bank also sent me a letter on XX/XX/XXXX to stop conducting further transactions on the account The letter also said they will mail me a cashiers check on XX/XX/XXXX So why exactly will the bank charge me a monthly maintenance fee on XX/XX/XXXX. For an account they have already said was closed on XX/XX/XXXX and I should desist from making further transactions on. 

I called their customer care and they were very rude and said there is nothing they can do, and they will never return the {$9.00} to me I said I would take this up with CFBP and they said CFBP wont answer me because the money is negligible They sounded very rude and said they have the right to determine what is coming to me ( amount ). I have called them multiple times to also issue me a check for {$9.00} but they keep saying they would never do that. They hung up the call on me. 

Attached are the receipt showing date of the last deposit made to my account And Letter showing date of account closure.
Product: Checking or savings account

Fraudulent charges of {$7800.00} on business checking account. Initiated online with product picked up in person. Multiple requests to have money refunded due to unauthorized transaction. Wells Fargo very vague in how they determined there was not fraud. Repeated requests to have case reopened and escalated, but no change in outcome. Case remains denied and closed
Product: Credit card

Capital One keeps reporting a charge off that is not mine to the XXXX credit bureaus.The credit bureaus respond to my disputes that the item has been verified.I conacted Capital One directly and asked them to provide with proof that the charged off account was indeed mine.They have failed to respond with any proof of the validity of the debt andare not in compliance with the fair credit reporting laws.So what do I do to resolve this issue.This mistake is affecting my credit score for almost 7 years and stopping me getting a car loan and a mortgage.The payments would be too high.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a response to my previous complaint that the accounts listed on that complaint came back verified. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. FCRA states that information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. You have been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not deleted from my report. Please do not update or verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contracts and physical documentation to support the information that is being reported on my credit report via mail. Screenshots and statements will not suffice. Please send my actual signature on a contract as these accounts are not mine. I am in the process of planning a legal case, so I need specific answers to what was asked of you in this complaint. Please provide your method of verification for the below accounts : XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX - Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX - Account # XXXX
Product: Checking or savings account

Last month I applied for a loan with a company " XXXX XXXX XXXX '' I have all the original loan promissory legal note and notarized identity verification also and other paperwork and digital documents as well. So now Key Bank my bank says I owe them nearly XXXX XXXX dollars? How is that even possibly when they are issuing me my credit of account from the federal reserve? I know what happens at XXXX I have read many bank manuals its kind of funny how many people have their hands in pockets that don`t belong to them, between both sides of the accounting also, through the complete 1099 series XXXX., acquisitions, and forms don`t forget the courts one shouldn`t have to function in the private there is plenty of people unaware and others that don`t care, but I do! I am a XXXX XXXX I can barely manage to pay a bill on the account I do not enjoy paper work I will not be taken advantage by anybody I am a introvert but if I won`t speak up for myself who will definitely not ... Anyway I called the FDIC they told me that they do not handle their account I thought every bank account is insured through the FDIC so do I need to talk to XXXX or their minor XXXX? My thoughts are going back to the FDIC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 accounts from Navient showing on my XXXX  credit report. I had a loan with Sallie Mae which they sold to Navient. These are personal student loans not federal which is why they are not consolidated with my other student loans. I had filed chapter XXXX bankruptcy in XX/XX/XXXX and discharged in XX/XX/XXXX. These loans were included in the bankruptcy but still show on my credit report. The Sallie Mae loans are gone but the Navient loan still show and it's hurting me getting a mortgage.
Product: Debt or credit management

GC Services is the owner of an account that I owe debt on. I have been working with them since XX/XX/2023. I have automatic debits that come out of my account monthly. As of XXXX, I noticed that the payments have not come out. This is a serious issue for me as my financial aid for university is dependent on all of my accounts being in order. I have reached out to this company everyday since XX/XX/XXXX. I have called and send complaints through the we form. They do not have an official email address to reach them through. Since the beginning, they have only allowed communication through snail-mail and telephone. Which I find archaic and intentionally obtuse, but I digress. Every time I call, there is an auto-recording stating that I there are technical difficulties and to call again tomorrow. I need this organization to reach out to me so I can resolve my payments for this past month, and for the current month. If this is too difficult for them, then perhaps a letter, on letterhead, noting my good standing would suffice. The poor communication and bad business practices of this business are greatly affecting my life and I need to see results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to work with XXXX  XXXX XXXX since XX/XX/XXXX for a correction of late payments that they agreed to correct due to being under doctors care during the months of XX/XX/XXXX thru XX/XX/XXXX. After being assured that all would be taken care of XXXX  XXXX XXXX instead reported late to all ( 3 ) credit bureaus. I was advised that, they had no control and refused to honor their promise to remove. I was then advised it was up to me to dispute with all ( 3 ) credit bureaus and I did just that. I have written countless dispute letters for more than a year and no removal. I then contacted XXXX  XXXX XXXX on XX/XX/XXXX and was advised that they can't correct the late payments since it has been more than a year. But had record that I had been calling to resolve. I explained that out of good faith, I called and advised of my situation and they did not hold to the agreement. I have been trying to clear this matter for over a year with all ( 3 ) credit bureaus XXXX, XXXX  and XXXX  and XXXX  XXXX XXXX directly. I appreciate any assistance you can provide in clearing this matter. Also, I have been trying to work with Capital One and XXXX XXXX XXXX regarding the same issue for more than a year and to no avail, no action taken place.
Product: Credit card

I received a refund for a purchase that I have paid off. This left a positive credit balance on my Apple Card. I am not planning on spending the amount on my Apple Card anytime soon and the cash amount belongs to me since the principal amount has already been paid off so I requested that Goldman Sachs initiate a credit balance return but was told that was not an option so they are holding on to money that no longer belongs to them.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I encountered an issue with XXXX XXXX XXXX regarding my XXXX rental deposit. The problem began when a account balance was sent over to XXXX XXXX XXXX, from the Verge apartments for XXXX stating that myself XXXX XXXX, and my daughter XXXX XXXX, and Husband XXXX XXXX XXXX owed this balance for trumped up charges for apartment renovation and other Misc charges. We we're giving a 30 Day No Cause to leave the Unit located at XXXX XXXX XXXX XXXX XXXX, XXXX, NV, XXXX on XX/XX/XXXX to be out of the Unit after a failed eviction attempt by the defendants. 

We we're out of the unit as required by law, on XXXX. XXXX. XXXX. 30 days after we received a notice from XXXX XXXX stating we owed this balance instead of returning our {$300.00} deposit. So, we took them to trial, Date of Incident : XX/XX/XXXX ( Trial ) XXXX Judgement was awarded to us by the court for return of our rental deposit, and the defendants counter claim for XXXX was for violating Secuerity Deposit Accounting pursuant to XXXX The initial XXXX on was also unfound due to the defendant 's inability to provide legal receipts for the renovation and other charges. 

I then sent the court Judgement certified mail to XXXX XXXX XXXX, and they mailed me a notice stating that they did an investigation and decided that we didn't provide anything different and that they we're still going to report this on our credit until their employer advise them to remove it.
Product: Checking or savings account

Renasant Bank changed the way its website works and I've had difficulty accessing my account. The bank has sent at least one text to my current mobile number, which means they have the correct one on file. 

However, the bank insists on sending a one-time code and only shows my old number, which I can't use for security reasons. 

There used to be other alternative ways to securely verify my identity, but these options aren't a part of this new digital rollout. 

No one is answering the phone number they've provided for people having issues with their accounts. I haven't been able to access my bank information for about XXXX business days or get ahold of the appropriate person. Per various XXXX searches, I can see I'm not the only person with these issues.
Product: Student loan

My student loans from XXXX/navient gave me interest rates I would never be able to pay back unless I got an incredibly well paying job while also paying for other loans and living expenses. On several occasions they have conviently lost my payment information and wait to inform me a month later on collection instead of informing me before incurring monsterour late fees. 
They 've also made me do forebearance already so now I am stuck if I can not make payments in the future for other reasons. When I did file for income based repayments they never sent me documentation so I know the terms and how long I have for the income based program.
Product: Credit card

The card expired in XXXX of XXXX. I paid the account off on XX/XX/XXXX. I have not applied for another card. The account is closed, however I'm being charged an annual fee of XXXX due on XX/XX/XXXX.
Product: Mortgage

My mortgage is below 78 % of the appraised value. I requested cancellation of PMI aby email and by phone the loan servicer has refused. All payments have been on time. The loan servicer is Lakeview Loan Servicing LLC, XXXX XXXX. This appears to violate HPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting the account with XXXX  inaccurately on my credit report. Upon reviewing my credit report, I did not recognize this account. I initially sent a request for Experian to validate the account, and send my proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After four different attempts, they have failed to provide me proof of this account. I have disputed this information four times, and have given them warning that if it could not be validated, to remove it from my report, or else I would file a formal complaint. In addition, the information Experian is reporting does not match the information being reported by the other credit agencies. They still have not done anything about this. I sent a dispute to them on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. I gave them ample time and opportunity to resolve this issue before having to take this route of filing a complaint.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. Statee Ihave the right to privacy. 15 U.S, C 1681 Section 604 A Sections 2 IT also states a consumer reperting agency can not furnish a account without my written instruction,
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX and XXXX are all reporting bankruptcy information that was obtained fraudulently and is also inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was filed XX/XX/XXXX, the date paid was XX/XX/XXXX, it was obtained illegally and I demand to have it removed from my credit report, and # XXXX was filed XX/XX/XXXX, the date paid was XX/XX/XXXX, this information was also obtained illegally and I demand to have it removed from my credit report.