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

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX DOB XXXX SS XXXX I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX XXXX # XXXX account is reporting 120 DAYS LATE on XXXX XXXX since I requested assistance due to the pandemic. I am shocked that this has happened when I had already been in contact with the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, I was told that my account would be fine and no late payments would be reporting. The office of XXXX XXXX XXXX WAS ACTUALLY CLOSED during the pandemic so I am having a hard time trying to understand how the late updates were even reported when no one was even in the building
Product: Credit reporting

As of XXXX/XXXX/2016 my injuries were removed but upon pulling my recent credit report today i see that they have returned. I would like this removed immediately.
Product: Credit reporting or other personal consumer reports

I requested again the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$9600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$770.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$350.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2800.00} XXXX  XX/XX/XXXXXXXX XXXX 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: Checking or savings account

I recently attempted to close a checking, joint checking and savings account with BBVA. BBVA had recently purchased my prior bank, Simple. Upon calling BBVA to close the account, the customer service representative, who I spoke to on Thursday, XX/XX/2021 at XXXX, indicated that she could not send me a check for the remaining proceeds in my account and that instead she could only close my account if BBVA could keep the funds in the account. The proceeds were less then five ( XXXX ) XXXX 

The bank indicated they could only send me a check if I mailed them a notarized letter requesting to have the account closed, but could not do so on the phone, even after asking several questions to verify my identity. 

This appears to be an unfair and deceptive practice on the part of the bank and puts an unnecessary burden on consumers. I told the rep to keep the remaining proceeds and to close my account so I wouldn't incur any fees.
Product: Student loan

Sallie mae consolidated loans at XXXX XXXX. Borrower paid timely at XXXX XXXX Navient became loan servicer of Salliemae loans and changed interest rate to XXXX XXXX  at an unknown date. XX/XX/23 telephone call Navient refuses to provide reasons why or how the loan terms changed without borrower approval. Borrower seeks to repay at XXXX XXXX per terms of sallie mae repayment consolidation. Navient refuses to provide copies Sallie mae documents or Navient loans of the terms of assignment of loan from Sallie mae to Navient
Product: Mortgage

I have been sending two payment monthly to my mortgage loan servicer ; one for the monthly payment amount and one for an additional principle payment. In each of the past three months of XXXX, XXXX and XXXX the additional principle payment was processed and posted as if it were a regular monthly payment. I have called each of those months and pointed out the error and asked for them to note my file so that the error would not happen again. In both XXXX and XXXX the error was corrected and I was assured that it would not happen again. I called yesterday and was told that it was my fault and that I should pay online if I wanted the payments applied correctly. This is directly opposite of what I was told previously. When I asked for a supervisor I was parked on hold and never retrieved. My Calls were made on XX/XX/XXXX and XX/XX/XXXX and those payments were reversed, then correctly posted. I should not have to call every month to push PennyMac to apply the payments properly. I have never had this issue with any other lender and it appears that they do not have any intentions to correctly post my payments.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for filling to properly investigate my disputes regarding inaccuracies in my credit report despite my submission, Equifax consistently responds within 24 hours stating they count is accurate without providing any evidence of a through investigation this practice violates the fair credit act reporting, ( FCRA ) ,15 U.S.C. 1681i, which mandates a reasonable investigation Or disputes. Furthermore Equifax actions also contravenes The customer financial protection act ( CFPA ) ,12 U.S.C.5536 is highlighted in the CFPBs recent administrative proceeding ( File XXXX ) against them for similar violations I request that the CFPB take action to ensure Equifax complies with federal law provides customer with the necessary proof of investigation. 

XXXXXXXX XXXX  {$3600.00} XXXX XXXX XXXX  {$5700.00}
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 XXXX XXXX XXXX. 

XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit Bureaus after I purchased a credit report in XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was accounts on my credit report which are misleading to me. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the accounts will remove in my credit file as soon as possible. Here are the list of disputed accounts : XXXX XXXX Balance : {$2300.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$100.00} ; XXXX XXXXXXXX ( Original Creditor : 08 XXXX XXXX  ) XXXX Balance : {$1100.00} ; XXXX  XXXX ( Original Creditor : 08 XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX HOSPITAL ) XXXX Balance : {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$3200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX
Product: Credit card

XXXXXXXX XXXX  also known as American Financial Network allowed an account to be put into my name fraudulently which has damaged my credit. Before getting into compensation, I want to first and foremost have all of the credit reporting and especially all of the negative credit reporting immediately removed and blocked from the credit bureaus.
Product: Credit card

Capital One credit card failed uphold a dispute I submitted and offered me 2 weeks to submit additional documents. After just 1 day, they said they closed my dispute saying I did not submit supporting documents.

More importantly, it is clear that I did not receive the service in question and there is no basis for Capital One to deny my dispute. Should the merchant wish to pursue the matter civilly, that is their choice and the matter will be brought before a trier of fact, rather than the Capital One customer dispute agent that is trying this case based on limited information.

Capital One must honor the dispute as described and allow the merchant and I to reach a resolution, mutually or through arbitration, but either way Capital One can not make me pay for a service I did not receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following creditors have violated my rights : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

In XXXX, I signed up for a Fronteir credit card, through the Frontier airlines booking website, after being targeted for a special offer of a {$200.00} statement credit after making an initial purchase. After paying my annual fee and using the card to make several purchases, I waited several billing cycles for the statement credit to materialize, but it never did. I contacted Barclays to inquire about the offer, and was told there was no record of this offer on my account, and that I would not be receiving my {$200.00} statement credit. The offer is still presented on Frontier 's booking site, and I unsure as to why they are not honoring it.
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, XXXXXXXX XXXX XXXX : # XXXX, Dept of Ed/XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX dismissed : Ref # XXXX, XXXX XXXX XXXX dismissed : Ref # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

Transunion there is no XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX is wrong more wrong information on transunion More wrong information on transunion and address that are not correct or valid
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT # XXXX XXXXXXXX XXXX gave a payoff estimate to the buyer ' s of my home. Payoff amount as provided, was wired to XXXXXXXX XXXX  and sale closed. I moved out of property because buyer ' s were investors and required that I move out immediately. XXXXXXXX XXXX then realized that they made a mistake with the payoff estimate that they provided. They claimed that there was a shortfall of about {$2000.00}. 

XXXXXXXX XXXX  started to report that as late payments on my credit report for all the months that they were trying to resolve this issue with buyer. Eventually, it was resolved, and extra payment was wired to XXXXXXXX XXXX 

The multiple late payments which was not my fault has made it impossible for me to get a mortgage for another home. I have spoken to XXXXXXXX XXXX about this severally, but they have done nothing. 

Also, the mortgage loan is still showing as open and having a balance when in actual fact, the mortgage is fully paid and closed. Please help me sir/madam.
Product: Debt collection

My initial communication with MIDLAND CREDIT MANAGEMENT LLC was on XX/XX/2022, where I requested a validation of this alleged debt. The reporting of this alleged debt is a result of identity theft. I did not initiate any transaction with MIDLAND CREDIT MANAGEMENT LLC. I requested LEGAL proof that I have an obligation to MIDLAND CREDIT MANAGEMENT LLC. Also, in XXXX of 2022 I sent a Cease and Desist. Cease and Desist means ALL forms of communication including credit reporting. The amount of this alleged debt is {$2600.00} and due to the reporting of this false debt my credit score and credit worthiness has dropped immensely, currently affecting my ability to apply for a new home. I have not granted MIDLAND CREDIT MANAGEMENT LLC any permission to use my identifying information to commit mail fraud by contacting me about an alleged debt the claim I owe. In your companies response to my previous complaint you stated, " Just as the original creditor had the right to legally seek repayment of the promissory obligation, the new third-party purchaser has the right to repayment of the credit account. '' You clearly left out the word LEGALLY when referring to the new third-party purchaser because you do not have the legal right. Delete this account from my consumer report or I will file suit against you for theft by deception and identity theft.
Product: Credit card or prepaid card

Someone open a capital one credit card on my name the amount was {$600.00} .i spoke to them they said i have to fill up this form with you guys.
Product: Student loan

This is in regards to FTC Report Number XXXX which I just filed with the FTC and is related to CFPB complaint # XXXX which was filed with the CFPB on XXXX against XXXX XXXX and is still open. 

I'm going to attach my entire complaint in attachment. This Loan is directly related to my current complaint with XXXX XXXX  that is currently open with CFPB # XXXX. This loan was a direct deposit into fraudulent XXXX XXXX account XXXX which I reported in my Police Report on XXXX XXXX and at the time I knew very little about my ID Theft. You need to understand CFPB complaint # XXXX in order to link these 2 ID Theft together and understand it. Once again I have provided all the documentation to support my claim which the CFPB has on file b/c I attached it to CFPB complaint # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I was researching small business loans and filled out a pre-qualifying offer on XXXX  that was advertised as a free soft check. I was alerted immediately that a hard check went through on XXXX. I spent the rest of the night being bounced around to voicemails and various companies including XXXX XXXX to report the error with no response. I found later that my Transunion report had also been hit. XXXX was ran for a home loan mortgage which I never inquired about anywhere, have never owned a home. The following week, I was contacted by a XXXX " loan officer '' who said he couldn't help me reverse the credit pull but would tell me what I qualify for. I proceeded to converse with him for the next couple weeks but he refused to supply me with any XXXX paperwork or forms to complete an application and told me he wouldn't submit an application for a business loan for me unless I provided him my real number accounting books on shared XXXX docs or other unofficial forms. When I refused and asked for an official rejection letter if that was the case, he emailed me a letter that did not even contain my name or full address nor my credit score and the reasons listed for rejection didn't make sense. When I finally got a response from XXXX XXXX  about reversing the hits to my credit, they sent me a form I never filled out for a commercial loan filled partly with info I entered on the website for my free pre-qualifying small business loan rates ( that I never got ) and partly fabricated. The PDF file itself isn't even secure! 

I didn't authorize a hard credit pull and was refused XXXX forms to apply for anything, then was given a phony rejection letter with no credit score and no proof of what I was even inquiring about. The phony authorization says commercial loan, but my credit was run for a home mortgage and I was allegedly rejected for a small business loan? Their website doesn't even advertise home mortgages. This is deceptive marketing and phishing. I was never quoted any fees or terms nor given the name of any of their alleged lending partners by the agent who contacted me. The site reads like XXXX is the lender, but the agent who called me solicited himself as more of a loan packager who shops you around but wouldn't do it unless I gave him all my personal business info with no official contract or company forms, then they show up on your credit reports as various type companies including home mortgages! I requested an official letter stating I did not apply for nor receive or accept any loan offers from XXXX but was ignored.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX and I am filing this complaint against Capital One on my own behalf, as a Natural Person and Federally Protected Consumer, without any connection or involvement with a third party. On XX/XX/2021, I submitted a validation of debt letter asking Capital One to provide the following information within XXXX days : * The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period I informed them that if they were unable to provide the above information within the XXXX  day period then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once, or I will take legal action and consider them in breach of the Fair Reporting Credit Act ( F.C.R.A. ) and the F.D.C.P.A.. I have attached the letter I sent ( exhibit A ) with the certified mail receipt ( exhibit B ) confirming they did receive my letter. 

I also filed an identity theft report that is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item CAPITAL ONE BANK USA N is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit reporting or other personal consumer reports

Consumer Name ; XXXX XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX XXXX XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding a potential violation of 15 U.S.C. 1681a ( 2 ) ( i ) under the Fair Credit Reporting Act. I believe that the information provided by XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX  XXXX in a consumer report has not complied with the exclusion outlined in 15 U.S.C. 1681a ( 2 ) ( i ). Which state that Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The consumer report I received from Experian, XXXX and XXXX contained information that was solely related to transactions or experiences between me and the entity making the report, as per the exclusion outlined in 15 U.S.C. 1681a ( 2 ) ( i ) However, I believe that the information provided in the report did not adhere to this exclusion and included elements that extended beyond the scope of transactions or experiences between me and the entity. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that my rights under the Fair Credit Reporting Act are upheld. 

I understand the importance of accuracy and compliance with federal regulations in the handling of consumer information, and I trust that the Consumer Financial Protection Bureau will thoroughly investigate this complaint.