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

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX 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
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX. Transunion Consumer Solutions 3. XXXX  XXXX  XX/XX/2019 : I have public record twice. I have asked for method of verification twice. I have not been provided evidence. The filing/reported date is wrong. The closing day is also wrong. The Reference number is wrong. I demand you provide me with a method of verification. I have attached a letter from the court saying they have not reported this public record to any of the bureaus. Delete this immediately! 



XXXX XXXX XXXX - XXXX : I have disputed this account twice. I AM NOT LIABLE for this debt. I asked for validation, and nothing was provided to me. It has been deleted before and reinserted without proper notice and certification. Delete this immediately
Product: Credit reporting or other personal consumer reports

I've requested to send me validation and proof of late payments reporting and how they retrieved that information since it didn't come from me. I never gave consent to report on my credit report and these companies are in violation of my privacy rights. 

The negative accounts that are reporting on my credit report are below. 

Late Payments ( Defamation of character ) Account Reporting : XXXX XXXX Account XXXX XXXX Account Reporting : XXXX XXXXXXXX XXXX Account XXXX XXXX
Product: Credit reporting or other personal consumer reports

I do not recognize the following addresses and names as listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; please remove from my credit report immediately. Thank you.
Product: Debt collection

Unknown debt, unknown charge, no contract with agency. According to the law 15 USC1681 ( i ) ( 5 ) and 15 USC 1681a1a. I am requesting proof that CREDIT COLLECTION SERVICE is licensed and bonded. CREDIT COLLECTION SERVICE has not given a chance to dispute account according to 12 CFR 100634 ( C ) ( 4 ) ( i ). I never gave CREDIT COLLECTION SERVICE authority to furnish my account to a consumer reporting agency without providing any and all disclosures required by law and they are clear in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( a ). I am disputing owning any and all debt to them, and revoking all rights of them communicating with me through email, text, calls.
Product: Credit reporting or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report. Please block and remove all information from my credit report and send me an updated copy of the credit report. Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXXXX/XX/XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXX | XX/XX/XXXX : Account number : XXXX  This account is a result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Account number : XXXX, This account is a result of identity theft.
Product: Mortgage

SPS has requested certain items of me, asking if I had an XXXX fee, which I do not. SPS has further asked for proof of occupancy, in which I have provided my Declarations page below. On the XXXX of XXXX, I provided XXXX XXXX XXXX my XXXX XXXX ) with my tax information via upload in there system ( this has been completed about 3 times ). 

I completed the XXXX modification agreement per request, followed by XXXX at XXXX. Below is my notification indicating SPS has received on XX/XX/XXXX and it will be forwarded to the appropriate Department for handling.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Ally Bank keeps " suspending '' access to our external bank accounts. This is the case for multiple people in our family who have accounts with Ally Bank. 

The do NOT provide notification of the suspension, and when called, they can not give a reason for the suspensions. 

They are only allowing access to other Ally Bank accounts within a specific login. 

This is causing a serious problem for us specifically, since one of us is POA of an elderly mother 's savings account and funds are used to pay her Assisted Living Expenses. 

The current suspension was discovered when logging in to do a transfer to a checking account which is with another bank. [ No! we will never have a checking account with Ally Bank because of this issue! We can not trust them now. ] To get a resolution requires several days of trying to contact Ally Bank and them doing research before they finally release access to the external accounts again. 

This issue also spills over to access to our funds through XXXX. Ally Bank has several times blocked XXXX payments to people we have paid in the past with no issue, but Ally Bank will not allow the XXXX payments to process. 

When asked, as usual, they can not give a reason why. 

We are beginning to question the solvency of this institution. If that is the issue, then this is very serious.
Product: Debt collection

I was never informed that this alleged debt was being reported on my files nor was i informed that I owed this debt or that a collection agency was going to be claiming that I owed this debt! I do not owe this money and this is to be removed from my report within 30 days! According to the FCRA I was to be notified that there was a balance and informed that this agency would be collecting a debt from me! I was never NEVER informed of this debt so in accordance with FCRA This is not a valid report and is illegal to report this to any agency! If it is not removed from my file I will file a lawsuit in regards to A FCRA violation!
Product: Credit card

I filed a previous complaint against Barclay regarding an offer I appliedfor and was accepted by them on XXXX XXXX, 2014, for a credit card0 % interest for 14 months. I received no email from them as I was told Iwould verifying the terms, nor did I receive anything through the postalservice. Upon receiving my XXXX statement, there was no interest charged. 
on that statement. On the XXXX statement, there was. I looked and sawthat I was being charged a rate of 24.99 % interest. I would NEVER haveapplied for any card with that kind of interest. I did n't need the card, but Ithought 0 % interest for 14 months was a good deal. You sent me anemail with a link indicating I could see the response from Barclay. Theonly thing it shows is that it is " processing ''. There is no other responsefrom them. I received a phone call from a woman, whose name I did notmanage to write down, telling me she was going to look into the matterand get back with me. She called me a few days latter, assuring me that, indeed, this is the rate I would be assigned and that this offer was notmade to me by Barclay, that it had to have come through XXXX XXXX. 
I figure she obviously knew that offer was out there, or she would n't haveknown it came through XXXX XXXX. Your report says it is " processing '', while her indication is that Barclay has finalized their review of the matterbecause she told me they would not be able to put the 0 % interest on theaccount. Again, I was misled when I applied for this card. I do n't knowwho made the offer, but it certainly appeared to be made by Barclay. Icompared it with XXXX XXXX XXXX cards, a XXXX card, and a XXXX. I did n't bother to compare it with a XXXX XXXX XXXX card, as I don'tlike XXXX XXXX XXXX nor do I trust them. I no longer trust Barclay, either. 
All of the cards I compared had either a 0 % interest in some form, no feeor no balance transfer. I chose Barclay because of the 0 % interest for 14months. Again, I have the documents to prove my assertions. I amunable to save them to my computer hard drive files, despite manyattempts. No doubt, Barclay has a good reason for that. I can provideprinted out copies, however.
Product: Debt collection

I took a loan of XXXX dollars from XXXX to buy an item, and when I slipped on the payment, I called them and discussed ways to pay them off, and was making those payments, but they kept jacking up the interest so much I wasn't making a dent, on XXXX any less which is insane. So one day I go to make my payment and it's no longer listed on XXXX. I thought that maybe it was gone for good or they dismissed it due to the amount of interest they collected from me. I was literally unable to make a payment at this time due to them removing it from their site. Years later I get a letter saying that I owe {$500.00} dollars. So I call them, and I'm on the phone with this rude woman, and they're threatening to harm my credit if I don't pay them off. So it goes from {$300.00} to {$500.00} and I was powerless to make a payment due to their tactics. I make my payments, and I have excellent credit, but they literally made it impossible for me to pay them and then jacked up almost double the amount of interest on me. This isn't fair at all! Now the company is calling itself LVNV FUNDING LLC.
Product: Consumer Loan

I applied for a loan with Discover to consolidate some debt at a favorable interest rate. My application was based on the credit scores I have received from Discover. I was denied ( credit score was quite different ). However the reason sighted and given over the phone does not matched up to the information I received from the company on a monthly basis. My expectation was that the loan should have been approved. Most of the reasons given were generic, especially since I had paid of the balance of most of my cards. I also have paid my debts on time for years and the only delinquency involved the company not receiving the payment on time due to nondelivery. Also, most of my accounts I have had for years. Again the credit score that was sent to me on a monthly basis. I believe the company is either misrepresenting the information it sends to their customers or illegally profiling due to location.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Accounts has Violated my rights. 
15. u, s.c 1681 section 602 A. States I have the right to Privacy.

15. u.s.c section 604 A. section 2. It also states a Consumer reporting agency can not furnish a account without my written Instructions. 
XXXX XXXX {$350.00} Delete XXXX XXXX XXXX XXXX {$830.00} Delete XXXX XXXX {$5800.00} Delete XXXX  XXXX {$2400.00} Delete
Product: Debt collection

This letter is in response a letter dated XX/XX/2018 from Portfolio Recovery Associates, LLC claiming I owe them XXXX. 

The company failed to provide me with any evidence that I have a legally binding contractual obligation to pay Portfolio Recovery Associates, LLC this amount.
Product: Debt collection

I am very concerned because this company XXXX is sending me a bill that I do not recognize for the amount of {$500.00} with an account number # XXXX. Their address is XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX. Their telephone number is ( XXXX ) XXXX. I think someone stole my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. The accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are still showing late payments on my report. I'm hoping that these disputed accounts get corrected as well.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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  XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Student loan

I applied for PSLF during the first round of forgiveness and was denied. I re-applied at the beginning of the eligibility period in XXXX 2022 and mailed my application in. I checked on the status of my loan several times, but was told it was in-process. At some point in the summer of 2022 ( XXXX maybe ) I received notification that MOHELA was taking over the PSLF process and to contact them. I contacted MOHELA by phone in XXXX 2022 and was told MOHELA was waiting on Department of Ed to transfer my information to them, but was assured that the process would be completed by the end of XX/XX/2022. On XXXX XXXX, 2022, I emailed MOHELA to ask about the status of my application, but did not receive a reply. I called them at some point in XXXX 2022 and was told MOHELA does not have payment counts on file for me and my current loans to not qualify. I explained several times over successive phone calls that I have XXXX  sets of loans, an XXXX set from XXXX years ago and my current XXXX school loans, but each time I called, they told me I was ineligible. I gathered my payment counts as best as I could, made formal requests from old servicers, and uploaded my screenshots of payment counts on XX/XX/ 2022. I wrote a formal complaint letter to MOHELA and uploaded it on XXXX XXXX, 2022 as a complaint in MOHELA 's system. I made the same complaint to the Department of Education. During subsequent phone call with MOHELA, they told me I need to consolidate all of my loans before XX/XX/ 2022, and that my XXXX and XXXX school loans could be rolled into one consolidation loan. I was assured that this would smooth the process and make it faster, but that I also needed to re-submit a PSLF application for some reason. I applied for a XXXX time and submitted my documentation on XX/XX/ 2022. I also applied for consolidation at the same time. After I applied and was approved for consolidation, I found out from XXXXXXXX that the consolidation loan only covers the remaining {$3000.00} balance on my XXXX loans. It did not include the XXXX  school loans. This was the most recent of many misrepresentations made by MOHELA customer service agents. This entire process has been XXXX unconscionable, and insane and I have been dealing with it for nearly a year. I attached a copy of the letter I sent to MOHELA with official payment counts from my old XXXX loan servicers. The remaining {$3000.00} balance was just paid to XXXX a few days ago via the consolidation loan.
Product: Checking or savings account

I opened a Schwab High Yield Investor Checking account after I opened a Schwab One brokerage account this past summer. I knew I would be away on an extensive overseas tour and I thought that Schwab 's offer to repay ATM fees would come in handy. While I was in XXXX I tried to access my account to make withdrawals but my balance showed {$0.00}. This happened in three countries. Finally on XXXX day I was able to find some good wifi to use to call Schwab from my XXXX phone account. The representative I spoke to told me that my account was closed based on a business decision and there is nothing she can do. She said there is not much more she can tell me unless I want to to call a specialist. She asked me I want to speak to someone else who can corroborate what she said. I agreed and she put me on hold. I spoke to a gentleman who told me the same thing the first agent told me. I was told a letter was sent to me on XXXX XXXX, XXXX. This happened to be the same day I left for my tour. I put enough money in my account so that I would be able to pay in local currency for some of the events I was interested in attending. Needless to say without access to my money a good part of my vacation was ruined. 

Now that I am back home I checked and found two letters from Charles Schwab in my mailbox. One mentions that base on the information from XXXX they decided to close my account. How can that be? I was the one who called Charles Schwab to ask for my ATM card after I had submitted my application and did not see it in the mail. I was told there is a freeze on my credit report and I need to have it lifted so they can view it. Some years ago I placed a freeze on my credit report because I was a victim of identity theft more than once. I contacted XXXX and they sent me a code to pass on to Charles Schwab to view my credit report. Not long after Charles Schwab approved my application and sent me my ATM card. So the letter dated XXXX XXXX, XXXX that I only read today ( XXXX XXXX ) being that I was away for an extensive period of time comes as a shock. If Charles Schwab had a problem with my credit report then why did they go ahead to issue me my ATM card after they used the unlock code XXXX provided me to give to them? Charles Schwab 's explanation is bizarre. As I stated they only gave me my debit card after I called to inquire and was told they need to view my credit report. As far as I 'm concerned they only provided the debit card after a careful analysis of my credit report. The fact is they closed my account for no justifiable reason when I needed to access it at the utmost time. Their action adversely affected my vacation and for that they should be held accountable. 

One of the letters went on to say that if I find the information in the report to be inaccurate I have the right to dispute the matter. Charles Schwab failed to list the information the led them to close my account. How am I supposed to contact XXXX  about information I need to dispute without knowing what the information is?
Product: Checking or savings account

On XX/XX/XXXX, I received a promotional Wells Fargo coupon offer offering {$120.00} if I open a new checking account. I decided that is a good offer and proceeded to open up the account online. I connected my XXXX information, contacted my employer to redirect my direct deposit and plan to come to a local branch to deposit some cash Sadly, on Saturday, XX/XX/XXXX, I receive notification from Wells Fargo that they have decided to close my account because I allegedly had to many claims on a previous account in XXXX. 

I have nothing negatively reported on my XXXX, XXXX XXXX, or any other reporting agency. Wells Fargo failed to give me an opportunity for a fair banking relationship. I requested a lower risk product or account and I was denied that also I also mentioned my account can be monitored for further establishing the banking relationship. 

I also asked for a written, detailed reason why Wells Fargo made this unfair decision and was denied that. 

Perhaps, I did make some banking mistakes over five years ago, but people change to become responsible with their finances just as when inmates get released from prisons they changed their life
Product: Money transfer, virtual currency, or money service

Hello, I was called by a chase bank representative on XX/XX/2019 at XXXX. This representative had given me a call to notify me of some fraudulent charges that were trying to be made, with that, they wanted to verify my account information so that they can close the account and issue a new debit card. So with that information being given from the representative, I assumed this would be safe also with the number not showing up as scam. So we proceed and I give the person my information needed to access the account, they said a verification text will be coming to me and to repeat the verification code, sure enough I got the code and gave to them, things still sound good. Then after about 30min being on the phone, they gave me two confirmation numbers to use to reference this call and that my account is closed and card will no longer be active and will be sent another card within 10 business days. All fine and dandy, til I never heard back from chase after the 10 days, I actually called within 5 days to  check in. Sure enough the chase representative says there was no call regarding this activity and that my account was still active and card was still active. Right away I knew this was a fraudulent/scam call and they got into my account and transferred {$1200.00} using quickpay to XXXX. I never signed up for quickpay nor did any transactions ever with XXXX. So Chase 's claim department denied the claim and I'm at loss of {$1200.00} to someone I have no idea who it is. Chase 's claim department says since my account was compromised and that I gave them my info, they can't do anything about it. This is total bs, I surely wish I knew, but when the scammer calls acting like a chase representative, knowing exactly what questions to ask and verifying them, why wouldn't I give them my info. If this is the case with all calls, then everyone would be a victim. In which I researched and sure enough this has been an ongoing fraud or scam going around, and chase chooses not to do anything about it. So i'm looking for help, my account is in the negative now because of this, many insufficient charge fees, etc. I've changed all pw, used virus scans, etc. and finally got back access to my online account and need this fraudulent transfer resolved. I'm now suffering because of this.