23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Name : GreenState Credit Union Address : XXXX XXXX XXXXXXXX XXXX XXXX, IA XXXX Phone Number : ( XXXX ) XXXX Complaint Details : I am submitting this XXXX against GreenState Credit Union regarding inaccurate reporting of my payment history and their mishandling of my account information. These inaccuracies have negatively impacted my credit report and my reputation as a borrower. I believe they are in violation of 15 U.S.C. 1681s-2 Responsibilities of Furnishers of Information under the Fair Credit Reporting Act ( FCRA ). 

Issues : Payment History Discrepancies : I noticed discrepancies on my credit report where it incorrectly reflects that my payment amount is XXXX, despite my consistent monthly payment of {$400.00} for my car loan. These inaccuracies suggest I have a poor payment history, which is untrue. 
Data Breach Concerns : I learned that my credit information might have been compromised due to a data breach at the credit bureaus, which I suspect may be related to the inaccurate information GreenState is reporting. 
Loan Term Inconsistencies : Initially, I was told my loan term was for 76 months, but my records indicate it was actually a 72-month term. This inconsistency raises concerns about the accuracy of GreenState 's records and whether they are handling my account information responsibly. 
Failure to Correct Errors After Communication : I reached out to GreenState Credit Union representatives twice ( XXXXandXXXX ) to address these issues. Instead of taking corrective action or assisting me, they reported my loan as late. This further impacted my credit report, making me appear as a risk to other lenders. 
I first noticed the reporting errors in 2023, and despite notifying GreenState Credit Union, they have failed to correct these inaccuracies. This refusal to assist and the continuation of false reporting are serious concerns. I am seeking a full investigation by the CFPB into these practices and would like my credit report corrected to reflect my true payment history. 

Desired Resolution : Immediate Correction of Payment History : I request that my payment history be corrected to show the actual amounts paid each month and to remove any incorrect delinquency status on my loan. 
Investigation of Loan Terms : A thorough investigation into the loan terms to clarify why a 76-month term was reported instead of the correct 72-month term. 
Data Security Review : I ask that GreenState Credit Union provides clarity on the impact of the credit bureau data breach and ensure that no further data breaches have compromised my account or led to the inaccuracies in my report. 
Assistance in Resolving Final Payment : I am willing to pay off the remaining balance of {$1300.00} to close this loan but need assurance that my account history will be accurately and fairly reported to all credit bureaus. 
Thank you for your time in reviewing this XXXX I trust that the CFPB will investigate this matter and provide guidance to GreenState Credit Union to rectify these issues promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the accounts listed below has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A States that i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 States that that a consumer agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a complaint against XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, regarding an erroneous car loan account that has been opened in my name. I am a resident of XXXX, and I have no connection to this company or any vehicles registered under my name. 

Specifically, I am concerned about the following issues : Unauthorized Car Loan : An open car loan account has been reported under my name, which I did not authorize and for which I have no knowledge. This account has recently been reported as late, further affecting my credit. 

Incorrect Information : I do not live in Virginia, and I have no cars registered in my name. This incorrect information has been attributed to me, which I believe is a case of identity confusion or fraud. 

Immediate Removal Required : I am requesting the immediate removal of this erroneous account from my credit report and all records associated with XXXX XXXX XXXX. I am seeking your assistance in rectifying this issue to prevent any further impact on my credit and personal information. 

I have made several attempts to contact XXXX XXXX XXXX directly, but have not received a satisfactory resolution. I would appreciate your prompt intervention to resolve this matter and ensure that my credit report accurately reflects my true financial situation. 



Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, informed the Experian my personal information ( addresses ) were wrong on my credit report. 

I filed a dispute on XXXX To remove the personal information that I dont want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. According to 15 USC 6802. No financial institution is not supposed to share my information to third party people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account paid in full in XX/XX/XXXX. The collection was removed and the account went to " closed '' status. Account reappears as a collection in XX/XX/XXXX.
Product: Checking or savings account

I sent returns to XXXX and never received a refund, so I disputed it with Chime my bank, I sent all the facts and paper work showing I sent items back and they received them but no refund, Chime denied my dispute and are closing my account, I'm a XXXX veteran and have had my deposits going in there for 5 years now I want my money back and account opend.
Product: Debt collection

I have no knowledge of this account. I have been a subscriber with XXXX XXXX XXXX for at least 20 years. Apparently, this was a fraudulent account applied for without my permission. This account has also been transferred to a 3rd party billing company which purchases these accounts for pennies on a dollar therefore I do NOT owe this company either way
Product: Credit reporting or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have made three written requests to cancel PMI, dating back to late 2017. I am entitled to have PMI removed. Nevertheless, LoanCare is continuing to wrongfully charge me PMI every month.

According to LoanCare 's website : " If you have a good payment history, you may request cancellation of your PMI on or after the date the principal balance of your loan : ( 1 ) Is first scheduled to reach 80 % of the original value of the property ( 80 % LTV ). ( 2 ) Actually reaches 80 % of the original value of the property. '' I first qualified for cancellation of PMI ( and requested cancellation of PMI ) based on the above in late 2017. Nevertheless, LoanCare is still charging me {$36.00} each month for PMI. LoanCare ignores my messages.
Product: Money transfer, virtual currency, or money service

My Paypal account was the subject of a fraud purchase. Two payments were made to addresses that I have never lived at from my account. I followed all of the security steps to changes passwords, etc., from Paypal and also opened a claim to get my money refunded. Paypal closed my claim saying that it is NOT fraud and can not refund me. I have removed my bank account information from paypal as well for security. I did not make these purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on XX/XX/XXXX and disputed inaccuracy like wrong names, employers, wrong addresses and unauthorized hard inquires ( below ) be removed from my credit file. I am requesting assistance to get the unauthorized inquiries below remove ASAP. I am starting to feel like they are retaliating against me because I filed a CFPB complaints against them XXXX months ago. They have me blocked from access my credit profile online. 

XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX. XXXX, 2020, XXXX  XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, ONEMAIN FINANCIAL add a hard inquiries on my credit reports per XXXX  and XXXX. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiries on my credit reports per XXXX  and XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple hard inquiries ( seven total ) spanning from XX/XX/XXXX to XX/XX/XXXX by Clarity services on behalf of XXXX XXXX ( leasing company for XXXX XXXX ). These inquires are only on XXXX I tried to resolve with the Clarity services but the only response I got was " we had some computer problems around that time, it 's been fixed ). It has not been fixed for me. They appear on my report as " finance reseller '' making it appear as if I looking for payday loans etc. I 've never applied for personal loan or payday loan. 
I have not looked at my credit report in well over two years, so I was unaware of this issue until I applied for a car loan. 
Also, this means that my credit score suffered for year due to these unauthorized inquires and most likely paid higher interest rates unnecessarily. 
On XXXX XXXX I did lease a phone through XXXX XXXX, but there is no inquiry with that date and no inquires by them since.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Checking or savings account

XXXX XXXX works with a company called XXXX to send money. 

When set up, I was assured that I could send {$1200.00} a month to my landlord. 

Today I could not. I was told that my limits were lowered and was unable to send it. 

Apparently capital one does not have to notify you if they change your limits and there is no way to raise the limit to the monthly promised amount due to security. 

Now I can not pay my rent on time due to this misinformation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Will not update my report correctly
Product: Student loan

I have several student loans i took with XXXX. XXXX then sold the loans to Firstmark services. At the time of the transfer, my loans were in deferment status. The loans had previously returned to a repayment status during the semester gap between XXXX and XXXX, but once i started school again i worked with XXXX  to return my loans to deferment status and provided proof of enrollment. XXXX assured me that no changes would be made to my loans status as part of the transfer to Firstmark. a couple months later, during the same semester, I discovered that my loans had incorrectly been moved to repayment status because Firstmark was contacting my cosigner ( I did not receive any mail from Firstmark until after i heard from my cosigner ). On XX/XX/XXXX I contacted Firstmark customer service demanding they correct this error and provided the same proof of enrollment that I had previously provided to XXXX. They responded XX/XX/XXXX claiming no wrongdoing on their part and stating they had confirmed the enrollment status and would return the loan to deferment status. At this point i contacted my State AGs office and they have not responded. Today ( XX/XX/XXXX ) I discovered that Firstmark failed to return the loan to deferment status and sent another email to Firstmark customer service demanding they correct this error and demanding an explanation as to why they did not correct this as they said they would.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a federally protected consumer and have been a victim of fraud.
Product: Credit card or prepaid card

I used capital one credit card travel program to purchase three airfares on XXXX XXXXXXXX. One must go through capital one travel ( C1T ) agent in order to book seatings on airplane. I called C1T to book three airfares for my wife XXXX and son XXXX. The air flight to depart from XXXX XXXX airport to XXXX XXXX on XXXX and returning XX/XX/XXXX. About one week later, we needed to our flight schedule to XX/XX/XXXX to XX/XX/XXXX. I called C1T back and they confirmed that all changes of schedule have to go through them. the new schedule was changed via a C1T agent. C1T has a recording of all phone conversations. I called back to C1T stating that on my travel page on C1T did not reflect the new schedule. C1T said it is fine as long as I received an email for XX/XX/XXXX to XX/XX/XXXX flights. Yes, I did. Then this is where the communication was broken down. on XX/XX/XXXX, I received an email form C1T that my flight might have a change and a C1T might call me or to contact XXXX XXXXXXXX. Since I remembered from earlier calls with C1T that all changes go through them. I waited for C1T call that did not come. Plus, I thought the change was related to the change of flight that I had done with C1T. Of course, XXXX  cancelled our returned flight and we did not know about it, until we called in to confirm our seats on XX/XX/XXXX. XXXX  put me on a returned flight to XXXX XXXX and my wife and kid to XXXX on a different flight. XX/XX/XXXX was a wasted day as our flight plan was totally changed. I was out of pocket for XXXX trip from XXXX to home and I had to drive to XXXX later than night to pick up my family. Next day, I had to pick up my car at XXXX airport that had an extra day of parking. the following week I called C1T to explain the break down in communication. C1T supervisor said they have all calls recorded and to review. I told them the XX/XX/XXXX email that C1T was to call me. No one from C1T called. I told them in a recorded conversation with C1T that all changes to go through C1T. in fact, the agent of C1T told me in a recorded conversation when I had to change my flight plan. I have attached them for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I disputed negative inaccurate information on my consumer report and the items were not removed and I did not receive a proper response with in 30 days I am attaching the previously sent letters and the most recent letters as a final follow up. I have also enclosed information regarding accounts that should not be on my consumer report as well. I have also labeled the violations found by this company to my consumer report. 

This company is in violation of the following codes pursuant to Title 15 USC Chapter 41 as stated by congress : 15 USC 1681e ( b ) reporting 100 % Accuracy ( https : XXXX ) 15 USC 1681 ( a ) ( 4 ) Right to privacy ( https : XXXX ) 15 USC 1681b ( 2 ) Permissible purpose ( https : XXXX ) 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions of Transactions or Experiences https : XXXX I have attached my dispute letters and request immediate removal. 

I do not consent to e-Oscar or any means of automated system for verifying my disputes. 

I request the cfpb to enforce the laws violated pursuant to congress.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX to XX/XX/XXXX XXXX loan lender, XXXX XXXX XXXX XXXX, has refused to stop reporting late payments to my consumer credit report ( Equifax ). My XXXX XXXX bankruptcy was filed XX/XX/XXXX and discharged XX/XX/XXXX. This account is listed on the Certificate page of the bankruptcy. This debtor received a mailed and electronic copy of the my XXXX XXXX bankruptcy and did not show up to court hearings. Therefore, any monetary negotiations between me and the lender are null and void. Under federal law, XXXX XXXX bankruptcy does not require repayment. No worthy assets were available to repay debtors. I have emailed, spoken to representatives, faxed, and mailed XXXX several times over the last year regarding XXXX XXXXXXXX XXXX XXXX 's unlawful behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting an account to all 3 credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the 3 credit bureaus as well as discover 6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting 3 different dates of last active between the credit bureaus XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX this account is re aged.they are reporting 2 different credit amounts {$1500.00} and {$0.00} different account numbers are being reported if you take a look XXXX  has a dash in fornt. ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the 1099C that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting
Product: Checking or savings account

I have tried to open an account with several banks and even though all my information would be correct I get an email or a mail saying that my information wasnt correct.
Product: Credit reporting or other personal consumer reports

Experian refuses to report my correct name. I have disputed over and over. They are posting my father 's name. Have been doing so for years. I only have one name, XXXX XXXX XXXX XXXX. The inability to post accurate information has caused me severe problems with loans, housing even eating. Doesn't the fcra state that if a CRA knowingly posts inaccurate information they can be held liable? DO YOUR JOB CFPB. I want those fines paid to me post haste. After receiving this dispute they have only 30 days to delete, update or verify. Unless they file in writing for an extension, and then no longer that 45 days. XXXX, no 46 days and no 60 days. If an extension is granted I want a copy of the application. Report my correct name and pay me my damages. NOW
Product: Debt collection

I believe the account is invalid. SUNRISE CREDIT SERVICES , INC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As submitted on XX/XX/2022 Consumer Reporting Agencies investigation did not address my complaint at all and in fact was not a thorough investigation at all. besides not addressing my original complaint of them violating*15 U.S.C. 1681 section 602 A states I have the right to privacy Also *15 U.S.C. 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions. not one person of interest or knowledge was interviewed or contacted including myself. A reasonable investigation under FCRA 1681s-2 ( b ) requires the furnisher to examine sufficient evidence to determine whether the disputed information is accurate. in addition to the failure to a reasonable investigation they should be held to the subject of penalty which includes " Not complying with the FCRA can subject your company to statutory damages of $ 100- {$1000.00} per violation. '' as per defined by the Fair Credit Reporting act. my original complaint is listed below with case numbers first. ***complaint numbers : 1 ) XXXX XXXX ) XXXX XXXX ) XXXX Original Complaint : In accordance with the fair credit reporting act the following account have violated my rights. *15 U.S.C . 1681 section 602 A states I have the right to privacy Also *15 U.S.C. 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions. Accounts : 1 ) Co Division of Child Support Account number XXXX XXXX ) XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX
Product: Credit card

I contacted my card issuer and informed them that I would be needing access to to the credit line granted to lawful consumers as detailed in paragraph ( a ) ( 5 ) ( iii ) ( D ) of 1026.61 also referred to as The Bank Holding Company Act of 1956. My request was all together ignored and dismissed without any verbal acknowledgment of my request, or the consumer case law which supports the claim