23daVinci/CFPB_Complaints huggingface dataset:
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 : account # XXXX and XXXX : account # XXXX has violated my right. 

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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I have tried to deal with Navient several times asking them to to stop pushing their required amount they want me to pay every month which is around 400 dollars - I have expressed to them that I can not afford to pay that much - I have been sending in payments of XXXX dollars online and they are harassing me with emails stating they are going to send me to collections - they are unwilling to communicate back to via email and want me to call them - I am not going to because I was harassed by one of the representatives that are beyond pushy and try to force you into a very expensive payment plan- I need help from the CFPb to step in a help me keep my payments of XXXX dollars without Navient harassing to pay more that I can not afford and not to mess with my credit- I also have records of payments I have made - I also never agreed to pay they required payment amount
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX
Product: Credit card

On XX/XX/XXXX  I contacted Discover to inquire about my alleged scheduled payment of {$140.00} which should have been processed by my Financial Institution ( I didn't see any pending payments when reviewing my bank account which prompted the call to Discover ) The representative that I spoke with at Discover apprised me that I did not have an automatic payment set up nor did they see any pending payments, hence, I made an online payment for {$140.00} to avoid a late fee. Fast forward to XX/XX/XXXX  ; I went online and made a payment of {$140.00} to satisfy my XXXX payment. On XX/XX/XXXX  while reviewing my bank account to make certain the payment was processed I noticed there were 2 payments for {$140.00} so I contacted Discover and was informed that one payment was an automatic withdrawal which I did not authorize and the other I made online ( that also happened in XXXX but I did not catch it until the issue in XXXX ) I requested that one payment be refunded since it caused a financial hardship to me and I was told it would be processed. After checking back numerous times and being told it's processing I finally asked to speak with a supervisor to expedite the matter. On XX/XX/XXXX  a supervisor named XXXX ( no last name given ) advised me that I would not get the refund because my billing cycle started on the XXXX of XXXX and my next payment is due XX/XX/. Well this is XXXX XXXX and my initial request was before the new cycle started. I reached out to Discover to try and rectify the issue, however, the company 's representatives have been unfair, deceptive and abusive in their dealings. I would like to amicably resolve this issue and move forward. Thank you for the platform to convey my grievance. Caveat - be leary
Product: Mortgage

We are refinancing our loan and the bank that owns our loan, TCF Bank, is out of compliance. Paperwork was submitted for a payoff amount on XX/XX/14 and as of XXXX they still have not responded with the requested information so we were not able to close on our refinancing loan in XXXX which was the agreement. 

TCF 's incompetence has been shocking. They recently asked if my loan is a VA loan. It is not, and it is crazy that the bank that owns my loan had to ask me that question. They clearly have no clue what they are doing.
Product: Debt collection

Razor Capital tried to sue me for a utility account that I am not liable for. I sent the law firm they hired ; XXXX and XXXX, information about the identity theft case. I sent them information from the IRS, the FTC, the police department and all of the information they needed. They ignored the information and instead sent me the bill claiming that this was verification enough. They tried to get me to agree to a default in judgment and pay them 800 + dollars. I declined and responded with why I wasn't liable. I missed the court day due to an emergency health situation. I filled a motion to set the judgment aside with all of the original information they should have considered and taken a look at before. This debt is beyond the statute of limitations to even collect on a debt that is 7 years old. I will be filing a complaint with the FTC and the attorney general.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit report not popping up ins sytems. 
XXXX XXXX XX/XX/1994 is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX is my adress
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this CFPB complaint to formally dispute the inaccurate information that is currently appearing on my credit report. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and up-to-date credit information, and I expect that my rights will be respected. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. It has come to my attention that there are several fraudulent inquiries listed on my credit report that are in direct violation of the FCRA. I respectfully request that the following inquiries be immediately removed from my credit report : 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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these inquiries or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

On XXXX  XXXX XXXX I paid Apple/goldman {$2200.00}. They are refusing to credit the account until XX/XX/XXXX. 13 days. 

When I contacted them they said it was on a hold as part of their customer agreement. When I asked where in the customer agreement they refused to answer. When I looked at the customer agreement it doesnt mention anywhere about a security hold. 

When I asked for them to return my funds to my checking account they refused. I was escalated to a supervisor who again refused to release my funds for 13 days. 

When I researched this issue it is a common complaint online. So I call the support number- they tell me my ( large ) payment from XX/XX/29 is on hold. I ask why and they say, well payments can be held because they are large, or made on the weekend, or around the holidays, and unfortunately it wont clear until the XXXX!!! 
XXXX XXXX XXXXXXXX Apple/goldman one of the wealthiest companies in the world are holding on to the funds of multiple customers far surpassing the industry standard.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient, XXXX, XXXX, XXXX Bank, and XXXX XXXX has been reporting fraudulent activities on my credit report. I reached out to each XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I also reached out to each bureau those months as well. 
XXXX, XXXX XXXX XXXX XXXX XXXX have been reporting debt on my credit report thats isnt mines. I have sent the collections agencies letters and the bureaus letters. I have spoken with the collections agencies & bureaus. I have not received any results. Each credit bureau said over the phone that I dont own the debt but until the collection agencies send an electronic authorization number for it to be remove it will not fall off until XXXX. This fraudulent debt has been on my credit report since XXXX. Each bureau keep illegally updating these fraudulent accounts. Ive asked numerous of time for them to validate the debt. They wont prove its mines. XXXX XXXX or XXXX has not responded back. Navient, XXXX, XXXX, XXXX bank XXXX XXXX XXXX XXXX has not responded back either. XXXX responded but did not validate or verify any debt. They updated the report as if its mines and dropped my points by XXXX.
Product: Credit reporting or other personal consumer reports

I have made several attempts to inform the company that the account they are continuously reporting has been opened fraudulently submitted documents and information verifying that the account has been opened fraudulently made several attempts to dispute the accuracy of the information which they claim has been verified by a company that I have myself disputed which is capital one that they allowed someone to fraudulently open a account without proof of my identity and allowed them to open a account with a limit of {$100.00} and allowing the account to be charged {$1000.00} and seen the fraudulent activity and closed the account in less than 30 days of opening this fraudulent account
Product: Student loan

Following from unsolved issue with Case number : XXXX. 
There are still multiple issues with Performant 's actions. 1 ) When I called two weeks ago seeking documentation about how my payments were allocated against the loan, I was told Performant no longer had any documentation concerning my loan. Pull the recorded tapes to validate. That is a unfair and deceptive practice. Only reason I have been provided any responses is because I engaged the CFPB. 2 ) Performant is claiming that I voluntarily enter the rehab payment plan. That is untrue. I was forced into the plan by Performant and threatened with wage garnishment. Further, when I submitted all my monthly expenses to validate I could not afford $ XXXX/month Performant said I was denied by American Student Assistance and payment was either {$800.00} or likely a higher wage garnishment. Again pull the recorded conversations. Therefore, I want evidence that my monthly expense forms were sent to XXXX XXXX XXXX and reviewed, and subsequently denied. I want a paper trail. 3 ) Based on the information provided by Performant it appears that Performant collected over {$5500.00} in collections fees. I would like to know how that is reasonable in comparison to a rehabilitation program to which I paid in {$7200.00}? That is XXXX % collection fees. There appears to be a serious conflict of interest between XXXX XXXX XXXX and Performant. Performant ensures high payments are made to collect extremely high fees, then XXXX XXXX XXXX continues to collect on a loan which virtually was paid down none in the rehab program. Look forward to your response.
Product: Credit reporting or other personal consumer reports

Experian has refused to post correct information. It says the INCORRECT information with XXXX XXXX XXXXXXXX will remain on your credit report. This is how it reads. If they feel its incorrect why are they reporting this. Please fix this
Product: Prepaid card

On XX/XX/year> my monthly social security benefit was deposited into my Direct Express account as usual. When I attempted to use my debit card that same day it was declined. When I went onliine to check the status of my account it showed a balance of XXXX cents. I then looked at the transactions to see if the money had been deposited as expected. The money had been deposited and there were already XXXX other transactions that I didn't recognize, on the same day. There had been an ATM withdrawal and I believe a transfer of funds. As I was looking at all of this I also saw that the card that I was in possession of was no longer on the account and there was another address listed that was not mine. My email and phone no.were unchanged. I called Direct Express and was not not able to verify some of my information so they transferred me to someone else. The next agent also asked me to verify my address and then asked me if I had called in on XX/XX/year> to put in a change of address and report a lost/stolen card. I had not. After verifying my social security number and date of birth she then told me she would put a hold on my account and restored my address information. She also told me that they would send me a new card. She asked if I would be willing to prosecute if they located the culprit, I said yes. I asked how did this happen and how someone else could call and request and new card and change of address to gain access to my funds without them verifying if I actually made the changes. She stated that they might not have needed to use all of my verifying data to make the changes. She would not give me any other information, but she blocked my access to my account and told me it could take up to XXXX days for an investigation or for Direct Express to return my money. I also asked her to be certain to include the address where they mailed the card that was sent without my consent or knowledge. 
I also reported the incident to the XXXX as recommended on the Direct Express website.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian sent me investigation results without supplying accurate original documentation which includes all original contracts between the original creditor and consumer. With original signatures and all original contracts. Experian is clearly violating the FCRA laws put in place. They are not actually doing any investigations its a stalling tactic to get me to give up without deleting the errors which by law should be deleted.
Product: Credit reporting or other personal consumer reports

To whom it may concern the reason of this letter is to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of and I do not recognize at all because I did not apply for credit with NAVY FCU, I have also reached out asking they remove the inquiry from my credit profile. Please launch an investigation into NAVY FCU inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid. I am requesting that it be removed from credit report as soon as possible. However, if NAVY FCU is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention this matter. The following inquiry must be removed immediately. 

XXXX Creditor Name : NAVY FCU XXXX Date : XXXX XXXX XXXX XXXX
Product: Credit card

To whom it may concern : My account has been closed due to a charge off. I would like to remove inaccurate reporting from this company immediately
Product: Credit reporting or other personal consumer reports

The following inquiries reporting in my account are fraudulent. Please investigate and remove from my report. I am no liable for XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When purchasing vehicle I used XXXX XXXX, the dealership was having a 90 day no first payment special if you purchased a vehicle. They billed at day XXXX but never once sent a bill via mail, email etc. when calling to dispute the bank agent admitted to having the wrong information. Name was spelt wrong, e-mail was not the correct email and there was no address on file. After admitting their mistake they still refused to reverse the late payment on my account which is absolutely unacceptable. I have appealed this decision now 4 times and unfortunately will have to file complaints with lawyers or XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX : I am repeatedly being denied rental housing based on my low credit scores and credit reports. While my scores and reports are reflective of financial trouble experienced in the past and including a divorce, it does not reflect in any way my ability to or inability to pay rent nor my rental payment history. 

I have been paying my rent ( and in fact nearly double that which I am currently applying for ) on time each month for the past five years. Yet it is not reported to or by credit reporting agencies and therefore, landlords do not consider this. In rental markets of high demand, such as XXXX California, prospective tenants are vetted and rejected based solely on their credit score. 

If a credit report and score provided by a credit reporting agency does not include rental payment reporting and history, landlords should be barred from using this information as a basis to deny housing. Landlords are not banks and they should not be entitled to strictly lender derived information as a reason approving or denying housing. 

I am also pursuing this matter with my congressional representative and senator. This is something I feel very passionate about for myself and countless others who have been denied housing based on their credit score.
Product: Debt collection

The account in question has been inaccurately marked with late payment dates, and it is essential that this misinformation is promptly removed from my credit report. Other reputable credit reporting agencies have been able to promptly update their reports based on the accurate information provided, leaving me bewildered as to why your bureau remains obstinate in perpetuating this error. 
XXXX XXXX XXXX XXXX PLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I insist that you take immediate action to remove the inaccurate reporting of late payments and update the account information to reflect the accurate details. This is not only my right as a consumer but also a fundamental obligation on the part of your bureau to ensure fair and accurate credit reporting.
Product: Debt collection

Company has placed account on my credit report that clearly does not belong to me. The individual who the account belongs to is clearly a minor and had both primary and secondary insurance on the date of service.I contacted the company in XXXX about the account but did not provide them insurance information over the phone. I sent over my insurance information VIA CERTIFIED MAIL in which they had ample enough time to file it to my insurance and get payment before the claim would deny for timely. I have contacted this company several times to get this matter taken care of but they refuses to do their job. I have contacted My insurance company as well. If this company would do their jobs properly I would not be receiving a bill neither would this account be on my credit report. They dont speak a tap of English and I believe that they have no knowledge of how insurance works. They also told me that they received my insurance cards VIA CERTIFIED MAIL but did not file to my insurance company. I had to call them in order for it to get filed and then they tell me that it denied for timely but clearly if they had done their job when first received VIA CERTIFIED MAIL they could have gotten payment from the insurance. Its clearly not my fault that someone at their company dropped the ball on this account. They should be eating this bill!!!
Product: Payday loan, title loan, personal loan, or advance loan

I received an emergency loan for {$6000.00}. However, the interest charged was unreasonable. I could not continue to pay. I realized that most likely, this loan was an illegal internet loan in the State of Virginia. 

I did forward this information to the Company. 

I received a call from a collections Company called Orion. In addition, my ex husband was called. I called them back immediately. I received an email with a Validation of Debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB complaint to request that the Credit Bureaus remove the following disputed accounts and information completely from my Credit Report. It has been drawn out into the open that the Credit Reporting Agencies are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the Credit Bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. I need the following items deleted completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX UNIT XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX FIN XXXX XXXX Balance Owed : {$0.00}