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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This letter is being sent in response to a consumer report recently obtained by the Claimant from XXXX. Please be advised that Spring Oaks Capital LLC is reporting damaging information, which has caused undue distress. 

It is my contention that Spring Oaks Capital LLC lacks standing to report such information or to attempt collection on the alleged debt. Accordingly, be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, XXXX XXXX XXXX et seq., and the Fair Credit Billing Act, XXXX XXXX. XXXX.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX : XXXX SSN : XXXX Date : XXXX Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general it, 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Personal Information XXXX. XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX- The personal information is incorrect - please remove this from my credit report immediately Accounts XXXX. XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, - This account is being reported inaccurately, please remove this from my credit report immediately Inquiries XXXX. XXXX XXXX  XXXX  ( Bank ) XX/XX/2022, XXXX XXXX XXXX ( Bank ) XX/XX/2022, XXXX - XXXX XXXX  XX/XX/2022, XXXX XXXX XXXX XX/XX/2022, XXXX  XX/XX/2022 - This inquiry was not authorized, please remove it from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXXXXXX {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a dispute with the cfpb about XXXXXXXX XXXX XXXX account number XXXX Complaint numbers XXXX and XXXX with experain and XXXX. 
Mentioned in the dispute is how XXXX is deliberately reporting inaccurate information on my report. In several disputes with XXXX  and experian, I have asked the company for proof that this account or alleged debt belongs to me. XXXX, XXXX and experain have failed to provide adequate information to me. XXXX is reporting a collection as open with XXXX  even and marked it as meeting fcra regulations. That is incorrect and a clear violation. To make matters worse, XXXX shows the date of last activity with XXXX  as XX/XX/XXXX and XX/XX/XXXX with experain. I have not made any sort of payment or arrangement for this alleged debt. XXXX is updating the date of last activity to re-age the account and continue to harm me and my credit score. I demand that XXXX provide proof to me. I request full validation including a contract with my signature that says I agreed to pay XXXX XXXX XXXX  something. Not some bill or statement that just has name and address. I was previously a victim of id several data leaks including the one with XXXX, employers and XXXX XXXX XXXX. Therefore I request the that XXXX provides me with the purchase agreement and original contract with my signature
Product: Student loan

I have had several issues with Navient/XXXX XXXX over the years. Initially years ago they had two  accounts under my name because they made a typo with my SSN. This caused one of my loans not to appear under my actually SSN numbers and subsequently led to collections and an impact to my credit. Also, over the years I had been paying more than the minimum payment but found out later that the over payment was not being applied to principle. When asking their collections how I can get ahead online I was always given different responses. One being that this was not possible. I feel as if they intentionally make it difficult so that you are stuck in an endless cycle of debt. I also see that my interest rates have increased greatly. This is not manageable in anyway. I believe one of my loans had a fixed rate but it seems that was increased also. I am helpless here and need to figure out how I make a dent in these loans.I have no problem making payments, but I am not getting anywhere with these high interest rates and my inability to pay towards principle easily.
Product: Checking or savings account

Get charged in one day more than 3 times for insufficient funds. Tried to ask for credit because I was charged for it once. No mercy. My funds were taken away from me without paying the checks.
Product: Checking or savings account

A proximally on XXXX XXXX around XXXX AM i withdrew {$630.00} from my bank account into my XXXX XXXX account not realizing that the {$630.00} was my mortgage payment so this action caused my bank account to be overdrawn a negative {$550.00} after i saw my account negativity i proceed to a local branch to resolve this issue and asked a teller to remove funds from my cash app card account I was told it couldn't be done within the branch I would have to go to the ATM to withdraw funds to cover the amount overdrawn i decided to go another direction on this same day XXXX XXXX around XXXX AM I decided to withdraw XXXX from my cash app account electronically to deposit into my bank account and that was done however XXXX XXXX has a transfer fee of {$13.00} to which {$730.00} was electronically deposited into my bank to cover my overdraft of XXXX and out of the XXXX that was deposited the XXXX was deposited back alone with a positive amount of {$180.00} $ XXXX $ XXXX XXXX my account was covered so my account was positive XXXX on XXXX XXXX XXXX AM I withdrew {$200.00} amount from my bank account out of the XXXX which should have put me in a negative {$18.00} and this reflex my XXXX XXXX account my bank processed another {$630.00} transfer to my XXXX XXXX account that is not posted on my XXXX XXXX  account but posted on my bank account that is incorrect
Product: Debt collection

This agency is violating my rights by using false misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly with them and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts as soon as possible.
Product: Debt collection

I contacted original creditor. Account is under XXXX XXXX. Debt was re-aged. I attached a copy of receipt provided by original debtor. Debt was XX/XX/XXXX, per original creditor and I told company it was not mine. Company said it was a recent visit XXXX on phone.
Product: Checking or savings account

In researching the most recent class action lawsuit against Navy Federal around how they handle overdraft fees, I'm convinced that multiple transactions in the month of XXXX and last year were handled inappropriately. Specifically, items were in a holding status for multiple days allowing fees to be assessed each day to avoid the maximum fees in one day. In the month of XXXX, I was assessed XXXX in fees. Last year I was assessed hundreds of dollars in fees, Navy Federal intentionally did not post my direct deposit so they could assess more fees. 

I'm extremely concerned that today XX/XX/2020 someone who owed me money called Navy Federal to transfer funds to me. Navy Federal provided this individual very personal details regarding my account and identity. Specifically, a Navy Federal rep provided an estranged member with my home address and other sensitive details related to my identity. I am astounded that Navy Federal would put me in danger by releasing these details without my permission and who is not on my account.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A company called Capital Management Services repeatedly calls my daughter 's cell phone saying she has a debt to settle. My daughter is in college and has no debts whatsoever ( other than student loans ). Their phone number is XXXX.
Product: Credit card or prepaid card

Capital One was in the process of opening a new credit card fraudulently applied for in my name. I spoke to their Fraud Department who stated " we would have called you ''. At the time I spoke to them, it had already been a week since the application had been submitted online. The reason I was aware of the issue is that XXXX had emailed me to let me know there was a hit to my credit score. I asked Capital One to flag my information & deny any new applications that were submitted. The stated they could not do this. That is a lie, as they will flag people with bad credit & deny them a new account. Furthermore, this was the second attempt to open a new card in my name this year. After the first attempt in XXXX, I had placed a Fraud Alert with all three credit companies ( XXXX XXXX,  and XXXX XXXX XXXX. The Fraud Alert is still active and Capital One ignored the Fraud Alert.
Product: Credit card or prepaid card

To start on XX/XX/XXXX my XXXX XXXX Account business card was closed without any notice or notification at all from Chase. I only found out by viewing my credit report with XXXX XXXX. I checked the app, website, and my mail and had received nothing by XX/XX/XXXX when I found out. 

I promptly messaged Chase demanding they open my account again because there was 0 reason they had to do so and had provided me no information. I received a response in email saying to call for more info. I call and they say the account closure was for " bank policy '' reasons and that a letter was sent to me. It is XX/XX/XXXX and I have still have not received any letter. 

Furthermore, I want to reference my account was in excellent standing with 0 missed payments, excellent credit, and no disputes. On top of that this was verified by Chase when they opened the account since I had to call in to verify information for my application and they APPROVED me then only to close my account barely 6 months later. 

They also did this with my bank account which was in good standing for " suspicious activity '' a year or so prior when they couldn't verify my cash was coming from but never offered me to prove cash deposits which I could have easily. 

All these is some sort of clear discrimination or otherwise because my financial history is perfect and this has cost me on my credit reports. Chase is NOT to be trusted with your money.
Product: Debt collection

I received two calls this morning between  XXXX  and  XXXX    XXXX   XXXX   from this company for a  XXXX   XXXX . We share the same last name, but we have no idea who this person is. This phone number is listed in  XXXX . It has been our phone number for more than 20 years. This call woke me up. Scared me because the only reason that someone would call me at that time is if something was wrong with a family member and thereby forced me to get out of bed to answer the phone. These people had no reason to contact me. I 'm frankly tired of all of these companies and their robo calls calling my home and interrupting my day!
Product: Debt collection

Mid West Recovery is reporting a collections account which is not my account. I only had one account with XXXX account in collections and it is being reported through XXXX XXXX so XXXX is reporting double on my credit report.The account that Mid West Recovery has for {$570.00} does not belong to me it is fraudulent.
Product: Credit reporting or other personal consumer reports

XXXX {$1000.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$330.00} XXXX off These all shouldn't still show up on my credit report hard or soft inquiries. This debt occurred after becoming XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XXXX your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX XXXX # : XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX
Product: Mortgage

I made a payment in XXXX which paid my account in full in XXXX I got a letter certified mail saying that I didn't make the payment and then I was in jeopardy. It cost me so much anxiety and stress and I thought I was going to lose my home because of this letter. How can I send this kind of stuff when I am in full rights of my homeownership and I made my payments how can I scare me and do this to me make me feel as if I didn't fulfill my financial responsibilities. From this letter I received caused me to reach out to my friends and family and acquaintances to borrow money to fulfill my financial obligation but the problem is I already fulfilled my financial obligation and now I look like an XXXX to all my friends everybody knows my financial situation just because this letter was sent to me. I want to speak to somebody who is responsible for sending this letter to me and for me to be able to have rectification. I believe this letter is cost me so much undo stress and anxiety causing me to call for counseling to keep my sanity when I knew I paid and was told I wasn't paying. My example of receiving this letter is like receiving a letter telling you that someone has passed away. I took this information as true because it was certified mail coming to me. It was false information sent to me and I want somebody responsible to reply to me and tell me why would they do this awful unlawful letter. Please someone respond and tell me why they are allowed to do this to me. I paid my mortgage then they said I didn't with a certified letter.
Product: Debt collection

In XXXX a salesman I let in my home to demonstrate a vacuum cleaner took my information and texted the man waiting outside my information. While he told me I had XXXX days to test it whether I kept it or not and then if I decided to keep it they would do a credit check. But he texted my information and then I had a loan. The guy didnt show up XXXX days later. XXXX seems to be ok with theft. Please help. XXXX XXXX services has the debt of {$4400.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below from my credit report. As a victim of a data breach, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were not initiated by me and are the result of fraudulent activity. 
Accounts : XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$820.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1300.00} Inquiries : XXXXXXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX
Product: Mortgage

We were asked to leave a {$500.00} earnest money payment with XXXX XXXX XXXX XXXX, they took us to four different banks whom kept running our credit and mixing up our social security numbers. They told us we were approved we waited two months for the home to be completed with XXXX XXXX XXXX, XXXX sales person, who assured we would be getting the home.The preferred lenders XXXX obligated us to use, we researched that all the Builders in XXXX XXXX use preferred lenders forcing the borrowers to go with those lenders that did harm to us. The two months came and left, we have been waiting for over one year and almost 6 months, we finally asked for the {$500.00} back XXXX told us it was used for an appraisal, what appraisal we never got a report the house was never built we never heard back form any of the lenders, all the parties. We are looking at purchasing a home just not with builders they all want to take us to lenders we don't have confidence in any more.
Product: Student loan

I've consolidated my Navient owned loans with XXXX XXXX. The process was deemed completed on XX/XX/XXXX. Navient says that I have a payment due on XX/XX/XXXX and each representative has given me conflicting information. The first said there was no record of a consolidation the second said there was record transfer information on XX/XX/XXXX, but that I still had to make payments to Navient or my account would be delinquent. There was a lot of conflicting information from each person I spoke with and I had to call back several times because I was disconnected. There are now two loan balances from both XXXX XXXX and Navient in different amounts.
Product: Consumer Loan

My husband and I purchased a car through a local XXXX dealership approximately XXXX XXXX years ago. We obtained financing through the dealership who elected PNC Bank to finance the transaction. At the time we had no objections ( and still do not with the terms/structure of the loan ). However, PNC 's policy, which was described by their representative as industry standard, is to automatically enroll borrowers in paperless billing for revolving loans. I 'm a millennial and have no issue with paperless accounts ; however, PNC bank has made it virtually impossible to gain access to the online account because:1 ) PNC Bank 's online banking system does not recognize car loan account information ( and the online account information was never mailed to my home ). 
2 ) The customer help line resulted in an hour and a half of cumulative wait periods. 
3 ) The only online help is available via XXXX. That 's right. XXXX twitter. 

Again, I 'm a millennial and am disgusted by the notion that I 'm subjected to 1.5 hours waiting online for customer assistance or the use of XXXX ( which by the way I tried this platform and could not be assisted via this platform ) simply to gain access to my loan information which should be provided, either via email or printed, to consumers, unless the borrower specifically opts into such a program to limit receipt of their statements. 

It is noteworthy, 2 months later my husband and I got another car, this time with financing provided by XXXX XXXX XXXX and I was NOT enrolled automatically in online statements. I have received a letter in the mail every month with my account information. 

Having access, regardless of being a revolving account, is critical for consumers to manage their accounts, debts, repayment plans, etc. For our account, we have been doubling our car payment and I truthfully, have no idea how much we owe on his loan. I was able to find out the information back in XXXX when I contacted PNC bank, but have subsequently misplaced my log-in information and have not been able to gain access to my accounts since. ( I asked at the time during the call for paper statements but was advised she could not make the change, I had to apply for the change via my online account ). 

Making it this difficult to gain access to loan statements is a significant disadvantage to the consumers. 

Thank you CFPB for your help.