23daVinci/CFPB_Complaints huggingface dataset:
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 use 1681. 

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 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 or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years.

15 USC 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 some reasonable cost to believe that the information is inaccurate.
Product: Checking or savings account

XX/XX/year> {$600.00} and nothing has happen yet so far with my money
Product: Credit reporting or other personal consumer reports

I am writing to express my growing frustration and concern regarding the continued presence of inaccurate personal information on my credit report. This is now the sixth time I am disputing the same inaccuracies, and despite my repeated requests, these errors have yet to be corrected. This information is incorrect and does not belong to me. I have disputed this several times, providing all the necessary documentation and identification to support my claims. Despite my efforts and your agencys obligation under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of consumer credit information, these errors persist on my credit file. 
The ongoing inclusion of inaccurate personal information on my credit report is not only misleading but has the potential to negatively impact my financial standing and creditworthiness. It is unacceptable that after five previous disputes, no resolution has been made. 
I am formally requesting once again that your agency immediately investigate and correct these inaccuracies. Please ensure that all incorrect personal information is permanently removed from my credit file and that my report is updated to reflect accurate, current details. 
In accordance with the FCRA, I am entitled to an accurate credit report, and I expect that this matter will be handled swiftly and effectively. Please confirm in writing once the corrections have been made, and provide me with an updated copy of my credit report reflecting these changes. 

XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

I pulled my credit report and notice IC Systems is report a balance in the amount of $ XXXX am disputing this charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these ITEMS in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following ITEMS need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX Balance : {$26000.00} XXXX XXXX  Balance : {$24000.00} XXXX XXXX  Balance : {$26000.00} XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

LoanCare Mortgage Company reports late payments to the credit bureaus while I am in forbearance ( Covid 19 Cares Act Assistance ). I have waited over 90 days for LoanCare to approve my loan modification I submitted a loan modification in XXXX, instead they have delayed the process and continuously report me as late to the credit bureaus. This is negatively impacting my credit and is not true. I am not required to make a payment during the loan modification process so it should be reported as on time. Their website says that it will not be reported as late while you are in the loan modification process or while you are in forbearance. Furthermore, they are supposed to have underwritten the loan modification within 30 day and it has been much longer than that. Additionally, they have been reporting me as late WHILE in forbearance ( Covid 19 Cares Act Assistance ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I Originally filed all the proper fraud documents with the bureaus on XX/XX/2020, and nothing has been done per the regulations set forth by the FCRA. I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, SOUTH EAST TOYOTA FINANCIAL DBA OF WO, account number XXXX has violated my rights by reporting negative late payments from XX/XX/XXXX to XX/XX/XXXX. According to 15 U.S.C. 1681, Section 602 A, it states I have the right to privacy, as well as, 15 U.S.C. 1681, Section 604 A, Section 2, which states a consumer reporting agency can not furnish an account without my written instructions. Therefore, I am requesting this account be removed, and deleted. from my credit report with XXXX, XXXX and XXXX, as my rights have been violated.
Product: Checking or savings account

I have used Marcus.com as a XXXX for many years without a problem. All of the sudden I am unable to transfer money from my XXXX account to my linked checking account as I've done hundreds of times before. I have spent many hours on the phone speaking with representatives who have told us the exact same thing every conversation without a resolution. 

There is a mysterious " alert '' on our account and they won't tell us exactly why. I suspect its because my wife, who is a joint owner, does not remember her secret word that was set up years ago. Because of this they can not verify her account. My account has been verified several times. No matter what we try to do to resolve this issue it does not get resolved. The last representative told us that they were going to expedite an identification form and the forms never arrived. They also say that our cell phone numbers don't meet the requirements to receive security codes. There has been obstacle upon obstacle trying to resolved this. We have probably had XXXX or XXXX calls with the representatives, none of which could help us. 

I don't understand why, if me, as the primary owner, has verified my account various times am unable to get my money out. They are holding my money hostage and it has now affected me negatively. I am unable to pay off my credit cards and I am being charged interest upon interest. I also was also unable to pay my quarterly self employment taxes because the money can't be transferred out of my Marcus.com account. I will be charged penalties. Will Marcus.com pay for the interest and penalties I am being charged because of their system? Their archaic verification system has damaging me financially and this has to stop. 

Marcus.com has to be better and not put up so many barriers to people wanting to get their money out, especially if they have been verified. They also have to have an easier way to resolve the " secret word '' issue when it has been forgotten.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some accounts from my credit report ; however, there are still accounts that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are fixed : XXXX XXXX XXXX XXXX Balance Owed : {$90000.00} ; XXXX XXXX Balance Owed : {$32.00} ; XXXX XXXX  XXXX Balance Owed : {$3800.00} ; XXXX XXXXXXXX Balance Owed : {$5300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Did dispute with XXXX  and Equifax on XX/XX/XXXX requesting that my current mortgage show as current mortgage since XXXX to present and that my payments and on time at that show on report. As of now it shows the mortgage was closed and XXXX balance which isnt correct. On XX/XX/XXXX both companies reported on my report a new bankruptcy found on XX/XX/XXXX and that my mortgage was included in my XXXX bankruptcy which is not true! I have now today filed another dispute asking a 2nd bankruptcy found yesterday to be removed. So not only did my original dispute not get fixed but the credit agencies both made it worst by adding false info and not fixing the initial issue. Also everyone Ive spoken with for both agencies having called over 15 times Have English as their second language even both supervisors I spoke with making it very difficult to have a meaningful understanding in solving a dispute. Do Americans not get job offers from the agencies who hold our credit worthiness in their hands? This is simply not acceptable.
Product: Student loan

I have a very general complaint to make about my private loan lender Navient. For the past 16 months, I have been responsibly making {$450.00} in payments every month for my private student loans for a total of {$7200.00} in the aforementioned months. Because of high interest rates ranging from 8.25 % to 12.5 %, only {$2200.00} of my paid {$7200.00} have made a dent on my grand total which is nearly {$50000.00}. I completely understand that I have signed contracts which stated that my interest rates would be within these high margins and variable and therefore, I have really done my best to take responsibility for my student loan repayment. However, I took out these loans when I was XXXX years old because my parents were experiencing economic hardships and their credit scores at that time did not qualify them to take out parent plus loans to help supplement my tuition. At that time and age, I barely understood what I was getting myself into ( with the future job outlook not to mention what compounded daily interest would really look like ). I am really trying to do my due diligence but for the past several years, I have developed health conditions because I am constantly struggling financially despite having a decent paying job to the point that I could not even purchase a health insurance plan through the Affordable Healthcare act ( which does not consider private loans when it totals each individual 's payment contribution ). I am simply looking for any kind of student advocacy group that could shed some insight, advice or hope as I am really struggling with what I truly believe to be a system that is immoral, and would be perhaps even engaged in what could be considered criminal practices if not for the vast amount of political lobbying power that it possesses.
Product: Credit card

On XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ) with AMEX spoke to me regarding a request to provide financial documents because I was under financial review. 

I had just opened up a XXXX XXXX card with AMEX not long ago because of their sign up bonus offer to provide XXXX points if $ XXXX was spent within XXXX  months. I had a similar offer that was provided to me a few months prior for a regular XXXX card, XXXX points if I spent $ XXXX in XXXX  months. I did however do this on the regular platinum card, received the bonus points and always paid my account in full. 

XXXX XXXX asked for paystubs, my bank statements and the bank statements for the bank account that was used to pay the AMEX bills. All of those items were provided. On Friday XXXX I spoke to another representative asking if they had everything they needed, she said, everything looks good on their end, they are waiting on XXXX to finalize her review since she wasn't there on Friday to provide an update. 

On Monday XX/XX/year> I receive a call from XXXX. She immediately says that AMEX has decided to close my account after their review. I questioned her and asked how come. Her response was quite simple, because the account you make payments from isn't your account, its under someone else 's name. I told her yes, my husband pays all bills through his bank account and that is how we run finances in our household. He and I are legally married. She said, that is the reason why and its against their agreement. I said ok, can you show me where in the agreement it says that payments need to come from my bank account otherwise any accounts with AMEX will be cancelled. She couldn't answer me and said its in the documents. Then she goes on saying she has been working for AMEX for 15 years. Then I asked again, in 15 years of working, where does this information come from, or are you making things up now. Because if you don't have proof of it, then it must be made up. 

I requested a XXXX, she took her time to try reaching a XXXX and she couldn't do so. I requested to speak to someone else, she said someone could reach me back in XXXX hours. It became personal and she didn't leave me any room to have a proper discussion to understand what I did wrong for her decision. After getting off the phone, I received an email that ALL my accounts with AMEX have been cancelled. Also, giving up the bonus points of XXXX which I was almost was going to receive.
Product: Credit reporting or other personal consumer reports

RE : American Express Business Account Number : XXXX XXXX XXXX I have been trying to contact American Express for 5 months regarding corporate debt that was incorrectly reported on my personal credit file. This debt is a business account. American Express has no authorization or any legally executed agreements in place that explicitly require business debts to be reported on my personal credit files with the credit reporting bureaus. In addition, the contact information for the business has changed and for 5 months contact has been made to American Express to update their records for the email address and mailing address associated with the business to no avail. In addition, I have called American Express several times for 5 months to inquire about the validity and settlement of this debt and I keep being referred to a third party that has no knowledge of this account. Had American Express spoken with me timely, this corporate debt would have been resolved and not reported to any credit bureau. Nonetheless, the debt is not legally mine personally, it is corporate debt and I had no knowledge that American Express was reporting this as unpaid and charged off due to lack of communication on their end. This fraudulent and predatory reporting is inaccurate and falsely represents that I personally have failed to pay on time when I pay all of my personal bills on time. I request that American Express get in contact with me immediately to resolve this corporate debt and promptly remove the charge off from my personal credit report as it inaccurately and unfairly represents a charge off under my personal credit file. 

Furthermore, according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), American Express is required by federal law to provide proper physical verification of the original signed consumer contract WITH MY SIGNATURE ON IT to prevent fraudulent reporting by anyone paying for reporting services, which American Express failed to do. I will be taking legal action shortly due to the fraudulent and predatory reporting practices by, American Express Business unless the collection status is promptly removed if no attempt is made to contact me to discuss the validity and settlement of this account within the next XXXX business days.
Product: Credit reporting or other personal consumer reports

Experian and TransUnion i called and ask about removing the medical bills of my credit report. i was told that it wasn't for Texas residents.
Product: Debt collection

Professional Account Management, LLC, a debt collector for the Delaware Department of Transportation is frauduently attempting to collect the same alleged debts under unique and separate account numbers in an effort to double charge me. Furthermore, the alleged debts are not valid and I have disputed their validity countless times.
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On several occasions since XXXX 2017, I have worked on my credit profile to obtain a mortgage, Ive contacted Transunion and sent numerous documents in supporting wrong, incorrect, and receipts showing their reported balances are wrong, as well as dates reporting, I have contacted their customer service department and been transferred to the special handling department once they put fraud alerts on my file without my consent or asking, and then I contacted, by phone, mail, and email the executive consumer department of Transunion to get matters cleared up, sending countless faxes, email documents concerning a wrongly reported bankruptcy ( old aged ), a requested by creditor deletion, XXXX XXXX, ( old aged ) and as well as Ive paid 5+ credit cards to XXXX and they refuse to correct or report, they sent me a letter stating if I did not stop asking for corrections by the means I used they would delete my credit file from database, basically threatening me, to stop trying to correct their mistakes. I am at the point Ill take this letter to the courts and ask to file a case against Transunion for any applicable reasons herein as theyve intentionally mis reported, neglected request from creditors, refuse to remove old aged derogatory accounts as following the FCRA and are in direct violation of XXXX laws protecting consumers.
Product: Credit card or prepaid card

InXX/XX/2023 I received items from merchant XXXX that did not match the description on the website. Initially, the company was unwilling to provide a return shipping label to me so I could mail the items back. However, I was provided a shipping label on XX/XX/ and the items were successfully shipped back to the merchant. The dispute with this merchant is STILL in limbo between PAYPAL and PAYPAL CREDIT ( XXXX XXXX  ). XXXX XXXXXXXX XXXX, the dispute was CLOSED on XX/XX/. However, the case is still OPEN in the PAYPAL system and has NOT been reviewed since XXXX. I EMAILED PAYPAL with the CLOSURE LETTER I received from PAYPAL CREDIT ( XXXXXXXX XXXX ) **THREE TIMES** yet the case remained OPENED and UNRESOLVED. I have contacted BOTH PAYPAL and PAYPAL CREDIT and NEITHER company has been helpful. Each representative points the finger at the other and I was left with no resolution. I have been hung up on REPEATEDLY and spent HOURS on hold seeking resolution. I explained to MULTIPLE representatives AND managers that there appears to be a glitch in their systems which is holding up the resolution of the case, but NEITHER company offered assistance to fix this issue and its been ongoing for over 2 MONTHS now. I even asked PAYPAL CREDIT XXXX XXXX XXXX  ) to stay on the phone with me and help facilitate a resolution with PAYPAL. Instead of assisting me with the issue, the representative placed the call BACK IN QUEUE and I had to go through the prompts all over again!! XXXX has already agreed to refund my money ( {$220.00} ) once the case is CLOSED. However, since its still OPEN in the PayPal system, they are unable to move forward with processing the refund. PAYPAL and PAYPAL CREDIT ( XXXX XXXX ) need to get it together and ensure their systems are updated and capable of addressing consumer issues. Im annoyed and dont want to do business with ANY of these companies going forward. Poor leadership, poor processes and poor controls! 

I DO NOT HAVE ANY OF THE ITEMS I PURCHASED AND THE COMPANY HAS YET TO PROVIDE ME WITH A REFUND. This case is STILL open and the PayPal Inc system has NOT been updated.
Product: Mortgage

We bought our first house on XX/XX/XXXX. After our first mortgage payment was made, our mortgage was sold to Panorama Mortgage Group. The first payment I made with them went through their office in XXXX XXXX and the second payment went through their office in Arizona. I have uploaded proof of payment, my bank statements from XXXX, that shows the payment being made to their portal 5 times. I have also talked to XXXX different people that said that the problem will be taken care of and not to worry. The problem is that we keep getting harassed to make a payment that has already been made. The first mortgage payment to Panorama Mortgage Group was made on XXXX. The other XXXX payments were made on XXXX and XXXX. Since XX/XX/XXXX, I have XXXX missed phone calls and called Panorama Mortgage Group 9 times to fix this matter with no resolution. This has now been going on for XXXX weeks and I'm afraid that they are going to put a late payment on our credit and hurt our chances to refinance the house, or cost us more money on other things that require credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am an XXXX XXXX military member who currently serve XXXX. I would like to know if someone could please assist me with this matter. Thank you. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.