23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

PRIOR TO XX/XX/2020 MY FEDERAL STUDENT LOANS WERE $ 59K+ ON XX/XX/2020 STUDENT LOANS AMOUNT INCREASED BY {$63000.00} AND I AM NOT IN SCHOOL ANYMORE. THE TOTAL STUDENT LOANS ARE NOW TOTALING {$120.00}, XXXX AND THE NUMBER OF STUDENTS LOANS WENT FROM 19 TO 38. THIS INFORMATION IS INCORRECT AS THE DEPARTMENT OF EDUCATION ONLY ALLOW A SPECIFIC AMOUNT IN STUDENT LOANS IN A LIFE TIME. I DONT KNOW HOW MY CREDIT REPORT COULD REFLECT AN INCREASE WHEN IM NOT IN SCHOOL AND WILL NOT BE ENROLLING IN SCHOOL. THIS IS AN ERROR AND SHOULD BE CORRECTED. MY STUDENT LOANS SHOULD BE {$0.00} DUE TO DISCHARGE OF MY STUDENT LOANS THROUGH TOTAL AND XXXX  XXXX DISCHARGE. INSTEAD OF REPORTING LOANS AS BEING PAID IN FULL, THEY DOUBLED IN AMOUNTS OWED.
Product: Credit reporting or other personal consumer reports

Under the regulations outlined in the Fair Credit Reporting Act, I am composing to formally request an investigation and correction of the accounts listed below on my credit report, as they appear to be inaccurate and incomplete. 
XXXX XXXX XXXX  XXXX Balance : {$100000.00}, XXXX XXXX XXXX Balance : {$23000.00}, XXXX XXXX Balance : {$1400.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I called XXXXXXXX XXXX they first transferred me to XXXX XXXX  and XXXX said we not Collecting/ Canceled Collections!!! 
Then called XXXXXXXX XXXX again, they then transferred me to XXXX XXXX and XXXX said we not Collecting Collections, we don't know why XXXXXXXX XXXX transferred you to us!!! 
XXXX XXXX said send me a copy of XXXX XXXX Email and Fax it to US and we give it to XXXXXXXX XXXX to delete it from your account!!! HER NAME WAS XXXX!!! 
XXXX XXXX FAX # XXXX FILE # XXXX ATTEN : XXXX ( XXXX ) ( XXXX )
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 XXXXXXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account XXXX has violated my rights XXXX Or list of inquiries 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

i have 8 inquires on equifax that shouldnt be on my report, i have 3 inquires on XXXX  that shouldnt ne on my report, and 5 on XXXX  that shouldnt be on my credit bureae period,
Product: Credit reporting, credit repair services, or other personal consumer reports

DEAR CFPB ; EXPERIAN ; XXXX ; AND XXXX ; SEE ATTACHMENTS - I'm not sure who to talk to anymore, but i have been trying to get this alleged negative public item from my credit report, because it's unverifiable, incomplete, and has multiple inaccuracies. I actually contacted the clerk at the courthouse and attached is proof that they don't report any consumer info to the credit reporting agency. There is no way that they can say that it was verified.

The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research.

A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?
Product: Checking or savings account

I was contacted on XX/XX/18 by a person claiming to be a Bank of America employee ( call was from a B of A # ) who stated that fraud activity was detected on my card ending in XXXX. I confirmed that was my card and the person assured me that she was canceling the card and would reissue a new one. She read me other recent activity on my account to confirm whether it was valid and sent text messages with authorization codes I was required to read to her ( also from a valid B of A text # ). As she was 'working to resolve my issue ', I began to receive other emails and text messages regarding activity on my account. I tried to log in to my account but couldn't. She told me she saw that I was trying to log in and would walk me through that step when we were done. She also said that she was handling the additional messages I was receiving on my account. After 1 hr 9 min on the phone, the call dropped. I hit redial from the # she contacted me on and was connected to B of A fraud dept. I explained what had happened and eventually I was able to log back in to my account to see that both my checking and savings accounts were depleted. This 'employee ' had transferred my savings funds to my checking account and authorized multiple ATM withdrawals and purchases in Florida ( I live in Arizona and had my card in my possession ). I opened a fraud claim with B of A, which has been denied. Because this person had access to all my personal information, I feel at risk for identity theft as well and have issued fraud alerts, a credit freeze and filed a police report. Bank of America couldn't possibly have actually researched this claim to come to the conclusion that the charges were authorized. I have submitted additional information requesting reconsideration of the claim, but have no faith that the results will be different. I've called multiple time and they are dismissive and unhelpful. They do not want to admit there are gaps in their security that allowed this to happen. Everyone should be aware of this because it could happen to them.
Product: Vehicle loan or lease

XX/XX/XXXX I purchased a XXXX XXXX XXXX and KIA MOTORS FINANCE provided the loan for the vehicle. 

On XX/XX/XXXX I traded in the XXXX XXXX and XXXX paid off that loan, the loan was then closed and a refund of {$21.00} was mailed out. 

On XX/XX/XXXX I received my annual XXXX bonus and I did not realize that my bank still had it set to send a large payment of {$5000.00} to KIA MOTORS FINANCE to pay down on my loan. I forgot to cancel the scheduled payment to KIA MOTORS FINANCE when I traded in the XXXX XXXX. 

On XX/XX/XXXX KIA MOTORS FINANCE received the payment, which as my bank advised me could not be reversed. I immediately called KIA MOTORS FINANCE so they could immediately process the refund and was advised that it would normally take XXXX business days to refund me but the customer service representative emailed the payment processing department to immediately refund me. 

On XX/XX/XXXX I again called KIA MOTORS FINANCE for a status update on my refund of the {$5000.00} and was told by everyone I spoke to that it would take 30 business days to refund me and there is nothing they can do. 

{$5000.00} is a LOT of money to be out. They're HOLDING on to MY money. My KIA MOTORS FINANCE account was closed out on XX/XX/XXXX with a ZERO balance. So how can they hold on to MY money?
Product: Vehicle loan or lease

I have a vehicle loan with Pentagon Federal Credit Union. I was notified by the credit union I needed to provide insurance reflecting the credit union as the lien holder on the insurance policy with progressive insurance. I provided the information on XX/XX/2021 for full coverage insurance and on XX/XX/2021, the credit union added XXXX XXXX for {$6400.00} despite the fact I have provided insurance verification with Progressive reflecting Pentagon Federal Credit Union as the lienholder. This appears to be an attempt to levy a cost to the consumer for a fictitious issue when the insurance for the vehicle was forwarded to the credit union as requested. I had called on multiple occasions to discuss the issue so I was aware of the specific requirement. I have never experienced such a mess with a financial institution and this is costly to consumers. I am curious how often this happens across the credit union for vehicle loans. I am a retired XXXX  XXXX and have had numerous vehicle loans throughout my life and have never had this type transaction. The credit union appears to be aggressive in providing other benefactors with business at the consumer expense. This transaction appears fraudulent.
Product: Mortgage

I have a mortgage with M & T Bank and I truly believe that they have applied my payments or paid off someone else 's mortgage. I have a friend who worked for this bank in the Collections Dept. and told me to call the bank and ask for every payment that I have made, which I did. In which I only received XXXX. I have had my mortgage with them since XXXX. I called to inquire why I only received these dates they in turn told me " Oh we purge files after so many years. '' According to my friend M & T acquired 4 accounts from other banks, and the records were merged. M & T actually paid of several wrong car payments. In XXXX I was struggling to pay my payment ( never once was I late ) and called M & T to see if they had a program to help and I was making Bi-weekly payments, and when I went back to regular monthly payments, I was told that " I took 4 years off of my mortgage. When I called recently they told me that I was not told the truth. My mortgage payments started XXXX a month and when they jumped my mortgage in XX/XX/XXXX it went from XXXX to XXXX as they put it " do to the rise in your taxes '' I was never notified of this and they fought with me and said they did. I called to get a payoff in XXXX of XXXX {$40000.00} I looked the other day and it's XXXX also saw a recoverable corporate advance for XXXX I called the bank and demanded to speak to a supervisor and he said " That was a charge for you trying to refinance last year, which I refused because it wound up being a second mortgage without ever being told. I told " XXXX '' the supervisor that they are hiding things, why I never received ALL the years of payoffs, and he denied the acquisitions then when I mentioned my friend he finally admitted that in fact they did acquire other notes from these banks. XXXX is suppose to send me every payment I made, which will be XXXX years this XXXX. I was also told by XXXX that because my late husband and I lowered our interest rate from 8.5 % to 6 % that counts as a second mortgage this was done over the phone and was never told that this is how it works and I never received any paperwork at all, which seemed very strange to me.I spoke with XXXX on Monday XX/XX/XXXX and he told me he would look into this ASAP and I have never heard another word. XXXX also told me I should pour more money into my payment towards the interest that is why I am now paying XXXX.
Product: Credit reporting or other personal consumer reports

UPON OPENING MY CREDIT REPORT I REALIZED THAT THERE WERE UNAUTHORIZED FRAUDULENT INQUIRIES ON MY CREDIT REPORT. 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and ignored of my disputes. Section 611 ( a ), it is plainly stated that the failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XX/XX/XXXX data breach and may have gotten into the hands of the wrong person.
Product: Mortgage

After my first husband passed, I paid off XXXX with Bank of America in XXXX and requested the account be closed. XXXX years later, in XXXX of XXXX, I received a letter from BOA suggesting I owed for lender insurance that they purchased without my knowledge, notification, or consent, to cover my XXXX balance HELOC because they could not seem to verify that I had insurance on my home. I have spent over XXXX hours on the phone with XXXX different departments giving them either policy information or phone numbers for our agent to verify insurance coverage on my home. They are now suggesting that I owe $ XXXX before closing out my paid-off HELOC that I instructed BOA to close back in XXXX ( in person at a local branch ). This is clearly deceptive trade practices, and BOA is NOT doing its job on account administration. I am asking that this practice be looked into and stopped to protect other consumers.
Product: Debt collection

Good Afternoon On XX/XX/XXXX I Received a call from a so called Process Server claiming they had Court Papers in my name that need to be served to me. She claimed that she didn't have much information on this Debt  as the documents were sealed, and she asked if she could deliver them to me at around XXXX on that Friday, and I said no I won't be around. She then stated that I need to call this toll free number and reference this Case # to them. So, once I hung up I reached out to them. I got someone that picked up and said Law Firm and his name. I tried to ask the gentleman that i was talking to questions and he was very nasty and was getting loud with me and was claiming I owed 15,000 on a charge for a XXXX. I tried to get names and information on this debt and he couldn't tell me. I then hung up and called the police, and the police department stated that this sounds like fraud. He gave me some information on what I should do and I hung up with the officer. I then tried to call back a second time to that debt collect. When I called was the same thing. He said Law Firm and his name. So, I proceed to say may I get the name of your Facility and a address so I can send some information to you to get a better understanding on this so called debit I owed and I am going to the police. At, that point he started to yell at me and scream at me that I keep charging and charging on a credit and never paid it back and you can go to the police and tell the police department the card XXXX. I said I want to figure this out and understand what we are talking about I said I am not trying to fight with you but your getting nasty with me. HE then transferred me to another guy who was a little more calm but very abrupt with me. He stated that i am being Sued for a credit card about of 15,000. I asked him who the debt collector was and all he could say was First USA Bank / Chase. He then said that I was paying on this card back in XXXX and I stopped and then it went to collection which hes said that they attempted to send me notifications on this but Ignored it and it was sent to Fraud. I said how is that possible there is no such thing to do that. So, he then started talking over me getting more abrupt that he will now just send this to a Judge and they will garnish my pay and bank accounts. I tried to ask to get a phone number and a address of the person that is pursuing this debt and said I didn't need that it wasn't necessary and I said what address was the collection letter send to in XXXX and he could tell me that either. I said then serve me paper
Product: Credit reporting, credit repair services, or other personal consumer reports

It 's been well over a year now, and I 'm still battling with Equifax and   XXXX   to review my statements and remove the remaining collection accounts. After reading their website, the FTC internet site, and justice departments website I gained the instructions to fix your credit when identity theft happens. All required documents have been submitted, and these companies wo n't comply. This is my second complaint against them. I know deep down that they are Intentionally keeping these accounts on my reports and other Americans so they can continue to collect monthly reporting premiums from the collection agencies. Why else would they review my documents and completely ignore them? Every time I call there is a person with a thick accent that is trying to sell me credit monitoring!! All they care about is money, and th e CEO 's  and leaders of these companies should be ashamed of themselves. These collections are keeping me from moving forward on some life goals so my family can have a nicer school to attend. Thank you CFPB for being here for us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was short on student loan money years ago and signed with the former XXXX XXXX ... I still have the documents that I signed and co signed with my mother who passed away. When my mom passed I started reviewing finances, and discovered that I had well over paid XXXX, yet they continue to harass and even called my new job. They say something about interest each time I call to work something out, they begin to argue and threaten. I even have my bank statements where they were paid in full. This company is complete fraud. They will try to destroy your life no matter how much you pay them, they continue to try to destroy your credit. I have all the bank statements and original loan information that I signed. Both are very private documents, but I will be happy to forward them over with trust. I signed the document on XX/XX/XXXX for a XXXX loan with XXXX XXXX, which is now XXXX. I had a interest rate of 14.250. I began paying on this loan in XXXX and my bank account can only go back 7 years, but I have been paying them for 10 years. My credit report states that I borrowed {$4000.00}, and I have paid the company {$9000.00} or more, I was told to stop payment in XX/XX/XXXX because the balance was still over {$6000.00} dollars. The company continues to tell me that I owe them, they have went against my perfect credit, they literally harass my family and my job. They refuse to send me documents explaining where and how I owe this so called interest. They have been paid 100 % percent interest and more.
Product: Money transfer, virtual currency, or money service

My PayPal account can't log in, because I didn't log in to XXXX for a long time after I went abroad, XXXX deleted my email, I used XXXX phone, so I couldn't verify my phone, my money was in PayPal, but for a long time, I couldn't log in to my PayPal account My PayPal email XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whoever May Be In Charge : I am agitated and dismayed that you continue to list ( 2 ) dismissed bankruptcies as confirmed. I have been in correspondence with all 3 ( for over 4 months... I even was lucky enough to have my file assigned to " Special Handling '' with one as soon as I MENTIONED CFPB ) bureaus as well as the US Bankruptcy Court ( who also told me that they could not verify this information nor would they verify, validate, update, or otherwise with any credit bureau ) that is listed on my disputed credit reports. I am well aware that you receive your information from a third-party, whether it be XXXXXXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX or from XXXX. The system is not always accurate because of the limitations of providing an ENTIRE 9 DIGIT Social Security Number to validate/verify data. 
Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act does not mention anywhere in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly reads from " date of adjudication '' or date of " order for relief ''.

''Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have been adjudicated. You have zero right to maintain information which the United States Government has VALIDATED as non-existent. 
It is only fair that in accordance with section 1681 ( a ) ( S ) of the FCRA you delete this from my credit report and send me an updated copy. Considering it should not require an investigation whatsoever, I would appreciate your rapid response within 15 days from the date you receive this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the creditor about these 2 accounts via telephone when i saw them pop up on my credit report to validate these debts..they could not do so ... .I disputed these accounts with the credit bureaus and they " verified '' them ... how can this be validated and verified with all of the incorrect reporting on the report? First off these are reporting as collections but they are reporting a past due, that is a violation. the dates of last active and dates of last reported are all inconsistent throughout all 3 credit bureaus ... .all of the comments are inconsistent as well through the 3 bureaus ... .the account type is inconsistent through all of the bureaus, there are multiple violations..there is no way that any of the 3 credit bureaus did an full and complete investigation when the reporting is totally inaccurate.
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 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/ have the right to privacy. 

XXXX5 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. 16818-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.