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 U.S.C 1681 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 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 1681 C ( 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 with antedates the report by more than seven years.

15 U.S.C 1681S-2 ( A ) 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: Mortgage

As of XX/XX/2021, PNC has not moved to open Covid foreberance, not allowed my PPP 2nd application ( which has been approved in XX/XX/2021 ) to be processed and not allowed a business checking account to be given a credit card instead moving the card application to the personal checking account which would not allow for purchase of business property with Covid relief packages through various DC local programs.
Product: Debt collection

I received notice of a debt that is not mine. I wrote to the company within 30 days of receipt, as is my legal right. Today, I found my credit score has dropped by 27 points and this company was listed as the cause, having made a false report. I disputed this via XXXX. After having made the dispute, I noticed the collection agency reported this misinformation to XXXX   PRIOR to their even MAILING the letter to me. I believe this is illegal and want this removed from my credit report ( s ) IMMEDIATELY. My payment history is 100 % and I want this permanently removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to make contact with XXXX XXXX XXXX  in XXXX of 2018 to update and resolve the reporting that was being done on my credit report. There was acknowledgment that both the collector and XXXX XXXX XXXX received my letters of communication and did not update my report accordingly. The current status of the account is not correct and unverified. The amount of time that has gone by with no communication or update to my credit report has caused disapproval of loans, denial of jobs etc. The reporting is inaccurate and inadequate and unverifiable
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX XXXX XXXX. The vendor, XXXX XXXX, in XXXX, did not complete the job I paid for and cause additional damage to the transmission. I had to have the job re-done at XXXX XXXX  XXXX in XXXX, and the owner agreed to supply me with a letter stating the damage was caused by XXXX 's mechanic. I submitted the documentation and asked for the charges to be reversed as per my contract. XXXX refused, so I disputed the charges. On XX/XX/2018 I settled with XXXX through XXXX, XXXX 's collection agency, who agreed to list the account as " paid in full, '' without any derogatory comments, including the account having been settled or any monetary amounts having been " written off. '' At the time, I needed to have the account cleared per the requirements of my mortgage company who was financing my new home. 

I have a voice recording of the conversation with the agent from XXXX who agreed to these terms, and a letter from the collection agency, XXXX, stating these are the terms. 

XXXX has assured me that all the credit bureaus were notified of this update, but all three credit major credit bureaus ( XXXX, XXXX, and Transunion ) all have inaccuracies still listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

M y Capital one c redit card  XXXX   XXXX   XXXX   XXXX  has been removed from my credit reports due to a credit bureau mistake. This account got mixed up with a different account reported as fraud. This card needs to be re-reported by  Capital One to ALL  XXXX  credit bureaus. All pay history since 2010 needs to be up dated immediately. If any requests have been made by any of the credit bureaus to stop reporting this account please disregard them as invalid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have one account reported in my credit report that do not belong to me and I would like to remove it due to identity theft
Product: Student loan

In XXXX/XXXX I was asked to make large payments of over {$450.00} per month. At that time I made less than {$12.00} per hour and I was the sole supporter of XXXX kids. I asked for a income sensitive or hardship payment plan and they said they do n't offer those and my only choice was ; pay the large bill, default, or go into forbearance. So, I took the forbearance and interest kept building. I went into Chapter XXXX and stayed in it to protect me from the collection that would happen if I did not. I begged for Hardship forgiveness but was told it was not possible. I have paid off my ch XXXX and they immediately started demanding a large payment again. Navient says I am in default, which is not possible since I just got my XXXX discharged. I asked again for lower payments and they put me into forbearance without ever discussing that with me. I complained about their billing and I was told they were going to place a hold on my account and return my call with the results of their investigation. That 's when I received a letter informing me I had been put into forbearance. I was also then directed me to a website outside of their company to request a lower payment. I received another notice 7 days later saying I will now owe an additional {$30000.00} in interest! This must be a mistake, but why is this happening? They say I now owe more than triple my original loan amount. All I wanted was a reasonable payment but I still do not have answers and they are reporting me as default when I am not. They are reporting negatively on my credit even after I was told they were working on my account. It 's affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is becoming very exhausting. For whatever reason XXXX keeps removing my capital one account from my credit report which keeps dropping my credit score. My account is still active. My card ends # XXXX. Experian and XXXX is currently reporting however once again XXXX Keeps removing it. This is not fair to me and has kept me from relocating due to the huge drop in my credit score. 

I am also an authorized user on my moms Capital one account. That account was also removed. My mothers name is XXXX XXXX XXXX .The account was opened XX/XX/2010 and has a balance of $ XXXX.XXXX 's customer service is horrible. I've been told over 10 times the issue is with Capital one however when I contact Capital one my account is still active and was told over 10 times they report to each credit agency.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXNELNET Account Number : XXXX and 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: Mortgage

XXXX XXXX XXXX, XXXX was in arrears by approximately $ 20K on a mortgage loan with BancorpSouth Bank as of XX/XX/XXXX. The amount remaining on the loan was approximately $ 120K, as evidenced by the invoice attached. On XX/XX/XXXX one of the buildings located on the property was destroyed by fire. After the tragedy, it was discovered that the property was foreclosed on XX/XX/XXXX. No notification of pending foreclosure was ever received by XXXX XXXX XXXX. The property was appraised at $ 240+ in XX/XX/XXXX ( please see copy of appraisal attached ). BancorpSouth contacted the insurance company and requested that insurance proceeds be sent directly to them ( please see attached email ). The building that was destroyed was insured for {$150000.00}. 
A check in the amount of $ XXXX was made payable to XXXX XXXX XXXX XXXX, BancorpSouth Bank, and Small Business Administration. If repairs were made within a certain period, then the additional coverage amount would be forwarded. As of this date, no check has been forwarded to XXXX XXXX XXXX. The bank now has the property and the insurance proceeds, which is much greater than the $ 120K that was owed. This seems unfair and unjust. XXXX XXXX XXXX paid the insurance premiums and seeks the insurance proceeds received for this loss.
Product: Checking or savings account

Wells Fargo bank allowed XXXX $ of UNAUTHORIZED CHARGES OUT OF MY ACCOUNT AND THEY REFUSE TO RETURN MY MONEY TO MY ACCOUNT! I CONTINUED TO SUPPLY DOCUMENTATION MULTIPLE TIMES AND ITS EXCUSE AFTER EXCUSE TRYING TO BLAME EVERYONE BUT THEMSELVES! IM SO TIRED OFBANKS THINKING THEY ARE EXEMPT FROM RULES AND REGULATIONS! WHEN ARE YOU GOING TO MAKE THESE COMPANIES ACCOUNTABLE FOR THEIR SHADEY ILLEGAL BEHAVIOR! I WANT MY MONEY BACK ASAP! XXXX XXXX XXXX XXXX DOLLARS IS ALOT OFMONEY! It has been over 6 MONTHS NOW AND THEY JUST KEEP PASSINGTHE ISSUE AROUND TO MULTIPLE ENDLESS PEOPLE AND OFFICES WITHIN WELLSFARGO BANK IN XXXX XXXX FLORIDA ON XXXX XXXX! please DO SOMETHING
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Transunion ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Transunion ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Transunion ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Transunion ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX Inquiry Date XX/XX/2021 XX/XX/XXXX
Product: Debt collection

I didn't have medical insurance when I visited the ER and had no job and person who called threatened to damage my credit.
Product: Vehicle loan or lease

I bought a car from Drivetime, the sticker price was at XXXX ended up with a XXXX, in the end after all payments are made I would have paid them {$27000.00}, I notice after two years I am getting charge a daily interest rate of {$5.00}, its making it impossible to bring balance down I tried refinancing the vehicle, but its only worth XXXX, no one will refinance the car because of what the car is worth, the car is just below the sticker price now, at {$12000.00}, I have called them several times to give me a lower interest rate the current rate is 15.9, I would like them to lower so I can pay off this debt, but they will not work with me, I have made all my payment on time so far and still they will not budge
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I noticed that my daughters student loan was listing me as the individual owner of the loan. I have not attended college and was only the cosignor for her- To date nothing has been done to change this nor remove it until it is accurately reported. It was reported to TransUnion and should not take this long as I have not and do not attend College I am only the father of the child who did and she applied not myself.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, case # XXXX, '' According to XXXX XXXX XXXX XXXX XXXX , XXXX is not longer actively involved in any collection efforts, and we are no longer reporting this account to any credit reporting gencies. Well, according to my credit report with equifax, not only is it reporting, but it's reporting as a collection. Secondly, up until XX/XX/year>, XXXX XXXX changed the removal date of this account from XX/XX/year> to XX/XX/year>, which is clearly illegal. Thirdly, XXXX is the original creditor, whom sold my information to XXXX XXXX illegally, so therefore these are reasons to delete this account from my report. XXXX XXXX  can not pass this account on to any other collection agencies.
Product: Credit reporting or other personal consumer reports

XXXX Balance details 0 % paid off Balance {$38000.00} Balance updated XX/XX/XXXX Original balance {$38000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX number ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX details 0 % paid off Balance {$38000.00} Balance updated XX/XX/XXXX Original balance {$37000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type XXXX  Contact info Address XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Inquiries that are being challenged 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: Mortgage

Hello, my name is XXXX XXXX. I 've been trying to get a loan modification from Ocwen Loan Servicing since XX/XX/XXXX. They told me that they can give me a modification but the amount they give me was more than the amount I could not pay from the beginning. I need help to get this company to work with me and give me a reasonable loan modification payment that I can afford. How much longer will they play this game? I understand that im delinquent but they are not helping me to get a loan mod that I can afford. 
I have now foreclosure sale date XX/XX/XXXX and am scared that I will lose my home and not get a chance to get approved for a loan mod that I can afford.
Product: Credit card

Back At XXXX  During Covid-19 Lockdown I Had Signed Up For Apple Card. When It Was Relatively New at The Time And Was Being Marketed To The Public Masses. I Was Only XXXX At The Time And Thought A Metal Card Was So Cool So I Signed Up. i had a limit of XXXX dollars and i didn't know any better so i used it all and got laid off my job but i wasn't able to pay it until a few months later which resulted them closing my account. they wouldn't let me reapply for the card now and ive been wanting to reapply since i changed my name.
Product: Student loan

I tried to make payments could afford to make payment was never given the option to pay XXXX due to income, had to file bankruptcy and still couldnt get relief, I also went to a school the fell under the AG lawsuit but wasnt given a cancellation was told I need to take this up with the Attorney General for help.
Product: Credit reporting

I have been trying since last year to obtain my credit report online from Transunion. I have disputed the issue several times to Transunion and i was told that there is not an error on their part. But it is! My file has some sort of block on it that will not allow me my credit file online unless i PAY for it. I 'm attaching again a copy of the error message i have been getting since last year. every time i call they can not give me any information as to why my file is blocked for myself to view
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issue regarding late open account on my credit report and express my frustration with the multiple unsuccessful attempts to have them corrected. Despite numerous efforts on my part, the inaccuracies persist, causing significant distress and damage to my financial standing. 

Since discovering the late open account on my credit report, I have diligently followed the prescribed procedures outlined by your agency to rectify this issue. I have submitted formal disputes, provided supporting documentation, and cooperated fully with your investigation process. However, despite my persistent efforts, the inaccuracies remain unresolved. 

The presence of these inaccuracies not only undermines the accuracy and integrity of my credit report but also poses a serious threat to my financial stability. As a responsible consumer, I find it unacceptable to be unfairly penalized for inaccuracies that do not accurately reflect my credit behavior. 

Furthermore, the lack of progress and communication regarding the status of my disputes has further exacerbated my frustration and eroded my trust in your agency. I have not received any updates or explanations regarding the reasons for the repeated failure to correct this inaccuracy, leaving me feeling disregarded and powerless in protecting my financial interests. 

I demand immediate and effective action to thoroughly investigate and rectify these situations by expediting the correction of the late open account from my credit report. Additionally, I request transparent communication and regular updates regarding the steps being taken to address these matters. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX Balance : {$2000.00}.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. The balance on my credit report is not the same balance I have with the original creditor. There are also inconsistencies in the data being furnished. How can the date last active be different than what another bureau is reporting if all information should be complete and accurate? Furthermore, I was never sent correspondence notifying me that this account was sold to SOURCE RECEIVABLES MNG which is another violation. I received nothing in the mail leading up to this collection being reported. This account was added in XX/XX/2023. I am requesting a copy of the correspondence mailed to me during that time informing me that I had a debt with your company. If you can not provide this, then this is another violation. According to the FDCPA Im entitled to XXXX dollars per violation. If this account is not removed and payment within 15 days, I will forward this information to my legal attorney so that this can be handled in small claims court.