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

After reviewing my credit report, I noticed I have 18 non-derogatory accounts and 14 derogatory accounts reported by the Department of Education / XXXX. On XX/XX/XXXX, I spoke with a representative from the DOE who informed me in XXXX ; I entered into a rehabilitation agreement. Since I completed it, he stated, all derogatory marks should have been deleted from my report. However, they were not. I received a fax from him confirming this. 

Also, I have three ( 3 ) derogatory student loan accounts reported by different lenders, depending on the bureau. 

XXXX  is reporting three ( 3 ) delinquent accounts from AES/XXXX XXXX. As of today, XX/XX/XXXX, the dates indicated as late are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX. I have contacted AES/XXXX XXXX, and they advised me that my account was transferred in XXXX. I have contacted this company numerous times. No further actions were taken. One representative informed me they have been having issues with reporting. Then another said, there wasn't an error even though I sent a copy of the report to their dispute department. In addition, there are more late payments between XXXX and XXXX reported by them. Which, I don't understand since I was rehabilitation. 
As per XXXX, the above mentioned loans original balance are as follows : {$2600.00}. 
{$580.00} {$1700.00} XXXX  is reporting three ( 3 ) delinquent accounts from XXXX. Each account shows late payments from XX/XX/XXXX to XX/XX/XXXX. When I contacted XXXX at XXXX on XX/XX/XXXX, I was advised that they are not a borrowing service and do not have my loans. However, this is the information on my XXXX  report. As per XXXX, the above mentioned loans original balance are as follows : {$2600.00} {$580.00} {$1700.00} XXXX  is reporting three ( 3 ) closed accounts will adverse payment history from XXXX. The dates are from XX/XX/XXXX to XX/XX/XXXX. 
{$2600.00} {$580.00} {$1700.00} Can you please help me resolve this issue? I am overwhelmed trying to understand where my accounts are and if they are accurate. Over the years, they have been transferred, and the lenders are not helping me clear it up. Also, the delinquent marks are adversely affecting my credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent account reported by XXXX XXXXXXXX with account number # XXXX on my credit reports. This account is entirely fraudulent, and I have no knowledge of its origin. I demand the immediate removal of this account from all credit reporting agencies and request a thorough investigation into this matter. 

Issues Identified 1. Fraudulent Account : The XXXX XXXX  account appearing on my credit reports is not authorized by me, and I have never had any dealings with this entity. The account is fraudulent and should not be associated with my credit profile. 
2. Violation of Privacy and Potential Fraud : The presence of this account suggests a breach of my personal information and potential identity theft. This unauthorized account is a violation of my privacy and potentially involves fraudulent activity. 

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The presence of a fraudulent account violates this requirement. 
2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified. 
4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 
5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.

6. Fair Debt Collection Practices Act ( FDCPA ) : Prohibits debt collectors from using unfair, deceptive, or abusive practices in the collection of debts, which includes reporting fraudulent debts to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUD ACCOUNTS ON MY CREDIT REPORT ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT # - XXXX Balance- {$16.00} Balance updated-XXXX  XXXX, XXXX Credit limit- {$500.00} Open/closed-Closed Date opened-XXXX  XXXX, XXXX Account type-Charge Card STATUS-Account charged off. {$16.00} written off. {$12.00} past due as of XX/XX/XXXX. 
Status updated-XXXX  XXXX Past due amount- {$12.00} Highest balanceXXXX XXXX XXXX  Monthly payment -- Last payment date-XXXX  XXXX, XXXX INCOMPLETE ACCOUNT 3 IS GROUNDS FOR REMOVAL AND DELETION OF THIS ACCOUNT Contact info Address XXXX XXXX XXXX XXXX, NV XXXX Phone number-XXXX ) XXXX 15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.
Product: Credit reporting or other personal consumer reports

LVNV FUNDING is a third-party debt buyer and I have never contracted with this company. They have obtained my information without my consent and are reporting to the credit reporting agencies without my consent as leverage to force payment even though I am not legally obligated to. Due to LVNV FUNDING reporting to the credit reporting agencies my ability to obtain credit and the necessities for my household has been hindered, damaging my financial progress. I have been denied credit due to this collection account. This is an adverse item of information being reported without my permission which is a violation according 15 USC 1681c ( a ) ( 5 ).

I am a federally protected consumer per the FCRA. I am opting out of reporting per 15 U.S.C 6802 and 16 C.F.R. 313. Any authorizations whether it be verbal, non-verbal, written, implied or otherwise is hereby revoked. I know that I can opt out at any time and that demand shall remain in effect until I revoke that order in writing per 16 C.F.R. 313.7 ( f ) ( g ).

I have the right to make sure my private information isn't shared which is according to 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. '' I demand that this item is removed immediately from my credit report and I am compensated for the damage caused by the reporting of this adverse information on my credit report.

I have attached a copy of the letter I sent which was neither replied to nor acted upon.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I submitted an online dispute with XXXX regarding the balance that was being reported on the XXXX XXXX ( XXXX XXXX XXXX ). However, I never stated that I did not recognize or was responsible for this account because I am an AUTHORIZED USER on this account ; I only requested to have the balance updated to show the accurate amount. Instead, without my authorization or approval, XXXX  has deleted this account from my credit report which has negatively impacted my payment history. 

Please add this account back to my credit report, immediately, Failure to do so is a direct violation of the FCRA. Additionally, please send me an updated copy of my credit report once this matter has been resolved.
Product: Checking or savings account

Bank of America XXXX XXXX Lost my fathers original death certificate on XX/XX/23 and then had to go to probate due to a computer error on their side as they forgot to check beneficiary in addition to co signer in account. Finally got probate decree and refuse to accept it and now says there is a deceased hold on account due to inactivity ( my father passed XX/XX/23 ) so it needs a full investigation and to make sure decree is valid and they refuse to close and disburse funds
Product: Checking or savings account

JPMorgan Chase XXXX is currently reporting on a Early warning service comprehensive report that I previously received. I had a checking account with chase many years ago. I have no accounts with chase and I have sent chase a letter to opt out of any and all sharing of my information. I revoked any permissions that I may have given written and verbally. Yet they are still reporting to third parties. Even on a current account that I hold with XXXX XXXX XXXX. I have not received any confirmation like I requested previously. They did not provide me with an opt out notice according to 15 USC 6801 - 6805. Early warning services is the company that has my transactions and experiences. I have not given them written permission to furnish my data. Ive been denied access to a new bank account due to you willful ignorance, lack of care and communication. I was humiliated learning that I could not open a new account. You are in violation of my privacy, and federal law. You ignored my request to opt out. So unless you will rather settle this matter in court Id suggest you remove information immediately and pay to my account {$1000.00} for every violation. This complaint is my official invoice. A total of {$5000.00} is due for every transaction on my report furnished by JPMorgan Chase which can be sent immediately via wire to my account Routing : XXXX Account : XXXX Thank you
Product: Credit reporting or other personal consumer reports

ENHANCED RECOVERY CORPORATION Account XXXX ) accessed my report without my permission. 

According to The Privacy Act of 1974 and the15 U.S. Code 1681b - Permissible Purposes of Consumer Report explains what a credit bureau can and can not do. I feel these rights was violated. " Theseaccount is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 16815-2 ( AX1 ) 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress appropriate redress for these violations.
Product: Vehicle loan or lease

I have been making payments on this Auto Loan through the XXXX XXXX XXXX XXXX XXXX for several years. For a used XXXX XXXX XXXX. The payments are {$550.00} per month which have recently been a struggle since the XXXX  of my son XX/XX/XXXX and also a loss of employment on my end. My payment history confirms I still make payments monthly even with my hardship. And I have attempted to make arrangements with the company. The most I have received was 1 extension offered after several attempts to make arrangements for payment. My Balance has not been reduced since the finance was approved. I am told that I can not apply for further extensions based off my payments made. I can not change the due date. I have a ridiculous interest rate and late fee logic that ensures no payment will touch principal. My due date assigned is XX/XX/XXXX of month so it is impossible to catch up on billing before another bill generates and the company uses this to take advantage of sending threatening cure and repo letters which from the way they are dated coincide with dates I make payments. Company has also blocked me from making electronic payments via web or phone and advised I can only mail payments in a effort to use my hardship against me in order to cure my account
Product: Checking or savings account

Today XX/XX/2021 I tried to log into my chase business account. Said it was locked for the 2nd time this week, first time was because I changed my phone number and email online.. I called the bank to see why it was locked and too unlock it, and now Im told it was being closed and they wont give me a reason as to why, it was a XXXX account, that I run my entire business through!! And now i cant even run a business until I can find another bank and then get my funds from that account back I just want my account reopened so I can assume XXXX as normal
Product: Checking or savings account

The Albert app charges customers subscriptions to use their product but they make it impossible to cancel. Ive been paying for about 2 years despite numerous attempts to cancel. They have been holding me hostage ( as well as many other customers ; XXXX Albert reviews ). Finally, in XXXX this year I was able to XXXX  my account out with them sending me a check in the mail. I thought this nightmare was FINALLY over, but no. Fast forward to XXXX this year they reopened my account and put a negative balance of $ XXXX. I have tried reaching them and they refuse to be helpful and tell me to pay it off if I want my subscription to stop ( unknowingly to me they restarted my subscription without my consent ). This is really my last course of action. Me and hundreds of other customers need someone to step in and stop them from holding us hostage.
Product: Credit card

Discover bank has a promotion where they double all cashback that you have earned at the end of 1 year. I enrolled in the promotion and even chatted with their CS team in order to confirm my enrollment. The chat agent informed me ( direct quote ) '' after reviewing your account I see that the enrollment was not completed as successful. I have already scheduled your account for the adjustemnt to have your cashback manually doubled. I will complete this at the end of your 12th billing cycle, then you will see it credited within two billing cycles after I complete the adjustement '' At that time and after not seeing my cashback post to my account, I contacted them and Discover bank flat out denies that I ever enrolled and they will not give me the cashback that I earned during the past 12 billing cycles. Banks should be required to keep to their word, and Discover should be required to pay me my rightfully earned cashaback award. According to my calculations they owe me over {$3000.00}.
Product: Checking or savings account

On XX/XX/2023, I received a letter indicating that Truist was closing my accounts per their decision, with no reason given. They indicated that a check for my funds would be mailed to my address after 10 business days.

The bank has not returned my funds, and a followup the the bank provided zero information on my balances or refund status. Additionally, the bank will not let me online access to see that balance in my account balances are accurate and current.

I am hereby requesting the bank provide the following in the next 15 days : 1 ) Current balances of all funds across all accounts being held by the bank 2 ) Statements from the previous month to ensure that no authorized transactions have taken place 3 ) All funds returned to me via check, as indicated in the original letter ; absent that, an accurate, and reasonable date of when they will be sent. 

Please note, banks are not allowed to withhold balance information from their clients. Additionally, failure to provide ALL the above requests, or failure to return my funds in a reasonable time period, will result in me taking IMMEDIATE legal action against the bank to recover all funds, and related expenses incurred.
Product: Debt collection

I HAVE NO ACCOUNT WITH ANY OF THE CREDITORS ON MY CREDIT REPORT NOR DO I HAVE ANY CONTRACTS WITH ANY OF THE CREDITORS ON MY REPORT THESE ACCOUNTS WERE OPENED BY SOMEONE WHO HAS STOLEN MY IDENTITY
Product: Credit reporting or other personal consumer reports

All the negative items on my credit report are not mines I was a victim of a data breach
Product: Debt collection

I took a loan with XXXX and defaulted. National Credit Adjusters ( NCA ) called me and told me that they could offer me a settlement that would not only clear the debt but they PROMISED they would remove it entirely from my credit reports and XXXX, their SISTER COMPANY, would also remove the marks. XXXX did not remove the collection from my credit report but they did file a loss with the government, for which I now owe taxes. 

I told the collection agency that I would eventually pay all my debt but needed to pay the debt that would improve my credit score first. They should not lie to people, who are already struggling. I've done some research and learned that XXXX sells much of their bad loans to National Credit Adjusters, so I am holding them responsible for the false promises made by NCA. 

Thanks, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : XXXX XXXX XXXX Dear Equifax : Please remove the bankruptcy notation from this account. I filed for bankruptcy to stop the foreclosure of my home. I did not include this XXXX account in my bankruptcy. I dismissed the bankruptcy soon after I filed it. 

I do not believe this account should be reported on my report because I did not open it up. But even if the account did belong to me, the balance is incorrect. Although the collateral ( automobile/vehicle ) securing this loan has been given to XXXX, there has been no credit to the balance. Please reduce the balance by the value of the collateral that has been returned to XXXX. 

Yours truly, XXXX XXXX XXXX
Product: Mortgage

XXXX 2017, XXXX I have contacted this company more than one time to get this matter resolved. I have not received a phone or any feedback. It is reporting as derogatory for XXXX XXXX. I have never live there and the application was never complete. When I was going to sign a lease they change the cost of the rent before the move date application was never complete.
Product: Mortgage

A mortgage servicing is inaccurately reporting a tradeline that was discharged in a Chapter XXXX Bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy listed on my credit report that does not belong to me. Additionally, there is an address that I have never lived at. Please remove them from my credit history as this is hindering me from attaining a home loan.
Product: Student loan

Recently the Education Department announced a group discharge for XXXX borrowers based on findings that the school misrepresented it's students. I attended XXXX from XXXX - XXXX and I have both federal and private loans. Also, in XX/XX/XXXX, my XXXXXXXX XXXX XXXXXXXX application was approved to discharge my federal loans. My private loan is held by Navient. Navient will not discharge my priviate loans despite evidence the school I attended misrepresented me. Not only have they not agreed to discharge my private loans, they have increased my interest rate. The interest rate is so high, even making on time payments, I would never pay it off. I'm struggling to pay these Navient loans from attending a school that defrauded me. I have also file bankruptcy twice because I can not afford these high interest rate loans. I feel my private loans from Navient should be forgiven.
Product: Checking or savings account

One XX/XX/2017 I deposited a check from XXXX XXXX. At that time I was told the funds would be available in two days and they would release XXXX upon deposit by a lady name XXXX. However, when the funds were not available, I then went back to the bank and was told by XXXX there would be a ten day hold as suspected fraud. I asked for the check back so I could have XXXX XXXX wire the money they said it was too late. XXXX then informed me they could not give it back because it was sent to the Federal Reserve for Investigation and they automatically keep them for 10 days. I contacted the Federal Reserve, they told me this information was not true and advised me to contact you. Prior to contacting you, I called once more, spoke with XXXX and she also confirmed to me the check was sent to the Federal Reserve for suspected fraud that the check was not XXXX XXXX 's. ( I am sure the recordings will reflect my truth in this ) I informed her I was told by the Federal Reserve that was not correct the Federal Reserve does not do that. I told her XXXX XXXX offered to verify the check was theirs and she said they do n't call and verify nor do they accept phone calls. I told her XXXX XXXX offered to wire the money, they said that could not happen. I asked then if it takes at most 3 days most for the money to be put in the account why would they even consider holding it ten days? If it 's subitted to XXXX XXXX, they put the money in the account, it is obvious NOT fraud, so why hold it ten days? Why on top of that require after the funds are put in account, why require Proof of Payment? Sounds like a lot being done to hold on to a check. She said that was the guidelines set by you. There is no fraud, which is obvious, I know there is n't. XXXX XXXX has tried to help resolve this. I have NEVER had fraud nor committed fraud on my account. What is sounds like is they just want to hold the money for as long as they can to draw interest, if you think about it, if they do this to 5 % of their customers daily it can add up. This is not right, I do n't even have money to buy groceries right now or put gas in my vehicle. I am not rich, I live pay check to pay check. They are also requiring even if money released for XXXX XXXX to issue a proof the payment was taken from their account and said even when they do that it takes 48 hours. They did not tell me this when I deposited it on XX/XX/XXXX either. I know this all sounds so unbelievable you have to think there must be some sort of fraud or I have to be a bad person but there is no fraud and I am not a bad person. I have had an account with them, I did not use it much as I was laid off when my company closed but I have finally went back to work.