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

I have sent several requests regarding late payments that are being reflected on my consumer report and still have not received a response on XXXX I sent a CFPB request claim number XXXX and XXXX requesting PROOF of these so called late payments and stated LAWS that they are BREAKING by reporting INACCURATE information it has been well over XXXX I still have not received proof I DEMAND that ALL LATE PAYMENTS be REMOVED XXXX XXXX XXXX from my credit report and updated to show as positive. Account XXXX department of Education
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 : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX : Account Number XXXX XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXXXX/XX/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 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: Student loan

When I started receiving notification on recertifying my income contingent plan, in XX/XX/XXXX, I went to the financial aid page and completed the application and submitted it. Apparently Navient disapproved the application because I " submitted it too soon ''. I do not recall receiving an email on it, so I assumed I was all set to continue my plan. In XX/XX/XXXX, I checked my account and noticed my payment was going to increase by {$200.00} a month. I checked my messages on my Navient page and found a letter regarding my application. I reapplied, just making the deadline, and thankfully am approved now to continue. This would have caused an extreme hardship had I not been dilligent at checking my auto pay amount twice every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

On vacation in spring of XXXX, I went to visit my family in New York XXXX. While in XXXX, NY I lost my wallet. I searched for my wallet high and low with no success. Upon the realization that my wallet was gone, I contacted XXXX Bank and XXXX. When I contacted the bank, I discovered that my bank account was depleted. There were also several unauthorized charges which included : XXXX monthly passes purchases, random locations based out of XXXX XXXX, NY, and several other unknown purchases. All of my identification and checks were lost including drivers license and social security information. I had to replace everything. Moving forward, I purchased a house for myself, spouse, and children in XXXX and became ill due to complications as a XXXX XXXX Veteran. Therefore, I was XXXX XXXX in the Spring of XXXX by the Department of Veteran 's Affairs. During this process, I ordered my credit report because of the denial of credit application. I discovered that there were numerous fraudulent charges that I was unaware of. I contacted XXXX Transunion, and XXXX about these charges. Sending requests to dispute, these fraudulent charges, these accounts had already been sold. Despite this I sent I contacted XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX because they were the charges that I did not authorize and had no knowledge. I reached out via certified mail and telephone correspondence. I received a letter XXXX/XXXX/XXXX from XXXX XXXX that stated- unable to locate an account. I completed a police XXXX for transactions. Despite writing letters to XXXX and XXXX on XXXX, XXXX. I have yet heard back from XXXX or XXXX as these accounts have been sold. Per XXXX I submitted my police report information and FCRA 605b, identification for verification of identity. There has been no resolution. I received a letter from XXXX XXXX XXXX XXXX on XXXX with my no signature or contract. After three months of writing letter, there is no validation or attempts to reconcile this injustice. XXXX refuses to correct this injustice and I have complied with all requests to get the issue resolved. I am reaching out to your agency for assistance because I have diligently worked to remove fraudulent accounts. Therefore, I can not risk or afford for my credit to be impacted in such a negative manner when the transactions were not authorized and can not be validated by the debt collectors. 
XXXX has placed the debt twice on my report, illegally. I have contacted the credit bureaus, numerous occasions stating the previously. I have filed on XXXX, XXXX, and XXXX I have formally requested via certified mail, please assist this matter.
Product: Credit card

Please assign this case to anyone other than XXXX XXXX 

I submitted case XXXX a while back which was not correctly resolved and I opened other cases accordingly. On XXXX I spoke with XXXX XXXX again regarding this case. He either did not understand what I was asking for or was willfully misunderstanding. He then hung up on me without resolving the call. 

Please reassign this case to someone else. I ended up overpaying my bill last month as a result and am now trying to figure out my remaining statement balance this month so I do not overpay this time.
Product: Mortgage

Borrower is requesting the help of the Consumer Financial Protection Bureau to assist him in having his mortgage company correct several accounting errors in their ledgers, that do not conform to the Loan Agreement Agreement. On XX/XX/XXXX, the Borrower, had a Mortgage loan held by Bank of America ( BOA ) with a beginning principal balance of {$430000.00}. On XX/XX/XXXX, BOA transferred the loan to XXXX XXXXXXXX XXXX  ( XXXX ) for servicing, which at that time of the transfer had a balance of {$420000.00}. On XX/XX/XXXX, XXXX entered into a Loan Adjustment Agreement ( LAA ) with the Borrower. 
Shortly after receiving XXXX first monthly statement, Borrower noticed that the statement did not accurately reflect the terms of the LAA. Upon noticing the inaccuracies, Borrower contacted XXXX numerous times to ask them to correct their monthly statements to no avail. On XXXX XXXX, the loan was transferred back to Bank of America. Borrower also contacted BOA on numerous occasions to ask them to correct their ledger to no avail. 
Contrary to the LAA, XXXX reduced the original unpaid principal balance of {$420000.00} by only {$24000.00}, and therefore incorrectly calculated the new principal balance as {$400000.00}. Pursuant to the LAA, the original principal balance of {$420000.00} should have been reduced by {$27000.00}, and the new principal balance should have been correctly reflected on XXXX statements and ledger as {$400000.00}. 
Also, contrary to the LAA, XXXX statements indicate that XXXX added {$51000.00} to their incorrectly calculated new principal balance, and that XXXX intends that the {$51000.00} be paid as a balloon payment on the maturity date. But, according the LAA, interest should be waived on {$51000.00} of the XXXX XXXX, and if the Borrower fails to make timely payment on the final {$51000.00} of the principal, then the waived interest on the {$51000.00} becomes due as a balloon payment on the maturity date. 
Also, XXXX statements and ledger incorrectly show a 4.5 % interest rate on the loan, but the LAA clearly states that the interest rate on the loan is fixed at 3.5 % for the remaining life of the loan. 
Because of XXXX deviations from the LAA,  XXXX ledger shows that, for the 28 months that the loan was with XXXX, the original principal balance was reduced by {$24000.00} and that the Borrower made total principal payments of only {$8800.00} ; for a combined total reduction of the original principal of {$32000.00}. Therefore, at the time the loan was transferred back to BOA for servicing, XXXX miscalculated the principal balance as {$390000.00} instead of the actual {$370000.00}.
Product: Checking or savings account

On XX/XX/2023. I made a purchase at XXXX for {$22.00}. On XX/XX/2023 I received a notice that my transaction was updated to {$44.00}. I was double charged by Cash App. They took {$44.00} out of my account. I want my money back. They double charged me for no reason
Product: Checking or savings account

I opened an account on XX/XX/XXXX with a promotion for {$400.00}. Code XXXX. The promotion required a direct deposit of {$2500.00} and the bonus was to be credited XX/XX/XXXX. I have met the terms with an employer direct deposit and have not received the bonus as advertised. Please help rectify this situation and credit my account with the {$400.00} bonus as advertised. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX pulled my credit report. Found a XXXX XXXX account on it that did n't belong to me. Disputed it with Equifax. Came back verified within days. I called XXXX XXXX XX/XX/XXXX. They verified it was not my account, sent me a letter that I forwarded to all 3 bureaus. XXXX and XXXX removed the account. Spoke with a rep at Equifax who told me that I was not allowed to send into letters as proof it has to be from XXXX XXXX. I told her the letter was from XXXX XXXX. They mailed me the letter as proof the debt was not mine. She politely told me too bad. Terrible service. This is my credit and mine and my family 's future and to havevan account that is reporting negative in my account that is n't mine is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Loans # XXXX is reporting a late in XX/XX/XXXX that I should not have. This late was a fault of XXXX XXXX as I kept trying to call and make the payment by phone and by doing it online, but they kept giving me the run around because their website was not working. This is not my fault and I shouldn't have a late.
Product: Credit reporting or other personal consumer reports

WHOM THE REPORT RELATES.

15 U.S. CODE 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) IN GENERAL IF, AFTER ANY REINVESTGATION UNDER PARAGRAPH ( 1 ) OF ANY INFORMATION DISPUTED BY A CONSUMER. AN ITEM OF THE INFORMATION IS FOUND TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED, THE CONSUMER REPORTING AGENCY SHALL ( i ) PROMPTLY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER, OR MODIFY THAT ITEM OF INFORMATION AS APPRORIATE. BASED ON THE RESULTS OF THE REINVESTIGATION AND ( ii ) PROMPTLY NOTIFY THE FURNISHER OF THAT INFORMATION THAT THE INFORMATION HAS BEEN MODIFIED OR DELETED FROM THE FILE OF THE CONSUMER. PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT, IMMEDIATELY FROM 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. XXXX XXXX  XXXX acct 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, XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX. 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 Section 604A 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 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: Checking or savings account

On XX/XX/XXXX, I saw that I no available funds in my PNC checking account.  I contacted the bank 5 times using their 800 number for an explanation.  The call center representatives refused to provide an explanation.  My husband and I went to a branch location.  The branch representative also contacted the call center.  He was told that the account was on Hold and the person that had place the account on hold as not in.  No other information was provided to the branch representative.  I called my attorney will sitting in the branch office.  My attorney told me to have the Branch representative contact PNC's legal department.  I asked for PNC's legal departments number and the representative would not provide it.  My husband and I left the branch.  While driving home, we received a call from the PNC branch representative.  He stated that the account had been placed on hold due to individual, posing as my husband, had visited a local branch and had tried to access our checking account.  The branch representative told us that the individual could not say our last name.  No additional information has been provided regarding this incident.  We returned to the branch and the branch manager was finally to get our account off hold and moved to a new account. While we were at the bank, we found out a XXXX check had been written.  It did not clear the closed account.  We were not provided with any details about the check.  We left the bank at XXXX XXXX  that night.  Despite my husband's identity theft, the call center has not provided any additional information.  We need to know exactly what happened and a copy of the XXXX check.  We have filed a police report.  The call center at PNC bank needs to be closed.  The branch did help us but they don't have information about the incident.  PNC's horrible call center needs to cooperate with the police.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed two different times a complaint against equifax, equifax placed a fraud alert on my credit report without my consent, I did not ask equifax to place anything on my credit report, they did not ask my permission I want the fraud alert alert removed, equifax phone system when you try to call does not always gets you to a person that can help you, I have been hung up on, I want this FRAUD ALERT taking off my credit file, equifax stil has not took all the inquiries off my report either, this needs to be corrected by equifax, please have equifax remove this fraud alert as I did not give no one permission to add this to my file .abd the inquiries that is still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I spoke to my local US bankruptcy courthouse here is XXXX XXXX XXXX. I was advise by XXXX XXXX, that Bankruptcy court does not give out personal records regarding bankruptcy to ANY 3RD PARTY companies AT ALL. That is against the law to share any personal information with anyone. I have made many attempts to get the credit Bureau to remove of my credit due to the fact they had no rights to add the bankruptcy to my credit report at all without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Name : XXXX, XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX UNIVERSITY Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX Collecons : XXXXXXXX  XXXX XXXX  SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX  SELF-REPORTED XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX SELF-REPORTED XXXX XXXX Employers : XXXX  XXXX  Addresses : XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX  XXXX UHEAA XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX
Product: Credit card

Citibank denied my fraud claim to have a fraudulent purchase removed. There is no Merchant that can be contacted, nor was there a " Series of Purchases '' made to such a " Merchant ''. This case was a matter of illegal computer activity perpetrated by a scammer pretending to be the IL XXXX XXXX XXXX XXXX complete with an illegal website made to look like the State of XXXX XXXX XXXX XXXX The scammer alleged I owed {$6.00} in unpaid tolls. Instead, the scammer used the credit card number without authorization to illegally transfer funds using some credit advance Company. I was not charged the XXXX $ fee payment they alleged I owed, but rather a whole separate unauthorized and illegal transaction for {$380.00} plus a {$19.00} cash advance fee charged by Citibank to someone in XXXX, FL. I am corresponding again with Citibank in regard to the fraud complaint to card XXXX. Disagreeing with their decision to drop the case, I wish to proceed with escalation and arbitrate the matter. A police report has also been filed : Case # XXXX XXXX XXXX IL ( XXXX IL ), issuing XXXX XXXX. Again this is regarding the XXXX $ unauthorized third-party scam made to my card ending in XXXX and the {$19.00} fee. In summary, a cyber scammer used my card number to make some kind of {$380.00} purchase with an actual merchant re : XXXX XXXX FL made on XX/XX/XXXX. Believing I was making a one-time {$6.00} payment for unpaid tolls, I was directed to a site made out to be the XXXX XXXX XXXXXXXX XXXX, but was a site created fraudulently by someone who then used said card to initiate a separate, unauthorized withdrawal of XXXX $ from some actual merchant with no prior affiliation to me. The matter has been filed with the XXXX XXXX XXXX  and I am in the process of filing with the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date XX/XX/XXXX XXXX XXXX URGENT! Removal of Unauthorized Medical alleged Debt Account To whom this may concern, I write this letter to you with utmost urgency and frustration regarding the outrageous violation of my rights. It has come to my attention that your organization is shamelessly and unlawfully reporting certain accounts to Transunion, XXXX, and XXXX. I must emphasize that this is a clear breach of trust and a flagrant disregard for the law. I demand your immediate attention to this matter and insist on the swift resolution of this outrageous situation. 

Let me be unequivocally clear : unless you can provide me with concrete evidence that I have explicitly granted XXXX XXXX XXXX or XXXX XXXX XXXX permission to disclose any of my medical information to Transunion, XXXX, or XXXX, I demand the complete deletion of the following accounts from your records : Account number : XXXX Amount : {$4700.00} Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ), I possess the unequivocal right to safeguard the privacy of my personal information and medical records from being exposed to third-party reporting agencies. This law exists for a reason, and I will not tolerate its blatant violation by your organization. 

Moreover, in accordance with the Fair Credit Reporting Act ( FCRA ), I reserve the right to demand validation of any debt being reported to credit bureaus. 

Therefore, I insist that you promptly furnish me with comprehensive documentation containing all information you received from the service provider regarding the alleged debt associated with the aforementioned account. Failure to comply with this demand will only further expose your organization to legal consequences for your blatant noncompliance with federal regulations. 

You have an immediate and non-negotiable deadline of 30 days to respond to this request. Should you fail to provide the requested documentation within the stipulated timeframe, I will have no choice but to consider the aforementioned debt null and void. In such an event, I will not hesitate to escalate this matter further, demanding the immediate removal of these unlawfully reported accounts from your reporting agency. 

This egregious violation of my rights and the willful disregard for the law can not and will not be tolerated. I demand nothing short of your immediate attention and swift action to rectify this outrageous situation. Failure to do so will leave me with no alternative but to seek legal recourse and hold your organization accountable for its blatant misconduct. 

I expect and demand your prompt and satisfactory response to this matter. I will be monitoring this situation closely, and any further delays or inadequate responses will only escalate the severity of the actions I will pursue against your organization. 

Consider this an ultimatum and an opportunity to rectify your actions before more serious consequences befall your organization. 


Best Regards, XXXX : XXXX XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved