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

On XX/XX/2021 I noticed there is another inquire that I did not recognize, from XXXX 
Details as below : NETCREDIT FS XX/XX/2021 Location XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose WRITTEN AUTHORIZATION This is not done by me and I have sent an email to XXXX ( which I got from their website ), as the contact number provided did not answer my call.
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.

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. 

XXXX5 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

XXXX XXXX reported that this account does not belong to me and the credit bureau has not deleted after been notified from XXXX that this account reporting does not belomg to me.
Product: Debt collection

Portfolio Recovery Associates , LLC Disputed 2 Collection Accounts ( Under FCRA,15 US C 1601 ) 6/21/24 Letter sent requesting removal of collection and written confirmation due to NO CONTRACT with Portfolio Recovery Associates , LLC .
Product: Checking or savings account

I responded to an advertisement to open a new " XXXX XXXX XXXX '' account with Capital One. The terms of this offer included a {$XXXX} bonus for depositing, and maintaining, {$XXXX} in the account. 

I completed the terms of this offer, opening the account on XX/XX/2023 with the promotional code " XXXX ''. I was able to deposit just over {$XXXX} to the account within the timeframe indicated ( approximately XXXX weeks ), and held those monies in the account for the duration indicated ( in fact, all of these monies remain in this account, as I write ). 

I became concerned, earlier this week, that the {$XXXX} bonus hadn't posted, per the terms of the agreement. I contacted Capital One ( by phone ) on XXXX, and spoke with a Customer Service Representative named " XXXX, '' who informed me that I had failed to complete one particular component of the bonus requirements, which I will explain below. 

This particular account opening bonus was for individuals without an open XXXX XXXX Savings Account. I was able to successfully open the account ( online ), and have the promotional code applied. In the next day or two, when I was initiating online access for my ( new ) account, I noticed that there were two existing accounts ( XXXXne for each of my ( now ) adult children ), with a penny in each. These accounts had been opened, and essentially abandoned, approximately 12 years prior. Realizing I had these abandoned accounts still " hanging around, '' I immediately closed them. 

I guess my concern is how could I have possibly known that there were two ( decade old ) savings accounts " on my record '' with Capital One, if I had received no communication regarding these accounts in 10+ years? Furthermore, I think it unfair ( and perhaps predatory, I'm not sure ) that Capital One would allow me to open my new account, accept the bonus code ( as one of my attached photos will show ), and not inform me that there was this technicality that would prevent me from receiving my bonus until months later, when *I* initiated a phone call. Frankly, it appears that Capital One would have had to have known that I would ( ultimately ) be ineligible for this bonus from the start, and let this whole affair play out for months on end. It seems rather inappropriate and unfair to me.
Product: Credit reporting or other personal consumer reports

HELLO, CAN EXPERIAN EXPLAINED XXXX XXXX : Your Current Account Status and Balance ON INFORMATION I RECEIVED AND THE MISSED INFORMATION EXPERIAN HAVE ON THEIR ACCOUNT. I HAVE AN OPEN COMPLAINT AGAINST EXPERIAN THROUGH CFPB BECAUSE IT SEEMS THAT WILL BE THE ONLY WAY EXPERIAN WILL ACCEPT A CONSUMER DISPUTE THROUGH THE GOVERNMENT. EXPERIAN HAS NOT ACKNOWLEDGED MY COMPLAINT THROUGH CFPB BUT HAS SHOWN A RECENT INVESTIGATION OPEN FOR APPROXIMATELY 2 TO 3 BUSINESS DAYS. USUALLY, IT TAKES THEM 24 HOURS TO DENY A DISPUTE FROM CONSUMERS. AS A FRAUD ANNALIST FROM A FINANCIAL COMPANY. I TAKE MISINFORMATION AND DEFAMATION OF CHARACTER VERY SERIOUSLY ESPECIALLY WHEN IT HIT HOME. I WILL GO PUBLIC WITH INFORMATION THAT I HAVE INVESTIGATED ON MY OWN ACCOUNT THROUGHOUT THE YEARS FROM EXPERIAN WHO HAS MANIPULATED, MISUSED, AND INFORMED CREDITORS AND ALLOWED UNVERIFIED INFORMATION TO BE PUBLICIZED ON MY PROFILE. IN ORDER TO PROFILE ME, XXXX, XXXX MY CHARACTER, AND SOLD TO THIRD PARTIES. MY INFORMATION IN THE PAST, BRIDGED MY INFORMATION AND IT IS AN ONGOING BATTLE WITH EXPERIAN PROVIDING CREDITORS WITH INACCURATE INFORMATION ABOUT ME WHENEVER INQUIRE ABOUT MY CREDIT WORTH. I HAVE HAD ENOUGH AND I WILL SICK LEGAL ADVICE AND PURSUE A LAWSUIT FOR THE MISTREATMENT AND EMOTIONAL DISTRESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 15USC 1681. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX 15 U.S.C 1681 section 602 A. States i have the right to Privacy 15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) sections 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 antedated 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.

15 U.S.C 1692c you have violated my rights by unlawful communication.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, TransUnion, XXXX XXXX XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 



The fraudulent, inaccurate, and false information consists of the following : XXXX. XXXX XXXX XXXXXXXX XXXX account opened on XX/XX/XXXX, with a balance of {$10000.00} ( account number ending in XXXX ). 

XXXX. An XXXX XXXX account opened on XX/XX/XXXX, with a balance of {$2200.00} ( account number ending in XXXX ). 

XXXX. A XXXX XXXX XXXX collections account opened on XX/XX/XXXX, with a balance of {$3200.00} ( account number ending in XXXX ). 

XXXX. An XXXX XXXX and XXXX collections account opened on XX/XX/XXXX, with a balance of {$1900.00} ( account number ending in XXXX ). 



These accounts have resulted in fraudulent hard inquiries and collections being reported on my consumer credit report. I have attached a copy of my consumer credit report maintained by all three credit reporting agencies which highlights these fraudulent items. 



I do not recognize any of the accounts, collections, or hard inquiries as reported. These items were not opened, made, or initiated by me and are the result of identity theft and fraud. I have also attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that all these accounts, collections, and inquiries are fraudulent. 



Demand for Resolution : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that all three credit reporting agencies block all the accounts, collections, and hard inquiries identified in this complaint from my consumer credit file within four business days of receiving this complaint. I also request that all written confirmation regarding this complaint be sent to me via email at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I went online at XXXX XXXX to check out some information on a refinance loan. The next day they called me and took some info I asked them not to run a hard credit check. Apparently they did and could not get any of my scores I talked to them for no more then five minutes and received no info on a loan. All that happened was a hard search is now all on three credit agencies I called to have them removed ( I was on hold for a total of 2 1/2 hrs ) between the three and neither would remove this one hard search. Not to mention how rude they were. I just want it removed. I didn't ask for the search and didn't get it even if I did. Nobody should b treated the way these companies treated me. This was on XX/XX/XXXX at XXXX. XXXX XXXX called and I was on the phone asking for it to be removed till XXXX it took 10 min to appear on XXXX XXXX  and now it might be there for 2yrs, a five min mistake. please help. P.S. my credit isn't bad I just want to keep it that way.
Product: Payday loan, title loan, or personal loan

I have been in a constant dispute with OneMain over an account I discovered reporting on my account. The account has been charged off and is even reporting as a charge off but OneMain continues to report a past due balance even tho they have clearly stated that this account has been written off. They have stated time and time again that they can only report information accurately and my scores have been severely impacted by this lie and inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX and a lot more companies, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

In inquiries on my credit report not mine could you please delete them its harm my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several student loan accounts and credit accounts that are inaccurately reporting lates on my credit file. The following accounts have accurate late reportings : XXXX XXXX - Open date XX/XX/2019 XXXX ( 10 accounts ) - Inaccurately reporting 120 days late There are address information that don't belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are incorrect name on my XXXX  File : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint to CFPB in regards to XXXX  and Equifax Not removing debts on my credit report that are not mine and can not be validated to be so. I am fully aware of the credit bureaus automated dispute computer system where they do not actually validate the debt with a live person rather just update the information if it falls into the algorithms verified pre set parameters. So once again I am seeking CFPB to protect me as a consumer from this type of predatory behavior from XXXX  and Equifax. 

I once again demand for the accounts from said company below be removed since XXXX  and Equifax can not provide adequate proof such as original application for the debt. Section 611 ( a ) states that any failure to investigate the incorrect items within 30 days the items must be removed its been will over 30 days and multiple letter sent to the two bureaus. Since neither XXXX  or Equifax can provide real proof document of ownership of debt they must be deleted immediately or be subject to litigation. 

Note I have attached previous sent letters to both companies. 
I also sent this same complaint letter to the attorney general to help with this unlawful situation.
Product: Debt collection

I have repeatedly asked for validations of the debts they are claiming, ( by certified mail ) and never receive a response. I have no medical debts, nor would I grant written permission, under the HIPPA laws... For access to any medical information!
Product: Student loan

I have a Federal subsidized loan that I wanted to pay off within the grace period so I would not receive any interest on it. Nelnet, my loan servicer, had sent me a few emails leading up to my payment due date all with the scheduled start of repayment being XXXX/XXXX/XXXX. I made the payment by the due date but was confused to see interest added on. I contacted them and asked why and they said it was because my grace period ended on XXXX/XXXX/XXXX. I asked them why they had told me that my repayment date was different from the day that my grace period ended and they said they do it as a favor to me. I said I felt like it was misleading to give me a different date. They said that they had told me that my grace period ended on XXXX/XXXX/XXXX through an email. I looked through every email and piece of mail that they had sent me and it never once was stated that my grace period ended on XXXX/XXXX/XXXX. The only dates listed anywhere were XXXX/XXXX/XXXX. I called them back to let them know and they said there was nothing they could do and that it was my fault. I spoke with an adviser at the university I attended and they told me to go onto XXXX to file a complaint. I did not know that this website existed until this point. After logging into this account I saw that the date they had listed for the scheduled start of repayment was XXXX/XXXX/XXXX. Why would Nelnet have a scheduled start of repayment date that would be different? I understand that there is a 6 month grace period but I trusted the date that Nelnet gave me and assumed that was when the school considered me no longer a student.
Product: Consumer Loan

My auto financing company continually harasses and uses threatening tactics. My payment is due on the XXXX of every month. I have never been 30 days late on my auto loan. Anytime I do n't pay of the XXXX or have a promise to pay. They harass me everyday via text messaging, phone calls, and email. Usually it 's a phone call and text on the daily. I 've received threats that they 're coming to pick up my vehicle. They informed me that I 'm going to have to pay double. There very rude and nasty when I do speak to them
Product: Student loan

My loan server for a federal student loan is EdFinancial Services from XXXX, TN. 

I paid {$1100.00} in XX/XX/year>. Before the payment cleared, I paid the remaining balance of over {$34000.00} and closed the account. Thus, I overpaid the loan by {$1100.00}. I immediately asked for my overpayment to be returned. In XXXX, I checked the status. EdFinancial Services stated that they asked for a refund from the Department of Education but stated that there was no timeline for a refund. For the next few months, I kept checking the status. I was told that the refund was issued on XX/XX/year>. Today 's date is XX/XX/year>, and I have not received it yet. 

EdFinancial Services stated that there is no timeline for me to receive the check. Seven weeks to get the check in the U.S. mail is way too long. Obviously, there is a problem. On XX/XX/year>, I did ask for the check to be canceled and for a new one to be issued. I was then told that a check for {$590.00} was issued on XX/XX/year>, but that does not make sense. I questioned it, and EdFinancial Services went back to their original statement that a check of {$1100.00} was issued on XX/XX/year> and there is no timeline for me to receive the check. It has been almost 5 months now.
Product: Debt collection

i was not aware of a debt that i am being garnished for. no proper communication to aknowlodge my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX/XXXX  # XXXX I have never been late on this account. Please provide physical proof of late payment. Please method of verification of late payment on the account. I would like to know the steps involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$480.00}. I am disputing this on my credit. 

XXXX XXXX - {$28.00} ( Shows balance of XXXX that needs to be paid I'm disputing this also. 

XXXX is XXXX balance, i'm disputing this because they still shows on my credit.
Product: Credit reporting or other personal consumer reports

Experian has failed to do a legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. 
The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to notify consumers of dispute outcomes adequately. 
These failures align with my experience, where Experian has neither corrected nor removed inaccurate information.
Product: Checking or savings account

Dear Sir/ Madam, I'm a current member of the Navy Federal Credit Union and recently I had two return check fees of XXXX for two different  amounts. On XX/XX/18 a {$29.00} returned check fee was applied to my checking account for a {$12.00} insufficient funds, but at the time it wasn't save to put any money into the accounts at Navy Federal Credit Union. Because during the weekend of the XX/XX/18 thru XX/XX/18 the bank was having banking issues with the system. On XX/XX/18, I was charged another {$29.00} returned check fee for insufficient funds of {$.00} cents. 

On XX/XX/18 the Navy Federal Credit Union system issues were worse. Members were missing their deposits, aa well as other serious issues, which lead to them turning phone lines off. The phone lines rang out busy signal for maybe like 3 hours or more. When I finally got through a representative I was told that they couldn't remove fees because I've had it done before in the past. 

I would like for someone to help me resolve this matter as well as look into another over charges on my account, such as finance charges on loans. At this point I would just like to make sure that I'm not being over charge on this as well.
Product: Mortgage

My mortgage was paid in full years ago and now the bank is saying that it was not satisfied. I have the proof and documents to prove otherwise
Product: Mortgage

I manage to modified my mortgage after long medical battles, with phh Mortgage, from the get go I told them I could make my payment every month on the XXXX was agree on, was in the last trial payment when suddenly I received an email that my modification is cancel, trying to reach the bank they keep on transferring me to deferent department who was not associated to the modification department,. On multiple occasion they told me a senior mortgage specialist will reach out to me, until today no one never call me back, make several attempt without success, no one from phh mortgage never return my phone call.