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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone have change my address to different location
Product: Student loan

For the past few years my husband and I have been working hard to pay down my student loan debt, making payments to Navient on time and the amount has, for a long time, been {$160.00}. It is pulled directly from the account on the  XXXX  of every month ( or the Monday after if the  XXXX  is on the weekend ) and we are always prepared for it. Today Navient pulled {$210.00}. We were surprised, went back through our email and found one sent on  XX/XX/XXXX  from Navient with a simple subject of " Here 's Your Monthly Statement. '' We do n't normally look at this email because we know the amount that comes out. They changed the amount without properly notifying us, this was the only email we received of the change. I realize we should have been looking at every single email but they send us multiple emails emails a month that usually have nothing to do with our payments. This feels wrong to me and I believe we should have, at the very least, been sent an email with the subject notifying us of the payment change. My husband did contact Navient customer service to complain and they informed him that we were notified there would be a change two years ago. We have attached screenshots of two emails, one of our usual monthly statement and the other of our recent change with the evasive subject line. We are also aware of the ongoing lawsuit against them and I would prefer to be giving my money to someone more trustworthy.
Product: Credit reporting or other personal consumer reports

i just recent looked at my credit report, i wanted to make sure that eveverything is 100 % correct and accurate. can u reinstigate the account listed below. 


Please remove it from my credit report thnx you.
Product: Mortgage

PNC Bank agents have told me conflicting information about getting PMI canceled. An agent I spoke with on the phone indicated that I simply needed to pay down the loan to XXXX % original XXXX and no further action would be needed and I would not have to pay for an appraisal. Then I made early payments to hit the XXXX % threshold only to be told by another phone agent, who refused to put it in writing, that only the original amortiziation schedule mattered, not just the % XXXX. So I made {$7000.00} in early payments for nothing. They are violating law on PMI cancellation by not automatically canceling.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was not verified as accurate with other bureaus and I ask for actual verification procedures that and any signed documents bearing my signature to validate this account and they have failed to provide me with any proof other than sending letter saying it has been verified I do believe Transunion is acting in bad faith and there actions have caused me harm asking for actual proof of this account and they dont even have my names spelled correctly which further lets me know they are not completely investigating this matter XXXX XXXX  amount XXXX  XXXX XXXX XXXX : XXXX XXXX, XXXX  + {$8400.00} Closed
Product: Mortgage

XX/XX/XXXX XXXX, GA XXXX Director XXXX Consumer Financial Protection Bureau XXXX, IA XXXX Headquarters address Consumer Financial Protection Bureau XXXX Dear XXXX ; Please allow me to introduce myself. My name is XXXX XXXX. I purchased a home at XXXX XXXX XXXX in XXXX XXXX. I was returning back to the US after servicing my country not in the military but as being XXXX of the XXXX based in XXXX. 

I invested my life savings of {$200000.00} on the home. Today I am exploring foreclosure options with Select Portfolio Servicing due to a XXXX in XXXX. I am XXXX today. 

I believe that I was defrauded by XXXX at the time of my mortgage origination. 

An uneconomic and irrational payment structure. 
My mortgage principal and interest is less than my monthly property taxes and insurance. 
After a modification my monthly mortgage payments are higher than my original payments. This was a negative Home Affordable Mortgage Program experience. 
My Principal Balance today, XXXX, after 16 years is higher than it was in XXXX. 

Reccomendation Please conduct and audit and analysis of my mortgage modification and complete history with XXXX, XXXX and SPS. 

Please assist me in receiving a debt " cram down '' valuation base of my history for the mortgages. For example, my total payment from XXXX to XXXX approximates my original principal debt or {$990000.00} in payments vs. XXXX in original debt. 

Thank You. 

Sincerely, XXXX XXXX SPS ACCOUNT XXXX XXXX XXXX XXXX AMOUNT PRINCIPAL {$760000.00} DEFERRED {$140000.00} PRINCIPAL {$900000.00} MONTHLY PMT PRINCIPAL {$1100.00} INTEREST RATE {$1200.00} {$2400.00} ESCROW {$2500.00} TAXES INSURANCE
Product: Credit reporting or other personal consumer reports

I am submitting a request for your assistance in removing a charge-off account from my credit file. This account has been reported inaccurately, which is negatively impacting my credit score and financial well-being. Despite my attempts to resolve the issue with the creditors, the charge-off account remains on my credit reports. I have attached a copy of my personal documents to this complaint for your reference. XXXX XXXX Date opened : XX/XX/year> XXXX Balance : {$4500.00}. I am requesting that you investigate this matter and take the necessary steps to remove the charge-off account from my credit file. I understand that the Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus must report accurate and up-to-date information, and I believe that this account is in violation of that law. I would greatly appreciate your assistance in resolving this matter as soon as possible. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

On the day I first made contact with this agency through certified mail, I notified them that I was a victim of identity theft. To this day, the agency persists in including details in my credit report that are a direct result of this identity theft. Under Section 605B, known as " Block of Information Resulting From Identity Theft, '' it is required of consumer reporting agencies to notify the originators of such information, like banks, that the information may have been compromised due to identity theft, and that an official identity theft report has been lodged. I have supplied the agency with FTC report numbers XXXX, along with a formal request for a block on this information. Upon receiving such notification, Section 623 ( a ) ( 6 ) mandates that the information providers stop reporting any information identified by the consumer as being the result of identity theft. This stoppage must take place no more than 4 business days after the agency is presented with : ( 1 ) sufficient proof of the consumer 's identity ; ( 2 ) the identity theft report ; ( 3 ) identification by the consumer of the disputed data ; and ( 4 ) a statement from the consumer asserting that the information is not related to any transactions made by them.

I have met all of these conditions, and documentation supporting my claim will be included with this complaint. Nonetheless, this agency has failed to comply with the obligation under the FCRA 15 U.S. Code 1681c2 to block the dissemination of the information I have flagged as resulting from identity theft within the prescribed 4 business days after receiving the necessary documents. This neglect is a breach of the law, rendering the agency liable for willful non-compliance. This includes any real damages I have incurred due to this oversight, as per 15 U.S. Code 1681n.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had two late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, please investigate and provide proof with statements showings that these payments were late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting or other personal consumer reports

As the CEO of XXXX XXXX XXXX XXXX XXXX, it is my responsibility to ensure the accuracy and integrity of my business credit profile. Recently, I was informed by a lending agent from XXXX that there were several fraudulent statements on my profile. This came as a shock to me, as I have been a victim of identity theft not once, but twice in the past few years under the name of my company. I am writing this as a XXXX to inform all concerned parties that these statements are inaccurate and are most likely a result of identity theft. I am disputing these claims and requesting immediate removal from my profile. I urge for thorough verification of these statements and prompt removal as soon as possible. Thank you for your understanding and cooperation.
Product: Money transfer, virtual currency, or money service

I'm writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I applied for a XXXXXXXX XXXX XXXX on XX/XX/23 and got denied, regardless of the reason for being denied I have the right to credit, withholding my access to my Securities is Securities fraud youre violating the Equal Credit Opportunity Act and consumer credit protection act since you are denying me my credit please retract my application thank you. XXXX XXXX XXXX attorney in fact for the all-capitals name XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This loan is a deferred interest loan that is reporting my balance incorrectly. It is not reflecting my payoff balance it is reporting my balance with deferred interest. This is negatively impacting my credit score and has been since we took out the loan. The original amount was {$13000.00} and our balance is {$8500.00}. However, the financial institution is reporting {$12000.00} as they are including deferred interest. Deferred interest is due only if I do not pay off by the time of the promotion period ending on XX/XX/year>. I am requesting they change their reporting practice to report the actual balance due during the promotion period.
Product: Checking or savings account

Ive had a checking & savings account with Capital One for several years now. The savings account ( I named XXXX ), I put money in for my son who's XXXX to send him money for necessities, etc. It helped me keep track doing it this way, plus he got checks for working in XXXX, etc. 
Because Im a XXXX & XXXX with serious health issues now, I decided to put my son as a SIGNER or SECONDARY account owner, ( I have his POA as well ) on the savings account so in the event of my becoming incapacitated, he could access the money. They allowed me to do this and even sent a letter addressed to him to my home stating all went through and he is now a signer on my account. 
I went to get on the account to send him some money and Capital One has the savings account LOCKED WITH MY MONEY IN IT ( {$800.00} ) stating " they need more info ''. I called Capital One, they said they need to speak to my son directly to verify some things and need a copy of an ID. I told them he dont have an ID as he's in XXXX but that I do have his POA. 
I told them what I had done and why I was setting up this account with him as a signer and that I had his POA. The told me " they cant do anything until they talk to HIM directly even tho I told them he is XXXX  and can not make a phone call over 5 minutes! They still refused to assist me stating they need to talk to HIM! 
They are also not allowing me access to my previous bank statements or transactions for this account! 
SO, this means they are going to freeze MY MONEY for 8 YEARS until he gets out of XXXX??? This is wrong and they are not honoring his power of attorney above all! 
I am very sick and really needed to just get this set up so I know my son is taken care of if I cant do it anymore. : ( But foremost, I am out {$800.00} on top of it?? : ( I even asked Capital One to just transfer the {$800.00} into my checking account, but they refused that too!! Locking up my money should have NO bearing on them adding him as a signer on my account!! : ( Please help!!
Product: Student loan

I chatted with Sallie Mae on XX/XX/2022 and requested information about how my loan payment was being applied. I was told I needed to call customer service. I called them the same day and requested an amortization schedule. I was told I would receive it in 24 to 48 hours. I never got it. I called again on XXXX, received the same information, and was told it would be provided in 24 to 48 hours. It was not provided. I send a written letter on XX/XX/2022 requesting again the amortization schedule. I have not received. I am paying {$100.00} more each month and they are charging me more interest than what I am making in payments. I am also a part of the XXXX class action suit. Sallie Mae has not acknowledged or put my loan in forbearance nor responded to my call for information.
Product: Vehicle loan or lease

XX/XX/2021 {$22000.00} an account was opened i was unaware of
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed inquiries from unknown sources { XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX and XXXX XXXX. I have not applied for any new credit accounts. I filed a complaint with the FTC as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX  XXXX, XXXX   XXXX, XXXX  XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX . Company Inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX/XXXX  XXXX. 
I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : DEPT OF ED/XXXX, DPT ED/XXXX
Product: Credit reporting or other personal consumer reports

I just received my credit report and was shocked to find unauthorize inquiries and late payments on it. As you know, this is not something that should have been reported! 
The Fair Credit Reporting Act states no one may access your information without permission from YOU first so please provide me with proof of what reason they had giving them the right to do so by furnishing documentation containing signatures showing I indeed applied for a loan or line-of business venture through their company as well as any other relevant details. Im sure you will realize these inquiries shouldnt be on my credit after all!

Also I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai. My account was never late! This was clearly a billing error, and a double dipping scheme. This act is shameful it has caused severe hard to my reputation, my character, my mode of living and to my family!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXXDEPT OF ED XXXX XXXX : {$2400.00} XXXX/DEPT OF ED XXXX Balance : {$4000.00} XXXX/DEPT OF ED XXXX XXXX : {$9000.00}
Product: Credit reporting or other personal consumer reports

i aske that this information be removed off my credit report LVNV FUNDING LLC Reported : XXXX XXXX, XXXX  - {$48.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

We have a loan in which we are current on and making payments on with XXXX XXXX. We did get behind and the car was reposessed, during this it suffered over {$2000.00} worth of damage due to neglegence of the transport company. We got current on our payments, got the car back. Now, we are not only responsible for the {$5800.00} left on the loan, but the car is worth next to nothing due to the damage that XXXX will not take responsibility for, but they also are reporting that this account is charged off. They said that they can not change the report at any of the credit agencies, and we are current now. They marked us that the account is closed and was charged off. We have asked them numerous times to fix our vehichle and change our report and they will do neither. Even if we pay off the car now, it still will show as a charged off, closed account. I reported to the credit agencies and they said to contact your agency now, because they will not remove this information either. I need help, please help. I will email you my current statement if youd like and a photo of my credit report showing the charge off that still exists. I can also show damage that they did to the car.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding inaccurate information on my credit reports from Equifax, XXXX, and XXXX. I believe these inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protections, including 15 U.S.C. 6802 and other specific provisions governing data accuracy, dispute resolution, and consumer privacy. 

Details of Inaccuracy and Non-Compliance : Inconsistent Account Information Across Bureaus : My reports contain multiple discrepancies in account balances, statuses, and payment histories across Equifax, XXXX, and XXXX. These inconsistencies suggest a failure to follow reasonable procedures to ensure maximum possible accuracy, which violates 15 U.S.C. 1681e ( b ). 

Unresolved Disputes and Dispute Process Violations : Certain accounts, including those with FIRST PREMIER and AVA/BLOOM, were previously disputed but continue to show inaccuracies. Under 15 U.S.C. 1681i ( a ), the credit bureaus are required to reinvestigate and correct inaccuracies promptly, which does not appear to have been done in this case. 

Inaccurate Reporting on Student Loans : My student loan accounts with XXXXDept of Education are reported inconsistently across the bureaus. Some reports fail to accurately reflect payments and deferment statuses. This inaccuracy may violate 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681c ( a ), as obsolete information can unfairly impact my credit score. 

Furnisher Responsibilities Not Met by Creditors : Multiple furnishers of information, including XXXXXXXX XXXX XXXXXXXX and XXXXXXXX XXXX have reported incorrect account statuses ( e.g., charged-off accounts and delinquencies ) despite being notified of disputes. This is in violation of 15 U.S.C. 1681s-2 ( a ) and 15 U.S.C. 1681s-2 ( b ), which obligate furnishers to provide accurate information and investigate disputes in coordination with credit bureaus. 

Unverified Inquiries : My credit reports contain the following inquiries that I did not authorize and that lack a permissible purpose under the FCRA : XXXX XXXX  Dated XX/XX/XXXX XXXX XXXXXXXX Dated XX/XX/XXXX XXXX XXXX XXXX Dated XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Dated XX/XX/XXXX XXXX XXXX XXXX Dated XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Dated XX/XX/XXXX These unverified inquiries are unjustly impacting my credit score and do not meet the standards of 15 U.S.C. 1681b, which requires inquiries to be made only with my consent or for a legally specified purpose.

Disclosure Violations : The credit reporting agencies may not have provided complete or accurate disclosures in response to my information requests, violating 15 U.S.C. 1681g ( a ), which requires disclosure of all information in my file upon request. 

Privacy Violations Under Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ) : If any of my financial information has been shared without authorization or my consent, this would violate 15 U.S.C. 6802, which mandates that financial institutions protect consumer privacy and limit information sharing.