23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I was stunned this morning to see inaccurate accounts on my credit reportit was completely unexpected. I check my credit report regularly, but today I found discrepancies that seemed to appear out of nowhere. I even refreshed my browser multiple times, thinking it might be a technical error, but the accounts were still there. This has left me feeling deeply unsettled, and Im asking for a thorough review of the documents I submitted to prevent this from happening again.
Product: Credit reporting, credit repair services, 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 Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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

I have a credit card with XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me multiple 30 day late account posting errors. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX  reporting me 30 days late in XXXX and XXXX of 2016. There was an error on their part. I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

i even sent a letter to get multiple inquiries removed ... .claimed they never got it so i'll just attached it to here so they won't claim they didnt get it ... .there is inquiries i never authorized and trying to have them removed ... heres my identity once again so they know its me
Product: Credit card or prepaid card

I recently tried to open and transfer {$10000.00} into Citi Accelerate Savings account with Citi and when they did not deposit the money into my Citi account from XXXX, I filed a CFPB complaint. In retaliation, Citi has now blocked access to login for my 2 credit cards with them. I have huge amounts coming due on my cards and I need the ability to login and make payment arrangements too from different Checking accounts. They have blocked access so that I default and get a hit on my credit bureau as well as lose money in Fees paid to Citi. I was able to login to my Citi online account TILL I filed the Citi Accelerate CFPB complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform youthat there is no third party involved in the process. Regardless of the multiple writtenrequests, the unverified accounts listed below are still reporting on my credit report inviolation of federal law. The XXXX/TransUnion/XXXX  Credit Bureau failed to complywith the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by lawand continued reporting of unconfirmed information which now, given all my attempts toaddress it directly with the creditor, as willful negligence and non-compliance with federalstatutes. Please remove the following items completely from my Credit Reports : XXXX, XXXX, M ; 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

To whom it may concern, I am writing to dispute 8 late payments currently listed on my credit report. 6 from XXXX XXXX and XXXX from XXXX XXXX. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( 2 ) ), consumer reports do not include information solely about transactions between a consumer and the reporting entity. I believe these late payments violate the FCRA, as they concern only my transactions with your company. The presence of these payments on my report is negatively impacting my credit standing. Therefore, I kindly request that you immediately delete these late payments from my credit report. Thank you for your prompt attention to this matter. And accordingly to fcra 15 usc 1681b Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. The accounts is question is XXXX XXXXXXXX and XXXX XXXX XXXXXXXX I need both accounts deleted and credit report updated
Product: Credit card

Early XX/XX/XXXX ( around midnight or after ) I was scheduling payments to be made on Friday ( XX/XX/XXXX ). I was trying to schedule a payment on my Venmo account and I had confirmed the payment on the initial screen I had selected everything ( source of payment, date, amount ) and I had hit accept. It wasnt until the next screen popped up with the confirmation confirmation number that I realized I scheduled it for XX/XX/XXXX instead of XX/XX/XXXX, and there was nothing I could do about this. I tried calling right after it happened, I tried emailing, and I called again after work I was told that there was nothing they could do. 

I feel like Im being penalized as a consumer for an oops when I have tried doing my due diligence to correct this, but apparently there is nothing than can be done.
Product: Checking or savings account

Navy Federal overdraft fees on XXXX and XXXX overdraft when I shows I had money in my account
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must removethese items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$5200.00} XXXX XXXXXXXX Balance Owed : {$620.00} XXXX XXXXXXXX Balance Owed : {$470.00} XXXX XXXX XXXX Balance Owed : {$600.00XXXX XXXX XXXX Balance Owed : {$410.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states, consumer reporting agency can not furnish an account with out my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I noticed that my old student loan servicer ( EdFinanical ) and my new student loan servicer ( XXXX ) are both appearing on my credit report. This makes it appear as if I owe double the amount of debt. I owe {$21000.00} in federal student loans and they are appearing twice on my credit report, making it appear as if I owe {$42000.00}. It is impacting my credit score and I was hoping to apply for a mortgage soon. I was informed the switch to a new servicer was taking place in XXXX, EdFinancial stopped reporting anything after XXXX. I was told XXXX would be taking the loans over from EdFinancial, but XXXX now has them. 

I contacted the two credit bureaus that show both. XXXX has adjusted the historical data of my loans at EdFinancial, but the record is still in my report. I am awaiting a response from XXXX. XXXX is only showing the EdFinancial loans. 

I contacted EdFinancial and I am awaiting a response. 

This is a serious issue as the reports show my credit score has gone down by XXXX points during this transfer of loans to a different servicer. Those XXXX points are literally the difference between a " good '' credit rating and an " excellent '' credit rating for me. If this is not corrected, I will not be able to get the best interest rates on a mortgage that I deserve.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Equifax recieved ( see attatched XXXX shipping tracking label of proof of delivery. see also CRIMINAL INVESTIGATION LETTER of XX/XX/XXXX deliveries not made included in package. see also attatched ID THEFT REPORT case XXXX included in packet XXXX & XXXX. see also included in packet attatched XXXX FRAUD CLAIM LETTER dated XX/XX/XXXX FRAUD CLAIM DATE XX/XX/XXXX Notice of UNAUTHORIZED TRANSACTIONS NEVER RESOLVED. 
Why doesn't Equifax report the ACCURATE INFORMATION ON XXXX OR XXXX? MY CREDIT IS DESTROYED FROM ID THEFT. Also why has Equifax refused to address having no data on me? I filed Equifax Breach Equifax did Not annouce breach for 2 years. Why? I understand BREACH began XX/XX/XXXX Equifax notified XX/XX/XXXX. Why?
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX was reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Student loan

I consolidated my loan on XX/XX/XXXX. The loan consolidation covered all principal and interest at that point. In XX/XX/XXXX, all interest on student loans was paused, though I continued to make monthly payments to principal. When student loan payments resumed in XX/XX/XXXX, I all the sudden started having accrued interest showing on my loan ( this is in addition to {$11.00} in daily interest which I am aware is the cost of my loan ). The interest accrual continues to go up, despite making normal monthly payments that are to cover all principal and interest ( per the terms of the consolidation agreement ). I've even made additional payments, in the amount of the interest accrual, but the interest still remains. At this time, I am projected to have more interest owed than the monthly payment. For every other type of loan, if you make an extra payment and have outstanding interest - the payment goes to the interest owed first. Upon calling Nelnet, they can not articulate where the interest accrual is coming from, can not allow for payment of the interest accrual, and are unable and unwilling to help - despite being put on hours long hold.
Product: Student loan

I am the co-signer on 3 separate student loans obtained by my husband. All of these student loans are now part of the XXXX XXXX XXXX XXXX XXXX { XXXX }. Each of these loans are also now part of a lawsuit brought on by your bureau. A consent order was agreed upon in relation to said suit. I believe my husband and/ or I qualify under the regulations set forth by the consent order. We have not been contacted however regarding our qualification. 
Our loans : XXXX XXXX, XXXX, XXXX. 
XXXX filled a lawsuit against us on XXXX. 1. ) This date was past the state of Tennessee 's statute of limitations. Due to incredible financial pressures and job loss, my husband and I filed for bankruptcy in XX/XX/XXXX. Once the XXXX received the formal notice of the bankruptcy, they obtained a voluntary dismissal of the lawsuit. 2 ) In XXXX I was contacted by XXXX XXXX XXXX XXXX law firm and told XXXX had been awarded a new judgement and were seeking a payment plan or else they would follow through with wage garnishments already approved by the court. I questioned the law firm concerning the new judgement and wage garnishment, as I had had no further contact from the XXXX  since the voluntary dismissal of the lawsuit. However due to the bankruptcy my husband and I had just gone through, foreclosure, and moving in with relatives, I thought maybe the information had somehow not made it to us. Having experienced much hardship due to prior financial difficulties, and having been told by bankruptcy lawyers that there was NO way to EVER be relieved of student loan debt, even private student loan debt, I set up payment plans. I have been paying on these loans since XX/XX/XXXX. I was unaware and NEVER informed that these would fall under the statute of limitations. 
Once I learned of the lawsuit by your bureau ( the CFPB ) I called XXXX XXXX XXXX law firm in XX/XX/XXXX to ask to receive a copy of my original promissory note, as well as all documentation of sucession of ownership from that promissory note to the present. I was told they know nothing about the CFPB lawsuit and that I could not get a copy of the original promissory note, etc. I stated I would not be sending another payment until I received this information. I was told that I would be the one in violation of my payment agreement I even referenced your bureau 's lawsuit and consent order and stated that I thought they were violating the consent order by not providing me the requested documents. I have received no documentation as of today XX/XX/XXXX. I have however, been contacted multiple times informing me they have not received my XX/XX/XXXX payments and that I am the one violating the payment agreement.
Product: Credit reporting or other personal consumer reports

**Complaint Summary for XXXX XXXX XXXX** **Personal Information : ** - **Name : ** XXXX XXXX XXXX - **Year of Birth : ** XXXX - **Address : ** XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , TX XXXX - **Contact Number : ** ( XXXX ) XXXX - **Victim Alert : ** Fraudulent applications may be submitted in my name or my identity may have been used without my consent to fraudulently obtain goods or services. Do not extend credit without first contacting me personally and verifying all application information. This victim alert will be maintained for seven years, beginning XX/XX/XXXX. 

# # # **Violations and Companies Involved** 1. **CHACON AUTOS LTD** - **Violation : ** Inaccurate reporting of three late payments on a closed auto loan account that do not reflect the actual payment history. 
- **Company 's Role : ** Responsible for providing accurate account information to credit bureaus ; the inaccurate reporting negatively impacts the consumer 's credit score. 

2. **XXXX XXXX** - **Violation : ** Inaccurate reporting of 23 potentially negative months on a closed note loan account, including multiple charge-offs that misrepresent the payment history. 
- **Company 's Role : ** As the creditor, XXXX XXXX is required to accurately report account status and payment history to credit bureaus. 

3. *XXXX** - **Violation : ** Inaccurate reporting of 45 potentially negative months on a closed charge card account, indicating a charge-off status that does not reflect the payment history. 
- **Company 's Role : ** Responsible for reporting accurate information regarding account status and payment history. 

# # # **Legal Violations : ** 1. **15 USC 6802 ( XXXX Act ) ** - Violated by selling or reporting personal information without consumer consent. 

2. **15 USC 1681i ( Fair Credit Reporting Act ) ** - Violated by failing to conduct a reasonable investigation into disputed information and failing to correct inaccuracies. 

3. **15 USC 1681a ( Definitions ) ** - Violated by reporting without consent, misrepresenting what constitutes a consumer report. 

4. **15 USC 1681b ( Permissible Purposes of Consumer Reports ) ** - Violated by obtaining and selling credit report information without permissible purposes or consumer consent. 

5. **15 USC 1681c ( Exclusions from Consumer Reports ) ** - Violated by including unverifiable or outdated information that should have been excluded. 

6. **15 USC 1681e ( Compliance Procedures ) ** - Violated by failing to follow reasonable procedures to ensure maximum possible accuracy of information in consumer reports. 

**Involved Credit Reporting Agencies : ** - **XXXX** - **XXXX** - **XXXX** - **XXXX** - **XXXX** - **XXXX** These agencies may have sold, purchased XXXX and reported personal information without consent and failed to adhere to proper verification procedures, leading to inaccurate reporting.
Product: Debt collection

National Credit Systems continues to report to XXXX XXXX XXXX that I owe XXXX Aparments {$4000.00}. I have told them numerous times that they have made an error, and that this debt does not belong to me. I have never lived there. In fact, I have lived in my current home for over eight yeras. They claim that they have nothing to do with the debt being on my credit report, and if I want to contest it, I should contact XXXX XXXX Apts directly. I have done this, and XXXX XXXX tells me they have no record of my name having a debt with their community. I reported this information to National Credit Systems, but National Credit Systems continues to report this error on my credit report.
Product: Credit card or prepaid card

I mailed a check to Avant LLC on XX/XX/2022. Avant LLC cashed my check on XX/XX/2022. However, Avant LLC stated they had not received a payment as of XX/XX/2022. I sent Avant a copy of my check on XX/XX/2022 as proof of payment. I received a conformation email on XX/XX/XXXX stating that they received my documents. I called today, XX/XX/2022 asking to speak to a supervisor and I was told no supervisor was available. I was also told this on XX/XX/2022 when I called. On today, XX/XX/2022, I was then told Avant LLC do report to the credit agency and that interest and fees would still accrue.
Product: Mortgage

XX/XX/XXXX, I was working as a XXXX in the XXXX XXXX XXXX XXXX. As a result of a series of legislation called Act 10, I was forced to take a cut in take home pay of almost XXXX per month. I immediately began trying to work with XXXX XXXX XXXX to modify my home loan into something affordable. I was told that I had to be 45 days behind in order to start a modification process, so I allowed myself to fall behind to start the process ( I was running about 29 days late prior ). After 3 years of attempting to work with them, including lost paperwork, inaccurate claims ( ie home vacant when it was n't ), and changes in case workers, etc I finally contacted my local State Representative who managed to get XXXX XXXX XXXX to work with me. XX/XX/XXXX, I finally had a modification offer but it modified my home to over {$170000.00}. My home is only worth about {$69000.00}. When I asked about modifying it down to what it was worth, I was told to sign the modification and then XXXX XXXX XXXX would work on adjusting the modification down to its value. The only reason the amount was so high was due to XXXX XXXX XXXX taking over 3 years to modify my mortgage and their ineptitude with the process. XX/XX/XXXX, I was offered a job in XXXX, ND which I then accepted. My preference at that time, would have been to have to modification at the value of my home and then to rent the home out. As XXXX XXXX XXXX refused to honor their earlier agreement of renegotiating the modification down to the value of the home, it has now fallen into foreclosure and is vacant. After XXXX XXXX XXXX sold my mortgage to Carrington Mortgage-while in the middle of a modification, in XXXX XXXX, I again attempted the process and was denied any options. When I called to work with the company, I was told, on several occasions, different things. Once I was told to go ahead and short sale it, only to receive a letter later stating that was not possible. I also received a letter stating that I did not qualify for any options. XX/XX/XXXX, I received notice from a law firm representing XXXX XXXX XXXX that my foreclosure was being reopened. In XX/XX/XXXX, I received the attached legal work stating the foreclosure was in the 3 month redemption. After contacting both Carrington and XXXX XXXX XXXX over the course of the last 4 months, I have been told each other owns the mortgage, no one has foreclosed, the process has not been started, it has been started, XXXX XXXX XXXX is not allowed to do that, we do n't own the loan, we do own the loan, etc. My last conversation with Carrington stated that they are selling the mortgage effective XXXX/XXXX/XXXX and will not do anything with it, while the attorney for XXXX XXXX XXXX is trying to move forward with the foreclosure. I have been dealing with this for almost 4 years, with no solution in sight when this should have been completed over 3 years ago. I have attached some of the RMAs, etc and have most paperwork available ( about XXXX pages worth ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On Tuesday     X/X/17  I spoke to   Ally Financial about a payment postponement ( piggyback ) and   they agreed to   do it. I asked several times about the effect it would have on m y credit score. The consultant assured me that my credit score would not  be harmed in any way. To day   X/XX/17  I  checked my credit score and the company has indeed gone back on their word and reported the payme nt as a 30 day late. I am now going to file bankruptcy because of the incorrect information I was given on a recorded call. This has effected my credit in such a manner that makes it impossible to fix the situation at hand. The spiral effect that is about to incur is the fault entirely of  Ally Financial .
Product: Debt collection

The bank used their legal firm to file a Sheriff 's Sale Foreclosure against myself wrongfully. Attempted to contact both the bank and their legal representative multiple times to notify that they are picking on the wrong person. In this case I am actually an innocent relative of one of the persons named in this suit. The legal firm, nor the bank have issued a retraction or apology. I was not a resident at the time the defaulted loan was issued.
Product: Debt collection

I contacted the collection agency on numerous occasions Portfolio Recovery us reporting this debt as a new debt they are reporting this debt as the date they purchase the debt from XXXX they are reporting XX/XX/XXXX as date which isnt true this collection was opened on XX/XX/XXXX this is a clear violation of the Fair Credit Reporting Act as it clearly states that that you can not report a charge off debt as the date your purchase the debt because they have altered the charge off date as the date purchase it is committing fraud