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

I paid off my credit card in full in XXXX and XXXX XXXX has not updated my credit report to reflect a XXXX balance. They are intentionally withholding information from the Credit Bureaus and my credit score has suffered because of it. I disputed the balance on XXXX and the results came back stating XXXX XXXX reported a number other than XXXX. Its been about 2 months they have not updated my credit file on their end and they have not reported accurate balances to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  Account Info Account number XX Account status Closed Date opened XX/XX/1995 This account is showing a status of of opened/closed/collection. This is account is passed the 7 years mark to be on file and this account is not mine. The credit beaus has not verified this information. I have also contacted the courts and they told me they do not verify this type of account. This account need to be deleted from my report immediately. All information was mailed XXXX and i have the tracking numbers.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Alabama XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX Avant XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation 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 appropriate, 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. 

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Inquiries : XXXX  - XX/XX/year> XXXX  - XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

the following companies are not entitled to check my credit history, it is not authorized, I never received any correspondence from them, I don't have an account with them and therefore must be deleted from all my credit reports XXXX, XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ I sent a letter regarding inaccurate and unknown items on my credit report. On this day XX/XX/ 90 days letter I have not received a response yet. I feel as I'm being take advantage of and being ignored of my disputes. Section 611 ( a ), it plainly says that a failure to investigate these items with in the 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted Promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have cause me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 

XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : CAP ONE XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit card

I have a credit card with Wells Fargo that I never recalled opening it, and I have had it for 3 years. It is a college student credit card account with several hundreds credit line. I thought it was a mistake unintentionally made by myself or the bank, but after I found about Wells Fargo disgusting sales tactic/unauthorized credit card issuance on the news, everything starts to connect in my head. This is a scam in the name of a big bank, and this scam affects millions of banking customers without knowing they are a victim of a top-down system. I want to get this account closed and all the fee/interest/charges and what not under this credit card account waived and/or refunded as soon as possible. This is to bring back the justice to the poor customers who fell victim to a sickening Wells Fargo banking system.
Product: Vehicle loan or lease

On Sunday, XX/XX/2020 I was approved and paid for my car with XXXX to be shipped to my closest destination. I received full approval from Exeter Finance for the amount of the loan as sole signer. I provided all documentation for the car loan to be approved as requested. When I arrived to pick up my car and finish signing all of my paperwork I was informed at the time of pick up that I would have to have a co signer so i could complete my purchase because Exeter decided at the last minute that they changed their mind and would not accept my employment verification letter from my employer that proved my income and my new raise amount. I was mislead the entire time even after I paid for my vehicle to be shipped and paid my down payment. I had already sold my previous car and felt pressured and like I had no other choice but to have my fiance co sign on my loan. Thanks to un ethical treatment I got from Exeter I made a deal that I would have otherwise walked away from. This car loan that now shows on my credit report and my fiance 's report has damaged our financial health immensely. Because of this car loan showing on both of our credit reports we were not able to be approved for our home and have since received several denials.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy. Im attaching the required XXXX report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate XXXX XXXX XXXX XXXX law enforcement agency, including the XXXX XXXX XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX  XXXX Open Date XX/XX/2019 balance : {$270.00}
Product: Debt collection

Harassing phone calls my cell phone was hacked call everybody in my call list threatening me with papers
Product: Student loan

For the last week ( XXXX, XXXX  ) I have been unable to access my student loan account on MOHELA. I have been hoping to look at my loans and statements, and make my payment ( usually around {$110.00} ) which is coming up XX/XX/year>. However, there is no way to log in because of their transition to federal student aid platform. The only way to pay is via check apparently, but I am still unable to go on and look to verify information and payment. This also means if I want to pay more toward principle than interest, I can not actually see any of this information to be able to calculate. And I absolutely do not trust the post office or MOHELA to deliver and receive this check transparently and correctly. I am concerned this will affect my payment status and credit, especially since I have never missed a payment. 

Screenshot is attached- this is what it says when I attempt to log in. Not one of the buttons at the top is functional.
Product: Debt collection

Upon review of my credit file, I noticed inaccurate information. On XXXX XX/XX/year>, I set a debt validation letter to this company. Resurgent Capitol Services/LVNV Funding received the letter XXXX XX/XX/year>. An account summary was sent out 6 Days later. At this point I did to receive verifiable proof that I committed to a contract. A second letter was sent to the same company on XXXX XX/XX/year>, asking for the same information. Resurgent Capitol Services/LVNV Funding received the letter XXXX XX/XX/year>. Another of the account summary was sent out 6 Days later. At this point I still have not received verifiable proof that I committed to a contract. A third and final letter was sent to the same company on XXXX XX/XX/year>, asking for the same information. Resurgent Capitol Services/LVNV Funding received the letter XXXX XX/XX/year>. Another of the account summary was sent out 7 Days later. This company has failed at providing me a contract that I physically signed and what the amount is for. Is this a made up amount? That is what I would like to know
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has and is reporting inaccurate information on reports from XXXX, transunion, and XXXX. They are reporting inaccurate dates of last payment, inaccurate amounts of charge off, and inaccurate payment history. According to FCRA 623aB, a company if they choose to report to the bureaus must provide accurate information or they must remove the account because of inaccuracies. This company is in violation of the law. Attached are the highlights of the inaccuracies reported from XXXX XXXX  XXXX XXXX to the 3 bureaus.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I sent XXXX, XXXX, and TransUnion letters highlighting accounts on my report marked as Charge Off. I Informed the company in writing that an Charge- off is an Certificate of indebtedness and a Certificate of indebtedness is income and that income can not be reported on my credit report. I have also in writing that having these accounts that's reporting income on my report are in violation of The Privacy Act of 1974. For these violations I asked in writing for these accounts to be deleted. The List of accounts below are the ones that require action. 

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 Also these accounts are in violation of 12 CFR 1022 which violates 15 U.S.C. 1681ba ( 1 ) ( 2 ) No court has issued these accounts to be furnished on my report and also I never gave my written consent to furnish these accounts on my report.
Product: Student loan

I spent 3 1/2 hours on the phone with Navient last night. I called because I received two email notifications that my request for in-school deferment had been processed. I was supposed to have correspondence in my Navient inbox, but nothing was there. I could see that one of my three private loans was in deferment, but only for 2 months ; the others were not showing a deferment applied. The first customer service representative I spoke with ( XXXX ) kept telling me that those emails came from my federal Navient loans, even though I continued to tell him that I ONLY have private loans with Navient. Once he decided he was done speaking with me he transferred me to the federal loans department. I called back again and spoke with another agent ( XXXX ) who told me that there is a maximum of 48 months that can be used for an in-school deferment. I have had my private loans with Navient ( Sallie Mae ) for over 13 years and have NEVER been told that there is a limit to in-school deferments. After going around and around with her about ONLY having private student loans, because apparently that's how they shirk responsibility for private loans, I asked to speak to a manager. After another lengthy hold, the manager reiterated that there is a limit, and she apologized if no one told me that, but there's nothing she can do about it. Again, she tried to tell me that maybe I was referring to my federal loans. I explained, again, that I have no federal loans with Navient. I asked her where I could see the number of in-school deferment months I had used on Navient 's website, and where I would see how many months are allowed for those requests. She could not tell me. I also discovered that customer service agents with Navient have not been notating my account when I call. The last time she saw that I'd called in was XXXX of last year, which is incorrect. I've spoken with them serveral times over the last 6 months, preparing for the deferment and making sure I knew what I was getting into.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE REPORT - 1ST REPORT # XXXX I received a " standard response '' that explained the report - it had no " response '' to my complaint. Which primarily explained the difference between the hard and soft inquiries. 

I called the CFPB and was told that I would need to file a NEW complaint even though they did not address the issue of the first complaint. I did respond to that complaint after receiving their response, but they did not address the issue. 

This response DID NOT respond to my MAIN complaint which is primarily about SOFT INQUIRIES MADE - I was told these Soft Inquiries could be " stopped/not allowed '' if I sent in by mail additional PERSONAL INFORMATION : Copy of my driver 's license, copy of bank statement or electric bill. 

This company has NO RIGHT TO ASK FOR THIS information. Since they already have enough personal information I REFUSE to send them BY MAIL or any other means a copy of my Driver 's License and/or bank statement etc. 

This is an invasion of my privacy which opens up more exposure to hackers of additional personal information. They just responded to an explanation of their policy - not to my complaint. 

I want soft inquiries stopped from being allowed by ANY company - especially since I am never late - I have opted out with the government website for all solicitations of any kind. And even if I am a credit card holder with a particular company - they should not be allowed to keep checking my credit report without my permission. 

If they can stop these soft inquiries by me sending in more information, by mail, they can certainly stop them through this complaint. 

The only response I should receive from this company is that they have " stopped allowing '' SOFT INQUIRIES too.
Product: Credit card

I applied for credit with CITI and was denied App # XXXX & XXXX The reason they stated I was denied was due to information they recieved on a consumer credit report. This is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. CITI has violated my federally protected consumer rights per the codes listed below. 1. 15 U.S Code 1642 2. 15 U.S Code 1681 M 3. 12 CFR 1002
Product: Mortgage

Back into XXXX of 2010 during this mortgage crash me and my wife were part of this with our second home. We tried and did everything the bank ( specialized loan service ( SLS ) wanted us to do. They finally offered us a program called DEED IN LIEU instead of a foreclosure. we accepted this and they even paid us under their cash for keys program which is only given out for deed of lieu or short sales. 5 1/2 years later when we are applying for a new mortgage an open foreclosure is showing up on our credit report instead of deed in lieu from this bank SLS. After numerous talks with different departments within the company, faxes, written requests and a copy of out credit report so this error can be corrected on our credit report, me and my wife are getting nothing but a run around. I had XXXX different customer service reps and a dept manager say that our file looked messed up, that it should be reading one way but reads another way. They all said they do n't know where to begin. 

We showed them the proof, they saw the proof in their files. The manager even said a deed in lieu was started but never completed. They see the cash for keys check issued ( XXXX XXXX, 2010 ) and a copy of the deeds and verification of mortgage. We really need help with this and have no where else to turn. 

This is the only thing prohibiting us from obtaining a new mortgage. Our credit is outstanding except for this mark on our credit report. We can not get them to help us fix their error. We are at RISK OF LOSING THIS NEW HOME because of the wording in our credit report. Time is fast approaching for our settlement date. We waiting the 5 years for the XXXX, DEED IN LIEU time, only to be hit with this.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.