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

XXXX has violated my rights serval different times and ways. I am a victim of identity theft. I have sent in and reported serval times to XXXX  and have asked for them to validate the date with proper proof of debt and they have totally disregarded. 
I have used the 605b of the FCRA to report identity theft with police reports and ftc reports and the do not honor and when they did block and remove they further violated FCRA 611 ( a ) ( 5 ) ( B ) by placing back on my credit file without giving me notice in the 5 business days allowed by the fcra the accounts are XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting 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 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 furnish a account without my written instructions
Product: Credit card or prepaid card

Chase has been negligent and has not refunded me {$10000.00} they owe me for a dispute they ruled against me incorrectly. Chase legal department through XXXXXXXX XXXX has been notified I'm pursuing arbitration per cardmember agreement. This is further notification to show in court that Chase was negligent and received proper notification.
Product: Mortgage

During  XXXX  a property tax dispute caused me to get behind on monthly payments to  360 Mortgage. 360 pursued what I deemed to be a wrongful foreclosure. ( Please see 2 prior CFPB complaints for details ). Fort unately the foreclosure was completely 'cured ' in  XXXX  of  XXXX  and all court action/s dismissed.     Even so, as of  XXXX / XXXX / XXXX  my home is listed on a public web-site as in foreclosure. Apparent ly 360 while pursuing a punitive foreclosure based on a very credible difference of opinion h ired  XXXX   XXXX   XXXX  to market my home for sale.  XXXX   XXXX   XXXX  then published information on my house, that as of  XXXX   XXXX ,  XXXX , has not been removed, updated nor corrected. I recently sent 360 and  XXXX  instructions to take down the false information and immediately stop advertising my house as in foreclosure or having been foreclosed.     This information has resulted in damage to my credit, my ability to get a new job and/or my ability to transact business.  360 Mortgage demonstrated bad faith throughout this process and their failure to remove this information and/or instruct their vendor to do so continues a pattern of horrible market conduct that should be punished. 360 wrongfully pursued fore closure and then continued to market my house for months directing others to publish false, inaccurate, and incorrect information.     I spoke with  XXXX  at length and they assured me they were simply following the direction  of 360. I put both 360 ( and it 's foreclosure atty  ) and  XXXX  on written notice of this issue. As usual, I have yet to get a response. 360 has again demonstrated unfair trade practices, and perhaps breached RESPA requirements/standards.
Product: Checking or savings account

On XX/XX/2022, my Bank of America account was compromised and the scammer transferred {$650.00} from my savings to my checking account, then used the XXXX feature built into the Bank of America app to transfer {$700.00} to themselves. 

On XX/XX/XXXX I noticed the fraudulent activity when paying off my credit cards and called my bank to report my identity had been stolen and explain what happened. Bank of America said XXXX would investigate the issue and open a claim. A claim was never opened and this still does not address that the scammer had access to my bank account to make the transfer from my savings to checking accounts.
Product: Mortgage

The primary loan is a XXXX XXXX loam that allows subordination in case of divorce to remove a XXXX and keep the low rate. Truist Bank is over inflating debt, refusing to count income that are on taxes and bank statements. They will not provide any evidence or detail breakdown of the underwriter 's calculations. I make over $ XXXX per month of income, verifiably through W2, K1 and Rental Properties with signed leases and only have a first and second mortgage equaling $ 4000 month for debt. No auto loans, no credit card debt. They added on my daughter 's entire college loan to my debt because I covered one payment for her when her debt card was lost and cancelled. They refused to admin income from a lease for because the leasing party was one of my companies, yet they counted the debt out of the company but not the income on the personal side at {$3500.00} per month. This is an XXXX rental being ran through an XXXX which leases and pays me personally to abide by tax law. Truist will not say what the income or debt calculations are and refuses to show their numbers. They misappropriate an entire HELOC loan as due in one year. They refused to correct numerous errors in the application that I pointed out. I have all of this documented on emails.
Product: Credit reporting or other personal consumer reports

I would like you to conduct an investigation for me to make certain that everything is accurate. 
1 ) XXXX XXXX XXXX  account number is XXXX - - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for 15 USC 1681e ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried to get XXXX to send me my credit report for over 4 weeks. Im unable to access my reports ( XXXX ) online (? ). XXXX agreed to mail the report ; and have a supervisor call me within 72 hours, Still no report and no phone call. 

My name is incorrect on Equifax and XXXX My name is XXXX XXXX XXXX NOT XXXXXXXX XXXX XXXX
Product: Credit card

Hi, my name is XXXX XXXX, and my DOB is XX/XX/year> Address XXXX XXXX XXXX XXXX Il XXXX Employment : XXXX XXXX Illinois XXXX XXXX XXXX XXXX XXXX CONCERNING : Bloomingdales XXXX XXXX {$810.00} Im writing because I have been financially and XXXX XXXX violated and victimized and not heard or cared about, I am an identity theft victim and fraud victim along with, I have been in over XXXX security breaches and my info has been exposed. 

I have an Active Alert on my credit reports to call my number XXXX before opening any accounts. Its been on my report over the last 10 years. MY RIGHTS WAS VIOLATED and not followed through. 

This company has failed me and opened an account that is not mine and I never Authorized it, this company has no signature of mine on file, this company has no contract or agreement from me, this company has no copy of my ID. This company also charged off & sold a fraudulent account. 

When I had to write to the company and have them close the fraud account, they lied and put they closed out the account and then, destroyed my credit for years I been battling this. When I had to get the law involved, they then sold my account illegally. 
The company was paid by the people who purchased the account illegally and then they violated my rights by not sending me a letter or formal letter of any kind stating they purchased a fraudulent account. 

The company also reset the dates on the fraud account illegally because I been fighting it for years to get my identity back, the company has violated my rights as a United states citizen and has violated fair credit reporting. 

The company has called next door neighbors and friends and family stating, I have a court case and giving out case ID numbers pretending to be court clerks when in fact they are collection agencies. 

I WANT THIS ACCOUNT TO BE PERMANTLY DELETED FROM MY CREDIT PROFILE AND MY CREDIT POINTS TO BE RESTORED. I DONT WANT THE GENIC WORDS OF CONSUMER DOES NOT AGREE. BECAUSE THAT IS NOT HELPING WHEN I AM A VICTIM.
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED US DEPT OF EDUCATION INACCUATELY REPORTING LATE PAYMENTS TO MY STUDENT LOAN ACCOUNT. I'VE CONTACTED THE CREDIT REPORTING AGENCIES, AND THESE LATE PAYMENTS HAVE BEEN DEEMED UNVERIFIABLE.

REPORTING THIS INACCURATE INFORMATION IS NOT ONLY VIOLATING MY CONSUMER LAWS BUT SEVERELY IMPACTING MY CREDIT. THESE LATE PAYMENTS ARE IN VIOLATION OF 15 USC 1681 A ( 2 ) AI. NOT ONLY WAS THIS STUDENT LOAN ENROLLED IN THE XXXX PROGRAM, BUT ALSO COVERED UNDER THE CARES ACT.

FURNISHING ANY LATE PAYMENTS UNDER THIS ACCOUNT FURTHER VIOLATES 15 USC 1681 S-2 ( E ) IL BUT ALSO 15 USC 1681 S-2 ( F ).

AFTER ATTEMPTING TO REMEDY THE LATE PAYMENTS I WAS ADVISED MY INFORMATION WAS ALSO INVOLVED IN THE XXXX AND XXXX XXXX BREACH. I NOW SEE CREDIT INQUIRIES MERGED TO MY PROFILE THAT I HAVE NOT AUTHORIZED OR GIVEN PERMISSION TO BE FURNISHED FROM XXXX, AND XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit reports the other day and noticed that these accounts are inaccurate, and I need them removed from my credit reports because it is destroying my life! In Accordance With the Fair Credit Reporting Act the accounts listed below are on my credit reports and violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. Inaccurate accounts : 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 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 Incorrect Name : XXXX XXXX XXXX. Correct Name : 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I never provided written instructions. 15 U.S.C. 1681a-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. Someone knows that this information is inaccurate, and is negligent in correcting my credit reports.
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 remove/block any account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Law were violated by equifax, XXXX and XXXX. laws written by congress that the bureaus have broken. it is not a belief on whether the law has been broken by each bureau ( XXXX, equifax, XXXX ) it a matter of fact that they were. and i the consumer would like this ratified. it has caused me much distressed. 
Under 15 U.S. code 1681b : Permissible purpose of consumer reports.

( a ) In General subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Also Under 15 U.S code 1681 ( a ) Accuracy and fairness of credit reporting.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for consumers right to privacy.

my rights have been violated, my privacy violated and i can not as a consumer of the U.S believe that this has happened to me and it is not right for them to have the thought that they are above the law which per the law they are not and i demand something be done about this and not only thing i demand that my rights be honored and not ignored. I the consumer gave transunion, equifax or experian any written consent to report anything on my consumer report and i sure in heck did not give the right of my privacy to be invaded. Also when there is no consent by law that is identity theft. this is not fair.

on date 4/1/2020 letter were forwarded to XXXX  equifax and XXXX  stating the information above. per law 15 us code 1681n- Civil Liability for willful noncompliance ( a ) In General any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to the consume in an amount equal to sum of- ( 1 ) ( b ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by consumer as a result of the failure or {$1000.00} whichever is greater.

With that each violation is $ 1000.and i demand my compensation law for each and every violation made by transunion, equifax and experian and i also demand a deletion .of accounts and judgments15 U.S. Code 1681b - Permissible purposes of consumer reports
Product: Student loan

I requested information about my student loan origination date, terms and the total amount due. Navient was very slow to respond, it took months and repeated emails. 
The inquiry was in response to the student loan forgiveness program that President Biden started in 2021. Navient responding stating that I didn't qualify. I sent another email asking about student loan forgiveness based on the fact that the loan was over twenty years old. During the time of the loan. It started out as a Sallie Mae loan and then sold or changed to another lender. Since this time, the loan was advised for deferment several times by the loan company. No mention of a income based repayment plan. During the time when loan payments were on hold to Navient, interest was accruing. All payments to student loans were paused by the Biden Administration during covid without interest or penalties. I continued to make full payment to my loan requesting the the amount be applied to the balance in a note on the payment check. Navient continued to charge me interest during that period. Now my loan is changing to another vendor from Navient.. I would like some help. My loan amount is still at {$20000.00} twenty years later.
Product: Credit card or prepaid card

This afternoon ( XX/XX/2019 ) I spoke with a representative and her supervisor regarding my request for a credit limit increase. During the discussion I was informed that there isn't an appeals process - but Capital One was unable to do a soft pull of my credit which I found difficult to believe given that on the letter with their explanation, Capital One was unable to obtain specific information about me. However, they were able to obtain a credit rating of XXXX with information associated with my credit score enclosed in the letter. Something about their process or appeals lack there of doesn't appear to be right. I informed the representative and her supervisor that I just bought second home and if my credit was subpar, I would not have been able to do so.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> the charge off acount I had original with XXXX XXXX, was settled in a lawyers office for the amount of {$600.00} They agreed to settled and closed. They sent me a satisfaction letter which I had to report to experian because they said the were not gon na report it to the bureaus or XXXX XXXX. The total balance was for {$840.00}. I settled it for XXXX. The account is still showing a paid balance of 45 % and a remaining balance of XXXX dollars. When it's supposed to be closed and show XXXX balance. 

XXXX law group. XXXX, PA XXXX account was with XXXX bank. 

Letter of satisfaction attached to this report.
Product: Credit reporting or other personal consumer reports

I understand how important it is to make timely payments. However, I missed my payment because COVID-19. But Im confident this wont happen again. As you can see from my account history, I have a long record of on-time payments before and since the late payment. 

As a courtesy, I respectfully request that you make a goodwill adjustment to remove the late payment on [ XX/XX/year> ]. Please consider my track record as proof that I take my financial obligations seriously.
Product: Credit reporting or other personal consumer reports

Im unable to access my credit report or file a dispute online with TransUnion. Theyve informed me that it's an internal issue that needs to be resolved on their end, and suggested I submit a dispute over the phone. However, I wont be able to submit any supporting documents, which are essential for my case. As a result, I had to get my credit report from third-party agencies like Credit Karma and XXXX to verify the accuracy of their information. 

I have a hard inquiry from XXXXXXXX XXXX ( Bank ) on my credit report that I did not authorize. Credit agencies like XXXX have removed the inquiry from my account, as they have confirmed it is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and XXXX am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$750.00} XXXX XXXX  XXXX Balance : {$780.00} XXXX XXXX XXXXXXXX Balance : {$600.00} MEDICAL XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I became a victim of identity theft on XX/XX/XXXX as a result of the Equifax breach. I created an Identity Theft Report with the Federal Trade Commission, filed a police report, disputed a XXXX XXXX XXXX  loan made without my authorization with XXXX who was the only credit reporting agency that XXXX did a credit inquiry with. I had already placed an initial fraud alert with all credit reporting agencies as a result of the breach that reflected my personal info was involved. XXXX approved the loan regardless of this fraud alert. 

In XX/XX/XXXX, I requested an extended fraud alert placed on my credit files on all XXXX credit reporting agencies. I provided all the required documentation. XXXX and XXXX readily complied with my request. Equifax is the only one that has not complied. I have submitted by mail twice with Equifax providing all the documents requested and they claim that they didn't receive the first request and the 2nd request, they are treating as a dispute not as a request for extended fraud alert even though the form I submitted is a fraud alert request. I need assistance in getting Equifax to comply with my request for an extended alert since their breach caused my identity to be stolen.
Product: Debt collection

It is XX/XX/XXXX and I am in the process of purchasing a home and my " credit score '' has taken a 150 point hit due to a collection/derogatory mark for a {$59.00} ERC Collection. I have never made a " late payment '' nor had anything turned over to collections. My loan company was able to see that the {$59.00} debt was with XXXX XXXX. I currently reside in XXXX XXXX and have since XXXX. XXXX XXXX/XXXX/XXXX does not offer services in my area. I reached out to XXXX XXXX and they could not find an account based on my phone number or address. We reviewed all my past address ' and they found one from XXXX that an " account '' had been set-up but service had never been provided. They could not see ANY MONEY due or any debt owed to them. They told me to file a fraud charge " after '' contacting the collection agency ERC. I contacted ERC and they found the {$59.00} for my address in XXXX. They could not provide ANY information from it as they said they purchased the debt from another debt agency. I have never received any communications with regards to this " debt '' and do not know what it is for considering I NEVER had service with XXXX XXXX/XXXX/XXXX. All contact with ERC and XXXX XXXX happened on Thursday XX/XX/XXXX. It has been over 6 years and I have NEVER received notification of money owed nor direct contact from a collections agency.
Product: Checking or savings account

On Friday, XX/XX/XXXX, my husband and I went to a Chase Bank agency with the purpose of opening a business account, but we found ourselves with the limitation of not being able to do it because, being from XXXX with an approved TPS ( Temporal protection status granted by the Department of Homeland Security ) which has currently been renewed until XX/XX/XXXX, we currently find ourselves with an expired passport without being able to renew it given the particular circumstances of XXXX. It seems discriminatory to us not to be able to open an account in this Bank because not having a valid passport can not be used as primary identification ( according to Chase ), however we have a current driver 's license issued by the state of Florida as well as the permit of work ( EAD ) which is valid until XX/XX/XXXXXXXX  due to the automatic extension applied to these work permits issued with the approval of the TPS of the year XXXX. 
he United States government has accepted and recognized the expired passport of XXXX  in many immigration processes and we currently do not know of any law or sanction that prevents the opening of bank accounts for having this expired document. In fact, we understand that there should be no discrimination or different treatment for not being citizens or permanent residents of this country in processes like this.
Product: Vehicle loan or lease

Since my last complaint they have still yet to unlock my card. Its not my card thats been the problem, its been the card Ive always used to make my payment. Its been in their system. They have completely blocked me for months to make any payment and now have suspended my account to use the XXXX  app for making a payment.
Product: Bank account or service

Back in XXXX of 2015 I opened an account Online with BBVA Compass Bank. On XX/XX/XXXX I received a letter indicating that my account was approved and all was required was the opening deposit. On XXXX XXXX, 2015 I mailed in a money order in the amount of {$40.00} in order to have my account opened. A few days later I received another letter from BBVA Compass Bank that the account can not be opened due and issue with XXXX. So, I called the bank in XX/XX/XXXX top get my deposit back and the bank told me to call a week later. Called the bank a week later and I asked to have my deposit sent back and the bank could not locate it or could not give me any information. I have been calling the bank almost everyday and they can not locate my initial deposit of {$40.00}. I made a call to trace the money order and it was cashed on XX/XX/XXXX.I made another call to the bank today and they placed me on off on hold and at the end they tell me they can not locate the money order. The bank is not being helpful at all. how can a deposit go missing? It has been cashed. I need to have the bank investigate this further and pay me an additional {$100.00} for my time, calls and lack of service. And I have also noticed the bank is not being honest with me in regards to what has happened to my deposit.