23daVinci/CFPB_Complaints huggingface dataset:
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 ; ACC XXXX  XXXX Account Listed As : ( Orginal Creditor : ) ; ACC XXXX  XXXX XXXX  XXXX ; ACC XXXX  XXXX XXXX XXXX  ; ACC XXXX  XXXX, XXXX  XXXX XXXX ; ACC XXXX  XXXX XXXX XXXX XXXX ; ACC XXXX  XXXX XXXX/DOFED; ACC XXXX  XXXX XXXX/DOFED ; ACC XXXX  XXXX XXXX  ; ACC XXXX  XXXX, XXXX  XXXX XXXX  ; ACC XXXX  XXXX, XXXX XXXX US DEPT ED ; ACC XXXX  XXXX XXXX  XXXX XXXX ; ACC XXXX  XXXX U S DEPT OF ED/XXXXXXXX  ; ACC XXXX XXXX XXXX ; ACC XXXX  XXXX 15 U.S.C 1681 section 602 A. : States I have the right to privacy 15 U.S.C 1681 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 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 dispute about a bankruptcy they fail to investigate the account properly and verified as accurate and according to the court they do not report to credit to Equifax
Product: Debt collection

On XX/XX/year> I mailed a dispute letter to KIKOFF who is reporting false information on my credit with all three credit agencies and I mailed a certified returned receipt letter to them and the letter came back as not deliverable as address and unable to forward on XX/XX/year>. I also disputed it with the credit agencies who responded that this debt is accurate and the address they provided is not an accurate address. 
According to Federal Law, a company reporting a debt is to provide an accurate mailing address where consumers can write them and due to not having been able to reach them to a legitimate address, then the credit agencies and KIKOFF are committing Fraud per Federal Law. If they do not immediately delete this reporting from all credit agencies within the next 15 days, I will petition them and the credit agencies to provide evidence to collect on this debt and I will be pursuing them for fraud, defamation of character, damage to my credit worthiness among other charges.
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required XXXX-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MA, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, SC, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, SC, XXXX Employer - XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Checking or savings account

On XX/XX/2024, I initiated a {$100000.00} transfer from my Marcus by Goldman Sachs Online Savings Account to my personal XXXX XXXX XXXX Investing Account. But this transaction was reversed by Marcus by Goldman Sachs on XX/XX/2024. On XX/XX/2024, I spent around 4 hours talking to more than 4 customer service associates, but got different explanations. Further, I had another similar {$100000.00} and {$50000.00} transfers initiated on XX/XX/2024 and XX/XX/2024 respectively, which probably would be declined by Marcus by Goldman Sachs too. So first could I get the correct reason why these transfers between my own personal accounts were declined by Marcus by Goldman Sachs? Second, I need to use the {$250000.00} in my personal XXXX XXXX XXXX Investing Account as soon as possible, so how can I transfer the {$250000.00} funds out of Marcus by Goldman Sachs in the fastest?
Product: Student loan

My loan account with Navient is set up to automatically draw from my bank account. The amount withdrawn is greater than the minimum payment for all of the loans combined each month ; however, every month for the past number of months I have been charged a late fee. I contacted Navient and was informed that there was an issue with the allocation of payments, leaving some loans overpaid and some underpaid. They assured me that this would not happen again, yet it continued. For the months I did not realize this was happening, it negatively impacted my credit score. Although I was reassured monthly that this would not happen again, it continued happening.
Product: Vehicle loan or lease

I purchased this vehicle in XX/XX/2019. The dealership had improperly charged me for gap insurance and a service plan. They eventually refunded the amount directly to the loan company in the amount of {$3400.00}. My account is paid ahead about 8 months and this company is trying to charge me a late fee. They are still making me make payments even though the account is paid ahead. I contacted them and they just tell me they only applied the amount to the principal and made no changes to my monthly payment. Why? Again the account is paid ahead and with all that is going on with the coronavirus this company refuses to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

During XX/XX/XXXX-XX/XX/XXXX I lost my job and was going through severe financial hardship. I filed a financial hardship letter around XX/XX/XXXX and XXXX XXXX XXXX XXXX acknowledged my financial hardship and restructured my loan for me to make my payments lower. 
I have been on time with payments every month since then, up until and including this month of XX/XX/XXXX. 
As of XX/XX/XXXX, XXXX XXXX XXXX XXXX claims they have no power to remove the late payments due to financial hardship, and said I could file a complaint or converse with the credit bureaus to have this unfortunate mistake removed from my report.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX and noticed somethings are incomplete and inaccurate. And according to the fair credit report 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 relate. 
I send a letter asking them to re investigate these accounts listed below because 1 XXXX  XXXX XXXX XXXX open date is not reported correctly, date last active, this account is not accurate 2 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX open date is not reported correctly, date last active, this account is not accurate 3 XXXX XXXXXXXX XX/XX/XXXX open date is not reported correctly, date last active, this account is not accurate 4 XXXX XXXX XX/XX/XXXX open date is not reported correctly, date last active, this account is not accurate 5 XXXX XXXX XXXXXXXX XX/XX/XXXX open date is not reported correctly, date last active, this account is not accurate
Product: Credit reporting or other personal consumer reports

I did not authorize these inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I noticed on my credit report today that there are XXXX new Chase inquiries. So far, I do n't see any new account and I want to make sure Chase does n't open or close the fraudulent accounts.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, XXXX XXXX XXXX XXXX issued me a credit card after I financed a vehicle through them. I have paid both accounts exemplary since the accounts were opened. On XX/XX/XXXX, the credit card account was closed without my knowledge. I only obtained this information when I called to make XXXX XXXX  payment and was transferred to the collections department. Collection manager, XXXX, explained that the indirect lender manager, XXXX, closed the account, apparently due to XXXX and myself having a disagreement. To talk about my account, I have to talk to the collection department. I have never missed a payment or been late. Personal reasons should not be a professional reason to close my revolving account that is paid exemplary every month, which would continue to help build my credit. I have disputed this through the XXXX, in which i recieved an email from them stating that the dispute was closed due to not responding within 7 days of supposedly recieving XXXX XXXX XXXX XXXX XXXX response that they sent via mail. I never recieved that correspondence through the mail. This is extremely unprofessional and is negatively affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries on my credit report does not belong to me and was not authorized by me
Product: Mortgage

Flagstar Bank recently acquired my mortgage from XXXXXX/XX/XXXX in the process it became apparent that my tax and escrow amounts were miscalculated. upon no less than 3 phone calls Flagstar refused to review the file they were provided at time of acquisition of the loan.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I have identified several fraudulent accounts and inquiries reported on my credit file. As these accounts and inquiries are a result of unauthorized activity, I am requesting that they be immediately blocked and deleted in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ).

Below are the specific accounts and inquiries that I request to be deleted : Fraudulent Accounts : XXXX. XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1000.00} XXXX. XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1900.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$13000.00} Fraudulent Inquiries : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was attempting to buy a house and noticed these inaccuracies on my credit report : XXXX : Multiple letters sent and phones calls were made to remove improper address/names from XX/XX/year> to current and they still remain. 

JPMCB CARD SERVICES $ XXXX incorrect dates/amount on this charged-off account and despite multiple attempts from both the creditor and the reporting agency I was not provided with the requested reason for the amount/dates changes or the contract/collection information including but not limited to the signatures of all involved. 
. 

XXXXXXXX XXXX- No knowledge of this creditor and despite multiple attempts from both the creditor and the reporting agency I was not provided with the requested proof of the alleged debt. 

XXXX : Multiple letters sent and phones calls were made to remove improper address/names from XX/XX/year> to current and they still remain. 

JPMCB CARD SERVICES $ XXXX incorrect dates/amount on this charged-off account and despite multiple attempts from both the creditor and the reporting agency I was not provided with the requested reason for the amount/dates changes or the contract/collection information including but not limited to the signatures of all involved. 


XXXX XXXX ( XXXX ) - No knowledge of this creditor and despite multiple attempts from both the creditor and the reporting agency I was not provided with the requested proof of the alleged debt.. 

XXXX XXXX ( XXXX ) - {$2700.00} & {$1100.00} Refusal on multiple dates letter/calls to provide me with the purchase agreement from XXXXXXXX XXXX and all signed documents regarding this alleged debt in order for me properly dispute the amount ( s ) dates and alleged second card info but was ignored. 


XXXX : Multiple letters sent and phones calls were made to remove improper address/names from XX/XX/year> to current and they still remain. 

XXXX XXXX {$1000.00} No knowledge of this creditor and despite multiple attempts from both the creditor and the reporting agency I was not provided with the requested proof of the alleged debt. 

XXXX XXXX ( XXXX ) - {$2700.00} & {$1100.00} Refusal on multiple dates letter/calls to provide me with the purchase agreement from XXXXXXXX XXXX  and all signed documents regarding this alleged debt in order for me properly dispute the amount ( s ) dates and alleged second card info but was ignored. 

JPMCB CARD SERVICES $ XXXX incorrect dates/amount on this charged-off account and despite multiple attempts from both the creditor and the reporting agency I was not provided with the requested reason for the amount/dates changes or the contract/collection information including but not limited to the signatures of all involved.
Product: Debt collection

I on XX/XX/2024 I sent a letter to CREDIT CONTROL SERVICES INC, requesting a copy of the original purchase agreement, proving that they are the legal owner of an alleged debt they are reporting on my credit report. However it's now XX/XX/2024 and they have yet to honor my request nor have they produced the documents I asked for. I don't owe this company anything, nor have they validated this misleading information. The account was then sold to CREDIT CONTROL SERVICES INC. Please have CREDIT CONTROL SERVICES INC remove this account permanently where it could not be resold to another debt collector for this is hurting my chances of being approved for a home loan and causing me so much stress and inconvenience. If they refuse to do so, I will be taking legal action against them. Permanently Delete this account from my credit report! Thank you for your Time.
Product: Checking or savings account

My debit card information was stolen sometime before Saturday XX/XX/2024. When I was notified of transactions that were being done that were not authorized. The debit card was frozen and no more transactions were able to be done. The bank said that they can not dispute pending transactions and I had to wait until they were cleared. All the unauthorized transaction were listed to the bank. I was informed that some were denied, however the money was still removed from my account.The supposedly denied transactions were then able to clear my account and a dispute could be started, which it has on all the unauthorized transaction. The money was instantly removed from my account and now I am being told it could be almost two months before it gets returned. Now I have to wait to have my stolen money returned even after telling the bank that these charges were fraudulent. Someone in XXXX  had a good time at XXXX while I was at a movie in XXXX. My family is without some needed fund and the bank will not move any faster. Trying to complain to the bank gets no action other then they will work on the dispute and that may take a while.
Product: Mortgage

Fifth Third Bank sent a check to my town to pay my school taxes. Instead, I paid my school tax on XX/XX/year>, and, on XX/XX/year>, my town, the town of XXXX, mailed the check from Fifth Third back to Fifth Third. 

When Fifth Third received this check back, it will result in my escrow balance being {$0.00}, which would then allow me to close my escrow account. 

As of XXXX XXXX XXXX over 2 weeks since my town mailed their check back to them, Fifth Third has yet to credit my escrow account with the returned check. 

Effective XX/XX/XXXX, based upon a previous escrow analysis, my monthly payment includes an escrow payment of {$1700.00} plus. 

I need Fifth Third to credit my escrow balance with the check returned to them so that I can request my escrow account be closed and avoid an escrow payment due in XXXX.
Product: Debt collection

I was a long time customer of XXXX XXXX. In the spring of 2021 we started experiencing service issues on several of our phones and worked repeatedly with the company to get those issues corrected. There were numerous calls to their tech support line and after many attempts it became clear that they were not going to be able to correct the problems. We cancelled service in XXXX of 2021. They billed us {$380.00} after we closed the account. We disputed this credit card charge through our bank in XXXX. On XX/XX/XXXX we recieved a letter from our bank saying we had won the dispute. XXXX XXXX continued to seek payment of that debt. I sent a copy of the letter from the bank to XXXX XXXX on XX/XX/XXXX asking them stop seeking payment. They still continued to seek payment and threatened to send it to a collection agency repeatedly from XXXX. I got notification from Professional Credit Service that they were seeking payment for a total of {$610.00} on XX/XX/XXXX. On XX/XX/XXXX sent Professional Credit Service a dispute letter. On XX/XX/XXXX Professional Credit Services sent me an email requesting payment for {$620.00}. On XX/XX/XXXX I called them and asked them to drop the debt and they refused. I requested to be transfered to a supervisior and was a told a supervisor would call me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Product: Credit card or prepaid card

My XXXX  card from Bank of America for California XXXX XXXX was stolen and being used before I received it. I have never received a card. Per BOA, it has been processed XXXX sent XXXX on XX/XX/XXXX, activated on XX/XX/XXXX and started being used on XX/XX/XXXX ( total of {$5000.00}, 5 different occasions XXXX via ATM. I filed claim to BOA for full reimbursement and filed to XXXX XXXX Police department for Identity theft and forgery and today, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer and natural person with a right to privacy, confidentiality, and fairness. In accordance with the Fair Credit Reporting Act, the consumer reporting agency has violated my rights with accounts listed on my consumer report : 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 - 15 USC 1681 ( a ) ( 4 ) - As the consumer, I have a right to privacy.

15 USC 1681a ( 2 ) ( A ) ( i ) - A consumer report does not include transactions or experiences between the consumer and person making the report.

15 USC 1681a ( 2 ) ( B ) - A consumer report does not include any authorization or approval of specific extension of credit, directly or indirectly by the issuer of a credit card because it is used to obtain an extension of credit.

15 USC 1681b ( a ) ( 2 ) - A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681e ( a ) - A consumer reporting agency, shall maintain reasonable procedures and limit furnishing of my consumer report under 15 USC 1681b.

15 USC 1681e ( b ) - A consumer reporting agency shall follow reasonable procedures to assure the maximum accuracy of information on my consumer report.

15 USC 1681e ( e ) ( 1 ) ( B ) - My consumer report can not be procured for the purposes of reselling information without my written instructions.

15 USC 1681g ( a ) ( 1 ) ( A ) - A consumer reporting agency must disclose all information on my file, clearly and accurately to me.

HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 - Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. This is a clear violation of my rights to privacy.
Product: Student loan

Submitted a request with Aidvantage for a refund on payments ( about XXXX was the request ) made during COVID. The original request was made on XX/XX/22 and I still have not seen the refund or the balance that was requested reflect on my loans through Aidvantage
Product: Credit reporting, credit repair services, or other personal consumer reports

Account with XXXX XXXX is appearing on my credit report. This is a result of identity theft. I have attached a copy of my FTC XXXX affidavit in support. Please block and suppress this incorrect information. 

Account # XXXX
Product: Debt collection

On this XX/XX/XXXX Midland Funding LLC opened a collection. 

Account # : XXXX {$2400.00} that I owe I have never signed any written documentation saying I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer I do not know who they are and have not written any consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 

Please have this removed from all XXXX credit bureaus. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered again that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>