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

I received a letter in the mail today, XX/XX/XXXX from Capital One requesting more information in regards to a credit card I recently applied for. I have not recently applied for a credit card so I immediately checked my credit monitoring app ( XXXX XXXX ) and it shows a hard inquiry on my credit from XX/XX/XXXX from Capital One. I am working on freezing my credit through each bureau but this extremely worrying considering someone would had to have had my social security in order to have gotten this far on a credit card application. PLEASE HELP ME.
Product: Credit reporting or other personal consumer reports

I am in the process of applying for a mortgage. The XXXX, Transunion and XXXX reportedmy mortgage inquiries assepartae inquiries. I submitted the mortgagerequeststo obtain the best rate all within a 45 day period. The credit bureaus arereoprtingthem as separate inquiries. I am allowed to shop for the best rate within a 45 day perod to reflect as 1 hard inquiry. The credit bureaurs arereporting the mortgage inquires as seprate requests which have resulted in my credit score being lowered by almost XXXX points. I want the credit bureaus to accurately reflect that my mortgage application inquiries should be reflected as one inquiry in my credit score.
Product: Student loan

Due to an error of a Navient employee, my previous payment plan was not handled correctly. My monthly payment was supposed to be distributed into both accounts. XXXX of my loans ended up in default because of this. I called in and set up a $ XXXX  monthly payment plan, with the intent to provide a larger down payment. I made XXXX payments of {$200.00} but unfortunately, we ran into an issue with out bank and our account was defrauded. We had to set up a new bank account and lost money in the process. I called in today XX/XX/year> with the intention of setting up more payments, only to be told that now BOTH accounts were defaulted and I would need to make a larger down payment. The person I spoke to ( XXXX ) told me he could see that my parents ( co-signers ) could afford to help me if they chose. This was intimidation and I don't appreciate it. My parents are retired and are on a fixed income. They CAN NOT help me with my loan. I understand that I need to pay this off, however, I can only pay what I can afford. Right now, that is {$200.00} per month. Most of the Navient employees I've spoken to have been so unbelievably rude and hard to work with. I can not pay what I don't have. Can someone please help me set up a plan that works for me. {$200.00} per month is what I can afford. Also, XXXX hung up on us during our conversation, which is very unprofessional. He kept talking over us and was rude, which is normal for Navient. They act like the mob when it comes to collecting our payments. I'm always on edge when I call because I know it's going to be an argument and they won't work with me. Navient is the most unprofessional student loan company I've dealt with.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation: address not mine XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX


FCRA Violation: credit card never late XXXX XXXX XXXX XXXX  
FCRA Violation: credit card never late XXXX XXXX XXXX XXXX

FCRA Violation: credit card not mine XXXX XXXX  
FCRA Violation: student loans never late
XXXX XXXX

FCRA violation: collection not mine
Original creditor XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already submitted a report via the CFPB and Equifax responded that they " did an investigation and will mail the results. '' However, none of my information was corrected, I never received a follow up, and they actually mailed information to the wrong address under my previous name. The prior complaint is as follows : I've been trying to contact equifax for over a year now to correct my credit information. I had a legal name change in XX/XX/2020 and I contacted them when they were causing issues with incorrect information beginning XX/XX/2020. They required I send in documents which I sent my ID, social security card, proof of address, and legal name change court document. I sent XXXX copies of these documents 2 times and they claimed they never recieved them in the mail. I called and they claimed I could fax the information so I faxed it 4 times and they claimed they only recieved XXXX copy. Finally they said I had to verify my account information and they unlocked my account which they never told me was locked, I was just unable to login. I finally am able to access my account and they aren't reporting my accurate legal name nor my credit accounts correctly. I've called over 20 times and most of the time I get a very rude customer support representative, who doesn't speak XXXX well, and will start using my old incorrect name when they learn I've had a legal name change.
Product: Debt collection

There is an alleged account on my credit report that is reporting incorrectly and should not be on my report. This company has sent me a letter of discharge stating that the account has been discharged and should be removed from my credit report but it is still reporting.
Product: Credit reporting

I requested verification of collections/ negative accounts on my credit report and only received what looks like a printed statement. They did not properly validate the collections/negative accounts on my credit report. I requested removal if the accounts that could not be validated. They remain on my credit report.
Product: Mortgage

In XX/XX/XXXX I apply for a refinance loan with Rocket Loan ( Quicken Loan ). I spoke to XXXX XXXX who was my loan officer. While going thru the process, I inquired about A previous loan with Quicken Loan. XXXX XXXX loan # XXXX which I applied for around XXXX. I explain that I had gone thru the process with him and was denied that loan because of the appraisal. In XXXX I was approve of a construction loan of {$140000.00} with XXXX XXXX XXXX  and my appraisal was {$160000.00}. I explain to XXXX XXXX that I had a bad experience with XXXX XXXX loan process where the appraisal was {$120000.00}, which caused my loan to be denied, and I lost the {$500.00} appraisal fee. She ( XXXX XXXX ) asked for the loan number that I had which was # XXXX. XXXX  entered it in the system and that number was invalid. I was in disbelieve and realize then that I was a victim of predatory lending servicing discrimination. Because of this appraisal my property value has been into question. This has hinder me from getting a home loan also. I feel this is one of the factors that prevent me from creating wealth for myself. This has been a traumatic experience.
Product: Checking or savings account

My grandma has an account at rbfcu and made an acct for me there but refuses to give me my card or information for the account she made without my permission. I only know she made an acct in my name because she had given me my account number at one point in time and told me it was in my name but I can't find my account number anymore so I think they'd be able to go by my name? XXXX XXXX XXXX, dob-XXXX, also I have a trust there as well that she says I have no access to but I've seen paperwork on this inheritance account as well. What are my rights to this and am I able to get my account info and card if the account still does exist?
Product: Student loan

In XX/XX/XXXX I recieved a phone call from a 3rd party servicer called Student loan support center.On XX/XX/XXXX I made my first payment of {$59.00}. We made an agreement that every two weeks until XX/XX/XXXX i would pay them {$59.00} and these funds would go toward my student loans to get it out of default. They failed to mention that this was a service charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. My name is XXXX XXXX. I was shocked when I reviewed my credit report and was saddened to learn that you somehow verified the disputed item 's below, electing to leave them on my report. These are accounts that is not mine and I have no knowledge of these accounts. 

The unverified items listed below remain 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 mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA XXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX XXXXXXXX - Account # XXXX XXXX XXXX XXXX  - Account # XXXX
Product: Money transfer, virtual currency, or money service

I have a binanceXXXX  account and I have been trying to withdrawal some funds for the past 3-4 months and I get an error " Withdrawal suspended due to risk management ''. I have contacted the support team multiple times and no response. I have researched on my own how to resolve the issue and I found others on a XXXX board that are having the same issues. I have quite a bit of money tied up on their site and I'm unable to use it because of these errors. My account is verified and all other options to try and get a hold of someone I have tried. No response from their team.
Product: Mortgage

My mortgage loan was transferred to another company and I was never notified. My mortgage payments were returned to my bank account, during XX/XX/XXXX- XX/XX/XXXX, and now my mortgage payments are in default. A company named XXXX XXXX XXXX XXXX is now threatening me, and stating that my house in going to be foreclosed unless I pay over {$17000.00}. As of today, XX/XX/XXXX, my mortgage payments are still deposited into the original mortgage loan account. XXXX XXXX XXXX XXXX notified me that my payments are being received under the original account number that I have been using for the past 20 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently moved from XXXX XXXX to XXXX  this year and when going for an apartment I was told I had a Bankrupotcy on my file which as you can imagine, is alarming. I XXXX  the best way to dispute it and did with the 3 credit Bureaus that it was inaccurate and to remove it ( XX/XX/XXXX ). XXXX removed it which is great, but Trans Union and XXXX did not. I did more research and decided to reach out to the court as well. I wrote them a letter asking what infor that they have on me for reporting the information and they responded that they do not provide the credit bureaus information, which caused quite a conodrum as you can imagine. How is a credit bureau validating the information if the supposed court it occurred at does not supply the information. I wrote back to the credit bureaus Trans Union and XXXX with this information, even cited the proper law, and provided the paper the court provided, still nothing. 
This is my last resort to correct inaccurate information.
Product: Student loan

To Whom it may concern After reviewing my credit report I have noticed several errors and inconsistencies regarding my closed student loan account with the creditor XXXX. The first late payment was on XX/XX/XXXX and the first date of delinquency is XX/XX/XXXX, which means the day loan should have fallen off my report on XX/XX/XXXX, but it remains there and has had an adverse effect on my report. I am asking that all XXXX  accounts be remove and deleted from " XXXX '' for violating the FCRA. I have highlighted were the first late payment was and the first day of delinquency. I have also attached and highlighted a document where the CFBP had the creditor XXXX  account deleted from my Equifax profile, but the same account is still being report erroneously on XXXX
Product: Debt collection

I rented my first apartment at XXXX in XXXX from XXXX XXXX XXXX XXXXXXXX XXXX XXXX. The place wasnt even fixed and done when they showed it to me, but I needed a place so I took it. In the two years I lived there, I suffered with cockroach and bedbug infestations. Spending thousands of my own money to replace things over and over. I got harassed by other tenants and the landlord did nothing about it. I got a new place and moved out in XXXX of XXXX. After I moved out, they renovated the entire apartment and charged it on my credit for damages for a total of over {$3000.00}. There is absolutely no way there was that amount in damages, they are just trying to make me pay the cost of their renovations. I seen the paperwork and their amounts and labor hours didnt even match up. I was a teen at the time so of course I didnt understand the importance of fighting it. Years later, Im trying to pay it so I can fix my credit and they wont negotiate with me at all and instead are trying to force me to pay the full amount. The company is the Thomas Agency in XXXX, Maine. Phone number is XXXX
Product: Credit reporting or other personal consumer reports

These inaccuracies in the personal information on my credit report are unacceptable and a clear violation of 15 USC 1681 e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy. The incorrect details include the incorrect addresses XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX and XXXX XXXX XXXX XXXX, NJ XXXX. You can look to my supporting documents for an accurate address. I'm currently self-employed, please remove other variations of my employer information such as XXXXXXXX XXXX XXXX. Besides, under 15 USC 1681b, consumer reports can only be furnished for permissible purposes explicitly defined by law. Reporting these without my consent is a clear violation. This matter demands immediate investigation and correction without delay.
Product: Vehicle loan or lease

I set up an autopay arrangement on Ally 's website but not one payment was drafted and after 4 months I checked and the account had been charged off. I called to ask what happened and why has no payment been drafted and I was told that my account is charged off and there is nothing I can do to get it back. This is WRONG and I want my account reinstated so that I can finish paying my car off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several disputes throughout XXXX, in regards to my account with Fed loan Servicing. There are 5 accounts being reported as 90 days late, in XX/XX/XXXX that were included in an approved forbearance period. This information is continually being added back to my credit even though I have repeatedly disputed it. This inaccurate information is hindering my ability to purchase a home. I have repeated sent certified mail to both the lender and all 3 credit bureaus, and there has been no permanent solution.
Product: Credit reporting or other personal consumer reports

I noticed an alert on my XXXX credit report. Upon checking I noticed a collections from a company called Jefferson capital. They are saying I owe a debt to sprint. I have never in my life had XXXX, XXXX doesnt even exist anymore, they were bought out by XXXX. Ive been with XXXX XXXX since 2006 and now with 100 % certainty that this is not my account and Im being fraudulently attacked by Jefferson Capital. I want them to send me a verification letter, and I will in teen send them a copy of the police report I filed for identity theft
Product: Prepaid card

My account was used to make purchases I did not authorize. When I noticed these transaction the same day they were made I reported to Netspend XXXX/XXXX/16. On XXXX/XXXX/2016 I received an email that the dispute was started and gave me a dispute number. There were XXXX transactions totaling around {$700.00}. I get XXXX and that is my only income and I have no money to survive. Netspend is refusing to credit my money back pending the investigation and told me I have to wait till XXXX/XXXX/2016 to find out the results. I had possession of my card the whole time and I dont know how this happened. But the charges were for uninversal studios in XXXX and XXXX XXXX!! Some of the transactions have cleared but some are still pending.
Product: Checking or savings account

Over 30 days ago I noticed a withdrawal from my HSBC account. Someone wired money from my account to another account in Illinois. I contacted my account and they were able to get a hold of the other bank and stop the distribution of my money. I have now waited over 30 days for the amount of {$400.00} plus a {$35.00} service charge to be put back in my account. It takes over an hour to sit on hold waiting on someone from the fraud department to get on the phone and when I do no seems to know when I'm getting my money or what is going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found addresses on my account that i have never lived at and addresses that I haven't lived at in over 10 years. I sent each Experian, XXXX, and XXXX XXXX letters asking them to remove the incorrect information. And to only show the correct information. They didn't. This is placing me at risk of identity theft. If my personal information is sent to one of those incorrect addresses. 
I also found that my name was missed spelled and missed used as also known as.
Product: Credit reporting or other personal consumer reports

The late payments listed do not align with my usual payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX, XXXX CARD XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX CARD XXXX, XXXX CARD XXXX, XXXX CARD XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX CARD XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXXXXXX ( charge off ) XXXX XXXXXXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/year> 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 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 of 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 written several times disputing the XXXX XXXX XXXX bill and it isn't being removed. I asked them to verify that I am the financial party whom signed the documents to be financially responsible for this bill and I am not that party yet these bureaus keep reporting erroneous items. I am not the party that is responsible for paying anyone 's bills but my own. If they would look at the signatures they will see for a fact I am not the responsible party. Made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA this item should have been verified as incorrect and deleted but the bureaus has yet to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

as of XXXX2019 equifax erroneously dropped my credit score 90 points for no reason.
Product: Mortgage

On XX/XX/2020 I sent a certified letter to BNY Mellon regarding my mortgage that served as a Qualified Written Request under Section 6 of RESPA. They confirmed receipt both verbally and I have the certified, return receipt post card dated XX/XX/2020. They have yet to respond to me in writing on my request. I will attach all of the documentation but they are not allocating my payments timely, sometimes 60 days after cashing my funds, continuing to provide incorrect statements, and not allocating all of my payments to my account. This is inflating my balance.
Product: Vehicle loan or lease

I leased a XXXX  in XXXX and on XX/XX/XXXX the car was involved in an accident which resulted in a total loss. My insurance company sent {$41000.00} to Kia  which shows in my payment history as received on XX/XX/XXXX but Kia has not applied the payment and continues to hold it in suspense. I have made numerous calls, probably ten or more trying to get them to apply the payment and they keep saying they need information from the insurance company, but the insurance company claims to have sent it on numerous occasions. I had also received a notice from Kia that I was no longer responsible for payments but their customer service software does not communicate with their total loss department software so I have been forced to continue to pay for a car which I do not have any more just to protect my credit. I have paid XXXX, XXXX and soon will be forced to pay XXXX. In addition, the insurance payment was an overpayment of more than {$7000.00} higher than the payoff and now with my continued payments Kia actually owes me over {$8000.00}. Every time a call I get a different person and a different story although today the agent admitted they were backed up 3-4 weeks. I could provide more detailed information if needed. Kia continues to act negligently, and they are unresponsive to fair requests.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( XXXX ) ( 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 XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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