23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I informed you of a conversation between XXXX XXXX and me on XX/XX/XXXX where XXXX XXXX informed me that the only way I was to obtain copies of communication logs for the account was going to be through court. I communicated my concerns over XXXX advice to her manager, XXXX XXXX on XX/XX/XXXX. 

XXXX informed me he was unaware of the correct answer and would get back to me. When pressed to give his best guess based on his experience, XXXX stated the statement was most likely false.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian shows my FICO score went down 30 points. I don't have anything on my credit, but an account that I paid off. Experian is showing some account in red, but when I click to see where the red account is from, nothing shows up.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these XX/XX/XXXX, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more thanXX/XX/XXXX days since I filed a complaint with these XX/XX/XXXX, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Student loan

I have been making overpayments on my Navient student loans, and as a result, I am overpaid by several months. However, Navient is saying that I'm currently behind on my payments by XXXX {$500.00}. 

I called customer service on XX/XX/XXXX to see what was going on, but they were of no help. I had to correct the rep many times because he did not accurately read my account and often mistook my account for another one. The customer rep was also providing the wrong information on the payments that I was making and what my actual monthly payment amount was. 

I asked the rep why I was delinquent, given that I made extra payments on all of my loans, and he couldn't give me an answer, but he said that he " escalated it '' and that someone will get back to me. No one ever got back to me, I've reached out to Navient two more times to no avail. 

Furthermore, Navient has increased my monthly payments from XXXX  {$230.00} to XXXX without any information or prior notice. They have done this to show that I was not making any overpayments in my account. This change was reflected in my account after I called Navient on XX/XX/XXXX to question why my account was delinquent. 

Navient has also proceeded to change my graduation date from XX/XX/XXXX to XX/XX/XXXX and have added on capitalized interest to my loans. They have added on three more months of capitalized interest to my loans by falsely claiming that I graduated three months earlier than I did. 

Currently, Navient is emailing me to make payments on my overdue account ; I will be reported to consumer reporting agencies otherwise. They have already reported me once since our last conversation. 

I am overpaid by several months and, yet, I was still reported because of my " delinquent account '' and my credit score took a hit due to Navient 's dishonest and predatory behaviors.
Product: Debt collection

I was XXXX  since XX/XX/XXXX till XX/XX/XXXX in XXXX XXXX I came out ever since I been out someone falsely use my identity, I been trying fix it having hard time I reported to my XXXX XXXX about it he said theres no way it could have been you since u was in XXXX XXXX so I reported to the FTC, I have send XXXX XXXX letters trying fix it but on the XX/XX/XXXX I send a letter with all my info and ftc report as well and I just received report XXXX items still on my report they said verify how cant that be if I was not even out in society? After this, need file a lawsuit against all involved
Product: Credit reporting or other personal consumer reports

Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, by updating the date of last activity on your credit report in hopes of keeping negative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that compliant, it is also a violation to reporting inaccurate information. Upon investigating the accounts, I investigated directly from the source furnishing the data to you to ensure that everything matches up as well. Upon looking at the history between all 3 credit bureaus, I wanted to point out the inconsistencies in the reporting in the following accounts. 

It is unacceptable that, after multiple disputes and providing undeniable evidence, you continue to report inaccurate information on my credit report. This repeated failure to address the errors is both frustrating and a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.
Product: Debt collection

Debt was created not under my authorization account XXXX amount XXXX and account XXXX amount XXXX. I believe both were already disputed as not being my services and removed. As on XX/XX/XXXX account showed back up on my credit history. I have went through I identify theft in the year of XXXX were all information was lost such as id and social security.Taxes were filed and apparently other services used under my name which lead to identity pin being used each year to file taxes. I need these account removed for good due to debt not belonging to me!!!
Product: Credit reporting or other personal consumer reports

I am the author of this complaint. I applied for an apartment and was denied due to an account being on my credit report. The leasing manager reached out to me and told me that IQ DATA INTERNATIONAL INC ( Original Creditor : XXXX XXXX XXXX ) was the account responsible for my denial. I have to relocate within the next 30 days and this company has caused me great harm and inconvenience. I paid an application fee to XXXX XXXX XXXX but ultimately decided not to move forward with moving in. XXXX XXXX XXXX reimbursed me the application fee via check in the mail but now they are making collection attempts and reporting on my credit report. This company is reporting on my credit report falsely, inaccurately, and fraudulently. I exercise my right to opt out of all reporting from this company to my credit report and I exercise my rights under the Fair Credit Reporting Act to have this account removed immediately This company has violated 15 US Code 1681s-2b in their responsibility as a furnisher, they also did not provide me with my opt out rights in the terms and conditions as required by law to provide 12 CFR 1016.7section a. This company should be held under civil liability for non compliance pursuant to 15 US Code 1681n
Product: Credit card

I got an email from XXXX XXXX saying I had a hard inquiry pull from Destiny mastercard. I called the phone number and someone opened a card in my name. There are no charges yet and they put a fraud alert on the account.
Product: Vehicle loan or lease

Through my XXXX XXXX mobile app. I received an offer to refinance my existing XXXX XXXX XXXX loan for a lower interest loan with Pentagon Federal Credit Union AKA PFCU. When I called the number I was rerouted to a third party broker who sounded like a child and very unprofessional. He asked for alit of information which I provided ... and he seemed to know specific details of my account with XXXX XXXX. I also told him that I didn't want another hard inquiry on my bureau and that I needed to know the likelihood of approval. He stated nearly 100 %! I was denied and now have a hard inquiry on my record. When I called back to inquire of this situation... .no calls back and no address or info online of this person or his alignment with PFCU. I believe this person has my credit information and is not legitimate broker.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have sent over information inregards to inquiries that are n't mine. Not only did I mail them I faxed the same information over to them. I also disputed a few accounts and spoke with someone in the US handling department inregards to this same matter with the inquiries. I also have a bankruptcy that keeps coming back verified. I contacted XXXX XXXX   which I am not located in their systems. I have contacts XXXX several times with these issues and nothing has yet to be done. I have also asked XXXX for written proof of verification and was told they do n't have any. 

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

The following creditors referenced below are reporting a fraudulent account to my credit report, after providing substantial information verifying that I am indeed not the owner of this account and therefore am not liable for this debt that exists as the direct result of identity theft. 

XXXX XXXX ACCT NO : XXXX BANK OF AMERICA ACCT XXXX : XXXX XXXX ACCT NO : XXXX XXXX  ACCT NO : XXXX
Product: Credit reporting 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 XXXX XXXX XXXX. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may
make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My home loan was transferred to Ally Bank on XX/XX/2020. I still have heard nothing from Ally Bank regarding mortgage payments to this new servicer. I can not make payments online b/c I have not been provided a loan # by Ally Bank. I can not reach anyone through any of the phone numbers I can find for Ally Bank. The automated line for Ally Bank states that my payment is overdue and that Ally Bank is attempting to collect a debt. I suspect this may be fraudulent activity on the part of Ally Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for XXXXXXXX XXXX credit card with XXXX XXXX XXXX They told me that they couldnt verified my identity. They told me to fax them my drivers license, passport, power bill, renters insurance, lease signed, and a utility bill which I sent XXXX XXXX  to them. They sent me back a reply they couldnt verify my identity and had promised me a renters credit line of {$50000.00} by XXXX XXXX XXXX through XXXX XXXX XXXX. They scammed me and got all my information. When they receive the fax I paid $ XXXX to fax them they sent me a copy of the same exact letter as before. I did speak with them by phone as I called them to see if they received the fax. The guy told me it was in the process as received and approved
Product: Debt collection

I received a letter from a collection agency ; XXXX XXXX. They say that I was placed into collections for a medical bill from the XXXX hospital. Right away I was confused because I have not been to XXXX in ten years or that hospital ever in my life. XXXX hospital never sent me any bills or notices saying anything. I live 80 miles away from XXXX also. The bill XXXX XXXX sent me was in a name I did not go by at the time they are saying the bill was made. Also I made a BBB complaint against XXXX hospital and they first said this is a mistake and now they are saying they have my signature and ID but are not producing any of this information to me. You know why? They do not have it that 's why. What they do have that blows my mind is my social security number and my old name and old address which leads me to believe that someone from this hospital stole my identity. For the record I have been on XXXX even at the time this bogus bill was created so why would I have any medical bills in the first place? It 's common sense these people are not right they are covering up their misconduct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to XXXX XXXX that a credit card that I have had for more than 4 years is not being reported by Equifax. I spoke with XXXX XXXX and I was told that the cards is reported to all the three bureau. 
The card in question is a XXXX XXXX XXXX  master card ending in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION, XXXX ARE FRUADS!!!!!!! AND ruining consumers CREDIT!!!!!! I HOPE THIS COMPANY GETS SHUT DOWN By the government!!!! 

XXXX DO NOT DESERVE TO BE IN BUSINESS SINCE THEY DO WRONG BY MANY CONSUMERS!!!! 

Im going to EXPOSE you in a LIE and keep it very short and simple. 

So, CFPB, pay attention to the details to what I state and the documentation for PROOF of what I say. 

I, XXXX XXXX, sent XXXX an letter via certified mail ( I got the receipt ) dated on XX/XX/2022 and CLEARLY explaining to XXXX that there is billing errors- 15 U.S. Code 1666 - Correction of billing errors on my report and it needs to be corrected. 

I also called the same day to tell XXXX to update all the late payments on my report that its a billing error. They use the same old excuse that they have to investigate and it could take up to 60days. 

What the the XXXX is that? I AM THE CONSUMER AND CLEARY TELLING YOU ITS AN BILLING ERROR - 15 U.S. Code 1666 - Correction of billing errors AND TELLING YOU TO UPDATE AS PAID ON TIME So today, XX/XX/2022 I received a letter from XXXX stating they need they needs two forms of ID from me, keep in mind the first letter I sent had a copy of my drivers license in it, so now they using that as an excuse!!! 

Because remember I called them the same day to confirm and verify all MY INFORMATION!!! 

You XXXX crooks!!!! 

Yall just caught yall selves in a lie!!!!! 

so its clear that XXXX DO NOT follow Federal Law!!! XXXX IS IN MANY VIOLATIONS AND NEEDS TO BE PUNISHED AND SHUT THIS COMPANY DOWN!!!! 

XXXX is putting out false information and misleading - 15 U.S. Code 1692e - False or misleading representations XXXX is - 18 U.S. Code Chapter 47 - FRAUD AND FALSE STATEMENTS XXXX is violating the Fair Credit Reporting Act - 15 U.S. Code 1681 - Congressional findings and statement of purpose XXXX is abusing me by reporting false information on my behalf after Im telling them of their wrong doings - 15 U.S. Code 1692d - Harassment or abuse XXXX reporting late on a open ended credit plan and that is a VIOLATION 15USC 1666 ( B ) XXXX DO NOT RESPECT THE FAIR CREDIT ACT!!!! 

And for that reason they needs to shut you XXXX down I hate XXXX and as a consumer I have the rights to express myself!!! Yall are ruining my life and Justice needs to be done today!!!!!!!!!!!! SHUT DOWN XXXX!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts ; XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$12000.00}, XXXX XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$6100.00}, XXXX - XXXX XXXX  ( Opened XXXX. XXXX, XXXX, Highest Balance {$2400.00}. Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit card

I submitted a dispute to Ally Bank in XX/XX/XXXX, regarding a refund for {$350.00} that was not applied to my account in XX/XX/XXXX. Prior to submitting the dispute, I called Ally about the refund and their response was because I am calling more than XXXX months from the original date ( XX/XX/XXXX ) I purchased the product, they could not apply it to my account. I stated I was not calling about the original purchase, I was calling about why the refund that was submitted to Ally 3 months ago was not applied to my account. They said I should submit a dispute. Additionally, the company who issued the refund contacted them about why, if theyre not going to apply it to my account, are they not returning the {$350.00} to them. They received the same response about the original charge being more than 6 months ago. So they are essentially pocketing the {$350.00} and refuse to return the money or apply the refund to my account. 

I then submitted a dispute in XX/XX/XXXX, about the refund not being applied, even though the refund was within the 6 month period to submit a dispute, per the terms of the agreement. The dispute stated that I did not call about the original purchase in XX/XX/XXXX, I was calling about the refund that did not show up in XX/XX/XXXX. Allys reply was the same answer I received over the phone which stated I could not get the refund because the dispute was more than 6 months from the original purchase. 

I am now out {$350.00} because they refuse to apply it to my account or send it back to the company.
Product: Credit card or prepaid card

I have a debit card with Coinbase. There were 4 FRAUDULENT transactions made with my debit card. I alerted Coinbase real time when 2 transactions of XXXX and XXXX were made, when I received alerts on the mobile device. They were still pending when I alerted Coinbase. They never did anything about it. I also open a ticket at the same time. There are screenshots of it. Nothing happened for a few days, so I asked for the status and was told ticket was never opened ( even I have screenshots of the ticket number from the chat ). They opened new ticket. Nothing happened. I contacted them via twitter and someone told me they are working on it and they started to ask me questions that were already answered in the email chain. And it has been going on. Same questions and no progress whatsoever. 
Please help to recover my money and would be nice if Coinbase is punished for lack of the required support by USA laws XXXX XXXX
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX Dear CFPB, I am writing to formally file a complaint against XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ).

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX. Under the CARES Act, creditors were required to provide payment deferrals or modifications
and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law.

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report.

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA.

Request Therefore, I request that the CFPB investigate this matter and require XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect.

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

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

Credit karma, said I was pre approved for a bunch of different loans. Ran a credit check even if it said no credit checked required this all happened XXXX and XXXX Now I have XXXX hard inquires a bunch of which are authorized and they refuse to do anything. I got denied for mortgage, credit card and other things I was pre approved for. It also dropped my credit XXXX points
Product: Credit card

I have a Citibank XXXX XXXX card. 

My XX/XX/XXXX statement had a {$1600.00} balance, which I paid via paper check and put in the mail on XX/XX/XXXX. My bank is XXXX XXXX XXXX XXXX. 

This check was cashed twice by Citibank : XX/XX/XXXX Check # XXXX, tracer # XXXX XX/XX/XXXX Check # XXXX, tracer # XXXX Citi bank statement XX/XX/XXXX - XX/XX/XXXX showed that XXXX was paid ( XXXX twice ) and XXXX credit applied. 

I called Citi bank and requested the credit be reversed, and a REFUND be sent to me. 

Citibank reversed the credit and never sent me a check. I am still owed XXXX. 

I have called every few days for XXXX  months with no resolution. Each call lasting approximately XXXX min since XXXX. I have not been able to work while on these phone calls. 

On XX/XX/XXXX, Citibank requested proof that a refund was not sent to me. 
I sent XXXX ( accounts manager at XXXX ) a FAX which was a XXXX history of my checking account transactions ( XXXX pages - which I was told the {$24.00} would be reimbursed ). 

No response to FAX or investigation from Citibank. 

Since XXXX, Citibank has claimed the issue is under investigation. I have spoken to at least XXXX managers, multiple service call individuals, yet no resolution to date.