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

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


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
Product: Credit reporting or other personal consumer reports

In accordance with 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 : American Credit Acceptance # XXXX, Account Name : American Credit Acceptance # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX, Account Name : Dept of ED/XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX, XXXX # XXXX 15 U.S.C 1681a-4 -states I have the right to privacy.

15 U.S.C 1681s-2 section B -states a consumer reporting agency can not furnish an account without my written instructions.

115 U.S.C 1681a-5 - states no consumer reporting agency may make any 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 - section A- states 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: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity The. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity the. The following items need to be removed and blocked as they are fraudulent. Accounts XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account Number : XXXX Inquiries XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXXXXXX XXXX  Inquiry date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXXXXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX  XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XXXX XXXXXXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX, XXXX Inquiry date XX/XX/XXXX XXXX
Product: Checking or savings account

When we were in the pandemic time I received my EDD and one night I called about it, and I was told they would send me a new card and fix the problem my balance was XXXX the next day it was down to {$6000.00} I called back and the next day it was XXXX XXXX.my complaint is I've seen people receive a letter saying that there account was compromised. And was reimbursed thru the XXXX program. Well I called and asked why I wasn't part of the XXXX program and they said they didn't know. Ok now during my time with b of a and my money dis appearing. I believe my info was secured because when u called the pre paid b of a those people answering those calls where at home they didn't have a place of business where those people gathered to work. They were operation from there homes. Now how secure would my info be in the privacy of there homes. IT WOULDNT BE! Also all that time i fought to get that money back I lost 3 storages, my home and my car. I lost everything until I call u guys did I start receiving some of my funds back. But every claim I put in was denied. Until u guys made them start giving me back my money. But before I could start receive my funds back I lost everything because of b of a. And because of this all happening I'm still struggling to survive. And because I didn't have a place to live it has affected my health really bad. And now I sit here in pain wondering how they got away with all this when it said they we're federally bonded bank. So I never needed to suffer and I hold them responsable.
Product: Credit card

On XX/XX/year>, I was charged a {$29.00} late fee to my account ( which was late ). On Monday XX/XX/year>, at XXXX, I received the first call from Prosper LLC . I was at work and did not answer, but Prosper LLC left a message regarding the lateness of the account which was 5 days past due, and I had already been charged the late fee of {$29.00}. Then they called me again at at XXXX that same day, I did not speak with them. On Tuesday XX/XX/year>, I was called at XXXX, XXXX, and XXXX XXXX, and XXXX, and XXXX. I did not speak to them. Wednesday XX/XX/year>, I was called at XXXX, XXXX, and XXXX. I answered the last call ( I was on lunch break ), and informed them that they were in clear violation of the 7 and 7 rule and to stop harassing me. It is now XX/XX/year>, at XXXX and they have not called me again. That is 10 phone calls over a period of only 3 days.
Product: Checking or savings account

Hello, I 've discovered these charges I 've been billed for merchandise I never ordered or received. I do n't have an account with   XXXX   XXXX  , I have n't received anything from them, unauthorized charges. I ca n't call about this right now because my card is n't working with merchants and I ca n't buy a phone. I am out of the country. Can these errors can be corrected? I 'm sorry.
 XX/XX/XXXX    XXXX   XXXX   - {$300.00}  XX/XX/XXXX    XXXX   XXXX   - {$49.00}  XX/XX/XXXX    XXXX   XXXX   - {$170.00}  XX/XX/XXXX    XXXX   XXXX   - {$1500.00}  XX/XX/XXXX    XXXX   XXXX   - {$2000.00} XX/XX/XXXX    XXXX   XXXX   - {$580.00}  XX/XX/XXXX    XXXX   XXXX   - {$290.00}  XX/XX/XXXX    XXXX   XXXX   - {$1400.00}  XX/XX/XXXX   XXXX   XXXX   - {$2200.00} XX/XX/XXXX    XXXX   XXXX   - {$2400.00}  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   - {$2500.00} Thank you.
Product: Money transfer, virtual currency, or money service

I reached out to MoneyGram because I could not log into my account which I have used DOZENS of times. He informed me that Money Gram closed my account for security purposes. I never received any notification. I was never informed and when I asked to speak with someone to clarify, I was told no such person exists. I expressed my concern about them now having all of my personal data and I have no way of accessing it again. I was told there was nothing they could do.
Product: Debt collection

Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type XXXX XXXX  Date Updated XX/XX/XXXX High Balance {$6600.00} Original Creditor XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} Pay Status >Collection< Estimated month and year this item will be removed XXXX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite my previous written requests, the unverified item listed below still 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 and subsequent reinvestigation, you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

ACIMA XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against BMW Financial Services regarding a concerning experience I had with their website, which resulted in technical difficulties when attempting to switch my payment method and subsequently caused a late payment on my account. I believe that this late payment is not my fault and warrants investigation by your agency. 

Details of the Incident : Account Information : XXXX Number : XXXX Account Holder Name : XXXX XXXX Incident Date : XX/XX/2023 Description of the Issue : I attempted to log in to the BMW Financial Services website to switch my payment method to a new one and to make my monthly payment. To my dismay, I encountered severe technical difficulties on the website, preventing me from completing these essential tasks in a timely manner. 

Specifically, the issues I faced included : Inability to access my account : Upon attempting to log in, I received error messages and was unable to access my account. 
Payment method change failure : Even after numerous attempts, I could not successfully change my payment method to the new one I intended to use. 
Payment submission issues : The website continuously displayed errors when I tried to make my payment through the available online payment options. 
Consequences : Due to the technical difficulties I experienced on the BMW Financial Services website, I was unable to make my payment on time, which subsequently resulted in a late payment. I firmly believe that this late payment was not due to any fault of my own but was solely the result of the website 's malfunction. 

Attempts to Resolve the Issue : Following the incident, I promptly contacted BMW Financial Services customer support to report the issue and request assistance. While they were able to accept my payment over the phone and assured me that my complaint would be addressed, I have not received any satisfactory resolution to date because the late payment first hit my credit report on XX/XX/2023, was removed on XX/XX/2023, and was reinserted on XX/XX/2023.
Product: Student loan

10months ago I contact Navient and asked if I paid extra on my student loans could I allocate any additional payments to the loan of my choice. Navient told me " no, this is not an option. '' 2months ago a customer service representative told me that yes I could make an extra payment and allocate the amount of my choice to the loan of my choice. I would have to make a payment, wait for it to post, then call Navient to have the payment allocated to the loan of my choice. 

XXXX/XXXX/16 I made my minimum payment plus an additional {$10.00}. 

XXXX/XXXX/16 I waited for it to post and called to have the {$10.00} allocated to my Consolidation Loan XXXX. I checked online to ensure that my payment was allocated correctly and my balance went up on XXXX Consolidated Loan XXXX and XXXX by {$140.00}. 

XXXX/XXXX/16 I spoke with Customer Service Representative XXXX and she stated that they would fix the problem and that she can see where multiple changes were made to my payment. She also verified that my total balance due on Consolidation Loan XXXX was {$3800.00} ( {$92.00} more than what my online account states ). She also verified that my Consolidation Loan XXXX balance was {$1700.00} ( {$52.00} more than what my online account states ). 

XXXX/XXXX/16 I contacted the Ombudsman for XXXX XXXX. XXXX XXXX recommended that I contact Navient Advocate Team and that he was confident they would fix the problem. 

XXXX/XXXX/16 called Navient Advocate help line to address the issue. XXXX XXXX set up an advocate specialist for my case. XXXX did state that there are " inconsistencies in balances and that should n't be. '' XXXX/XXXX/16 XXXX XXXX XXXX ext XXXX contacted me. She stated that " there is a problem with the online system and they have noticed that the balance in their database is different from my online Account History and that my online account history is incorrect. '' When asked when this issue would be fixed XXXX stated that " currently there is no date set to accomplish this fix but that she would email the appropriate people and ask. '' When asked to verify my balance due XXXX stated that Consolidation Loan XXXX balance was {$3800.00} ( {$42.00} more than XXXX stated on XXXX/XXXX/16 and {$130.00} more than my online account states ). Consolidation Loan XXXX balance was verified at {$1800.00} ( XXXX more than XXXX stated and {$83.00} more than what my online account states. 

When asked if I could just pay off my student loans in full and be done with this. XXXX stated that " you can only pay the minimum payment with a credit card and that anything additional must be paid with a routing account #. '' XXXX/XXXX/16 I contacted the XXXX the Ombudsman and he was stated that " this case might not meet the criteria '' and he gave me the XXXX XXXX and he defended Navient saying you might want to " take them up on their word, '' and wished me " good luck. ''
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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 XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year>
Product: Debt collection

ON XX/XX/2021 I Requested that NCB Management Send me the Original Agreement for this allege collection account XXXX Any promissory note attached to this agreement Along with the 1099 -OID for this alleged debt if it is not medical debt.

They sent in the paperwork that had no signs of my own, It is against the statute of frauds of South Carolina - " Statute of Frauds SECTION 32-3-10. " Agreements are required to be in writing and signed. ( 5 ) To charge any person upon any agreement that is not to be performed within the space of one year from the making thereof ; Unless the agreement upon which such action shall be brought or some memorandum or note thereof shall be in writing and signed by the party to be charged therewith or some person thereunto by him lawfully authorized. '' NCB has yet to produce anything that resembles a contract yet they keep contacting me with this alleged debt as if they have the right to I want this alleged collection account permanently deleted from all of the credit reporting agencies
Product: Credit reporting

There are hard credit checks on my report dating back to XXXX 2013 that i did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and experian credit Bureaus allowing XXXX XXXX to continue to report on my credit file..consumer protection and federal trade Commission added a reporting block to my file as of XXXX XXXX I reported to all 3 credit bureaus and sent the documents to each .. Filed over 7 disputes not to Allow XXXX XXXX to report and inaccuracies because we're still in legislation and it's truly damaging my chance to be able to purchase my first home ... XXXX vs XXXX XXXX as of XX/XX/2020 Block isnt in effect at All! Still reporting doing so much damage..and it's not helping to keep filling disputes after dispute I been fighting and complaining to no end..I been turned down for approval because of XXXX XXXX still reporting after Block was added as of XXXX 2020 Thank u
Product: Debt collection

They are trying to collect a debt that is not mine, I was also informed that my information was leaked due to a data breach
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX
Product: Mortgage

I had a XXXX and XXXX mtg XXXX XXXX for my house in XXXX, XXXX I was working for XXXX and forced to quit during the recession in XX/XX/XXXX. I was over XXXX and been in the company 25 yrs and made twice as much as everyone else. I found work but the wage was significantly less and was in XXXX. We could not sell the house so we rented it out for {$1000.00} pr/month and paid the {$600.00} difference in mtg payment. Over the years we paid over {$23000.00} to supplement the rent payments for the mortgage. We emptied out My {$44000.00} XXXX and my wife 's {$20000.00} XXXX to do this. I approached XXXX several times to ask for assistance with refinancing the mortgages. We kept the mortgage payments current. The XXXX mortgage was only 15 year term and could have been extended. They refused several times as we did not live at the house. After several years I asked if we could turn in the keys " in lieu of ''. I was told that XXXX XXXX XXXX prefers to do that with empty homes. So I waited until the rental agreement had run out and the renters moved. Then in XXXX XXXX XXXX I filled out the XXXX paperwork to turn in the keys or short sale. They kept putting me off saying they needed me to fill out a form a different way or more information. I was a XXXX yr XXXX Bank XXXX. I knew how to fill out paperwork. It was designed to put me off. Then I asked about short sale. They told me to get a good offer first, then make a proposal to them. They then sold the XXXX mtg to Seterus mortgage. I continued to fill out and send paperwork and copies of all my financial information, tax returns, pay stubs, bank statements. 

On approx XXXX XXXX XXXX we received a very good cash offer of $ XXXX on a $ XXXX balance between the XXXX and XXXX that my realtor put through homepath. It has been 9 months since I first tried to do this and 4 months since putting through the short sale offer. Seterus has neither approved nor denied the offer. Just a few weeks ago they asked me for more information and XXXX tax returns. Even though they acknowledge that I have previously sent it to them. I have literally sent over XXXX XXXX pages of financials. As you can tell I am extremely frustrated. This can all be verified through my realtor and homepath.
Product: Debt collection

I paid my account in full with XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 and I have the confirmation letter but the company still hasnt taken the charge off my credit report it still says unpaid which is not true and Ive tried to dispute the inquiry and even provided proof I paid the account in full and they still havent done anything about it please help
Product: Checking or savings account

I believe that my PNC bank information was stolen by a criminal, and this person has stolen {$8400.00} from my account. The payment dates are all in the XXXX - XXXX range, which seems to come from the same person. This person stole my PNC bank information and setup auto-payment for his XXXX credit card account. I did a test using my wife 's XXXX account and found that it is indeed very easy to set up a credit card auto-payment using any checking bank account routing # and Account #. The XXXX online banking system does not ask any further information to protect the checking account owners money. I attached information on the 35 fraud transactions on my account as an XXXX file. 

I have requested PNC bank to investigate all 35 auto-pays coming from XXXX. I will also inform XXXX bank about this fraud. Since this is a criminal offence, I will report this to the Police.
Product: Student loan

EdFinancial Services is making it difficult for new graduates in XX/XX/2023 to get out of the automatic loan deferment granted to new graduates. 

Although this 6-month deferment is a requirement for federal loans and usually benefits the borrower, EdFinancial Services benefits in this circumstance. The SAVE plan allows students with low income to benefit from not having interest accumulate on the loan if their monthly payments are zero. 

Given this, I want to get out of deferment and start payments using the SAVE plan. However, EdFinancial Services makes this process excruciating for students to get off deferment. First, there is no option online on their service portal. Second, the call center has unreasonable wait times, with the quoted wait time being " XXXX minutes ''. The bank is systematically creating barriers for new graduates to take advantage of the SAVE plan and benefit from collecting interest that otherwise would not accrue. Other banks are making this process much easier. Therefore, I believe this to be an intentional choice rather than a lapse in website functionality in order to benefit financially from getting higher interest.