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

These negative accounts and unauthorized inquiries are inaccurate and wrong. 

REMOVE ALL THE LATE PAYMENTS REMARKS FOR OPEN ACCOUNTS AND DELETE ALL THE CLOSED ACCOUNTS INCLUDING THE INQUIRIES. INVESTIGATE WITH LAWFUL ACCURACY. 

XXXX XXXX XXXX - {$0.00} - XXXX XXXX XXXX XXXX XXXX - OPEN - XXXX XXXXXXXX XXXX XXXX XXXX OPEN - all XXXX XXXX XXXXXXXX - OPEN - all XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XXXX XX/XX/2022 TransUnion I will never stop filing complaints against you because I know my rights!

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

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

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.

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.
Product: Money transfer, virtual currency, or money service

I received an email from crypto.com on XX/XX/2021 stating that my account has been terminated due to a breach of the company 's Terms and Conditions. I asked for an explanation regarding what specific Terms and Conditions I breached in order to prevent myself from making the same mistake in the future, but was not provided an explanation. I also have a portfolio with assets on their exchange that consisted of XXXX XXXX, XXXX XXXX, XXXX RVN and XXXX VET. I asked for access to these assets, but have been denied access. I feel that I have been taken advantage of and have had my hard earned money stolen from me with no explanation or way to access my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Fraud someone was using my name and personal information to open up an account in Ohio I have never done any business with the following companies : XXXX XXXX XXXX XX/XX/XXXX # XXXX, XX/XX/XXXX # XXXX please remove these account from my credit report and sent me an updated credit report. This is the 2nd time I have filed a complaint on this issue. I would also like the fraudulent addresses removed from my credit file as well. My current and only address is XXXXXX/XX/XXXX XXXX FL XXXX, My XXXX My DOB is XXXX, please delete/remove any other address from my credit report Never lived at XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX OH XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this dispute with the CFPB regarding inaccurate late payments reported by Equifax on the following accounts : XXXX XXXX XXXX and XXXX XXXX. These accounts are incorrectly reported as having late payments, which is erroneous and inconsistent with my payment history. I am attaching my FTC Identity Theft Report and supporting documents that detail these inaccuracies. This clear discrepancy violates the requirement for maximum possible accuracy under 15 U.S.C. 1681e ( b ). 

Despite multiple efforts to resolve this matter directly with Equifax, these inaccuracies remain unresolved. This ongoing error has significantly impacted my ability to secure a loan critical for saving my business and has also prevented me from obtaining housing for my family. Equifaxs failure to investigate and correct these inaccuracies constitutes noncompliance under 15 U.S.C. 1681i ( a ), which mandates timely investigation and correction of disputed information.

If these accounts are not corrected in my next updated credit report, it will constitute willful noncompliance under 15 U.S.C. 1681n, exposing Equifax to statutory damages of up to {$1000.00} per violation. Non-willful negligence under 15 U.S.C. 1681o also applies, as Equifax 's inaction has caused unnecessary harm. I request the CFPBs assistance to ensure that Equifax immediately updates these accounts to " Paid as Agreed '' and provides me with written confirmation of the corrections. I trust the CFPB will help enforce compliance with the Fair Credit Reporting Act and uphold the integrity of the credit reporting system.
Product: Student loan

I 've had a XXXX, now Navient student loan in the amount of {$5000.00} for the past few years. Since XX/XX/XXXX I 've made payments totaling a little bit over {$4000.00} and yet my loan amount has barely changed. According to XXXX I still owe {$4700.00}, even tho I 've made over {$4000.00} in payments. That just does n't make sense. In XX/XX/XXXX, I served as an XXXX XXXX XXXX, as a federal XXXX all of my loans private and federal were suppose to go into deferment. When I called XXXX to ask for public service deferment, they refused and the representative was rude to me on the phone. I explained to them that I was n't working and have a letter from the XXXX, proving my volunteer status and lack of income. The rep said that it did n't matter that I could not be granted forbearance or deferment. Then I called back to see if they could at least lower my payments and they refused that as well. After my volunteer service I started working and made payments when I was able to. In XX/XX/XXXX I experienced some hardship which resulted in my not being able to pay my full monthly payments. I called XXXX/Navient several times to ask for a deferment or forbearance and the representatives denied my request again. Since I was n't able to make full monthly payments, I paid what I could when I could, which was less than the monthly payments, but it was what I could afford. In XX/XX/XXXX, I became unemployed and called XXXX to try and see if they could at least lower my monthly payments or at least grant me forbearance. The representative I spoke with was very rude, she told me that if I could n't pay for my student loans that I should borrow money from people to do so. I told the rep that borrowing money from friends is not an option and how dare she even suggest that, I asked to speak to a manager and that individual was just as rude. I told them that I was unemployed at the time and would be going on a volunteer assignment for school. The representative, told me that there 's nothing that they could do for me and had the guts to tell me that I should be looking for work instead of doing volunteer assignments for school. When I responded and told her that she had no right to talk to me in that manner the representative proceeded to argue with me. They refused to lower my payments or grant me forbearance. Despite the fact that I 've been making payments when possible, Navient has continued to call and harass me and my cosigner. They called my cosigner and threatened to garnish his wages if they do n't receive full payments and call at least 5 to 6 times a day. I 've been making payments, thus there is no reason for them to behave in such a manner, they have caused us a lot of XXXX.
Product: Credit reporting

I recently filed a complaint with Experian in regards to XXXX closed student loans currently only reporting by Experian from XXXX XXXX XXXX. In the XXXX dispute in XXXX Experian stated .... In regard to the student loan, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded with a request to have the account deleted from your credit report. The result summaries were sent to you on XXXX XXXX, XXXX and XXXX XXXX, XXXX. 

in XXXX those XXXX loans are still being reported on my credit file when Experian stated in the previous dispute that the company asked for DELETION. 
i re- disputed this in XXXX XXXX and Experian stated ... You further indicate that you were informed that the student loans would stop being reported. You request that the student loans be removed. Regarding the tax lien, upon further research and investigation, we are in the process of removing the disputed tax lien from your credit report. At your request to conduct an investigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported. The result summary was sent to you on XXXX XXXX, XXXX. 

how can they now say that it was verified as accurate if 2 years ago the company agreed to have them deleted? i supplied proof of the complaint and response. I also provided proof of the previous deletions. 

I BELIEVE THESE ACCOUNTS WERE DELETED AND REINSERTED AGAINST MY RIGHTS. ACCORDING TO FCRA If negative information is removed as a result of a consumer 's dispute, it may not be reinserted without notifying the consumer in writing within five days. It 's now been 2 years and i have not recieved such notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE CONTACTED CAPITAL ONE BANK INXX/XX/XXXX AND SEVERAL TIMES AFTER ABOUT A FRAUD APPLICATION THAT WAS PROCESSED BACK IN XX/XX/XXXXTHEY VE TOLD ME THAT THE APPLICATION WAS CLOSED AND THE INQUIRY WAS PROCESSED FOR REMOVAL FROM XXXX  AND XXXX  WITHIN 90 DAYS APON CHECKING ITS STILL SHOWING ON BOTH CREDIT REPORTS EVEN AFTER SENDING ME DOCUMENTATION THAT IT WAS FRAUD. THIS IS AFFECTING MY CREDIT AND CAPITAL ONE ISN'T DOING ANYTHING TO REMOVE IT.
Product: Checking or savings account

I received notice that my bank account had been closed and put under investigation for a bounced check from a representative over the phone. I later called 15 days later because he stated that my funds would be mailed to me. The lady I spoke with that day stated that it was suspicious activity on the account which is why it was put on hold. I explained to them over the phone and via message center that the money from this check that they speak of was never deposited into my account. The amount that was sent to me was XXXX in all from another navy federal member and it was sent member to member via app so there was no reason for my account to be under investigation and they could take that money back but I needed access to my funds for business purposes. They proceeded to ask about deposits that came directly from my merchant which had nothing to do with the actual situation but I still explained to them. They then went on to tell me about how my XXXX isnt used for that. I explained XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They asked for paperwork to prove that and I submitted as requested. The forms I submitted were forms from the city of XXXX for my XXXX, my agreement with XXXX XXXX XXXX XXXX XXXX  ) and another form stating they are the institution that sends payments from their other business name since it doesnt show up as XXXX payments but instead XXXX payment. They closed my account yet the user who sent the funds to me still has their account. I asked them about it and asked if they could just release my funds that were already in my business and personal account which was around XXXX total. They said no and the lady also said that there is no time frame on the investigation and that they get to it in the order they receive them. It has been months and they will not give me the slightest update.
Product: Credit card

I accidentally paid a balance to the wrong credit card ( which had been previously canceled ). The credit card company has not refunded the money. 

It was for {$280.00} in XX/XX/year> Bank was Chase XXXX Credit Card their phone number : XXXX
Product: Credit card

HIPlease explain while you linked this Barclay account opened on XXXX a prior Barclay account that was opened before the consumer filed Bankruptcy in XXXX. 
Please note your statements for the Barclay Account opened on XXXX/XXXX/XXXX you provided the consumer in your first response to CFPB complaint ref # XXXX by this consumer shows your continually accessed a bank account that had been closed by the consumer for over ten years and revealed the linked to the first Barclay account the consumer opened prior to a Bankruptcy. 
Also the consumer never requested or gave permission to Barclay to upload the statements for this account to the CFPB website on the complaint # XXXX dated XXXX/XXXX/XXXX. This prior complaint was a request for the address to Barclay 's fraud department to submit a FTC Fraud Affidavit and the written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching the letter that I sent to XXXX Experian, and XXXX XXXX on XXXX XXXX. More than 30 days have passed, and they have not responded yet.
Product: Credit reporting

I recently discovered that XXXX issued a credit card to someone who stole my identity. I am upset because the bank and or credit bureau, did not make any effort to verify the details of the person applying for this credit card. If they had paid proper attention they would have noticed that my address, same as the address on my ID card was not the address given to them. The address they were given used my surname. So they took the correct street number and added my surname as the street address. Surely, when people apply for credit cards, one is hopefully paying attention, and will notice that the surname of the person is the same as the address. Should n't this raise a red flag to be checked? Especially when the address included my surname without even saying street or avenue. XXXX is refusing to take any responsibility for this mistake, suggesting that the mistake was made by the credit bureau. If it is the credit bureau, surely they too have ways to verify the information is correct? This use of my identity has lowered my credit score and affected my application for a mortgage. It is in the process of being resolved but what bothers me is that both the bank and/or the credit bureau do not take responsibility for this mistake.
Product: Credit card or prepaid card

A credit card was opened in my name, without my knowledge some time in 2012 after my father and I visited a local branch and opened a student checking and savings account when I started college. I'm told this was done on line and that it was used for on line purchases. What complicates things is my father 's cell phone was used to set up the account and when he got calls and bills in the mail he made minimum payments thinking he was helping me. when I told him I never had a card he stopped. At that time, we began calling and writing to get this resolved. We have been unsuccessful and Wells Fargo isn't being forthcoming.
Product: Credit card or prepaid card

XX/XX/XXXX I sold my home after 47 years, Had the XXXX card since XXXX. 
I drove and traveled around us for 3 months using my brothers address in SC. Got locked out of my card constantly for the address which was hard as I was driving down to the south. Short version my cell broke, got a new one and then it began. They would not accept It was new. would not help, e and locked up the card. I needed to verrify from the old cell, Talked to fraud dept many many times, they said the ladt one its fixed promise you. 
I prepayed on XX/XX/XXXX dollars cause I was locked out on line, Tried to use card XX/XX/XXXX by my new home in XXXX, wa. emabassed cause I was locked stil. would not give me gas so I used my visa. Not my XXXX gas card. He chaged me XXXX on my card but I did not get it with the card. 
I jad it on my visa. I just gots tmt called. again they wont accept its me because they dont have this cell. I gave it to them but not good enough nor do they record it. I was on my old home phone that they have the number. 
He sent me a code I gave, it back but not good enough becauee the phone is through the internet. I have a nalance owed of XXXX since I had paid ahead XXXX dollars. I will have to pay this to save my credit but I did not get the gas my account was locked. These people are not practising good business practices, I told them to close my account and he said pay the bill. I told them before to close the account and he at the fraud division isnce no no I fixed the problem. Here I am payimg for something I did not buy, The XXXX gentleman at the counter thought it was funny. He must have put the gas in his vehicle. what time was it pumped?
Product: Credit reporting or other personal consumer reports

On my three credit bureaus, it is showing three hard inquiries that were NOT AUTHORIZED to be pulled. It is showing, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. I have called, and emailed Transunion, XXXX, and XXXX and still nothing till this day XX/XX/XXXX has been resolved.
Product: Mortgage

I am sorry to bother you again, but I cant understand why PHH mortgage XXXX can't give me a payment deferral plan as I see it is being offered at this time. 
I have lived in my home for for 27+ years. My demise began as a result of a work related injury at XXXX XXXX ( my employer since 1986 ). I very much wanted to return to work post- surgeries and retire with my peers to include my earned travel benefits But.XXXX XXXX XXXX XXXX has been difficult to say the least- 3 claim closures which were won in appeals court, 2 XXXX later and currently waiting for nearly 4years for the approval of the final XXXX ( approved already at the beginning of my claim ) leaves me now, a XXXX XXXX XXXX single woman struggling to make ends meet. 
I did try a modification several Yeats ago, but at that time, XXXX XXXX XXXX closed my claim and I wasnt able to keep up. Since then, I have modified my home and now have rental units which give me significant income. I've tried sending Mtg. payments which were returned and I have applied for modifications again but was either denied and/or I received no response. 
I watch others receive Unemployment compensation regardless if they've ever had a job, people get rental assistance and housing is being built for the homeless people as I sit here and watch all my life 's hard efforts get taken away from me due to medical reasons. It's just not right! With that being said, the 2 issues I am asking you to help me with are 1 ) Negotiate extreme penalty amounts with PHH Mortgage. 
2 ) Help me request a Deferred payment plan. If I could just continue with my original loan amount with the amount of arrears put to the end of the loan, I am confidant that I can make the payments on time, every month. Whereas a refinance with a huge payment would be a struggle. 
A deferral of my past due amount to the end of my loan would put an end to my ongoing mortgage issues. Please, can you advise me on how to get this deferral program? I have read that it is being offered to others - Why can't it be offered to me? 
My income has sustained thru my rental units along with SSI checks that i just recently started getting. 
I also look forward to my pension from XXXX XXXX. 
I have considered hiring an Attorney to help me with my Mortgage issues but hoping I don't have to. 
I just don't know what I would do if my home is foreclosed on. The cost of housing is so high. 
Please, can you help?
Product: Credit card or prepaid card

My credit card has been decreased  2 timeshe and the last 2 years and they did it when I have made significant paymento to decrease the ba lance. This last time they said they mailed me a notice  XXXX   XXXX . I decreased the debt by over 50 %. This in turned messed up my credit because I went from over  XXXX  to  XXXX  and now it says I only have {$100.00} left. Which makes it look bad on my credit. I understand that they can do this but it seems like entrapment. I pay all my bills on time and I 'm never late. I have never had a credit decrease and after further research I keep reading this common practice for this credit issuer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete this account from my report due to inaccuracy and inconsistencies in reporting because the 120 days past due shows XXXX on XXXX, XXXX on XXXX, XXXX on Equifax. See attached screenshots as proof. 

This inaccuracy is keeping a negative account on my report, substantially hurting my credit score and preventing me from receiving much lower lending rates. 

XXXXr CUSHMAN v. XXXX XXXX CORPORATION ( 1997 ), " the statute places the burden of reinvestigation on the consumer reporting agency '' Per 15 U.S. Code 1681s2, " 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: Debt collection

Midland Credit Management XX/XX/2024 {$390.00} Try to set up a payment plan : I have reqested proper doucumention for this date such as : Collection Practices Act ( FDCPA ), I am requesting that you provide me with written validation of this debt.

This includes, but is not limited to, the following information : 1.The amount of debt.

2.The name of the original creditor 3.A detailed explanation of the debt, including any interest, fees, or other charges.
Product: Consumer Loan

Loan originally from XXXX XXXX and assumed into KeyBank. No exiting instructions provided for remitting payments to KeyBank. Called into bank and spoke with Customer Service, informed me my AutoPay was going to be cancelled with KeyBank and my account was delinquent - prior to next scheduled payment being due. I was told AutoPay did n't transfer from XXXX XXXX and then was told that it did transfer from XXXX XXXX - but would n't be able to utilize for payment. Then was told I am unable to make payment utilizing my financial institution I bank with and I need an account with KeyBank. Frustrated and looking for other options / re-financing with other institutions.
Product: Debt collection

They have called me back to back in the same day after me speaking with the rep named XXXX. I just talked to him at XXXX pm on XX/XX/2016 and he called me back on XX/XX/2016 at XXXX. He is harassing me and I advised him of that he still calls.
Product: Credit card

On XXXX I used my Amazon XXXX Rewards Visa card on Amazon.com to order a XXXX XXXX XXXX, which was gifted to someone. The total, including tax, was {$560.00}. 
This amount was charged to my card on XXXX. 

On checkout, I selected advertised promotional financing of 12 month equal payments with 0 % interest. 

Upon receiving my statement for XX/XX/XXXX, I saw that the promotional financing was not applied, and that the amount was due in full the next month. 

My Amazon invoice confirmed that I selected financing. 

I contacted Chase via the number on the back of my card on XXXX. Both representatives told me that I had to contact Amazon as the financing was initiated through them. 

I contacted Amazon on XX/XX/XXXX via chat. 
The first two representatives transferred me upon hearing the issue. 
The third representative told me initially that I did not select financing. I corrected them via the invoice I had. The third representative then told me that they could not offer me the financing without physically returning the gifted item no longer in possession. I mentioned CFPB, and was transferred to a phone representative. 
The fourth representative immediately transferred me to another phone representative after telling me she could not help. 
The fifth representative told me the same as the third. The fifth representative said they were not aware of anyone else that could help when I asked for a further transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me and are reporting on my credit report inaccurately. The name on the accounts and that equifax is not mine. The accounts below belong to XXXX XXXX not XXXX XXXX XXXX. 

XXXX XXXX : XXXX XXXX XXXX : XXXX